New TD terms for AI bank plan
 

Forgive me if this has been reported before. Just logged in to my TD account and received an invitation to apply for their AI chequing account. I notice that the AVI is no longer listed as one of the cards eligible to have the AF waived. Terms now say:
"Subject to credit approval. Annual Fee waiver applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards – TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card or TD Gold Elite Visa Card – and one Authorized User for the same account for as long as
the All-Inclusive Account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply".

I wonder if there are old terms that the web team forgot to update. Aeroplan visa still listed on the main page, and no changes when logging in on mobile or desktop

It has been really quiet, I think Canada has been 2-3 years not getting any new travel credit card:mad:, instead we're losing IHG/Delta .......

How long it take for RBC points convert to Esso?

No surprise once the merchant fees were cut a few years back.

Good point.

So, I applied for the Scotiabank Gold Amex.
I got an email from Scotiabank saying the card was sent to my nearest branch, and I must make an appointment :rolleyes: to pick it up.
Not sure if this will be a 3-minute procedure or an all-out sales pitch for every imaginable Scotiabank product.

http://www.scotiabank.com/ca/en/imag.../gold-amex.jpg
Crummy news for me (since I applied for it last month)...
Good news for anyone else...

The welcome offer for the Scotiabank American Express Gold Card has gone up from 20,000 welcome points ($200 in travel) to 25,000 welcome points ($250 in travel).

• $250 in travel (increased from $200).
• 4% on gas, groceries, entertainment spend.
• First year free.
• Very low household income requirement to qualify.

I think this is a great deal.

I've read Scotiabank is a pull from Equifax and, Transunion. Is this accurate?

This card isn't listed on GCR for sign up cash back, is there any other channel for application that gives a bonus return?

Call the cc company
 

If you call them and let them know the offer you received, they've matched it for me! Good luck!

What sites currently give free Canadian credit scores?

Borrowell and I think there was one other?

creditkarma

Transunion (primary pulls for Amex/MBNA)
CreditKarma.ca for Transunion, report and score (weekly)
Or directly at Transunion.ca (has an online feature that is wonky but works for some people)

Equifax (primary pulls for TD/CIBC)
Mogo.ca and Ratehub.ca (QC-enabled) for Equifax, score only (monthly).
Or directly at Equifax.ca, with the free 30-day trial (score and report, one and done).

Ratehub gives free Equifax score.

https://www.tdaeroplan.com/assets/im...d-infinite.png

Patrick at Rewards Canada reports that TD will eliminate the First Year Free offer on the TD Aeroplan Visa Infinite Card after tomorrow (Sunday, March 5, 2017).

http://blog.rewardscanada.ca/2017/03...m_campaign=563

If you have been hemming and hawing about grabbing the TD Aeroplan Visa Infinite Card because the sign up bonus is only 15,000 miles with first year free then this should make up your mind. The new offer that will release on Monday will have the same bonus of 15,000 miles on 1st purchase but will not be first year free anymore! Get it now to get those 15,000 miles for no cost!


P.S.: I've added a link to a screenshot of this offer, before it goes away, just in case TD later "forgets" the First Year Free offer.
https://ibb.co/eGs1ov

It's now saying on the application page "by March 5th".

Thanks for the head-up.

GCR just pull off all the TD cards in weekends, there's no $60 rebate now

FTFY: 4 points on dining too! Although, I hate it that many restaurants are stingy about taking AmEx :mad:


Cancelled that card recently. I'm hopoing for a new 30K welcome bonus points referral referral offer to reapply again.

My application for this card generated a soft pull on equifax. Applied/approved Jan 31. Have't checked TU

Edit...
Equifax - Soft pull
Transunion - Hard pull

(TD AEROPLAN CARDS)

EDIT:
See the wiki at the TD Aeroplan thread.
It's better.

u can still get fyf with 15,000 plus another 10,000 till may 4 , just seen it at rfd

Doesn't appear to be first year free, although $60 net annual fee instead of $120.
I'll edit my earlier post.



EDIT: I recommend reviewing the wiki at the TD Aeroplan master thread instead.

I absolutely love Credit Karma. The report is very easy to read, and your score is right there at the top. And Rate Hub is pretty cool, too - I am so pleased to no longer have to deal with Equifax...they're a bloody nightmare!

The two of these make keeping on top of churning sooo much easier!!! :)

Rate Hub does appear to offer a report - although someone more of a limited one than you would get on your Equifax report. It does show your credit inquiries, too. I would advise people against the Equifax trial, as you have to give your credit card info, and then it's a pain to cancel. I had a complete nightmare with Equifax and TD recently, due to a double inquiry. Both pointed the finger at each other, in terms of correcting the issue - so there it sits...forever. BOTH have useless customer service and I hope to NEVER have to deal with either again!!!!

still see 1st yr free and i see urs at 50 percent with the same sign up date , maybe its a screwup somewhere , ill try it but still have my card

(post withdrawn)

Is there any advantage of doing this? At what point should this be done? RE: MBNA Online account

QUOTE=pokee;27893449]I had them shut down my profile because of the cancelled cards still sitting there. I created a new one when I got my new AS MC.[/QUOTE]

Review the posts on page 253 of this thread.
http://www.flyertalk.com/forum/miles...l#post27890059

Make sense. Thanks :D

Business as usual, whew!:)

http://www.tdcanadatrust.com/product...urceCode=Sb6l9

Wiki updated.

http://t.emails.aircanada.com/res/ai...d4bfb46614.jpg

THE ST. PATRICK’S PAYOUT
Get your share of 10 million Bonus Aeroplan Miles
How many of the 10 million Bonus Aeroplan® Miles will you get? That depends on the number of bookings made with the promotional code, with a minimum of 500 Bonus Aeroplan Miles earned per booking.

Use promotional code
STPATRICK2017

https://www.aircanada.com/ca/en/aco/...t-patrick.html

Short window:
Book between March 9 and March 22, 2017, for travel by May 31, 2017.

I was waiting to see if they would come out with a 30k FYF offer,thru a cardholder's referral link(like last year...from my understanding,only some c/h's had received an offer to refer,not everyone),however,after reading that it can take 4-5 months to get the points decided to apply for the 25k offer now.I almost gave up after receiving so many technical error's from their site and via afilliate sites,using my laptop! I decided to try,one last time,using my tablet on their mobile site.....and voila! it worked

American Express tells me I have to visit a Scotiabank branch :rolleyes: to have the offer matched.

Fine. Will do.

Anyone know if BMO card is churnable, I have got the impression it's once per lifetime?

RBC card is churnable, right?

My appointment was "15 minutes" when I asked. I informed them that I have no interest in any sales pitches. 3 minutes later I was on my way :rolleyes:

My appointment was about 5 minutes in, and then we had this exchange.

Scotiabank employee: "Oh. We didn't collect your SIN number during the application".
Me: "Nope."
Employee: "Can you provide it to me?"
Me: "No, I didn't provide it during the application because it's not necessary."
Employee: "Well it's better that we have it." :rolleyes:
Me: "I'm not giving you my SIN number."

Appointment wrapped up shortly after that, and I was on my way.

Bank called me the next day; said that employee didn't get my signature before handing me the card. Asked me to come back to the branch again just to sign for it. :rolleyes: I said sure I'll come by some day.

I was one of the folks who signed up for the 20,000 point bonus, just before it became a 25,000 point bonus. Amex wouldn't give me a courtesy 5,000 point bump, and said I have to go into a Scotiabank branch to ask for that. :rolleyes:

Fine. After I actually receive the 20,000 points, I'll go into a branch, and ask for those 5,000 points to be credited if they want the signature. :D

I might even open a Scotiabank Momentum Chequing Account with the $200 bonus, though it will cost about $70 in fees plus some hassle in setting up transactions.

Picked up the card on Saturday.No sales pitch :)

Has anyone churned this card?

Don't know which forum to post, so thought to post it on here as I am Canadian :)

I have a ~$3000 payment come up in early June that they do not take AMEX, only VISA/MasterCard. I thought about getting VISA or MasterCard gift cards using an AMEX, but those fee (Activation or something else) seems to be a bit too much. Are there any other suggestion for a good sign-up bonus? I didn't want to just pay it with my BMO M/C or CIBC/TD Aerogold.

Thanks.

Plastiq if they take cheques?