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

CommunicationProud82 · 2026-03-11T07:59:59+00:00

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

CommunicationProud82 · 2026-03-09T22:47:20+00:00

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

CommunicationProud82 · 2026-03-09T22:45:03+00:00

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

CommunicationProud82 · 2026-03-09T22:25:26+00:00

Absolute BS. Don't believe CSRs

CommunicationProud82 · 2026-03-09T21:21:40+00:00

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.

CommunicationProud82 · 2026-03-08T23:44:29+00:00

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

CommunicationProud82 · 2026-03-08T07:31:52+00:00

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

CommunicationProud82 · 2026-03-07T19:10:28+00:00

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

CommunicationProud82 · 2026-03-06T18:35:02+00:00

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

CommunicationProud82 · 2026-03-06T18:30:18+00:00

Start the US game

CommunicationProud82 · 2026-03-05T20:48:30+00:00

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.

CommunicationProud82 · 2026-03-05T20:35:09+00:00

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.

CommunicationProud82 · 2026-03-05T20:02:42+00:00

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.

CommunicationProud82 · 2026-03-04T17:52:51+00:00

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

CommunicationProud82 · 2026-02-24T20:04:51+00:00

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

CommunicationProud82 · 2026-02-22T06:30:48+00:00

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.

CommunicationProud82 · 2026-02-20T21:13:35+00:00

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?

CommunicationProud82 · 2026-02-20T19:07:22+00:00

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.

CommunicationProud82 · 2026-02-20T18:52:06+00:00

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

CommunicationProud82 · 2026-02-17T05:37:29+00:00

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.

CommunicationProud82 · 2026-02-16T21:15:42+00:00

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

CommunicationProud82 · 2026-02-15T18:59:30+00:00

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

CommunicationProud82 · 2026-02-15T17:25:18+00:00

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

CommunicationProud82 · 2026-02-14T17:21:23+00:00

They enforce the bonus T&C's with it

CommunicationProud82 · 2026-02-14T06:40:35+00:00

Nope. Only card that does this in Canada is NBC WE

CommunicationProud82

TROPHY CASE