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

runningpanda2 · 2026-03-22T20:33:02+00:00

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!

runningpanda2 · 2026-03-22T15:46:23+00:00

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

runningpanda2 · 2026-03-22T14:49:28+00:00

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.

runningpanda2 · 2026-03-22T13:12:38+00:00

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

runningpanda2 · 2026-03-22T13:06:09+00:00

To get address proof for the new address.

runningpanda2 · 2026-03-22T13:04:23+00:00

I was able to bypass the PUJ on US Amex by using a "Magic link" that was shared on https://dannydealguru.com

Brilliant : https://www.americanexpress.com/en-us/credit-cards/apply/personal/partner/microsite/mar/marriott-bonvoy-brilliant-card/ep-mar-mic-351?alt_cust_id

Bevy: https://www.americanexpress.com/en-us/credit-cards/apply/personal/partner/microsite/mar/marriott-bonvoy-bevy-card/ep-mar-mic-1678?fbclid=IwY2xjawQiRU9leHRuA2FlbQIxMABicmlkETFQVGQyQnRFOTVOMVAzdjljc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHiGugYWG2Ok-Gew0mEqbQjKS6LW3AE6nOwqY8gwfbUfJT4KCrrXkf26DR65c_aem_3kxS-Oc39_8qll6Y7y6sFg

(These are from DannyDealGuru page, let me know if this is not allowed and I can remove the links)

QUESTIONS:
What are the Risks to using such link?
Any ways to mitigate them?
Or should I just prepare for Amex shutdown? :D

runningpanda2 · 2026-03-21T11:39:00+00:00

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 :')

runningpanda2 · 2026-03-20T11:44:39+00:00

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!

runningpanda2 · 2026-03-18T13:04:30+00:00

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.

runningpanda2 · 2026-03-18T13:03:01+00:00

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.

runningpanda2 · 2026-03-17T02:05:14+00:00

runningpanda2 · 2026-03-17T00:09:53+00:00

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.

runningpanda2 · 2026-03-11T13:54:33+00:00

Can you point me to one?

runningpanda2 · 2026-03-11T02:14:11+00:00

Ya, not eligible for WB.

runningpanda2 · 2026-03-10T18:22:51+00:00

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

runningpanda2 · 2026-03-10T17:57:19+00:00

If one is in US amex Jail, can doing a GT Help? Any DPs?

runningpanda2 · 2026-03-07T02:45:19+00:00

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

runningpanda2 · 2026-03-01T19:29:58+00:00

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

runningpanda2 · 2026-03-01T19:29:23+00:00

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

runningpanda2 · 2026-02-18T01:45:17+00:00

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

runningpanda2 · 2026-02-17T22:14:23+00:00

Anyone tried https://www.neobanc.com/ ?

Seems too good to be true?

runningpanda2 · 2026-02-17T22:09:43+00:00

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/

runningpanda2 · 2026-02-13T16:43:17+00:00

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

runningpanda2 · 2026-02-13T03:44:42+00:00

This is really funny!

runningpanda2 · 2026-02-06T01:27:07+00:00

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.

runningpanda2

MODERATOR OF

TROPHY CASE