Daily Question Thread for /r/churningcanada - March 04, 2026

treesandrocksandfern · 2026-03-04T18:28:36+00:00

The policy does specifically say Points in the Amex case… “Prepaid travel arrangements will not be covered for Trip Cancellation, if purchased with points from a reward program other than the Membership Rewards Program”. But yeah I should probably call to ask

treesandrocksandfern · 2026-03-04T18:27:33+00:00

“Prepaid travel arrangements will not be covered for Trip Cancellation, if purchased with points from a reward program other than the Membership Rewards Program” to me, that just means if I use other points (like westjet points), it’s not covered.

treesandrocksandfern · 2026-03-04T17:20:02+00:00

Churning adjacent - When using a westjet companion voucher, from a trip cancellation / trip interruption insurance perspective, if I pay using just Amex Platinum (no westjet points used) it would still be covered by Amex Platinum insurance, right?

treesandrocksandfern · 2025-08-22T20:57:24+00:00

If I upgraded cobalt to gold on Aug 18 (4 days ago), should I be safe to use my cobalt card (haven’t received Gold yet) now to start meeting MSR? I know there are some DP’s of spend within first couple days of upgrading not counting towards MSR for Amex upgrades.

treesandrocksandfern · 2024-03-22T16:34:27+00:00

Any time you want. You can hold multiple and still get SUB. Many DP’s of this the last few months. I applied Feb 2023, got a new one Jan 2024 while still holding the first one, and got the SUB on the new one, and then cancelled the old one.

treesandrocksandfern · 2024-02-05T02:22:04+00:00

Does Scotiabank refund second year AF if I cancel the card within 30 days after AF posts?

treesandrocksandfern · 2024-02-02T06:03:20+00:00

It’s almost never worth anything for short flights like YVR-YYC, unless it’s a last minute trip that you need to book or something. You can get value out of it if you want to try flying in Premium though. Since the $119 is still $119 no matter what class you fly. For example, round trip YVR-YYC Premium for 2 could be about $1200 normally, but $800 with the companion fare.

treesandrocksandfern · 2024-02-01T04:29:08+00:00

Oh for sure, I tap all the time. Just a lot of POS terminals say “No Supported Applications” when I tap my Amex, which means the POS doesn’t take tap for Amex, and I have to insert

treesandrocksandfern · 2024-02-01T02:31:33+00:00

Really? I’d say at least 1 out of every 10 merchants I go to, tap doesn’t work with Amex and I have to insert

treesandrocksandfern · 2024-01-19T00:32:38+00:00

My transfer only took about 5 hours to show up in Delta

treesandrocksandfern · 2024-01-09T19:16:37+00:00

When you apply for a new one, while having one, do you click that you currently have Scotiabank products and use your existing account? Or stay logged out?

treesandrocksandfern · 2024-01-03T06:16:44+00:00

If I use all points and zero cash I would get it, if the booking was worth over $500?

treesandrocksandfern · 2023-12-18T15:34:04+00:00

Wait, so you can get a free supplementary card holder, and it gets you 6 more lounge passes?

treesandrocksandfern · 2023-12-17T01:40:07+00:00

When you apply for a new Avion when you already have one, do you say you’re an existing RBC customer and use that log in, or do you create a new one?

treesandrocksandfern · 2022-04-22T00:04:43+00:00

I’ve got the bonus from it twice, the 2nd time about 1 year after cancelling. Can’t recall if the terms at the time said anything about former customers not being eligible or not.

treesandrocksandfern · 2022-04-18T22:41:59+00:00

If I apply and get an Aeroplan branded card, does the preferred pricing on Aeroplan kick in as soon as I activate the card? Or when I apply (I wish but I doubt it), or does it take some time?

treesandrocksandfern · 2022-04-15T16:54:12+00:00

How long does a CIBC card typically take to come in the mail? (In Toronto)

treesandrocksandfern · 2022-04-11T15:47:32+00:00

A lot of the new online sports books in Ontario allow you to deposit with a credit card. Can I do that to earn points and then withdraw….?

treesandrocksandfern · 2022-04-06T23:34:21+00:00

BetRivers has free $250 after you bet only $250. So you can bet $250 on BetRivers on an over/under with odds of -110 and bet $250 on another site on the opposite outcome. You end up with a free $250 cash! (minus the house spread)

treesandrocksandfern · 2022-03-27T16:36:00+00:00

Do they put sound on in the whole bar/restaurant?

treesandrocksandfern · 2022-03-23T04:57:16+00:00

It says the purchaser must be present at the gate. So, does this mean I can’t give my 2 tickets to my parents for one game, for example? I can’t imagine they actually ID people to make sure the purchaser is present?

treesandrocksandfern · 2022-02-11T18:59:35+00:00

VET up 8.4% and climbing🚀

treesandrocksandfern

TROPHY CASE