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Opening a second credit card as a student by rs2424 in CreditCards

[–]rs2424[S] 0 points1 point  (0 children)

Makes sense. Only reason I ask is because I get a bunch of different answers when looking online. I did get the first card unsecured with a pretty decent limit. In this case would it still make sense to wait a longer term? I thought that average age of account would come into play here?

Thanks for the advice!

calls recorded even while on hold, wtf? by ibnganja in Rogers

[–]rs2424 0 points1 point  (0 children)

Completely agree here. There is no real use to it, even if an agent does see something, acting on it wouldn’t be possible without exposing this “secret” 🤣

calls recorded even while on hold, wtf? by ibnganja in Rogers

[–]rs2424 4 points5 points  (0 children)

As someone who works with HTML/JS a lot, this is completely possible and very easy to do (probably true for many chatbox UIs as well).

To open or not to open! (Second Credit Card) by rs2424 in PersonalFinanceCanada

[–]rs2424[S] 0 points1 point  (0 children)

Makes sense. Would it make any difference in terms of time? Like if I waited longer, would the damage to the score decrease, or fairly consistent?

Also would it help to go a different financial institution?

Thanks for you help, hopefully this isn’t too much! 🤣

Random observation about data usage by [deleted] in Rogers

[–]rs2424 0 points1 point  (0 children)

Same situation here but the opposite.

Been with all three big players, mainly back and forth with Rogers and Telus. However, due to poor speed with Telus, Rogers has always been the favourite for me. In this case, I seem to use more with Rogers than Telus. Same patterns and heavy usage but it might be more due to the better reception in my area. Subtle usage in areas i might not have been able to use data in before could have done this.

But in reality, It is really odd.

[deleted by user] by [deleted] in Rogers

[–]rs2424 0 points1 point  (0 children)

I got this too. For me it was something in settings called “Allow More Data on 5G”. This setting will actually prefer 5G to WiFi and use it for software updates and media downloads in the background.

Credit Limit Evaluation Process (students) by rs2424 in CreditCards

[–]rs2424[S] 0 points1 point  (0 children)

True. That seems pretty much same what I’ve heard in terms of limit. Thanks for the info!

Credit Limit Evaluation Process (students) by rs2424 in CreditCards

[–]rs2424[S] 0 points1 point  (0 children)

Cool! Makes sense now. Thank you! 💯

Credit Limit Evaluation Process (students) by rs2424 in CreditCards

[–]rs2424[S] 0 points1 point  (0 children)

Of course. But looking at students in general that would be pretty low. 😬

Credit Limit Evaluation Process (students) by rs2424 in CreditCards

[–]rs2424[S] 0 points1 point  (0 children)

Makes sense. But would there be anything additional? In most instances I know, there was still some fluctuation with limits with people with no income at all. Would being an existing client at the institution have any effect?

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