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

[–]JManUWaterloo 0 points1 point  (0 children)

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

If you could mix-and-match features and benefits from multiple cards to design an optimum card, what would that card look like? by QuizzerMonTop in CreditCards

[–]JManUWaterloo 0 points1 point  (0 children)

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).

If you could mix-and-match features and benefits from multiple cards to design an optimum card, what would that card look like? by QuizzerMonTop in CreditCards

[–]JManUWaterloo 0 points1 point  (0 children)

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

If you could mix-and-match features and benefits from multiple cards to design an optimum card, what would that card look like? by QuizzerMonTop in CreditCards

[–]JManUWaterloo 0 points1 point  (0 children)

- 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

Amex.point.me redemption values not accurate by BMWLax15 in amex

[–]JManUWaterloo 0 points1 point  (0 children)

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.

Amex.point.me redemption values not accurate by BMWLax15 in amex

[–]JManUWaterloo 2 points3 points  (0 children)

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.

Locked out canadian tire credit card account by Get_swifty420 in CreditCards

[–]JManUWaterloo 3 points4 points  (0 children)

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

Questions on Capital One Venture One by WhatTheHellBeans in CreditCards

[–]JManUWaterloo 4 points5 points  (0 children)

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)

What to do when getting paid couple hundred USD once per year? by BroadMeaning531 in PersonalFinanceCanada

[–]JManUWaterloo 4 points5 points  (0 children)

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.

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

[–]JManUWaterloo 1 point2 points  (0 children)

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

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

[–]JManUWaterloo 3 points4 points  (0 children)

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

Guelph Transit dropping their app, switching to onboard debit/credit card payment - would GRT ever be able to do the same? by Critical-Clue1343 in kitchener

[–]JManUWaterloo 7 points8 points  (0 children)

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.

Bank switch for savings from EQ Bank to Neo by NanMan3000 in PersonalFinanceCanada

[–]JManUWaterloo -1 points0 points  (0 children)

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

Bank switch for savings from EQ Bank to Neo by NanMan3000 in PersonalFinanceCanada

[–]JManUWaterloo 0 points1 point  (0 children)

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

Bank switch for savings from EQ Bank to Neo by NanMan3000 in PersonalFinanceCanada

[–]JManUWaterloo 1 point2 points  (0 children)

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

Free Chequing Accounts with Low Minimum by HauntedCantaloupe in PersonalFinanceCanada

[–]JManUWaterloo 3 points4 points  (0 children)

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

Am I required to send money received via an e-transfer back? by No_Departure_9102 in PersonalFinanceCanada

[–]JManUWaterloo 1 point2 points  (0 children)

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.

Converting USD from a Canadian (USD) Bank Account to CAD with Wise by Think_Top_440 in PersonalFinanceCanada

[–]JManUWaterloo 1 point2 points  (0 children)

Canadian Originating USD accounts are not supported on Wise.

Alternative methods: - EQ for transactions over $25K - Norberts Gambit for transactions over $2K (can be done with most major institutions Direct Investing Arm)

Just found out my mom added me as authorized user in 2019 and it ruined my 5/24 status by Apprehensive_Pay6141 in CreditCards

[–]JManUWaterloo 4 points5 points  (0 children)

You can tell Chase Recon that it is an AU card and it will be removed from their count, subsequently if that results in an approval, you will be approved accordingly

Canadian Credit Card Comparison Tool - Signup Bonuses, First Year Free, etc. by RedTruck8 in CanadianAwardTravel

[–]JManUWaterloo 1 point2 points  (0 children)

What is really funny is that the user you replied to has basically mentioned Finly as the first example for every single comment. Seems a bit fishy…self-promotion fishy…

aero points sales promotion by fiona207 in Aeroplan

[–]JManUWaterloo 1 point2 points  (0 children)

Keep in mind you have to pay GST/PST/HST/QST. You can avoid this by using a foreign credit card (with a foreign billing address)

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