MBNA Smart Cash MC: *FREE* World Version available!

[funky_monkey_99]

What's the best reward grocery store to buy homedepot gift card?

Metro - receive airmiles?
superstore - pc points?

probably metro for airmiles. cause i don't think u can earn pc points unless u pay with the debit or pc mastercard!

[angel_wing0]

What's the best reward grocery store to buy homedepot gift card?

Metro - receive airmiles?
superstore - pc points?

u dont get airmiles when u buy gc's at metro...i tried.

[Milfman]

u dont get airmiles when u buy gc's at metro...i tried.

A true RFD'er indeed

[angel_wing0]

A true RFD'er indeed :-)

well to be honest i didnt know i can get airmiles from metro (heck it was my first time there)...the cashier asked me so i was like why not...but then the receipt came out and no airmiles. Benk was there as well

[Shawguy]

I'm not on paperless b/c I like physical copies, but yes to both questions after (the PDF is exactly the same as the paper statement you'll get in the mail), and yes you can still access online statements if you still choose to receive them by snail mail (just go to www.mbna.ca to set up your online account linked to your CC)

Go through GCR and get $40 first by getting a PRP or SPG CC, then call to activate and convert at the same time

Thanks for all the info.

I called a couple of days ago and applied was given a reference number and stated should either receive a call if they need more info or something in the mail in the next two weeks.

Thanks to everyone in this thread....For the phone numbers, the promo codes, and the PDF info package, all everything.

I tried to keep up on all posts....but I think I have read the first twenty pages and the last thirty so I got a good general info on this card.

I did not want to sign up to that other website apply for a card and wait just to switch it over....yes $40 would be nice...but somethings just are not worth it....and it was easier to just apply directly.

[joncnca]

for those who already have the premier rewards card, the benefit of the smartcard is 2% over what you're getting already. i.e. 3% of the first $600 is $18, compared with 1% ($6).

...btw, i'm not considering the promotional 5% because conceivably you'd keep the card for much longer than the introductory period, so i wouldn't factor in introductory rates into long term planning

so basically that's a MAXIMUM of $12 per month, above what you'd get from the PRP+ card. it still adds up to an $144 per year, and you get to cash out every $50, which is nice, but are there any other advantages?

the SC is also a platinum card, right? so it has all the other benefits?

also, i already have about $150 worth of rewards on my PRP+ card. if i apply for transfer to SC card, will they just send me a cheque for my existing points, since it's over $50. they'll still recognize my PRP+ card, right?

thanks

[Slotback]

I just signed up today but was told the APR will stay at my current rate of 19.9%, but that I upon receiving my card can apply to get it down to 13.99%. My balance is actually $0, and I have a $5000 limit...never missed a payment and held it for 4-5 years and i have a good credit history and steady job. Do you think they will make a big fuss about lowering the rate, because thats the biggest reason why i signed up for this card?

[angel_wing0]

I just signed up today but was told the APR will stay at my current rate of 19.9%, but that I upon receiving my card can apply to get it down to 13.99%. My balance is actually $0, and I have a $5000 limit...never missed a payment and held it for 4-5 years and i have a good credit history and steady job. Do you think they will make a big fuss about lowering the rate, because thats the biggest reason why i signed up for this card?

well it's ymmv...are u new to mbna? if u are, then not likely imo...

the biggest reason u signed up for this card ie because of the 13.99% rate? ummm...

[dbdudley]

Just found this thread in the most helpful thread voting and called and converted over... thanks OP!

[cutesnoopydoll]

I know they sell home depot gift cards at Esso, but I'm not sure if you can ... but I woudln't see why not though
Are the terms/conditions of hte GC on the back of your GC? Maybe it'll tell you (not too sure though, best thing is to try it out I guess)

Did anybody try to buy gc using mbna SC and getting 5% on the cash rebate? I cannot see instantly on mbna.ca?

[angel_wing0]

Did anybody try to buy gc using mbna SC and getting 5% on the cash rebate? I cannot see instantly on mbna.ca?

Yes of cuz...

yes u dont see the actual rebate amount till the statement is created aka end of month cycle...but if u are buying at esso you should be getting the 5%.

[sjweyman]

Did anybody try to buy gc using mbna SC and getting 5% on the cash rebate? I cannot see instantly on mbna.ca?

Yes I bought a $200 Sobeys gift card from Sobeys and I got the 5% applied to my account.

[maebach]

Does anyone know when the 6 month promo starts? I just recieved my card but Im afraid to get it activated because I want to use it for groveries when school starts. Does it start after first transaction or when I call Mastercard to get it activated?

[kentbrockman]

Does anyone know when the 6 month promo starts? I just recieved my card but Im afraid to get it activated because I want to use it for groveries when school starts. Does it start after first transaction or when I call Mastercard to get it activated?

When I applied, they told me it starts as soon as they approve the card.

[angel_wing0]

Does anyone know when the 6 month promo starts? I just recieved my card but Im afraid to get it activated because I want to use it for groveries when school starts. Does it start after first transaction or when I call Mastercard to get it activated?

When I applied, they told me it starts as soon as they approve the card.

to be honest that i m not sure...some said it's when u get your first transaction, some ppl say it's when your card is activated...i would play safe and assume it's when they first approve your card.

And even if u are buying groceries, just overload on GCs now so u wont miss like a month of the 6 month promo.