just want to ask in Canada can I use prepaid Visa gift draw cash from ATM? I have some spending limit need to meet in 3 month,

anyone try the paypower? can you reload with CC? https://www.paypower.ca/ActivateRegi.../GetACardIndex

Did you guys see this? The CIBC Tim's Card (i know lol) now offers free coffee every day for a year as a signup bonus:

http://www.doubledoublecard.com/offers/

If you drink Tim's each day this might actually make the card relevant! lol

This card is a PITA. It always malfunctions - not reliable in the slightest. I'm ditching it soon....

How much is a CIBC Chequing Account?
I use PC Financial and pay zero. I also don't drink timmies.

It's free, except for the part where you have to pay $14/month to keep a bank account active. And, of course, you'll need to pay that for at least 12 months.

Do CIBC accounts not have a "free with x balance" rule?

Amazingly, no. Neither does RBC......and they wondered why I didn't want to switch from TDCT. I get tremendous value from my all-inclusive account, and great service too. Yes, I'm a big fan (no, I don't work there).

I'd have to disagree. My CIBC account has no fee's with a $1,500 balance. It was $1,000 but they increased it 4-5 years ago. The fees are charged and credited back the same day.

Thanks for the info. When I was account shopping about a year ago, I didn't find anything like that - do you have to be a student or senior or something? Are you limited to 10 transactions a month or something small?

(I've been with TDCT for decades, but every couple of years I shop around to see if I can find anything worth switching too, to make sure I'm getting the most bang for my buck.)

i think only the lowest CIBC plan has a balance based fee waiver

RBC as far as i know has none at all, but they do have multi-product discounts which can effectively be a fee waiver of some sort. How much benefit you get out of it depends on the person and banking needs.

TD, BMO, Scotia all have balance based fee waivers for most, if not all of their standard accounts. For us BMO works the best, since they only require one lead account to meet the min balance, versus TD which evaluates every single account individually for the minimum balance.

I was at Esso earlier today and asked the cashier about (but did not try) purchasing the PayPower reload cards. She said I could use a credit card for the purchase. From her reply, it seemed to me that not many people purchase the PayPower card or Reload cards at the Esso.

Got an e-mail offer telling me I can gain more miles on my TD Aeroplan Visa if I add authorized users. Doesn't seem like I can do this online. Anyone else get this offer in their e-mails?

I think I've seen it in my emails, but didn't look 'attractive', with a cost to add additional users.

Was your offer for free authorized users? How many bonus points?

Or was it a marketing ploy? As in, "Add more authorized users and watch your points grow!" :-/

Didn't have time to call and put myself on hold for 20 min yet. Also not sure if I want to give someone a supplemental card (worse comes to worse I can just keep it for myself). E-mail didn't specify any costs or what kind of reward would be offered. Could be a spam like you say so didn't want to waste my time calling in.

Amex is offering me a 1k MR for supplementary card but their link is broken. Maybe I'll call and find out over the weekend what the situation is for both.

Authorized user on the TD card is fifty bucks each.

Fee is waived with all inclusive for the first one though. Free 5k if attached to all inclusive, 1 cent per mile if not. Either way you'll get another card number to use I shop.ca for their overpriced inventory though.