If I show you TD nightnames, and CIBC,...
BMO seems competent over the phone so does Tangerine.
- Training 101
May 18th, 2017 9:36 pm
May 18th, 2017 9:43 pm
May 18th, 2017 9:43 pm
May 18th, 2017 9:54 pm
May 18th, 2017 9:55 pm
May 18th, 2017 10:01 pm
May 18th, 2017 10:04 pm
I remember calling my branch (after moving out of Province) over a decade ago. Initially, she seemed kind of cold and bitchy. Asked for my name and then asked if I was related to my <my dad's name>. After I said yes, my immediate access to deposits was bumped from 1K to 3K and that was it. This was a town of about 8000 in NFLD.KamS046 wrote: ↑May 18th, 2017 9:54 pmYou guys need to stop associating an entire national bank with a few bad apples. It's all about the rep you have and how crafty they are for fufiling your needs.
Example is when I was with BMO they were being dicks about giving my company credit without some extensive background check. I even offered to secure it. I was ranting to my buddy and he told me I had to go see his rep.
She approves me for a $xxxx card on my company with no background check. Apparently reps have some leeway to decide on their own before a legit credit check happens. Not to mention she hooked me up with reimbursement of all bank fees for the year (no fee-less business accounts existed back then), free cheque books, and instant clearing of wire transfers.
I had a so-so experience with TD. A friend referring me to his rep and same thing happens again.
Unfortunately for me (good for her) the BMO rep got promoted =(. The new schmuck plays by the books. Which I don't mind but he doesn't take advantage of his leeway to retain customers.
May 18th, 2017 10:21 pm
May 18th, 2017 10:25 pm
May 18th, 2017 10:37 pm
Check your credit score. I had TD jacked up my rate on my credit line and when I checked my score it went down 5/6 points. If your score goes up your interest rate on your credit line would go down automatically
May 18th, 2017 10:45 pm
That tells me you're bad at managing your debt. The interest rate charged on loans is closely tied to your credit history.
May 18th, 2017 11:01 pm
May 18th, 2017 11:16 pm
Hey did your wife get 4 MORE priority passes with the additional card?cquilliam wrote: ↑May 18th, 2017 11:01 pmA lot of negative comments here for BMO, and some of it is warranted. I've been a BMO customer for many years with mortgage, chequing and now mastercard. I gotta say, the BMO Rewards Elite Mastercard is great, 2% on every dollar spent for bmo rewards. From my research, the prices charged for flights on bmo rewards is equal or very near equal for prices found on Google's ITA matrix website.
In saying that, the one downside is not only the $150 annual fee, but, started this past year (which I got waived, but was told it won't be waived any longer), a secondary card for my wife will cost an extra $50. So, we will be in the market for a new card, but, it's a shame because I have really enjoyed the World Elite card with the priority passes, the 2% return and the really good rewards site. We put so much cash through this card, I'm very disappointed that an extra card will now cost us more when it didn't before, it seems very cheap on the company. I'm sure there are other credit card companies that will value our merchant fees.
May 18th, 2017 11:17 pm
The real problem is, after the cold sign up bonus, it just becomes another useless 1% card.
May 19th, 2017 12:08 am
Yeah that pissed me off too (secondary card). I'm still figuring out if it's worth it to keep the secondary card and pay the fee or get mom different card altogether. Probably the latter since the points don't make up for the extra cost. booo BMO boooo