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01-20-2017, 01:59 PM
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#476 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,437
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Originally Posted by Verdasco  hey guys, applied for visa with amazon.ca , morgan chase
where can i check the process of my application? filed it online | Call them, not sure if they have online status check.
I just received my PC Plus World Elite Mastercard, looks really nice in person with their new matte black and silver finish.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? |
Last edited by roastpuff; 01-20-2017 at 02:41 PM.
Reason: I'm a dumbass
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01-20-2017, 02:10 PM
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#477 | | I subscribe to Revscene
Join Date: Jun 2006 Location: Vancouver
Posts: 1,910
Thanked 844 Times in 366 Posts
Failed 12 Times in 9 Posts
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^^^
hmmm....  | |
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01-20-2017, 02:12 PM
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#478 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,437
Thanked 3,161 Times in 1,341 Posts
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| Quote:
Originally Posted by dat_steve ^^^
hmmm.... | My sticky note privacy method not good enough I guess 
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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01-20-2017, 02:26 PM
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#479 | | Rs has made me the man i am today!
Join Date: May 2008 Location: Burnaby
Posts: 3,148
Thanked 1,053 Times in 595 Posts
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Originally Posted by jeedee you didn't get approved instantly?
when i applied back then i got approved instantly after filling out my info | Same thing happened to me. Just waited a week for the card to show up. Amazon automatically applied the card to my account so I could use it asap.
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01-21-2017, 01:05 PM
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#480 | | Revscene.net has a homepage?!
Join Date: Aug 2008 Location: vancouver
Posts: 1,259
Thanked 301 Times in 140 Posts
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How's the Tangerine cc? Been thinking of switching my RBC Avion to that.
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01-23-2017, 05:40 AM
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#481 | | My dinner reheated before my turbo spooled
Join Date: Dec 2003 Location: Peace River, AB
Posts: 1,778
Thanked 158 Times in 103 Posts
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Originally Posted by hi-revs How's the Tangerine cc? Been thinking of switching my RBC Avion to that. | If you like cash back with no annual fees, Tangerine CC might be for you. Canada's best cash-back credit cards of 2016
__________________ Quote: Unknown
"If someone has to pass you on the right, you are in the wrong lane." | | |
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02-16-2017, 01:00 PM
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#482 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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Tangerine finally called me back and approved me for the cashback 
they gave me a limit as much as my TD Aeroplan card 
unlike Amazon Visa cashback which only gave me a $600 limit.....
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02-16-2017, 01:30 PM
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#483 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,437
Thanked 3,161 Times in 1,341 Posts
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Have had my PC Financial World Elite Mastercard since middle of January. Already have $40 in free groceries... and I haven't been buying that much stuff at Superstore!
7c in cash back from the Superstore gas bar is also awesome.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? |
Last edited by roastpuff; 02-16-2017 at 01:53 PM.
Reason: Corrected time I got my card.
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03-27-2017, 04:33 AM
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#484 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
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Been thinking of switching to something else after being with td visa aeroplan infinite for some years now, after a few days of researching and mathing shit out...
Costco executive member + MBNA cash back= 4% back at costco... basically switch as much purchases to costco as possible.
MBNA cash back 2% everything that's not costco.
Costco MasterCard 3% at restaurants.
should be getting 3% back on average.
cost: ~200 a year for costco membership and MBNA.
should make more back dollar wise even after converting aeropoints to dollars...
only gripe I have is I lose the automatic travel insurance coverage... and lose apple pay and iOS app support for those banks/CC's lol... oh and they're all mastercards. so if a place doesn't accept mastercard you're shit out of luck haha...
what do u guys think? 3% back average is pretty good for ~200 bux a year (including costco's membership).
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03-27-2017, 05:40 AM
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#485 | | I contribute to threads in the offtopic forum
Join Date: Apr 2001 Location: VAN/RMD/BBY
Posts: 2,596
Thanked 1,022 Times in 450 Posts
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03-27-2017, 05:43 AM
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#486 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
Posts: 2,121
Thanked 1,744 Times in 680 Posts
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I've been incredibly happy with my Amex Gold: https://www.americanexpress.com/ca/e...ds-Cards-Large
Quick Summary on what I like - 25000 points (1:1 to Aeroplan/Avion!, or $250 cash value) upon 1500 spend in first 90 days [enough for Aeroplan North America Round Trip]
- Low income requirement (20k annual), 'no' spending limit since it's a charge card [great for students]
- 2% on gas, groceries, drug store, flight, car rental, etc.
- 3% on travel if you book through AMEX (Air Canada, WestJet at the same price as Google)
- 5 million emergency medical, 500k travel accidence, trip interruption, baggage, flight delay, etc
- First year free, 150 afterwards I believe
Edit: PM me for a referral code if you'd like one - you get the exact same benefits, but I get 5000 points out of it
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03-27-2017, 06:28 AM
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#487 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 17,699
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^ Most retailers don't take AMEX though, they charge ridiculous discount rates to stores.
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03-27-2017, 06:37 AM
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#488 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
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| Quote:
Originally Posted by Spoon | It's 1% cash back.
3% restaurants (ONLY use for restaurants)
2% gas.
But u have Costco executive membership (the black member card) 2% back automatically.
And then u have MBNA 2% back everything
So u use MBNA at costo for 4% back total. 2% credit goes back to Costco member account (not capital one Costco credit card). And 2% goes back to MBNA. And u use the MBNA 2% everywhere else except restaurants, where you use the 3% back capital one Costco cc.
89 dollar mbna annual fee (u get 100 bux first year for signing up)
And 110 for executive membership at Costco (not the 55 dollar basic membership)
Hence the 200 dollar annual fee.
Your cash back average should be around 3%.
Makes sense??
FYI I pulled the trigger and applied for MBNA cash back lol. Got approved with 20k to start lol.
Last edited by Ulic Qel-Droma; 03-27-2017 at 06:45 AM.
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03-27-2017, 06:39 AM
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#489 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
Failed 875 Times in 298 Posts
| Quote:
Originally Posted by AstulzerRZD I've been incredibly happy with my Amex Gold: https://www.americanexpress.com/ca/e...ds-Cards-Large
Quick Summary on what I like - 25000 points (1:1 to Aeroplan/Avion!, or $250 cash value) upon 1500 spend in first 90 days [enough for Aeroplan North America Round Trip]
- Low income requirement (20k annual), 'no' spending limit since it's a charge card [great for students]
- 2% on gas, groceries, drug store, flight, car rental, etc.
- 3% on travel if you book through AMEX (Air Canada, WestJet at the same price as Google)
- 5 million emergency medical, 500k travel accidence, trip interruption, baggage, flight delay, etc
- First year free, 150 afterwards I believe
Edit: PM me for a referral code if you'd like one - you get the exact same benefits, but I get 5000 points out of it | That was almost my first choice except it's AMEX. Not accepted at enough places. Also I mathed it out. My combo gets more back.
BUT Amex does have nice travel insurance benefits.
Last edited by Ulic Qel-Droma; 03-27-2017 at 06:47 AM.
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03-27-2017, 06:41 AM
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#490 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
Posts: 2,121
Thanked 1,744 Times in 680 Posts
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| Quote:
Originally Posted by Ulic Qel-Droma That was almost my first choice except it's AMEX. Not accepted at enough places. Also I mathed it out. My combo gets more back.
BUT Amex does have nice card benefits. Travel insurance 5mm I believe. lol. | The not being accepted does happen more often at ethnic retailers - personally haven't had much issue here in Ontario, but YMMV
The low income and credit requirements are quite appealing as a student, I don't make nearly enough income to qualify for an equivalent MasterCard with similar benefits
Sent from my LG-H831 using Tapatalk
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03-27-2017, 07:19 AM
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#491 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,141
Thanked 1,861 Times in 969 Posts
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| Quote:
Originally Posted by Ulic Qel-Droma Been thinking of switching to something else after being with td visa aeroplan infinite for some years now, after a few days of researching and mathing shit out...
Costco executive member + MBNA cash back= 4% back at costco... basically switch as much purchases to costco as possible.
MBNA cash back 2% everything that's not costco.
Costco MasterCard 3% at restaurants.
should be getting 3% back on average.
cost: ~200 a year for costco membership and MBNA.
should make more back dollar wise even after converting aeropoints to dollars...
only gripe I have is I lose the automatic travel insurance coverage... and lose apple pay and iOS app support for those banks/CC's lol... oh and they're all mastercards. so if a place doesn't accept mastercard you're shit out of luck haha...
what do u guys think? 3% back average is pretty good for ~200 bux a year (including costco's membership). | 3% avg cash back is just theory though assuming you eat at restaurants and shop at Costco a lot to keep that avg at 3%. I would assume for most people that the 2% categories will account for over 50% of your months spending.
With that said, the numbers are still decent.
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03-27-2017, 03:13 PM
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#492 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
Failed 875 Times in 298 Posts
| Quote:
Originally Posted by winson604 3% avg cash back is just theory though assuming you eat at restaurants and shop at Costco a lot to keep that avg at 3%. I would assume for most people that the 2% categories will account for over 50% of your months spending.
With that said, the numbers are still decent. | The average would still be above 2%. Maybe 2.5% which like u said is decent. And comparable to Amex travel if u converted points to cash value. Costs more overall but you also get access to Costco. Who doesn't wanna shop at Costco? Lol
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03-29-2017, 11:08 PM
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#493 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!
effective April 29th
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03-29-2017, 11:23 PM
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#494 | | i like gifs
Join Date: Dec 2001 Location: imgur
Posts: 27,179
Thanked 7,785 Times in 2,695 Posts
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Originally Posted by jeedee did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!
effective April 29th |  that card didn't take long to change
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03-30-2017, 02:47 AM
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#495 | | I keep RS good
Join Date: May 2001 Location: Cosmos
Posts: 28,729
Thanked 5,594 Times in 1,522 Posts
Failed 875 Times in 298 Posts
| Quote:
Originally Posted by AstulzerRZD The not being accepted does happen more often at ethnic retailers - personally haven't had much issue here in Ontario, but YMMV
The low income and credit requirements are quite appealing as a student, I don't make nearly enough income to qualify for an equivalent MasterCard with similar benefits
Sent from my LG-H831 using Tapatalk | just lie LOL. If you have good credit they'll usually just approve it right away. Quote:
Originally Posted by jeedee did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!
effective April 29th | they're also raising the foreign transaction fee from 1.5 to 2.5% i believe... i forgot the numbers, but it's higher lol.
nevertheless... it's still a great free backup card. 2% in 3 categories for a backup is awesome.
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03-31-2017, 12:00 AM
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#496 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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Originally Posted by Ch28 that card didn't take long to change | i JUST got the card too  | |
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03-31-2017, 07:25 AM
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#497 | | I STILL don't get it
Join Date: Dec 2003 Location: Vancouver
Posts: 457
Thanked 62 Times in 27 Posts
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I use the BMO World Elite MasterCard and the MBNA Rewards World Elite. Both great cards with great value for associated cost. For anyone who deters from a fee-based card due to annual fee, think about what your monthly or annual spend is and calculate the difference in rewards dollars from a free card vs premium card. If you believe that the perks such as lounges, travel, medical insurance are things you'll use from the premium card then there could be value for the upgrade in addition to collecting rewards or cashback faster.
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03-31-2017, 08:49 AM
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#498 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
Posts: 2,121
Thanked 1,744 Times in 680 Posts
Failed 58 Times in 16 Posts
| Quote:
Originally Posted by jeedee did anyone else get a letter in the mail from tangerine that they're changing the 1% cashback on other purchases to 0.5%?!
effective April 29th | Got the letter - switched to AMEX Simply Cash.
5% for 6 months on gas, groceries, and dining.
1.25% on everything else.
0 annual fee, comes with travel accident insurance, rental car insurance, buyer/purchase protection.
The best part has to be $100 for each referral. If you want this card, PM me and we can split the referral bonus.
Last edited by AstulzerRZD; 03-31-2017 at 10:26 AM.
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04-26-2017, 01:31 PM
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#499 | | .
Join Date: Nov 2009
Posts: 8,733
Thanked 5,474 Times in 2,095 Posts
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question:
recently got a refund on an item i ordered to my card and now i have a 'positive' balance above my credit limit
Is this bad for my credit score?
eg. i have a $10k limit and with the refund i now have $11k available to spend from that refund 🤔
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04-26-2017, 03:48 PM
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#500 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 38,673
Thanked 15,540 Times in 6,286 Posts
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This year we got $1600 back from the Costco MC between 2 cards lol..
Love me some Costco...also Home Depot apperently
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