Is that true for amex in Canada? I guess it is too early for anyone to know about TD churnability

Since July 1st, yes

TD CHURN http://www.flyertalk.com/forum/air-c...-card-206.html

Amex, yes, personally. But I did get a 2nd BizGold using a holding company of mine, just waiting on the 40k and got 15K self referral. Just Cancelled my 1st BIzGold- will reapply dec/jan. got the 2nd gold early August. Got back from a July vacation to find out the bad news. So I thought why not go for a 2nd gold?

Will also try this with the CIBC biz card, my new one should be here any day. I do have a 3rd #'d company....just don't want to push my luck.

I will find out soon about the personal SPG bonus. have a biz one currently and had a personal one several years ago. Wonder how far back the one bonus per card etc etc.... Goes

So I got the TD Aeroplan Privilege card. 25k sign-up, 25k more after spending $1000. The extra 25k pushes the cost per AP to 0.8c, which is acceptable. Any other perks I get with the card are a bonus. $50 off at shop.ca + 3000 more Aeroplan could be useful.

I was pre-approved for this card, so figured why not?

$200,000 Annual household requirement seems a little steep.

Is the AF waived first year on this card?

Nope, at least not for me. I came across some reports. Tried to get it waived or reduced, but no dice despite my extensive banking relationship with TD (pretty much all of my banking products). Kind of stupid, they'll waive the $120 on the Infinite if you have the all-inclusive chequing account, but won't reduce the $399 AF by at least $120 if you upgrade the card.

Oh well, it's 0.8c per point, which is fine by me. At the usual 25k sign-up bonus there is no appeal to this card.

I guess they figure if you're ball in' hard enough to qualify for it, you should have no trouble ponying up the 4 bills.

I guess.

I consider the $400 an investment a) in the initial points and b) leverage I can use for a future card and/or retention offer. For example, I'll eventually convert to the Infinite version then wait for them to try and upsell me.

is the $200,000 household income a hard point has anyone tried reducing this number?

I kid, I kid. Yeah, it's not a bad deal for $400, and I hadn't even considered the leverage angle you mentioned.

Maybe wishful thinking on my part...but as the saying goes "the best customer is the one you already have" so hopefully they view it that way any make it interesting for me to stay. Amex has been pretty good to me.

Just finally straightened out my BMO points . Great deal with the $300 signup BUT try and redeem. OMG. To book a cruise ,you must call in ( and be told there is a 20 minute wait....maybe call back? nice.) .And for this I was told a $30 fee per person . And that was even though BMO could NOT do the booking. Just for trying ,I guess. So they dropped the ball on transferring the cruise from Royal Caribbean and left me a message saying "....another time you'll be able to use your points.....on a future booking". Excuse me? So after much talk on social media someone with POWER called and fixed the problem and informed me there was NOT ever supposed to be a $30 booking fee for cruises.ESPECIALLY if the booking was not completed. I had 3 employees tell me that I must pay the fee prior to this. Good luck.

I'd like to share my experience with impact of new credit card signup on credit score.

I had ~800 with Equifax. Applied for Capital One IHG and then MBNA Alaska next day. Both generated hard pulls, but my Equifax score only went down 2 points. So far so good.

Now when first statements generated and both cards reported to Equifax as new accounts, my score plummeted to ~750, which is one category down (from excellent to very good), even though my average age of accounts did not significantly change, and utilization ratio actually improved. It may now take several months or maybe a year for my credit score to recover.

So churners beware.

"New line of credit" has a negative impact on your score and that should be widely known. Should take 3-6 months for it to count as "established" to recover, AFAIK.