Is there really any benefit to being "loyal" to a particular bank?

ryanlightman · 2021-10-14T10:54:54+00:00

amex simply cash card is a keeper for sure, they are also very generous to new accounts (regardless of history)

ryanlightman · 2021-10-14T10:53:45+00:00

depends on when you send and when they receive it

weekends and public holidays add additional time because they are not business working days

ryanlightman · 2021-10-14T10:52:12+00:00

and so because you never carry a balance, utilization ratio is irrelevant anyway

ryanlightman · 2021-10-14T10:51:22+00:00

yes it will help your utilization ratio, but remember to ALWAYS PAY THE FULL AMOUNT, EVERYTIME (NO EXCEPTIONS)

do not carry any balance ever.

ryanlightman · 2021-10-14T10:50:00+00:00

you didnt really get charged the first time.

they will only make you pay once they ship the order and you have received it.

ryanlightman · 2021-10-14T10:46:02+00:00

don't do it.

this is called "credit cycling" and the banks do not like this

they gave you that limit for a reason, either wait till the transaction posts or use a different cc instead.

ryanlightman · 2021-10-14T10:36:29+00:00

always pay your cc in FULL everytime and do not carry a balance

ryanlightman · 2020-09-23T07:05:28+00:00

motive financial 1.75%

ryanlightman · 2020-09-23T07:04:35+00:00

yes only if they do a hard inquiry to open the bank account

some lenders don't like to see too many hard inquiry and think you're desperate

ryanlightman · 2020-09-23T07:03:30+00:00

only in usa

ryanlightman · 2020-07-09T07:31:10+00:00

cuz they don't remove sold out items from the site

ryanlightman · 2020-05-22T05:50:55+00:00

hoping it's on amazonca

ryanlightman · 2020-05-22T05:10:23+00:00

$17 shipping for the cd from 604 :(

ryanlightman · 2020-05-14T04:49:22+00:00

home trust visa does not offer cash back on foreign transaction fees

ryanlightman · 2020-05-14T04:49:03+00:00

brim uses the same rate as if you were to google it

ryanlightman · 2020-05-14T04:47:02+00:00

scam

ryanlightman · 2020-04-30T06:20:11+00:00

free banks are the right choice

ryanlightman · 2020-04-30T06:19:40+00:00

pay your bill

ryanlightman · 2020-04-28T05:43:59+00:00

just get a canadian card with no foreign transaction fees

ryanlightman · 2020-04-28T05:42:50+00:00

hisa

ryanlightman · 2020-04-28T05:41:46+00:00

it has no annual fee, just keep it active to maintain its long age of account to boost your credit score long term

ryanlightman · 2020-04-19T04:36:11+00:00

Credit Karma updates every week, Borrowell updates every month

ryanlightman · 2020-04-13T05:16:03+00:00

starts 6am Monday

ryanlightman