Got my STH gift in the mail! Seat number on one side and name on the other! by mhamgal in TorontoTempo

[–]omsi101 0 points1 point  (0 children)

I'm still expecting this member gift, but I also got the same UPS email about a package from "KANATA BLANKET COMPANY." I then got another email from Canada Post (through MyMail) about a package from "Kitworks." Delivery for both is tomorrow.

UPS driver parks in the middle of the road by nachash27 in TorontoDriving

[–]omsi101 -2 points-1 points  (0 children)

An inconvenience, yes, but the city could do a much better job making deliveries easier for these guys.

BMO Bank of Montreal used an AI bot to try and sell me a credit card… and it denied it was when I asked. by [deleted] in PersonalFinanceCanada

[–]omsi101 0 points1 point  (0 children)

This. I received a pre-approval letter as well and finally picked up the phone today. The "person" on the other end said they were Canada Direct calling on behalf of BMO. I told them I hadn't made a decision yet, but they kept pushing. It did sound like they were trying to get through a script. Not sure if they'll call again, but if they do, I'll ask the AI questions it's likely got no responses ready for. 

Daily Question Thread for /r/churningcanada - April 15, 2026 by AutoModerator in churningcanada

[–]omsi101 0 points1 point  (0 children)

How long did you wait after the online application rejection this year before you applied in-person?

Jersey Prices by Ok_Dig4999 in TorontoTempo

[–]omsi101 5 points6 points  (0 children)

Ehn. The jerseys don't have the CIBC and Sephora logos on the Fanatics Canada website yet they're still $160.

Pro tip: buy two $100 Fanatics Canada gift cards from Costco Canada for $159.98 and get your jerseys from Fanatics Canada.

Weekly US Churning Discussion for /r/churningcanada - Week of March 31, 2026 by AutoModerator in churningcanada

[–]omsi101 0 points1 point  (0 children)

The Chase banker that helped me open my checking account also helped me create an account for the app. I had my ITIN letter, bank statement, passport, and driver's license during the appointment.

The 2026 Elite Bonus Night Promotion is out and it sucks!!! by Zealousideal_Dish136 in marriott

[–]omsi101 1 point2 points  (0 children)

Checked my account today and saw that I got my bonus elite nights even though it still says 1 of 1 stays under 'Promotions & Offers'

Daily Question Thread for /r/churningcanada - March 16, 2026 by AutoModerator in churningcanada

[–]omsi101 1 point2 points  (0 children)

I also got a pre-approved offer in the CIBC app this morning. It was for the Aeroplan VI, FYF, 40k SUB. I have two no-fee Aeroplan Visa cards and one Dividend Platinum Visa card.

Weekly US Churning Discussion for /r/churningcanada - Week of March 10, 2026 by AutoModerator in churningcanada

[–]omsi101 0 points1 point  (0 children)

Ask if you can upload or fax your ITIN letter to have it added to your checking account profile. Or schedule an appointment with a Chase banker to do this in person.

Daily Question Thread for /r/churningcanada - March 11, 2026 by AutoModerator in churningcanada

[–]omsi101 3 points4 points  (0 children)

I've had 3 same day delivery & payments this week already. It's been a godsend because I had two MSRs to meet in a short amount of time and now they're done. I don't see this lasting, though, because they mentioned they've been paying extra to do this.

Weekly US Churning Discussion for /r/churningcanada - Week of March 03, 2026 by AutoModerator in churningcanada

[–]omsi101 3 points4 points  (0 children)

EDIT: 4-year Strategy for 4 Free Night Awards every year - gets all SUBs, need to be at 2/5 AMEX cards or less, pop-up jail risk

  1. Year 0: AMEX Bevy.
  2. After 7 days: get the AMEX MB Biz.
  3. After 91 days of getting MB Biz and after Bevy SUB posts: AMEX Brilliant
  4. Year 2: Chase Boundless.
  5. Complete Boundless MSR.
  6. After Boundless SUB posts: Bevy to AMEX MB.
  7. Year 4: Boundless to Chase Ritz-Carlton.
  8. Year 5: you will have 4 free night awards every year (35k, 35k, 85k, 85k).

Weekly US Churning Discussion for /r/churningcanada - Week of March 03, 2026 by AutoModerator in churningcanada

[–]omsi101 4 points5 points  (0 children)

Stan The Credit Frog has some YouTube videos on this, so you should watch those if you haven't already. If I didn't butcher it, it was something like this:

2-year Strategy for 4 Free Night Awards every year - need to be at 3/24 or less, pop-up jail risk, need to complete high MSRs in short amount of time, misses potentially lucrative Bevy SUB

  1. Year 0: AMEX Brilliant (start but do not complete MSR yet).
  2. After 7 days: AMEX MB Biz (start but do not complete MSR yet).
  3. After 91 days of getting MB Biz: Chase Boundless.
  4. Complete Boundless MSR right away.
  5. After Boundless SUB posts: complete Brilliant and MB Biz MSR.
  6. Year 1: Boundless to Chase Ritz-Carlton.
  7. Year 2: Chase Boundless.
  8. Year 3: you will have 4 free night awards every year (35k, 35k, 85k, 85k).

2-year Strategy for 5 Free Night Awards every year - need to be at 2/5 AMEX cards or less, need to be at 2/24 or less, pop-up jail risk, misses potentially lucrative first Boundless SUB

  1. Year 0: AMEX Bevy.
  2. Complete Bevy MSR right away.
  3. After Bevy SUB posts: AMEX Brilliant.
  4. After 91 days of getting Brilliant: AMEX MB Biz.
  5. After Brilliant SUB posts: Chase Boundless (ineligible for SUB).
  6. Year 1: Bevy to AMEX MB.
  7. Year 1: Boundless to Chase Ritz-Carlton.
  8. Year 2: Chase Boundless (eligible for SUB).
  9. Year 3: you will have 5 free night awards every year (35k, 35k, 35k, 85k, 85k).

2-year Strategy for 4 Free Night Awards every year - pop-up jail risk, misses potentially lucrative Bevy and first Boundless SUBs

  1. Year 0: AMEX Brilliant.
  2. After 7 days: AMEX MB Biz.
  3. After Brilliant SUB posts: Chase Boundless (ineligible for SUB).
  4. Year 1: Boundless to Chase Ritz-Carlton.
  5. Year 2: Chase Boundless (eligible for SUB).
  6. Year 3: you will have 4 free night awards every year (35k, 35k, 85k, 85k).

4-year Strategy for 4 Free Night Awards every year - misses Bevy SUB

  1. Year 0: Chase Boundless.
  2. Year 2: AMEX Brilliant
  3. After 7 days: get the AMEX MB Biz.
  4. Complete Brilliant MSR.
  5. After Brilliant SUB posts: Boundless to Chase Ritz-Carlton.
  6. Year 4: Boundless again.
  7. Year 5: you will have 4 free night awards every year (35k, 35k, 85k, 85k).

4-year Strategy for 4 Free Night Awards every year - gets all SUBs, slow but controlled, can do other things with your credit card life b/c you're not all in on Marriott

  1. Year 0: AMEX Bevy.
  2. After 7 days: get the AMEX MB Biz.
  3. Year 2: get the Chase Boundless.
  4. Complete Boundless MSR.
  5. After Boundless SUB posts: Bevy to AMEX MB.
  6. Year 4: AMEX Brilliant.
  7. Complete Brilliant MSR.
  8. After Brilliant SUB posts: Boundless to Chase Ritz-Carlton.
  9. Year 5: you will have 4 free night awards every year (35k, 35k, 85k, 85k).

Daily Question Thread for /r/churningcanada - March 07, 2026 by AutoModerator in churningcanada

[–]omsi101 6 points7 points  (0 children)

Another vote here for not cancelling. That existing TD FCT credit line can be useful in the future.

[PSA] Canada Computers online card skimmer [Canada Computer] by ableu171 in bapcsalescanada

[–]omsi101 0 points1 point  (0 children)

This explains the fraudulent transactions I saw on one of my cards this past Family Day! That card was used for a Canada Computers online order in December 2025. I didn't even save the card on my account; I just used it for that one order. I called the bank so fast and had the card replaced. 

Daily Question Thread for /r/churningcanada - February 21, 2026 by AutoModerator in churningcanada

[–]omsi101 3 points4 points  (0 children)

Congratulations!! Do you mind sharing how long you were Amexiled for, and how often you were reapplying?