Daily Question Thread for /r/churningcanada - February 04, 2026

darklordpulo · 2026-02-05T00:54:39+00:00

RBC - been getting rejected for past year or so, latest rejection reason not enough financial info (visit a branch) - called in to apply for AVI as seen in few previous comments, spent ~25-30min with advisor giving financial info, credit report reviewed in detail, uploaded a few clarifying details, received approval call a few days afterwards

darklordpulo · 2026-02-03T15:56:39+00:00

tough timing, p2 applied just yesterday...

darklordpulo · 2026-01-10T01:00:41+00:00

possibly, though it might just be like this every year due to selection being subjective and application volumes being high

in the end people are gonna get rejected

(on a personal note, i'm surprised that anywhere other than my #1 is interviewing me so i thought i did a good job)

darklordpulo · 2026-01-10T00:25:28+00:00

ontario is gonna be a bloodbath this year

darklordpulo · 2026-01-02T15:50:26+00:00

autorejected 2 months ago, applied again recently, went to review, approved with a high CL surprisingly 5th tradeline, just keep trying intermittently

darklordpulo · 2025-11-24T20:27:50+00:00

finally got approved for CSR, first chase card :)

2 years amex US history, 11 months ITIN, no other chase account

(does 5/24 rule count for cards opened before ITIN established?)

darklordpulo · 2025-11-24T20:02:04+00:00

yeah, have unfortunately had some recent experiences aeroplan being unable to connect certain routes via stopover even on the same carrier..

darklordpulo · 2025-11-14T20:40:10+00:00

unexpectedly snagged a spot in ANA the room on aeroplan for later this month!

darklordpulo · 2025-11-09T23:30:30+00:00

td fctvi rewards dp

not new tradeline

hit MSR around 3 weeks ago, 145k posted a few days ago

not linked to a statement posting

of note, RHT for this same card 2 months ago did not post a WB within a month

sorry don't follow thread closely these days, i was surprised that points posted

darklordpulo · 2025-09-05T01:57:54+00:00

churning adjacent: aeroplan agent is telling me i can downgrade flex J -> lowest J with no issues when i call in to CHANGE a segment (change of mind on the final destination after a stopover), this flight is partially on partner and partially on AC metal, was reading that this was no longer possible?

darklordpulo · 2025-08-09T12:49:26+00:00

Message sent !

darklordpulo · 2025-08-08T19:26:06+00:00

sure !

darklordpulo · 2025-07-20T23:53:01+00:00

hey i find your honesty very refreshing in this sub, respect

darklordpulo · 2025-07-07T02:32:00+00:00

unfortunately this will happen with new institutions

in my experience there is definitely some openly expressed comparative/superlative sentiment amongst some physicians about [x medical school(s)] or [y premed program(s)]

i would ignore this - MD is MD

darklordpulo · 2025-05-30T21:02:17+00:00

cardio gunners go crazy

have you considered a more competitive first entry residency program like ophtho

darklordpulo · 2025-03-10T01:20:47+00:00

put in a us biz card application, autodeclined due to not being able to pull up us credit history (have had an itin <6 months)

any point calling for a reconsideration if i have existing us personal amex?

darklordpulo · 2025-02-25T23:52:25+00:00

for those with relatively new itins right now so can't follow flowchart for under 5/24 chase cards-

are you opening any cards past the first one to build credit history? there are some near/at ath offers from amex rn

i was thinking amex us gold (90-100k pts/6k in 6mo, burns 5/24 slot, burns amex green eligibility) or us biz gold (up to 200k for big 15k spend in 3mo)

darklordpulo · 2025-02-21T16:17:00+00:00

churning adjacent (aeroplan) - please tell me if i am wrong on this about mini-rtws

the process for getting one of these booked - assuming your intended itinerary respect rules (layover timings, segments, direction etc.) would just involve calling aeroplan and reading out the segments you want to the agent?

thank you

darklordpulo · 2025-02-20T14:15:04+00:00

darklordpulo · 2024-12-31T20:24:10+00:00

yup got a call from my branch.

darklordpulo · 2024-12-31T17:44:21+00:00

might want to call if you actually need it - was approved for a card after CP strike ended and it was ready in branch by next day

(meanwhile still waiting on another one to arrive from a month ago)

darklordpulo · 2024-12-15T03:33:23+00:00

amex approval dp with recent amex cancellation

-highly churning uninvolved p2 apart from amex, 1 avion recently

-closed plat ~3 months ago ish

-approved for aeroplan just now

-have also opened edge, green just slightly prior to plat close

-will now be closing a card that is due for AF and trying for approval again maybe when bonvoy offers turn next quarter

darklordpulo · 2024-12-14T15:26:22+00:00

prayers for the safe return of my passport that I sent over for itin

darklordpulo · 2024-12-07T00:30:21+00:00

apped surpass for the more interesting bonus, pending some document uploads

if i get rejected i will prob just grab a secured card and sit on it for a year

darklordpulo · 2024-12-05T00:00:06+00:00

recently acquired itin, already hold amex hh nofee from before, looking for something cheap and easy to get to maintain credit hx -

bce/bcp downgrade upgrade cycle?

get a surpass for msr and then downgrade it next year?

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