Interested in learning all about how to travel the world on points? Join us at The Travel Summit Toronto 2022: The #1 event for elevating your travel! thetravelsummit.com
Traveling to Canada soon as a student, Came here to learn if there is any specific benefit in a particular card or so. A piece of advice would give me a perfect kickoff
I came as a student too. The first priority should be to opt for a card which has no annual fee and gives you some cash back on groceries and purchases but at the same time builds credit score. I used two cards at that time. One is Cibc dividendVisa and the other was PC Optimum Mastercard. But the divdent wasn’t the best option, but you can replace that with another visa which offers better rewards. PC gives lot of rewards on groceries and fuel purchases, it’s a no brainer on my opinion. Within a year I reached 720s on score and financed a car under 7% interest .
Hey Prince of Travel, another question for you. Would you be open to doing a review of some of your subscribers current credit card situations & possibly offer your suggestions and opinions on how they can optimize their credit card portfolio? I'd be happy to provide you details on my end and get some of your expertise to help you make a video on it.
Hi Ricky, I collect as many MR points as a can but roughly 50% of merchants in Toronto do not accept AMEX. In those situations, I'm torn between using my RBC Avion or my TD Aeroplan. Could you please post a video comparing the benefits of collecting points from aeroplan visa vs an RBC avion visa and whether it's better to pool all points under the AP ecosystem or to diversify? Thank you and keep up the great work.
I'm no expert but if the earning rates are the same than I think RBC points are more valuable, especially when they have their sales to convert to British Airways Avios at 1.5-1 or 1.3-1.. opens up that Oneworld alliance...
Hey Ricky! Love the content just one quick question. If I sign up for the TD® Aeroplan® Visa Infinite Privilege* Card and use it, then downgrade to the TD® Aeroplan® Visa Platinum* Card or TD® Aeroplan® Visa Infinite* Card. And then upgrade back to the Infinite Privilege card, would I still be eligible for the signup bonus?
I just want TD, RBC or AMEX to offer an Aeroplan or MR points no foreign transaction fee card...I spend about a grand a month in the States and use the Scotia Passport..I'd love to have 65k of those other points instead of the Scotia rewards I've collected...
@@PrinceofTravel yes been debating that, I look at the passport like a 2-2.5c cashback+Scotia points but it's coming up for renewal soon so might switch to something else...
You mentioned a couple of times in the video that you would get the welcome bonus even if you were switching cards rather than applying for a new card. That’s never been my experience. I’ve dealt with almost all the banks, and most every time the card switch means you were not entitled to the welcome bonus. They always insisted that the welcome bonus can only be awarded if a new credit line is opened. Can you clarify more on which banks/cards will give you the welcome bonus even if you’re just switching from another card at the same bank?
@@freddytang2128 This is actually not always the case. It depends on the promotion. But yes, most of the time they do honour it. Always call and ensure their verbal confirmation. Source: I too used to work for TD and was an avid promoter of churning to clients :)
Those rules are for dropping or give up of a card, meaning discontinue the use of that card number. Or it means upgrading, meaning you keep the card, but just change to a new plan. If is not upgrading what are the rules for upgrading, in other words, for how long do we have to stay in a plan before being able to upgrade and then downgrade to later upgrade again.
Hey Ricky. Would you be open to sharing your gear you use for videos? I can see that your new videos are very well made and packaged. Just would help some other people who are looking for ideas for their youtube channels.
@PrinceofTravel I recently discovered your channel, have subscribed, and have been binging your videos. Thanks for all your great work. I just have one quick question. is it possible to get the welcome bonus on both the TD & CIBC Aeroplan visa infinite cards or can you only get one?
Aeroplan has made an announcement recently, one cannot get the welcome bonus on more than 1 aeroplan card. So while their system may not have caught on, it is advised not to do so. We want to have a healthy long relationship with aeroplan
If I had TD's FCT more than 12 months ago and PSed to another card, can I PS again to FCT and get its bonus? (An agent told me NO in this particular case... I suspect he is wrong.)
Hey Prince of Travel. Had a question for you. You previously mentioned that you should never get rid of your longest credit history cards. Well I've managed to hold onto the same RBC credit card for nearly 20 years & have a 35k credit line on it. I only have one card with RBC but I was thinking of doing a product switch to capture some of the sign up bonuses. One thing I noticed was that the product switches only offer 50% of the sign up bonus. Should I even bother doing a product switch with this card for an inferior bonus or just open up a new card? Possibly with TD?
@@PrinceofTravel I called and inquired about switching to the rbc Avion, and they would only provide me with half of the sign up bonus, not the full amount.
Literally just signed up for another rbc card and got the welcome bonus. After acquiring all the points within the 6 month time frame I'm going to product swap it to a zero annual fee card and keep my infinite avion. Free points 😁 After that I'm unsure of what to do to keep churning. Any insight?
HSBC 12 month rule: is it for new applications only - or product switches as well? Would be nice to be able to product switch and get the bonus without waiting 12 months in between..
On Scotia bank I’ll have to agree how random it is. With me and friends both having only a scene Card (0 AF), I received welcome bonus for Scotia Amex Gold while my friend didn’t.
That's weird. I was in the same boat. Asked a financial advisor and they said no, I won't be eligible. How did your friend get it? Did he ask or did the points just show up?
Should I be cancelling my TD credit card after receiving all possible bonuses and then reapplying after a year to get start up bonuses again or putting the card on hold?
Have you ever heard that disability benefits don't count as income for the purposes of applying for a credit card? I'm on Saskatchewan Assured Income for Disabilities (SAID) and that was what I was told by a bank that as I don't get T4 slips (I get T5007s) that I couldn't apply. Makes me feel discriminated against but maybe the branch manager at Scotiabank is onto something though (and I just took it personally)? I had asked for the lowest credit limit and he didn't even look at my credit score (or even put in an application) before denying me for my first credit card. I know in the United States the Consumer Financial Protection Bureau says: "A card issuer cannot discriminate against you because you receive public assistance income. Like all other forms of income, the issuer can consider the likelihood that the income will continue in evaluating your creditworthiness. A card issuer may consider issues relating to, for example, whether you will continue to meet the eligibility requirements for receiving benefits." www.consumerfinance.gov/ask-cfpb/can-a-card-issuer-consider-whether-i-receive-government-assistance-when-deciding-whether-to-issue-a-credit-card-to-me-en-21/ I am wondering is the same would apply in our country? I think it all should be based on merit of repayment ability and not the source of income itself.
If I have a supplementary card on my wife’s account can I sign up for my own account and still get the sign up bonus? The eligibility rules for Scotia bank seem pretty unclear on this aspect.
Wait so TD is really that generous? I have a TD APVI on first year free, so next year before it renews I should just cancel it and apply for it again (and potentially get another FYF)?
Great info about the HSBC cards and the 12 month break in between! I quite like them too as there's so much flexibility to use the points... like say all those taxes and fees after booking flights with points. Now you really ARE travelling for free. Next video perhaps? ;)
If you get the 35K points from Avion Visa Infinite, are you sure after 90 days if you apply for Avion Visa Platunum, you will still get another 35K? No matter on their website or talking to their representative, both said you cannot get another 35K. Can you verify this data point Ricky? Thank you.
I have TD aeroplan infinite VISA for several years. In order to get welcoming bonus can I open same card with keeping current one or I have to cancel first current card then apply new one? That is not clear for me.
Hey Prince, I am a little confused about Amex's lifetime rule, so if I have their cobalt card does it mean if I upgrade to the platinum I won't get the sign up bonuses?
@@PrinceofTravel I also have discovered TD has a feature to transfer funds via Visa electronicly. Totally free. Sending from your USD account in Canada, to your US Account in the USA. Send it to your US Visa Debit Card. They “charge” $8.00 fee and reverse it the next day. Great way to transfer between countries and only takes 2-3 hours! Anyone needing instructions can call TD cross border banking on the Canadian side!
Can you confirm if I can get all 3 welcome bonus for TD Aeroplan cards within 12 months. I'm getting conflicting information. Visa Infinite vs Privilege. Personal vs Business. Your video and article says yes. I called them they said no. I emailed Rachel and she says one per FAMILY (Aeroplan). Thank you
Hi Ricky, do product switch still qualify for sign up bonus at RBC? I noticed their terms and conditions say “you don’t qualify if you transfer from (almost every RBC card)”. Thought that language is inserted to deter product switching for sign up bonus
Switch to westjet credit card because if I remember correctly thats the only card not listed in terms Nd conditions. Get the 200 WB because the other 250 is for new applicants. Then switch back.
@@freddytang2128 yes. So if you book a flight in advance even if you PS before the travel date you would be fine. As long as you dont cancel your flight. But if you plan to move back and forth with the avion and the westjet yhen you get avion points and 200 wsd everytime its switched. Or try to do a credit split with RBC and see if they give WB like TD does. I got an avion card and a westjet card so I can keep moving my cards around more often because i have 2 cards to product switch vs 1 card haha
It’s possible if you have a present relationship with the bank for someone at the branch to advocate on your behalf and potentially push it through. Many issuers don’t care to verify your income on your application (but I wouldn’t suggest lying on your application).
Does that mean that you could keep getting the welcome bonus and first year fee waiver by cancelling after the first year and reapplying every year for TD cards?
yeah I had the scotia visa passport, then I cancelled it in early 2020 as I realize I wasn't going to be using the lounge passes but will pay a 140 fee, then end of 2020 I signed up to scotia ultimate account which allows me to not pay the annual fee so I signed up to passport again, though no bonus this time. I still got it so I can have access to free lounge passes going fwd though.
Scotia is stingy when it comes to bonuses. I have had their student card since I started 5 years ago. Was looking to upgrade to Scotia gold and was told i cant get offer. Like wtf? I get stopping people from abusing bonuses, but I never got one and I've been customer for so long. Would it hurt to award some loyalty?
@@0741921 Did they say why, maybe try to go to the bank branch and ask a financial advisor? I do find applying to amex much easier than say a high end RBC or Scotia Visa for some reason
@@jayzee316 well why because it's in their terms. You can't get the bonus holding any of their cards 🤷♂️. And I did talk to a financial advisor. I was hoping of I explained my situation, said I'm willing to upgrade to their highest tier chequing account and made a threat of leaving for competitors hoping they would open up the offer. The FA said he'll ask higher ups and they said no. So sadly can't get the bonus and now I'm going afte other cards. Scotia's loss coz now ill be spending money and being loyal to other cars 🤷♂️
@@jayzee316 and applying to Amex is easier because Amex wants it to be. They don't have min income requirements and banks on more people paying their high fees and getting their higher end cards while competitors ask for incomes north of 100k.
@@0741921 yes I also have mortgage and heloc, direct investing, rrsp/tfsa accounts with scotia, quite disappointed to be honest. but it's a big hassle to move all that to another bank, unless it's just much better terms, I think most big banks are the same from speaking to my friends in canada. Credit cards are another story.
@@PrinceofTravel the video only talks about the 90 day rule for business cards but not personal and then the once in a life time rule. However, they deny me for my 2nd card saying i have to much available credit because of my line of credits, multiple credit cards. I had to fight with then for 2 months and then they finally approved me. But my credit hasnt changed. It felt theres no rhyme or reason. Ive even heard people getting multiple credit cards with amex in 1 month. Any insight to this. Maybe there is a hidden guideline somewhere?
Interested in learning all about how to travel the world on points? Join us at The Travel Summit Toronto 2022: The #1 event for elevating your travel! thetravelsummit.com
Traveling to Canada soon as a student, Came here to learn if there is any specific benefit in a particular card or so.
A piece of advice would give me a perfect kickoff
I came as a student too. The first priority should be to opt for a card which has no annual fee and gives you some cash back on groceries and purchases but at the same time builds credit score. I used two cards at that time. One is Cibc dividendVisa and the other was PC Optimum Mastercard. But the divdent wasn’t the best option, but you can replace that with another visa which offers better rewards. PC gives lot of rewards on groceries and fuel purchases, it’s a no brainer on my opinion. Within a year I reached 720s on score and financed a car under 7% interest .
Lovin the frequency of the uploads Ricky! Also saw on insta that you were in Toronto this week, hope you had a great time here :))
Always great to be in the city 😃
Well done Rocky. In depth and informative as usual.
Hey Prince of Travel, another question for you. Would you be open to doing a review of some of your subscribers current credit card situations & possibly offer your suggestions and opinions on how they can optimize their credit card portfolio? I'd be happy to provide you details on my end and get some of your expertise to help you make a video on it.
That's a great idea. Shoot me an email at ricky [at] princeoftravel [dot] com and I'll give it some thought!
@@PrinceofTravel sounds good. I'll prepare an email
great summary!.....and what a great desk!!
Excellent video as always!! Thank you Ricky.
What is the best credit card for an immigrant who has just arrived in Canada?
Thanks! This is extremely informative
Awesome video Ricky! Keep inspiring ✨
Hi Ricky, I collect as many MR points as a can but roughly 50% of merchants in Toronto do not accept AMEX. In those situations, I'm torn between using my RBC Avion or my TD Aeroplan. Could you please post a video comparing the benefits of collecting points from aeroplan visa vs an RBC avion visa and whether it's better to pool all points under the AP ecosystem or to diversify? Thank you and keep up the great work.
I'm no expert but if the earning rates are the same than I think RBC points are more valuable, especially when they have their sales to convert to British Airways Avios at 1.5-1 or 1.3-1.. opens up that Oneworld alliance...
@@alichaudhry12 Good point but what if I'm traveling mostly to Asian countries or the US?
Does it pay off to have 3 premium cards? Thats over 300 a year
@@DS-me7kk not if you have bank accounts with them. Usually you get credit card fees waived 🤷♂️. Great way to have mid their cards for free
Shots fired at BMO lol
Deservedly so
Hey Ricky! Love the content just one quick question. If I sign up for the TD® Aeroplan® Visa Infinite Privilege* Card and use it, then downgrade to the TD® Aeroplan® Visa Platinum* Card or TD® Aeroplan® Visa Infinite* Card. And then upgrade back to the Infinite Privilege card, would I still be eligible for the signup bonus?
I just want TD, RBC or AMEX to offer an Aeroplan or MR points no foreign transaction fee card...I spend about a grand a month in the States and use the Scotia Passport..I'd love to have 65k of those other points instead of the Scotia rewards I've collected...
Have you considered that the $25/month you'd pay with the more powerful points currencies might be outweighed by the additional value of those points?
@@PrinceofTravel yes been debating that, I look at the passport like a 2-2.5c cashback+Scotia points but it's coming up for renewal soon so might switch to something else...
FYI, I upgraded my hsbc we to hsbc Premier we within 1 yr and got the welcome bonus offer again and TEC credit.
You mentioned a couple of times in the video that you would get the welcome bonus even if you were switching cards rather than applying for a new card. That’s never been my experience. I’ve dealt with almost all the banks, and most every time the card switch means you were not entitled to the welcome bonus. They always insisted that the welcome bonus can only be awarded if a new credit line is opened. Can you clarify more on which banks/cards will give you the welcome bonus even if you’re just switching from another card at the same bank?
TD gives sign up bonus on switches for sure. I used to work at TD
Who knows for how much longer with the relentless mentions.
Same with RBC from my experience
@@freddytang2128 I can attest to this.
@@freddytang2128 This is actually not always the case. It depends on the promotion. But yes, most of the time they do honour it. Always call and ensure their verbal confirmation.
Source: I too used to work for TD and was an avid promoter of churning to clients :)
Those rules are for dropping or give up of a card, meaning discontinue the use of that card number. Or it means upgrading, meaning you keep the card, but just change to a new plan.
If is not upgrading what are the rules for upgrading, in other words, for how long do we have to stay in a plan before being able to upgrade and then downgrade to later upgrade again.
Can you make a video about visa infinite privilege comparison from different issuers in Canada ?
Gave you the like for the Hella stately table
Hey Ricky. Would you be open to sharing your gear you use for videos? I can see that your new videos are very well made and packaged. Just would help some other people who are looking for ideas for their youtube channels.
@PrinceofTravel I recently discovered your channel, have subscribed, and have been binging your videos. Thanks for all your great work. I just have one quick question. is it possible to get the welcome bonus on both the TD & CIBC Aeroplan visa infinite cards or can you only get one?
Aeroplan has made an announcement recently, one cannot get the welcome bonus on more than 1 aeroplan card. So while their system may not have caught on, it is advised not to do so. We want to have a healthy long relationship with aeroplan
If I had TD's FCT more than 12 months ago and PSed to another card, can I PS again to FCT and get its bonus? (An agent told me NO in this particular case... I suspect he is wrong.)
Hey Prince of Travel. Had a question for you. You previously mentioned that you should never get rid of your longest credit history cards. Well I've managed to hold onto the same RBC credit card for nearly 20 years & have a 35k credit line on it. I only have one card with RBC but I was thinking of doing a product switch to capture some of the sign up bonuses. One thing I noticed was that the product switches only offer 50% of the sign up bonus. Should I even bother doing a product switch with this card for an inferior bonus or just open up a new card? Possibly with TD?
The switch should give you 100% of the bonus - where did you learn that it only offers 50%?
@@PrinceofTravel I called and inquired about switching to the rbc Avion, and they would only provide me with half of the sign up bonus, not the full amount.
Literally just signed up for another rbc card and got the welcome bonus. After acquiring all the points within the 6 month time frame I'm going to product swap it to a zero annual fee card and keep my infinite avion. Free points 😁 After that I'm unsure of what to do to keep churning. Any insight?
HSBC 12 month rule: is it for new applications only - or product switches as well? Would be nice to be able to product switch and get the bonus without waiting 12 months in between..
the desk is fire
Are you going to give an update following the tightening this fall of Aeroplan and TD / CIBC banks?
On Scotia bank I’ll have to agree how random it is. With me and friends both having only a scene Card (0 AF), I received welcome bonus for Scotia Amex Gold while my friend didn’t.
That's weird. I was in the same boat. Asked a financial advisor and they said no, I won't be eligible. How did your friend get it? Did he ask or did the points just show up?
@@0741921 they just got it. They didn’t ask the advisor.
Should I be cancelling my TD credit card after receiving all possible bonuses and then reapplying after a year to get start up bonuses again or putting the card on hold?
Best medical insurance card for pre medical conditions
Have you ever heard that disability benefits don't count as income for the purposes of applying for a credit card? I'm on Saskatchewan Assured Income for Disabilities (SAID) and that was what I was told by a bank that as I don't get T4 slips (I get T5007s) that I couldn't apply. Makes me feel discriminated against but maybe the branch manager at Scotiabank is onto something though (and I just took it personally)? I had asked for the lowest credit limit and he didn't even look at my credit score (or even put in an application) before denying me for my first credit card. I know in the United States the Consumer Financial Protection Bureau says: "A card issuer cannot discriminate against you because you receive public assistance income.
Like all other forms of income, the issuer can consider the likelihood that the income will continue in evaluating your creditworthiness. A card issuer may consider issues relating to, for example, whether you will continue to meet the eligibility requirements for receiving benefits." www.consumerfinance.gov/ask-cfpb/can-a-card-issuer-consider-whether-i-receive-government-assistance-when-deciding-whether-to-issue-a-credit-card-to-me-en-21/ I am wondering is the same would apply in our country? I think it all should be based on merit of repayment ability and not the source of income itself.
If I have a supplementary card on my wife’s account can I sign up for my own account and still get the sign up bonus? The eligibility rules for Scotia bank seem pretty unclear on this aspect.
Wait so TD is really that generous? I have a TD APVI on first year free, so next year before it renews I should just cancel it and apply for it again (and potentially get another FYF)?
Great info about the HSBC cards and the 12 month break in between! I quite like them too as there's so much flexibility to use the points... like say all those taxes and fees after booking flights with points. Now you really ARE travelling for free. Next video perhaps? ;)
Good call - covering those pesky taxes and fees. 👍🏼
If you get the 35K points from Avion Visa Infinite, are you sure after 90 days if you apply for Avion Visa Platunum, you will still get another 35K? No matter on their website or talking to their representative, both said you cannot get another 35K. Can you verify this data point Ricky? Thank you.
Many positive data points on this.
@@PrinceofTravel t h x
Does RBC work the same way as TD where you can earn the welcome bonuses once per year or is it a once per lifetime rule like AMEX?
I have TD aeroplan infinite VISA for several years. In order to get welcoming bonus can I open same card with keeping current one or I have to cancel first current card then apply new one? That is not clear for me.
Can you use your e-upgades if you book a air canada vacation or only on flights
Hey Prince,
I am a little confused about Amex's lifetime rule, so if I have their cobalt card does it mean if I upgrade to the platinum I won't get the sign up bonuses?
It's one bonus per card. So 1 bonus for cobalt, 1 for gold, 2 for platinum, etc
Time for an update?
Love the outtakes 🤣
RBC is probably the most difficult of all the Canadian banks. Very arrogant and closed minded!
CIBC is so much easier to deal with!
Hmm, I for one find them quite easy to deal with... perhaps the easiest among the big 5 banks given their online functionalities.
@@PrinceofTravel I also have discovered TD has a feature to transfer funds via Visa electronicly. Totally free.
Sending from your USD account in Canada, to your US Account in the USA. Send it to your US Visa Debit Card. They “charge” $8.00 fee and reverse it the next day.
Great way to transfer between countries and only takes 2-3 hours! Anyone needing instructions can call TD cross border banking on the Canadian side!
Can you confirm if I can get all 3 welcome bonus for TD Aeroplan cards within 12 months. I'm getting conflicting information. Visa Infinite vs Privilege. Personal vs Business.
Your video and article says yes. I called them they said no. I emailed Rachel and she says one per FAMILY (Aeroplan).
Thank you
Thank you Amen
Hi Ricky, do product switch still qualify for sign up bonus at RBC? I noticed their terms and conditions say “you don’t qualify if you transfer from (almost every RBC card)”. Thought that language is inserted to deter product switching for sign up bonus
Switch to westjet credit card because if I remember correctly thats the only card not listed in terms Nd conditions. Get the 200 WB because the other 250 is for new applicants. Then switch back.
@@mblakeborough I currently have RBC westjet. So I can switch to other cards and it would work?
@@freddytang2128 yes it would. But be prepared to book a flight in advance if you dont want to lose any vouchers on file.
@@mblakeborough oh wait the voucher goes away if you cancel the westjet MasterCard??
@@freddytang2128 yes. So if you book a flight in advance even if you PS before the travel date you would be fine. As long as you dont cancel your flight. But if you plan to move back and forth with the avion and the westjet yhen you get avion points and 200 wsd everytime its switched. Or try to do a credit split with RBC and see if they give WB like TD does. I got an avion card and a westjet card so I can keep moving my cards around more often because i have 2 cards to product switch vs 1 card haha
Thumbs up for your desk.
Does the 1/12 for TD apply to Business cards as well?
Some of these cards require a high annual income. Can you actually get them without meeting the income requirement?
It’s possible if you have a present relationship with the bank for someone at the branch to advocate on your behalf and potentially push it through. Many issuers don’t care to verify your income on your application (but I wouldn’t suggest lying on your application).
Does that mean that you could keep getting the welcome bonus and first year fee waiver by cancelling after the first year and reapplying every year for TD cards?
would the amex business platinum be considered the same as a personal platinum?
I think business cards are considered different from personal
yeah I had the scotia visa passport, then I cancelled it in early 2020 as I realize I wasn't going to be using the lounge passes but will pay a 140 fee, then end of 2020 I signed up to scotia ultimate account which allows me to not pay the annual fee so I signed up to passport again, though no bonus this time. I still got it so I can have access to free lounge passes going fwd though.
Scotia is stingy when it comes to bonuses. I have had their student card since I started 5 years ago. Was looking to upgrade to Scotia gold and was told i cant get offer. Like wtf? I get stopping people from abusing bonuses, but I never got one and I've been customer for so long. Would it hurt to award some loyalty?
@@0741921 Did they say why, maybe try to go to the bank branch and ask a financial advisor? I do find applying to amex much easier than say a high end RBC or Scotia Visa for some reason
@@jayzee316 well why because it's in their terms. You can't get the bonus holding any of their cards 🤷♂️. And I did talk to a financial advisor. I was hoping of I explained my situation, said I'm willing to upgrade to their highest tier chequing account and made a threat of leaving for competitors hoping they would open up the offer. The FA said he'll ask higher ups and they said no. So sadly can't get the bonus and now I'm going afte other cards. Scotia's loss coz now ill be spending money and being loyal to other cars 🤷♂️
@@jayzee316 and applying to Amex is easier because Amex wants it to be. They don't have min income requirements and banks on more people paying their high fees and getting their higher end cards while competitors ask for incomes north of 100k.
@@0741921 yes I also have mortgage and heloc, direct investing, rrsp/tfsa accounts with scotia, quite disappointed to be honest. but it's a big hassle to move all that to another bank, unless it's just much better terms, I think most big banks are the same from speaking to my friends in canada. Credit cards are another story.
Iam 69 pre-existe medical conditions card gives. best medical Travl insurance For up 1 2 week travel
Hlo sir plz tell me 1 questions
Hella stately desk
Is there any rules for Amex Canada? They seem picky even though excellent score
It’s mentioned in the video
@@PrinceofTravel the video only talks about the 90 day rule for business cards but not personal and then the once in a life time rule.
However, they deny me for my 2nd card saying i have to much available credit because of my line of credits, multiple credit cards. I had to fight with then for 2 months and then they finally approved me. But my credit hasnt changed. It felt theres no rhyme or reason. Ive even heard people getting multiple credit cards with amex in 1 month. Any insight to this. Maybe there is a hidden guideline somewhere?
Hi, Any hints for Desjardins credit cards ?
Probably nothing interesting...
Like for desk
what's your instagram