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Originally Posted by entropy
(Post 24947853)
Anyone have experience attempting to or transferring RBC avion points to a different RBC avion cardholder (Person X -> Person Y, where X and Y are not in the same household?)
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Originally Posted by entropy
(Post 24947853)
Anyone have experience attempting to or transferring RBC avion points to a different RBC avion cardholder (Person X -> Person Y, where X and Y are not in the same household?)
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Well the Capital One Delta card is toast. I was considering it too, pretty good redemption for flights to French Polynesia via AF.
It was there 2 days ago, it still shows up in Google searches. |
Originally Posted by mikeycanuk
(Post 24955786)
Well the Capital One Delta card is toast. I was considering it too, pretty good redemption for flights to French Polynesia via AF.
It was there 2 days ago, it still shows up in Google searches. Well, that leaves only Alaska with a credit card directly earning miles in Canada, For the rest there are only conversion cards and cash for travel cards. |
Not surprised, I was working the #'s and for my FP flights via Air France I was getting 4% per $ spent. At least I didn't have miles stuck there, SPG ->DM is horrible so I'll give up French Polynesia as a destination. Horribly $$$$$$ anyhow. It's $450 for the 3 of us just to do 2 morning scuba dives, $1600 to fly out of PPT to the attols and accommodation...well you sure don't get much for your $. I'll stick to 3 weeks in Bali and live it up instead.
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On the subject of doing app-o-rama's all in one go and the benefit of it, here is what I learned based on Equifax only (I don't have TU online, so can't judge immediate impacts etc.)
As soon as a hard credit check has been performed for 1 card, the second after it shows up on your credit file and subsequent checks of other financial institutions know about it. It does not take them 24 hours, it takes 1 second/instant. Traditionally it is believed that doing 1 check per week shows one is a credit seeker, instead of doing 4 on 1 day where one would not be seen as a credit seeker. I’m not so sure. I've been declined on a number of occasions, and the reason was not credit serviceability of past known credit or income, but either not enough time between credit checks or unable to assess credit serviceability of the recent credit checks (i.e. that same day, whether they’re approved and for how much). Some cards apparently want to see 6 months between apps, others at least 3, others no credit checks that same day, others don't care. I think it is also safe to say in general a very high end or highly sought card or certain promotions will be more likely to require 6 months, medium cards more likely 3 months, etc. In our app-o-rama's it would be useful for people to post their list of straight accepted, call-in accepted, declined and reason, AND order in which applied. It might be useful to start app-o-rama's in order of card requirements rather then in order of card perks wish/importance. True, they often go hand in hand, but not always, and importance of a card varies by personal preference more then by FI requirements to obtain the card. From experience, I would start with the high end cards of C1 OR BMO OR Chase (I've only ever had 1 of them approved in 1 AoR, but 3-6 months later have had the other fly through when done in first position), then TD, CIBC, Scotiabank, etc. Then the lower cards such as retailers. Having said all that, I have to say that my Equifax score has dropped less with spaced out apps then with AoR's in 1 day. Over 1 week following the AoR of 3 Equifax cards in 1 day, I'd see my score drop 3 times totalling 8 to 10 points. When spaced out, it would be dropping for every application between 0 and 2 points. Spacing out applications to 1 per week does have the limiting effect for higher end cards that require 3 to 6 months of no checks though, and it is more efficient to do everything in 1 go. So I’ll keep doing them all in 1 day I think rather then what I did before to space them out. The apparent 3-6 points difference is not the world, but I wonder how FI really see/interprete AoR in 1 day versus spread out. |
Originally Posted by winebug
(Post 24957583)
I've been declined on a number of occasions, and the reason was not credit serviceability of past known credit or income, but either not enough time between credit checks or unable to assess credit serviceability of the recent credit checks (i.e. that same day, whether they’re approved and for how much). Some cards apparently want to see 6 months between apps, others at least 3, others no credit checks that same day, others don't care. I think it is also safe to say in general a very high end or highly sought card or certain promotions will be more likely to require 6 months, medium cards more likely 3 months, etc.
In our app-o-rama's it would be useful for people to post their list of straight accepted, call-in accepted, declined and reason, AND order in which applied. It might be useful to start app-o-rama's in order of card requirements rather then in order of card perks wish/importance. True, they often go hand in hand, but not always, and importance of a card varies by personal preference more then by FI requirements to obtain the card. From experience, I would start with the high end cards of C1 OR BMO OR Chase (I've only ever had 1 of them approved in 1 AoR, but 3-6 months later have had the other fly through when done in first position), then TD, CIBC, Scotiabank, etc. Then the lower cards such as retailers. I was thinking of applying again for the Chase Marriott Visa in my upcoming app-o-rama, would it therefore be advisable to do it in the order of Chase -> TD -> Amex -> MBNA? (Assuming I'm unsuccessful in using product switches to get the TD and MBNA cards I want). |
Originally Posted by flyer05
(Post 24958747)
Interesting; last time I applied for the Chase Marriott Visa I think I was declined for reasons similar to the above - I had one hard pull in the preceding month. I agree that it would be useful to know more about each card's requirements in this regard, if at all possible.
I was thinking of applying again for the Chase Marriott Visa in my upcoming app-o-rama, would it therefore be advisable to do it in the order of Chase -> TD -> Amex -> MBNA? (Assuming I'm unsuccessful in using product switches to get the TD and MBNA cards I want). If you have been with Amex in the past, or even better are now, it should be like a walk in the park getting approved with them. I always do them last. I would do chase -> TD/MBNA in order of level of card requirements -> Amex |
Originally Posted by winebug
(Post 24958806)
Originally Posted by flyer05
(Post 24958747)
Interesting; last time I applied for the Chase Marriott Visa I think I was declined for reasons similar to the above - I had one hard pull in the preceding month. I agree that it would be useful to know more about each card's requirements in this regard, if at all possible.
I was thinking of applying again for the Chase Marriott Visa in my upcoming app-o-rama, would it therefore be advisable to do it in the order of Chase -> TD -> Amex -> MBNA? (Assuming I'm unsuccessful in using product switches to get the TD and MBNA cards I want). If you have been with Amex in the past, or even better are now, it should be like a walk in the park getting approved with them. I always do them last. I would do chase -> TD/MBNA in order of level of card requirements -> Amex |
Originally Posted by mikeycanuk
(Post 24955786)
Well the Capital One Delta card is toast. I was considering it too, pretty good redemption for flights to French Polynesia via AF.
It was there 2 days ago, it still shows up in Google searches. |
Originally Posted by alexisonsmith
(Post 24958981)
I disagree TD is more difficult that Chase
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Originally Posted by mikeycanuk
(Post 24957413)
Not surprised, I was working the #'s and for my FP flights via Air France I was getting 4% per $ spent. At least I didn't have miles stuck there, SPG ->DM is horrible so I'll give up French Polynesia as a destination. Horribly $$$$$$ anyhow. It's $450 for the 3 of us just to do 2 morning scuba dives, $1600 to fly out of PPT to the attols and accommodation...well you sure don't get much for your $. I'll stick to 3 weeks in Bali and live it up instead.
Eat as much babi guling (if you can eat pork) as you can. My biggest regret from Bali is only having eaten it once. |
Originally Posted by alexisonsmith
(Post 24958981)
I disagree TD is more difficult that Chase
Both my wife and I have been declined in the past by Chase due to too many apps in the last year. Have never been declined for any other card, ever. |
Originally Posted by grandgourmand
(Post 24959161)
Poor you! ;)
Eat as much babi guling (if you can eat pork) as you can. My biggest regret from Bali is only having eaten it once. |
Originally Posted by claurianta2
(Post 24959021)
I wonder how they're dealing with existing cards, particularly ones just issued. I received my card a couple days ago and am still waiting for the PIN so haven't activated it yet....
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