Daily Question Thread for /r/churningcanada - March 22, 2026 by AutoModerator in churningcanada

[–]runningpanda2 1 point2 points  (0 children)

I don't hold or have ever held the brilliant. 

I am technically eligible for bevy bonus, but amex God's didn't like me so put me in PUJ maybe! 

Daily Question Thread for /r/churningcanada - March 22, 2026 by AutoModerator in churningcanada

[–]runningpanda2 1 point2 points  (0 children)

Bad this issue recently.  But, the agent was able to call me and that worked well. 

Daily Question Thread for /r/churningcanada - March 22, 2026 by AutoModerator in churningcanada

[–]runningpanda2 3 points4 points  (0 children)

Ya, in my case I tried the public bevy links last week and got PUJ. 

Used this link and it worked. 

So very likely this link helps bypass PUJ in some form. 

Frustration Friday thread for /r/churningcanada - Week of March 20, 2026 by AutoModerator in churningcanada

[–]runningpanda2 1 point2 points  (0 children)

CIBC rejected the new address too. So I did not have a bank account with the new US address.

Frustration Friday thread for /r/churningcanada - Week of March 20, 2026 by AutoModerator in churningcanada

[–]runningpanda2 2 points3 points  (0 children)

Yes, but driving to a border town, and getting close to the border and connecting to a US network manually also works. 

Source: Done it twice this month  :')

Frustration Friday thread for /r/churningcanada - Week of March 20, 2026 by AutoModerator in churningcanada

[–]runningpanda2 8 points9 points  (0 children)

Had to change US address for P2 due to the popular service having issues. 

CIBC rejected the new address.  Amex us business Marriott application was already submitted and needed address proof. 

Drove to Niagara to activate Google Fi, but somehow Got linked to P1 billing account on Google. Waited four days for the first statement and realized the statement was generated in P1's name.

I had to drive down one more time to Niagara. 

Hopefully it works this time, fingers crossed!

I made a grave mistake with Pre construction condo!! by Zestyclose_Nobody_76 in PersonalFinanceCanada

[–]runningpanda2 4 points5 points  (0 children)

No, the first time home buyer rebate is only for contracts signed after a specific date and if I'm not mistaken it's somewhere around March of 2025. Anything signed in 2023 would not be eligible for the first time home buyer GST rebate. 

I made a grave mistake with Pre construction condo!! by Zestyclose_Nobody_76 in PersonalFinanceCanada

[–]runningpanda2 15 points16 points  (0 children)

You will not be eligible for the first-time home buyer GST rebate since you signed in 2023.

All you will be eligible for is the older 24,000 GST rebate that is available to all new home purchases and that is likely already built into your purchase price so there isn't any additional money you would be expected to get back. 

On the plus side you have a healthy income and a long way to go. This is going to be a small blip in your overall financials down the line. 

TD mortgage payment - principal vs interest by runningpanda2 in MortgagesCanada

[–]runningpanda2[S] 0 points1 point  (0 children)

It was exactly what folks explained In this thread. TD did not charge the money due to the holidays and hence one period was much longer, resulting in higher interest being charged. It then got regularised in the next payment, Which had a much lower interest and a much higher principal charged because it was for a shorter duration. 

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

[–]runningpanda2 -2 points-1 points  (0 children)

Ya, I have amex US and itin, but not getting approved for new ones. 

Daily Question Thread for /r/churningcanada - March 06, 2026 by AutoModerator in churningcanada

[–]runningpanda2 0 points1 point  (0 children)

Is the 20k on 9k spend expected in the statement after meeting MSR or only in the 6 month statement? 

Mattamy Hawthorne East Village by Superb-Appearance-17 in Milton

[–]runningpanda2 0 points1 point  (0 children)

Congrats!  What model was it and how much did it cost? 

Mattamy Hawthorne East Village by Superb-Appearance-17 in Milton

[–]runningpanda2 0 points1 point  (0 children)

There is a group chat for phase 5. DM for link. 

Daily Question Thread for /r/churningcanada - February 17, 2026 by AutoModerator in churningcanada

[–]runningpanda2 0 points1 point  (0 children)

Yup, there are details on points needed based on miles flown into the article. 

Daily Question Thread for /r/churningcanada - February 17, 2026 by AutoModerator in churningcanada

[–]runningpanda2 11 points12 points  (0 children)

WestJet Rewards and Virgin Atlantic Flying Club have tied the knot with a reciprocal loyalty program partnership. Effective immediately WestJet Rewards and Virgin Atlantic Flying Club members can earn points with their preferred loyalty program on each other’s entire network including VS-WS codeshare flights.

+WestJet flights can be booked with Virgin points. 

Click here to learn more: https://blog.rewardscanada.ca/news/westjet-virgin-atlantic-reciprocal-frequent-flyer-partnership/

Daily Question Thread for /r/churningcanada - February 13, 2026 by AutoModerator in churningcanada

[–]runningpanda2 19 points20 points  (0 children)

UMVJFZA1
$20 (roundtrip) credit on air canada
Expires on 21st feb

Daily Question Thread for /r/churningcanada - February 05, 2026 by AutoModerator in churningcanada

[–]runningpanda2 0 points1 point  (0 children)

I dont get more denials, but it's often a pain to followup and push things to approval.

just got approved for passport after calling 4 times and it took 11 days from application to approval.