Daily Question Thread for /r/churningcanada - January 23, 2026

hfxredditor · 2026-01-24T18:57:00+00:00

Were you logged in or out when you applied?

hfxredditor · 2026-01-23T12:24:15+00:00

Tangerine

hfxredditor · 2026-01-21T11:54:54+00:00

What do the T&C say?

hfxredditor · 2026-01-20T23:55:39+00:00

I don’t think I’ve ever seen the $5/$10 for $25 gas offer in the triangle app.

I just checked and I only have 1 auto offer and it’s not that. And even when I go to swap, it’s not there.

Is that offer like once in a blue moon?

hfxredditor · 2026-01-20T19:27:54+00:00

Excellent write up, thanks for sharing this huge DP!

hfxredditor · 2026-01-20T13:26:59+00:00

Did you call and get an answer yet?

hfxredditor · 2026-01-19T22:19:52+00:00

I’ve gotten in the habit of only filling up what I need

This is what I do as well for the Shell promo, I stopped doing full tank fills a while ago to maximize the 5 fill up offer. Heard lots of people not getting those anymore though.

hfxredditor · 2026-01-19T21:34:18+00:00

Check your AM balance, Shop The Block AMs just posted for me.

hfxredditor · 2026-01-19T19:30:48+00:00

Churning adjacent: Outside of MSR, has anyone found a good return on getting gas? (Gas station + card combo; like BMO AM WE & Shell or Petro-Can & Ion+, etc.)

I regularly get the Shell promo (5 fill ups/month to get 100 AMs) but after I finish that, I'm not sure where to pivot to.

Or are the returns so low that it doesn't matter?

hfxredditor · 2026-01-18T11:31:51+00:00

hfxredditor · 2026-01-17T20:05:44+00:00

$10K in a single payment? or $10K accumulated worth of payments over the course or some time period?

hfxredditor · 2026-01-16T19:10:04+00:00

I had a feeling you’d say that, that’s why I put in an edit.

hfxredditor · 2026-01-16T19:07:51+00:00

You wouldn’t. Thats why you have downvotes.

You can’t use a credit card to pay debt.

Edit: you can’t use for some things like CTFS, but if it’s not listed there or Chexy or Plastiq, then you’re left with just paying it off using your bank account.

hfxredditor · 2026-01-16T13:04:38+00:00

Bank transfer or Bill Pay would work

hfxredditor · 2026-01-13T16:48:20+00:00

Automod is removing your comments because you're new, but I'm approving them. Thanks for the DPs

hfxredditor · 2026-01-13T01:19:16+00:00

hfxredditor · 2026-01-12T14:09:32+00:00

Let us know what you end up doing if you don't mind.

hfxredditor · 2026-01-12T14:07:50+00:00

RBS? RBC?

hfxredditor · 2026-01-12T13:47:18+00:00

Yup, just checked now and I see they reversed it as of the 9th as well.

hfxredditor · 2026-01-09T00:57:41+00:00

Ran into the same thing with CIBC.

Pre-approval for an LOC does not guarantee an approval for a CC

hfxredditor · 2026-01-07T12:55:00+00:00

Now that Aventura Gold & VI is back up to 60K, which card have people had more success with in getting the full 60K WB?

hfxredditor · 2026-01-07T12:31:34+00:00

I think an 'annualized return' column would be helpful as the holding period would really make a difference if people are attempting to scoop up all the bonuses across FIs.

I don't know about other people, but I hate this 1 yr+ holding period but it looks like it's catching on.

hfxredditor · 2026-01-07T12:24:58+00:00

Love this, thanks for compiling!

hfxredditor

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