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11-24-2021, 06:48 PM
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#926 | | I subscribe to the Fight Club ONLY
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When was the last time when you applied for a credit card (before the TD card application)? Was that before or after you've taken on the mortgage for your new apartment?
Assuming that your last credit card application was before you having the mortgage, and now your TD card application is after you have your mortgage, I would not at all be surprised by the delay. Having a mortgage totally changes your credit history. It is only sensible that the banks have to check more thoroughly.
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12-01-2021, 08:12 AM
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#927 | | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
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Originally Posted by Traum  When was the last time when you applied for a credit card (before the TD card application)? Was that before or after you've taken on the mortgage for your new apartment?
Assuming that your last credit card application was before you having the mortgage, and now your TD card application is after you have your mortgage, I would not at all be surprised by the delay. Having a mortgage totally changes your credit history. It is only sensible that the banks have to check more thoroughly. | My last credit card was about 1.5-2 years ago before having a mortgage. I applied for this new card after the mortgage. Today they sent me an email and declined to approve, well that's a loss on TD card. I'll just keep using my current credit card, just a bit extra work to split out home expenses that is all. I simply wanted another card to strictly keep home being home, and my personal. Didn't want fiancee/wife to see statement and be like, WTF is this and that I spend on personally lol.
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12-01-2021, 10:13 AM
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#928 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 38,679
Thanked 15,545 Times in 6,290 Posts
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RBC avion is a complete joke and I’m dumping them after this trip I booked through them
Every single time booking travel with them nothing but a headache compared to dealing directly with an airline or vacation operator. And of course their credit card support etc. picks up right away where now I’m at 4 hours+ on hold with the “rewards travel line”
I’ve booked travel now 5 times through their portal and not once has it been smooth
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Dank memes cant melt steel beams
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12-01-2021, 11:41 AM
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#929 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,415
Thanked 7,179 Times in 2,932 Posts
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As an additional thing to mention, when I took on the current mortgage for my dump of a house, the Big 5 bank threw in an offer for a credit card that I wouldn't have qualified for, and I have been using it ever since. Perhaps you can go back to your bank's mortgage person and ask them about something similar? Quote:
Originally Posted by Euro7r My last credit card was about 1.5-2 years ago before having a mortgage. I applied for this new card after the mortgage. Today they sent me an email and declined to approve, well that's a loss on TD card. I'll just keep using my current credit card, just a bit extra work to split out home expenses that is all. I simply wanted another card to strictly keep home being home, and my personal. Didn't want fiancee/wife to see statement and be like, WTF is this and that I spend on personally lol. | | |
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12-01-2021, 04:11 PM
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#930 | | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
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Originally Posted by Traum As an additional thing to mention, when I took on the current mortgage for my dump of a house, the Big 5 bank threw in an offer for a credit card that I wouldn't have qualified for, and I have been using it ever since. Perhaps you can go back to your bank's mortgage person and ask them about something similar? | I'm thinking to lay low for awhile and then re-attempt this method, since I don't want too many inquiries into my credit history when applying again?? Not sure if it's a myth or fact, too many inquiries into your credit history isn't good?
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12-21-2021, 08:47 PM
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#931 | | Rs has made me the woman i am today!
Join Date: Sep 2006 Location: Vancouver
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Well a few weeks ago TD declined me on a new credit card. Today I get in the mail one of those "you're pre-approved" for one of their other credit cards.
Okay WTF? Fucking stupid TD time wasters. I applied for a card that had a lower limit and then they send me mail for a higher limit card offer. Makes no fucking sense. When I have time, gonna call and bitch at them.
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12-22-2021, 06:57 AM
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#932 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
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Originally Posted by Euro7r Well a few weeks ago TD declined me on a new credit card. Today I get in the mail one of those "you're pre-approved" for one of their other credit cards.
Okay WTF? Fucking stupid TD time wasters. I applied for a card that had a lower limit and then they send me mail for a higher limit card offer. Makes no fucking sense. When I have time, gonna call and bitch at them. | Please don't call and bitch at some poor CSR who's just trying to do their job. They have no control over whether you get approved or not. It's a computer algorithm that does it.
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02-15-2022, 04:27 PM
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#933 | | I answer every Emotion with an emoticon
Join Date: Apr 2004 Location: BC, HK, USA
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Hey, I'm going to pay for a wedding, I want to use the best credit card for the best cash back. What would be ideal?
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02-15-2022, 04:50 PM
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#934 | | RS has made me the bitter person i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by 6793026 Hey, I'm going to pay for a wedding, I want to use the best credit card for the best cash back. What would be ideal? | AMEX simplycash preferred 10% CB on first 4 months, cap is $400 so $4000 of spend. 2% CB following that.
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Last edited by BIC_BAWS; 02-15-2022 at 05:00 PM.
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02-15-2022, 05:00 PM
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#935 | | 2013, 2016, 2017 & 2018 NHL Fantasy RS1 Champion
Join Date: Aug 2005 Location: Vancouver
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Amex Plat has cashback now..? I've been holding Plat for awhile now, it's just MR.
Edit: If anyone needs an Amex Gold/Plat referral, feel free to PM me.
Last edited by HonestTea; 02-15-2022 at 06:31 PM.
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02-15-2022, 05:01 PM
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#936 | | RS has made me the bitter person i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,638
Thanked 5,125 Times in 1,786 Posts
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Originally Posted by HonestTea Amex Plat has cashback now..? I've been holding Plat for awhile now, it's just MR. | Fixed. Oops brain fried. Don't @ me plat finance bros
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__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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02-15-2022, 07:47 PM
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#937 | | in the butt
Join Date: Aug 2016
Posts: 2,991
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Thanks to this thread, I just went down the rabbit hole of credit cards again.
Currently have RBC cashback 2% groceries and 1% all other with 0 fee.
Looked into the 4% grocery, 2% dining gas and recurring, 1% all else CIBC card, with 120$ yearly fee
After thinking about it and doing the calculations, will probably pocket an extra 200-300$ a year if I change cards, but not worth it for having an extra account, following up on payments, and the overall hassle / convenience
Easier to simply spend 200$ less per year or work a couple more hours and call it a day
__________________ Quote:
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Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by BIC_BAWS
pretty clean looking car tho... Kinda gay
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03-09-2022, 01:59 PM
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#938 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
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I might be getting myself a separate card to use for work stuff (flights, car rentals, etc) just to keep things simple. How do cash back vs points currently stack up? A quick check and a Westjet points card worked out to ~2.3% back but then it's only travel points, whereas cash back I could get 1.5% back and use it for anything.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | 
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03-09-2022, 02:02 PM
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#939 | | 2013, 2016, 2017 & 2018 NHL Fantasy RS1 Champion
Join Date: Aug 2005 Location: Vancouver
Posts: 7,128
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The new TD travel cards seem pretty good. First Class and Privilege; just applied for the Privilege myself for 105K AP
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10-11-2022, 09:09 AM
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#940 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,460
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Bump
Y’all following the news? Merchants can now charge us up to 2.4% on our bill to account for processing fee’s. Great! Just what I want to see. So my 2% cash back card is now useless? https://www.cbc.ca/amp/1.6610356 | |
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10-11-2022, 09:26 AM
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#941 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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I was eating at home making my own food almost exclusively all week long while working... and food court type stuff on weekends as a "treat"... maybe the odd actual sit down dinner here and there...
But holy fuck recently I been out at a lot of restaurants and the costs are just insane... and yes like was mentioned in another thread the tipping expectations are out of control.
Another 2% on top now too most likely??? Need to get back to making stuff at home, can't sustain the type of expenditures going out for meals consists of now.
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10-11-2022, 09:57 AM
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#942 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,729
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cash and debit are gonna make a comeback now.
no rewards card can offer 2% back in cashback or equivalent to make up for this.
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10-11-2022, 10:39 AM
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#943 | | RS has made me the bitter person i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,786
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Originally Posted by unit cash and debit are gonna make a comeback now.
no rewards card can offer 2% back in cashback or equivalent to make up for this. | There are cards that offer 3% rewards, so you'll still come out a little bit on top.
Costco card is 3% at restaurants
TD is 3% gas and groceries. Anything else now sounds like a fee for our convenience.
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10-11-2022, 10:50 AM
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#944 | | SFICC-03*
Join Date: Mar 2002 Location: richmond
Posts: 8,729
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yep but usually only for certain categories like you said. also usually the best cashback cards have annual fees, and sometimes they have cashback limits.
vendors still have the option not to charge the fee though, so at least for now they have to opt in. i suspect that eventually most vendors will charge the fee to the customer though.
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10-11-2022, 10:59 AM
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#945 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 30,506
Thanked 12,316 Times in 5,052 Posts
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American Express Cobalt Card, folks. 
__________________ Quote:
Originally Posted by Badhobz I think she’s one of those weirdos who gets off on feeding fat fucks. Pretty sure she feeds me and then goes home to cook her own baooo yuuu with supreme sauce | Quote:
Originally Posted by RabidRat I had a takeout container leak greasy meat juice all over the passenger seat today. It was so much that it pooled up lol | | |
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10-11-2022, 11:05 AM
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#946 | | Need my Daily Fix of RS
Join Date: Feb 2017 Location: VAN604
Posts: 256
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Originally Posted by 68style I was eating at home making my own food almost exclusively all week long while working... and food court type stuff on weekends as a "treat"... maybe the odd actual sit down dinner here and there...
But holy fuck recently I been out at a lot of restaurants and the costs are just insane... and yes like was mentioned in another thread the tipping expectations are out of control.
Another 2% on top now too most likely??? Need to get back to making stuff at home, can't sustain the type of expenditures going out for meals consists of now. | Absolutely insane, I'm seeing most places have tip options starting at 18%, like wtf
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10-11-2022, 11:42 AM
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#947 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,604
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From a banks point of view they probably DGAF. Customers like myself and probably many of you who use our credit cards for the rewards and pay them off monthly not paying any interest and only the fees of the card if there are any probably aren't the people they want using those reward cards anyway, we're edging out the house.
The ones who don't pay it off monthly probably won't care or have a choice and continue using the cards because generally a lot of people in that camp are all about, can I make the minimum or a smaller payment to continue living that life I can't pay for in cash and continue kicking the rock down the road. These are the people the bank wants using their credit cards.
I'll start using my debit card more, doesn't really affect me other than I'll lose out on some reward miles.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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10-11-2022, 12:01 PM
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#948 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 30,506
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While I agree (and you are not wrong in any way) you have to keep in mind that the Canadian consumer debt is pretty high, so a lot of these consumers are holding on to debt and paying interest to scrape by and likely, they make up the majority.
__________________ Quote:
Originally Posted by Badhobz I think she’s one of those weirdos who gets off on feeding fat fucks. Pretty sure she feeds me and then goes home to cook her own baooo yuuu with supreme sauce | Quote:
Originally Posted by RabidRat I had a takeout container leak greasy meat juice all over the passenger seat today. It was so much that it pooled up lol | | |
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10-11-2022, 12:27 PM
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#949 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,604
Thanked 3,843 Times in 1,361 Posts
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Originally Posted by bcrdukes While I agree (and you are not wrong in any way) you have to keep in mind that the Canadian consumer debt is pretty high, so a lot of these consumers are holding on to debt and paying interest to scrape by and likely, they make up the majority. | I don't disagree, I think I'm lucky enough to be in the minority that way and I think a lot of people in this forum are also in the same boat. I guess what I was trying to say is the bank doesn't really care for us that are taking advantage of those cards strictly for the rewards and rightfully so.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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10-11-2022, 01:43 PM
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#950 | | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 30,506
Thanked 12,316 Times in 5,052 Posts
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On the opposite end of the spectrum, you have high rollers (looking et EvoFire and guys like Badhobz) who have an American Express Platinum card which comes with an annual fee of $695/year with (now reduced) amount of benefits. These charge cards require you to pay off the entire balance within I believe 15 days or else the interest rate is in the mid to high 20% range. And if you fail to pay that off, they'd probably kick you off and send someone to break your knees aka RS Beat Down Crew haha
__________________ Quote:
Originally Posted by Badhobz I think she’s one of those weirdos who gets off on feeding fat fucks. Pretty sure she feeds me and then goes home to cook her own baooo yuuu with supreme sauce | Quote:
Originally Posted by RabidRat I had a takeout container leak greasy meat juice all over the passenger seat today. It was so much that it pooled up lol | | |
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