May 13, 2013, 10:15 pm
Last edit by: jerry305
CANADIAN REFERENCE ON FLYERTALK Canadian Credit Card Master List - Curated for Best Offer A complete listing of all the major credit cards in Canada along with their sign-up bonus, annual fee, CPM, and other pertinent information.
AMEX recent discussion American Express Canada application and reward strategies (2018) • Which credit card should I get? • Cards with good bonuses • List of Credit Cards with Great Welcome bonuses (RFD version)
BLOGS Canadian Kilometers • PointsNerd • Rewards Canada • Don't Call the Airline! • Pointshogger • Canadian Travel Hacking
CONFERENCE • PointsU conference (2018 & 2019 website)
MilesBuzz: Canada
Feb 19, 2015, 6:59 pm
#1471
Join Date: Mar 2007
Posts: 4,784
so you can only downgrade & upgrade ONCE really vs. say AMEX/TD/CIBC (cancel & apply) or RBC (downgrade & upgrade)
Feb 19, 2015, 10:22 pm
#1472
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
Feb 20, 2015, 5:13 am
#1473
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Earth. Residency:HKG formerly:YYZ
Programs: CX, DL, Nexus/GE, APEC
Posts: 10,688
Datapoints:
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
We request to upgrade/change our AM Gold to World Elite and was told no bonus due to being a premium MC customer already.
My BMO AM Gold is my main MC in Canada.
Feb 20, 2015, 6:41 am
#1474
Join Date: Dec 2011
Location: YVR
Posts: 625
Datapoints:
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
Feb 20, 2015, 10:29 am
#1475
Join Date: Sep 2012
Location: YVR
Posts: 1,847
I have never had a credit pull on an upgrade, and I suspect this is because you already hold the account. BUT I often wonder if the criteria for the card is different (minimum household income, for example) if they'd deny you or make you reapply over the phone and do the pull?
Feb 20, 2015, 12:13 pm
#1476
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Datapoints:
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
I up-converted from a no-fee Airmiles card to a World Elite MC, which requires $60-$70K income. But, if the FI doesn't ask you to prove your income, you'll get the new card.
i.e., your credit file does not store your income info.
Feb 21, 2015, 8:07 am
#1477
Join Date: Dec 2011
Location: YVR
Posts: 625
I have never had a credit pull on an upgrade, and I suspect this is because you already hold the account. BUT I often wonder if the criteria for the card is different (minimum household income, for example) if they'd deny you or make you reapply over the phone and do the pull?
As pokee mentioned, when you do a product change (upgrade or downgrade) the account remains the same within your credit file, even if the card account changes to a new number.
I up-converted from a no-fee Airmiles card to a World Elite MC, which requires $60-$70K income. But, if the FI doesn't ask you to prove your income, you'll get the new card.
i.e., your credit file does not store your income info.
I up-converted from a no-fee Airmiles card to a World Elite MC, which requires $60-$70K income. But, if the FI doesn't ask you to prove your income, you'll get the new card.
i.e., your credit file does not store your income info.
Feb 23, 2015, 12:45 pm
#1478
Join Date: Sep 2012
Location: YVR
Posts: 1,847
I held the BMO US MC and I don't think it qualifies for upgrading or downgrading, because it's a US dollar and in a different category of cards. When I found mine to be useless, I just cancelled it. Having said that, I didn't try, so you could do it. Good luck!
Feb 23, 2015, 1:44 pm
#1480
Join Date: May 2014
Location: YYZ
Posts: 527
A quick look at the source code reveals that the "Apply now" button is simply hidden by a HTML comment tag [colored in green in the above screenshot]. So it is definitely not a "bug", but a deliberate choice to hide it.
Hope this isn't a bad omen. I received an email today from Marriott Rewards offering me 50k after 1st purchase, though.
https://ccsic.fni-stl.com/cgi-bin/ma...URCE_CODE=X2H5
But then again, why would anyone want you want that link? Its only 30k.
Feb 23, 2015, 4:00 pm
#1481
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Earth. Residency:HKG formerly:YYZ
Programs: CX, DL, Nexus/GE, APEC
Posts: 10,688
There isn't any promo for the BMO US$ MC. I kept mine as they would not have two billing addresses on my AirMiles Gold so I use the US one for US online shopping shipped to my "US billing address"
Feb 24, 2015, 8:01 am
#1482
Join Date: Mar 2012
Posts: 85
I tried applying for the TD Aeroplan Visa online through the GCR promotion. I have tried twice and both times there was an error in identifying me (it happened after it asked me the personal questions to confirm my identity which I answered correctly) so they said to go into a TD Branch to sign-up.
However, will I be still able to get this offer (ie. FYF, 25,000 Aeroplan miles) if I go into a branch? Anybody run into this situation?
Thanks.
However, will I be still able to get this offer (ie. FYF, 25,000 Aeroplan miles) if I go into a branch? Anybody run into this situation?
Thanks.
Feb 24, 2015, 8:41 am
#1483
Join Date: Mar 2007
Posts: 4,784
I tried applying for the TD Aeroplan Visa online through the GCR promotion. I have tried twice and both times there was an error in identifying me (it happened after it asked me the personal questions to confirm my identity which I answered correctly) so they said to go into a TD Branch to sign-up.
However, will I be still able to get this offer (ie. FYF, 25,000 Aeroplan miles) if I go into a branch? Anybody run into this situation?
Thanks.
However, will I be still able to get this offer (ie. FYF, 25,000 Aeroplan miles) if I go into a branch? Anybody run into this situation?
Thanks.
but it's YMMV, since 25K/FYF offer isn't "public" or available on TD online
http://www.flyertalk.com/forum/air-c...l#post24404289
Feb 24, 2015, 8:48 am
#1484
Join Date: Mar 2012
Posts: 85
You should read & ask in this thread, then we can reply there
but it's YMMV, since 25K/FYF offer isn't "public" or available on TD online
http://www.flyertalk.com/forum/air-c...l#post24404289
but it's YMMV, since 25K/FYF offer isn't "public" or available on TD online
http://www.flyertalk.com/forum/air-c...l#post24404289
Feb 24, 2015, 10:57 am
#1485
Join Date: Jan 2015
Location: YOW
Posts: 42
Data Point:
I hold a BMO Airmiles Gold card. I upgraded it from a non-fee airmiles in October to get the 2,000 airmiles. I spoke to the CSR rep today who was prepared to do a product switch (no-credit hit) to the World Elite. He said I was eligible for whatever promotion is online right now. (FYF and $300 credit)
I have held that account for 15 years, but just keep switching between cards.
I hold a BMO Airmiles Gold card. I upgraded it from a non-fee airmiles in October to get the 2,000 airmiles. I spoke to the CSR rep today who was prepared to do a product switch (no-credit hit) to the World Elite. He said I was eligible for whatever promotion is online right now. (FYF and $300 credit)
I have held that account for 15 years, but just keep switching between cards.