Originally Posted by
heraclitus
I fit this description
I called into the CIBC small business desk and applied for the card. The agent was very knowledgeable about the product, he was very obliging and there was no problem at all with the process. This is probably a case where the HUCA rule comes into play... if a CSR is being difficult or simply doesn't know about the offer, HUCA.
Personally I wouldn't bother with in person branch applications. In my experience, staff in the branch generally seem to be uninformed when it comes to credit card offers and promotions. The application process also takes way longer that way. Don't bother.
Thanks for coming into the spotlight. It's a good fit.
I agree about in-branch reps. They are generally NOT well-versed on CCs and their different signup offers, whereas if you call and get connected to a CC rep, they usually are boned-up on what's available....bank reps are there to try and sell you a loan, investment products, new chequing account, etc., they infrequently deal with CC matters.
Trouble is, you don't always get to one of these dedicated CC phone reps, it depends on how your call gets routed, and perhaps time of the day. Maybe not so much the case with CIBC, as I only know of one number, but with TD, when they run their promos they have a specific number to call to ensure you're speaking to someone on the CC Services team.