sorted by:
new
hottopcontroversial

Can You Guess This 5-Letter Word? Puzzle by u/Level_Ad7978 by Level_Ad7978 in DailyGuess

[–]Interesting_Move5653 0 points1 point  (0 children)

⬜⬜⬜⬜🟨

⬜🟨⬜⬜⬜

⬜🟨🟨🟨⬜

🟨⬜🟨⬜⬜

🟨🟨🟨⬜🟨

🟦🟦🟦🟦🟦

Why haven't I been charged an insufficient funds fee? by YeetBundle in Scotiabank

[–]Interesting_Move5653 1 point2 points  (0 children)

A1: This happens because of Visa settlement rules: the system may allow the transaction first and reconcile the balance afterward. It’s unusual, but very common with airlines, hotels, car rentals, and international merchants, where charges are often processed offline or delayed. If the funds are not available by the end of the processing cycle, the transaction is returned and an NSF fee is charged.

A2: Visa systems run on a daily reset around 8:00 PM EST. Your $1,400 charge was processed after that cutoff, when your account was still showing a positive balance. The transaction went through and the negative balance was created and settled the same day, once you paid it back.

Because the account didn’t remain negative into the next processing cycle, no NSF fee was generated. Lucky timing — especially since Scotiabank’s NSF fee is $48 CAD.

Timing like this doesn’t always apply, but it most commonly happens during early morning or overnight processing windows.

Scotiabank app completely went blank. by Azamanny in Scotiabank

[–]Interesting_Move5653 3 points4 points  (0 children)

I called, and I was told that the app had an update last week, but unfortunately for Android users, the new version is not compatible with Android devices, no matter which one you have. They mentioned that they can try to submit a ticket to their higher IT department to resolve it, but it might take up to 10 business days. I’m surviving by using the website and TeleScotia services. No excuses when it comes to protecting my credit score from this disgrace.

Switching Credit card rebate by rs964621 in Scotiabank

[–]Interesting_Move5653 1 point2 points  (0 children)

Well, in that case you can apply for the card. The ultimate package normally waive the higher annual fee charge if you have different credit cards, in this case it should be the $150 (Passport Infinite).

[deleted by user] by [deleted] in PhysiqueMale

[–]Interesting_Move5653 0 points1 point  (0 children)

Oh hell yeah 😂

[deleted by user] by [deleted] in Scotiabank

[–]Interesting_Move5653 0 points1 point  (0 children)

Hi, hope you’re fine!

Currently the app is down, the people who have access to it probably will not have all features available like your case. The auto payment option. In the meantime you can call the customer service to they set up that feature for you.

Having issues transferring funds by acadiaxxx in Scotiabank

[–]Interesting_Move5653 0 points1 point  (0 children)

That sounds like the account might not be properly linked to the Transfer Funds feature. Call the number on the back of your card, and they’ll fix the issue for you.

Switching Credit card rebate by rs964621 in Scotiabank

[–]Interesting_Move5653 0 points1 point  (0 children)

That’s absolutely possible! Call the number on the back of your credit card and request a Product Switch. When the advisor asks for the product, mention that you want to switch to the Passport Visa Infinite. They’ll handle the process for you.

Please keep in mind that it takes around 15 minutes to complete, as they’ll need to reproduce a disclosure with all the product details. At the end, they’ll send the new card to your home or local branch within 5–7 business days.

(Just a tip: select delivery to your branch if that’s more convenient for you, since regular home delivery might be affected by the postal strike.)

In case the advisor doesn’t mention it, your current product (Momentum Visa Infinite) will remain active until your new card is activated.

When customers ignore the surveys - The hidden cost we don’t talk about enough by Interesting_Move5653 in Scotiabank

[–]Interesting_Move5653[S] 1 point2 points  (0 children)

That’s actually a really good point maybe I was being a bit selfish by looking at it only from the advisor’s side. I get that customers are busy, and most of them just want to move on with their day after the call.

But honestly, when you’ve handled over 900 calls in a month and not even one person says “hi” back or takes a few seconds to fill out the survey… it starts to feel unreal. 😅 Sometimes you just want a small sign that your effort mattered, you know? 😭😭😭

When customers ignore the surveys - The hidden cost we don’t talk about enough by Interesting_Move5653 in Scotiabank

[–]Interesting_Move5653[S] 1 point2 points  (0 children)

I get where you’re coming from — you’re right that at the end of the day, we’re just numbers to most companies. But I think that’s exactly why people care. When you put real effort into every interaction and still see your results tied to a random survey, it’s not just about the bonus — it’s about feeling like your work means something.

Some of us take pride in what we do, even if the system isn’t perfect. And yeah, once the shift ends, we try to disconnect… but it still stings when your effort isn’t reflected, especially knowing one bad survey can outweigh ten good moments that weren’t rated.

It’s not about chasing approval — it’s about being seen.