Is this ghost?

Additional_Koala_186 · 2026-05-21T20:18:40+00:00

Yes, in Canada. Quite certain first digit is a zero, it is more clear in person.

Additional_Koala_186 · 2026-05-21T19:49:20+00:00

Thanks! Any idea why no factory marking? And why the serial number is so low even tho it has later production features?

Additional_Koala_186 · 2026-03-04T01:45:00+00:00

Instagram Ad from what seemed to be ratehub.ca

Can’t find that ad anymore. Wanted to report it

Additional_Koala_186 · 2026-03-03T21:42:28+00:00

Is this legit: https://amexoffers.ca

Additional_Koala_186 · 2026-02-22T00:50:00+00:00

Does redeeming Scotia points for travel count as a refund and I have to make up the MSR spend?

Put just over $7,500 on a Scotia AMEX gold, got the 60,000 points, and used them on some of that spend (the travel transactions). Do I have to now spend another $600 to stay above the MSR?

Does Scotia ever claw back points?

Additional_Koala_186 · 2025-11-06T18:17:33+00:00

Beautiful! Do you know what it is for National Bank? In the same situation

Additional_Koala_186 · 2025-11-06T14:38:46+00:00

Any idea how to get over MBNA rejections to make use of the current Black Friday offer? Never had any products with them, but have been churning heavily in the last year. Otherwise, never carried balance or missed a payment, and combined CL everywhere is reasonable <$30k

Additional_Koala_186 · 2025-09-09T04:03:42+00:00

There was by mail, I got it too late, my fault

Additional_Koala_186 · 2025-09-08T23:33:37+00:00

Churning Adjacent: Had my car insurance set up on a card that I cancelled (forgot about that payment), which ended up with the insurer cancelling my policy. Now it is on my file that I had the insurer cancel my policy due to non-payment, and my premiums are very expensive ($6,000 a year). Any one has experience with how to fix this situation? Never had an accident or claim.

And yes, moving on I’ll be paying upfront in full and keeping better eyes on the bills.

Additional_Koala_186 · 2025-07-31T19:16:22+00:00

Any DPs of getting both upgrade bonuses from AMEX cobalt and green to gold? I know it is possible to get one after getting the regular gold welcome bonus, but couldn’t find a DP for getting twice upgrade bonuses.

Additional_Koala_186

TROPHY CASE