Milesbuzz: Canada
 

Several hundred new card applicants are also silently wondering why, but chose to stay quiet on this topic. Now there's no need to call in, as the MBNA moles have taken note and will investigate. :(

There, I pushed it behind this page. Maybe this will help. ;)

Good idea, JJJ! Let's talk about something else...How 'bout them Flames?

GHG

For FHR , Canada AE Platinum user still have to call in or can book online now?

and the $200 annual credit can use towards FHR booking? did card holder have to be attend the travel for FHR booking?

You can book online through travel.americanexpress.ca; you just have to sign in first. I've done so before and haven't had any issues.

You can indeed use the $200 travel credit towards a FHR booking. As for your other question: when you book online, it says that the primary traveller must be the cardholder, so I believe that yes, the cardholder needs to be present. You may be able to find a way around it, but at least when booking online, the travel needs to be made in your name.

Good luck

Many Thanks! I always thought the $200 Credit is just like US issued airways CC can just use for airline upgrade/luggage fees only, never thought it can use FHR hotel

then essentially it's a good deal, just like spend $699-$200 (maybe 2 $200)=$499 buy 50K/60K(referral) Aeroplan miles :D , I will begin to churn every year :D

one thing I do find out, correct me if I'm wrong............... credit score doesn't matter too much for home loan in Canada. New immigrant if pay 30% deposit can get home loan and Prime-0.7% easily, for people I know who don't use a lot of CC and won't have very good credit score also can get Prime-0.7% easily, customer if have a unresolved cell phone bill in past, just pay off the past due bill, also can get Prime-0.7%.............looks like credit score doesn't affect too much on loan rates

Correct me if I'm wrong, but I think discriminatory lending is illegal in Canada, that's why the above is true.

Setting loan terms based on creditworthiness is not discriminatory.

Its not discriminatory lending...there are different programs for different category of clients.....new immigrants, self employed...etc....(just for qualifying purpose).... Although the rate of interest in based on different factors including credit scores...plus the Market...!!

That's fair, the word "discriminatory" wasn't used in a negative context, but more in its original context, in the sense of segregating (ha, here we go, another improper word :) ) borrowers based on certain factors. You're right that creditworthiness is likely an acceptable factor, but I don't know how far you can take it in Canada compared to the USA, where taking out a cell phone line can affect your mortgage interest by x.x% just because you've picked up "a loan". I think we're a lot more straightforward about the way things work. Of course, I speak based only on my personal experience, and I'm not a banker, so take it fwiw. :)

Just noticed on my RBC Avion statement that they will be having a 20% conversion bonus for WestJet Dollars. BA Avios are worth more than that to me even without the (hopefully upcoming) 50% conversion bonus..

Now if only they ran another AA transfer bonus. I'm waiting.

When was the last one? And what was the bonus?

I've tracked promos in my sig. The last AA transfer seems to have been in fall 2013:

http://forums.redflagdeals.com/avion.../#post17586006