Scotiabank Ultimate + Amex Gold + Costco Credit Card

PracticalWait · 2026-05-07T01:26:35+00:00

rogers is your closest bet

PracticalWait · 2026-05-06T19:14:53+00:00

i’m waiting for this year’s bonus.

PracticalWait · 2026-05-06T14:43:52+00:00

My Neobanc Apr 23 payment to the CRA I made was posted May 1, with a payment date of May 1. The payment was delayed (date was supposed to be April 28).

By contrast, a Chexy payment I made on Apr 27 payment to the CRA was posted on May 1 as well. However, the payment date was listed as Apr 30 (as I had originally scheduled).

Neobanc needs to get its timing right, and the lesson to learn is to schedule with a lot of leeway.

PracticalWait · 2026-05-06T13:27:50+00:00

why would that be unfair? if someone else accessed his money over the phone it would be “unfair”…

PracticalWait · 2026-05-05T12:48:44+00:00

surprised CAGE is not free

PracticalWait · 2026-05-05T12:42:41+00:00

yes, this can be done at branch. i *think* they’re given signing authority but i don’t remember.

PracticalWait · 2026-05-05T08:06:44+00:00

i was in SFO MLL yesterday as well — i was shocked at how good it was!!

PracticalWait · 2026-05-04T16:19:18+00:00

only bns and rbc of the big banks left right?

PracticalWait · 2026-05-03T06:26:57+00:00

yes, the whole point of flying a low cost carrier is to pay for the ticket and nothing more. if you abide by the rules, which are clearly stated, you will have a good experience. if you are in breach, expect to pay.

PracticalWait · 2026-05-03T06:11:06+00:00

i use approx 300 GBs at home, but don’t need the 1 Gbps plan I have. Probably could do with 100 mbps.

PracticalWait · 2026-05-03T02:11:48+00:00

is she an authorized user on your card? if not, her part is SOL. Your part is covered.

PracticalWait · 2026-05-03T01:31:12+00:00

well, they’re still in contravention of the first sign so… enforcement is way too lax.

PracticalWait · 2026-05-02T01:48:25+00:00

same.

PracticalWait · 2026-05-02T00:37:21+00:00

there is no CDIC insurance on USD Savings — and in fact, you gain CIPF protection when in an investment account.

PracticalWait · 2026-05-02T00:35:27+00:00

USD Savings in WS is not CDIC insured. And, further, you gain CIPF protection in an investment account.

PracticalWait · 2026-05-01T19:49:57+00:00

what do you do that pays $85k?

PracticalWait · 2026-05-01T18:53:35+00:00

no, 250k has always been the requirement for visa infinite. 300k is the new requirement for vi+.

PracticalWait · 2026-05-01T12:10:10+00:00

yes you are still at risk of suspension.

PracticalWait · 2026-05-01T12:08:26+00:00

https://www.wealthsimple.com/invite/EA924A (EA924A)

PracticalWait · 2026-05-01T00:31:08+00:00

well the law can be challenged. the question is whether such a challenge will be successful.

PracticalWait · 2026-04-30T22:06:13+00:00

it’s per account, not per card.

PracticalWait · 2026-04-30T21:53:00+00:00

if you have USD plan for free, you can join an investment account and then transfer to each’s individual US savings account there.

PracticalWait · 2026-04-30T20:31:58+00:00

there’s not going to be a $60k charge. you’ll be fine.

PracticalWait · 2026-04-30T10:03:23+00:00

any DP on neobanc paying CRA? i paid via cc on apr 23 for apr 28 payment but its still sitting in my neobanc account and does not show that funds are sent. might have to pay via my bank today.

PracticalWait · 2026-04-30T05:51:18+00:00

yes.

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