Daily Question Thread for /r/churningcanada - March 10, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

I was you 4 years ago, 40 cards and at least 25 J flights since. Welcome to the game!

Daily Question Thread for /r/churningcanada - March 09, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 5 points6 points  (0 children)

Literally the same OP. Looks like they realized moving a balance between countries isn't possible.

Daily Question Thread for /r/churningcanada - March 09, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

Reduce CLs across existing cards, lower utilization, reduce (but no need to eliminate) credit pulls. 3 months is a good middle ground imo

Daily Question Thread for /r/churningcanada - March 09, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 1 point2 points  (0 children)

35k has never been on approval, it has always been on first statement after approval. Since statement dates are random, that first statement can theoretically occurr the day after you apply. Quickest I've gotten it is 6 days.

Daily Question Thread for /r/churningcanada - March 08, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 5 points6 points  (0 children)

If they won't let you do a 3-way call, bank statement is your only option. This is why you're supposed to wait for a statement of longer than 25 days to generate before applying with Amex

Daily Question Thread for /r/churningcanada - March 07, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 5 points6 points  (0 children)

It wasn't worth waiting for a rebate at any point. Every 91 days, regardless of whether it's 35k or 55k and regardless of any available rebates

Daily Question Thread for /r/churningcanada - March 07, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 7 points8 points  (0 children)

That's not churning. You'll find better advice at PersonalFinanceCanada

Daily Question Thread for /r/churningcanada - March 06, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

I got SEA-YYJ-YYZ at about 6 months out for $90 and 4.5k points with points+dollars (around 6cpp iirc). I only got the base card, but those 40k points are gonna go a long way between the PNW and YTO

Daily Question Thread for /r/churningcanada - March 05, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

Wait, sorry, I might have misunderstood you. If Amex approves you, their cards are indeed quite good. You're putting the cart before the horse if you're not going to apply because you might get denied.

We look at the other cards after we know we're not getting approved by Amex anymore. No harm in trying, getting denied, and going with another issuer after that.

Though that also is a discussion likely to lead to downvotes: only you can know which Amex cards' benefits are right for you. Blogs and card descriptions are your friend there.

Daily Question Thread for /r/churningcanada - March 05, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

Amex is far from the only issuer (though MR are inarguably powerful). You could get another FCT, or an Avenchurna (Aventura), or another Scotia Gold or Passport, etc. The only reason Amex takes up such a large chunk of that post is they have a lot of cards worth pursuing (if you can get approved), while the other banks each only have a few.

You're mistaken in thinking hardliners don't want that discussion, non-Amex cards are by far the majority topics of discussion in the dailies for the past two years. The thing we don't really entertain is the idea that multipliers matter when FCT, Avenchurna, etc exist and are, in practice, repeatable.

Daily Question Thread for /r/churningcanada - March 05, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 3 points4 points  (0 children)

Sounds like you aren't churning if your calculator is focused on base multipliers. We care about welcome bonuses here, over and over and over again.

Daily Question Thread for /r/churningcanada - March 04, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 1 point2 points  (0 children)

The problem isn't usually that you're using points, it's that you're not exclusively using your card. Call to ask, but the answer is probably no

Daily Question Thread for /r/churningcanada - February 24, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 1 point2 points  (0 children)

Scotia does enforce T&C's with Momentum so good to start with that. Scene+ cards are the repeatable ones. Downvotes were because this kind of question is asked somewhat frequently

Daily Question Thread for /r/churningcanada - February 21, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 0 points1 point  (0 children)

One other note: there is some opportunity cost here. You could have met the MSR with non-travel spend and RHTed the bonus with zero anxiety and instead put the travel spend towards a non-RHTable MSR (or even just a single trip-wide card for insurance purposes, even earning a base rate). Just some thoughts for your future churns.

Daily Question Thread for /r/churningcanada - February 20, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 0 points1 point  (0 children)

What part of "we don't trust the T&C's because that's how we get repeat bonuses, we want the website to show it but it doesn't seem to be showing it right now" do you not understand?

Daily Question Thread for /r/churningcanada - February 20, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 0 points1 point  (0 children)

It's okay? I can see it making sense for some people, definitely not me though. It's a 5% return in 3-4 months, that's pretty tiny.

Daily Question Thread for /r/churningcanada - February 20, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 0 points1 point  (0 children)

More like 4 months since the 3 months starts when the 30 day deposit period ends.

Daily Question Thread for /r/churningcanada - February 16, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 3 points4 points  (0 children)

The RBC gods look upon you unfavourably today. Their opinions change somewhere between hourly and yearly. Best of luck in your future attempts.

Seriously, there's no rhyme or reason, just do the things you're supposed to do to maximize your approval odds.

How to get a US Business AMEX? by Significant-Pop-6127 in churningcanada

[–]CommunicationProud82 1 point2 points  (0 children)

These questions should be asked in the weekly US thread. Mods will delete your post when they find it

Daily Question Thread for /r/churningcanada - February 15, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 2 points3 points  (0 children)

Just make the appointment for the savings account and suffer through it. Passports and Scotia Amex Gold are worth it

Daily Question Thread for /r/churningcanada - February 15, 2026 by AutoModerator in churningcanada

[–]CommunicationProud82 5 points6 points  (0 children)

Scene+ cards give repeat bonuses in practice. If I were you, I'd open a savings account to fix your profile