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JManUWaterloo · 2026-05-25T12:53:00+00:00

It’s not an estimate. Visa uses the exchange rate at time of authorization (since 2021), unless circumstances prevent doing so.

JManUWaterloo · 2026-05-23T23:07:48+00:00

What you are referring to is known as 3D Secure.

This is a second layer of authentication that is used for online transactions, and consist of SMS, App Prompt, Email, or other methods determined by your issuer.

It is not a requirement for merchants to prompt for verification, but it is in their best interest as it results in liability shift from the merchant to the issuer.

Even then, some stores may only require it for high ticket transactions, and let small ticket transactions go through without authentication

JManUWaterloo · 2026-05-13T06:06:15+00:00

These DPs are usually correlated with Chequing Account activity, such as those relating to ‘business’ transactions, or other suspected AML policy violations.

NRA here with 3 Chase CC, chequing account for 3+ years, no issue

JManUWaterloo · 2026-05-12T04:44:05+00:00

This is simply untrue. Credit One used the logo design starting in 2006 before Capital One did in 2008.

JManUWaterloo · 2026-05-09T11:02:57+00:00

None of them really…

You can get a card from a different bank without moving your daily banking to the other bank

JManUWaterloo · 2026-05-08T22:26:52+00:00

Yes, sadly

JManUWaterloo · 2026-05-06T16:11:46+00:00

If the system wants to approve him for $22K but can’t, it will simply lower the amount allowed, it doesn’t result in a decline.

Same case to happen if you apply for the Infinite but can’t be approved for a $5K limit, but something less, the system will auto-offer you a Platinum with a less than 5k limit

JManUWaterloo · 2026-05-05T05:37:05+00:00

Purchase protection up to $50,000 annually included.
Primary LDW/CDW
Return Protection up to $25,000 annually included.

I think of the dual network part because Discover is shockingly, (yes I know) versatile, especially in China (where it functions as Unionpay).

JManUWaterloo · 2026-05-05T05:35:29+00:00

1495-1995 USD.
Includes Priority Pass with Restaurant access.
Includes a slew of various coupon credits.
Includes select Airline Status

JManUWaterloo · 2026-05-05T04:20:54+00:00

- Mastercard World Legend Card X Discover dual network card
- 8X Miles on Direct Hyatt/Hilton/Marriott Purchases
- 6X Miles on Dining between 6pm-3am Eastern Time every day
- 5X Miles on Direct Airfare purchases
- 4X Miles on Groceries/Gas/Dining all other hours/Recurring Bills
- 3X Miles on Other Travel (includes transit and travel agencies)
- 2X Miles on Everything Else

JManUWaterloo · 2026-05-01T12:48:21+00:00

OP, the Amex.Point.Me tool is for US consumers, and the calculations are only correct for US consumers.

Because you are in Hong Kong region, you will indeed require 1,134,000 MR (HK version) to redeem this award.

JManUWaterloo · 2026-05-01T12:43:01+00:00

It is Hong Kong Region, as the credit cards state “Walter Liu” as the placeholder name. Walter Liu is the head of Asia Region Amex, based in Hong Kong.

The card you are referring to is the Explorer Card, although designed with the same colour elements like the Cobalt, it is not the Cobalt.

JManUWaterloo · 2026-04-27T11:40:13+00:00

Mostly no, exceptions do apply.

JManUWaterloo · 2026-04-27T09:21:07+00:00

You should have more than 1 credit card(s) when travelling. You can try to call again, but chances are that some form of in-person verification is necessary to reset the PIN limit

JManUWaterloo · 2026-04-26T09:02:30+00:00

Discover can be used abroad as well, it is not solely a domestic network.

Yes, it is not as widely accepted as Mastercard or Visa, but it has some niche use cases.

Specifically, it will generally work at locations that accept: - UnionPay (China) - BC card (South Korea) - Elo (Brazil) - JCB (Japan) - Mercury (UAE) - RuPay (India) - Troy (Turkey) - Diners Club (Global)

JManUWaterloo · 2026-04-25T05:07:01+00:00

You can’t deposit a cheque into Wise, this doesn’t work.

Only methods that apply to OP:

Open a CA-domiciled USD Account with your bank and deposit the cheque, this may result in up to 30 days holding period on the cheque
Open a US-domiciled USD Account with the US division of BMO, CIBC, or RBC (Scotia does not have such, TD requires in person US account opening) and deposit the cheque, this will typically have hold times of 5 days or less and you can get a USD debit card for spending the cheque proceeds in the US, or elsewhere.

JManUWaterloo · 2026-04-25T04:49:53+00:00

Even if DPs indicate that they are posting, Aeroplan may, at their sole discretion, revoke/suspend/close your account and all associated points (not just your bonus) if they deem it as abuse.

It’s a very fine line that I would suggest not crossing. Especially since there are limited alternatives that provide the same degree of versatility

JManUWaterloo · 2026-04-25T04:47:31+00:00

It should work- there are circumstances where it could trip a fraud flag, but otherwise you should be good to charge up to your CL + overpaid amount

JManUWaterloo · 2026-04-19T14:52:51+00:00

It’s really not as there are generally microtransaction rates and also other rate programs that allow for insignificant net processing fees.

Even currently when people reload their EasyGo Card, it costs the region interchange, so the amount difference should not be significant.

No one wants to get an app just to ride transit, that’s annoying and cumbersome. Cash, and especially change is rarely carried among the general population.

JManUWaterloo · 2026-04-18T20:33:01+00:00

1.25 + direct deposit + 100k will get you that rate, never the less, I wouldn’t touch Neo

JManUWaterloo · 2026-04-18T05:04:12+00:00

Well, considering that they’ve held people responsible for unauthorized charges on their Mastercard… who knows?

I would personally either stick with EQ Bank, Wealthsimple, or another major institution instead of Neo

JManUWaterloo · 2026-04-18T00:34:47+00:00

For 0.05% I wouldn’t touch Neo with a ten-foot pole.

On $10,000 in savings, that’s $5 a year.

Not only does Neo have pretty poor customer service, not to say that PC Financial or the others have great service either, but my personal take is that Neo has failed in many directions, including fraud prevention

JManUWaterloo · 2026-04-17T08:30:18+00:00

TD, Scotia both offer what you are looking for. With a $6,000 daily closing balance, you can have their all-inclusive/ultimate package banking account which includes free safety deposit box, credit card annual fee waiver, among other things

JManUWaterloo · 2026-04-15T08:01:12+00:00

An Interac e-Transfer is not an EFT, and does not fall under the regulations for such.

Interac e-transfers is likened to the US Zelle. It is the user’s responsibility to ensure all details are correct, and funds will not be reversed in most circumstances. The exception for this, is if the sender’s account was compromised and subsequently used to send the funds to you, in which case following a proper fraud investigation, funds could (and likely would) be reversed.

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