Expired Hot Deals

Meridian Visa Infinite Cash Back, FYF + $100 cash + up to 4% cash back

  • Last Updated:
  • Feb 13th, 2019 9:31 pm
Deal Addict
User avatar
Jan 9, 2011
4778 posts
4664 upvotes
Vancouver
shampygarg wrote:
Dec 17th, 2018 12:00 pm
Thanks! so clearly they are issuing the cards to non Ontario residents. Did they ask you any identification proof? if yes did you send them online or did it ask you upload a copy during the application process? As far as I know, it requires a regular HISA or any another online saving account first before you apply?
I joined in February when they were accepting CU membership to non-Ontario residents. The credit card was still restricted to Ontario residents only, but that was never disclosed anywhere in the application process, nor in any of the card's documentation. I applied, got the hard hit on my Equifax report, and was then rejected for non-Ontario residency. I put up a big fight that lasted nearly two months, that involved phone calls, emails, and snail mails to two senior Meridian VP's offices, asking why did they let me apply and check my credit file if they have no intention of ever giving me the card. They finally caved in and issued me the card. It wasn't long after that they made the card available to all Canadian residents, but it sounds like many of their staff are still not aware.
18% = GTA residents as a proportion of Canada's total population
97% = chance that an RFDer lives in the GTA when he posts something location specific, without giving a location

Were you hit with surprise customs/import fees on an Amazon.ca purchase?
Member
Dec 27, 2007
418 posts
165 upvotes
Kiraly wrote:
Dec 16th, 2018 9:24 am


You must be a member of any Ontario credit union before they can give you a credit card. This is by provincial law. I was able to open my account and get my membership online, no branch visit necessary (closest one is 4,000km away anyway)
Kiraly wrote:
Dec 17th, 2018 12:35 pm
I joined in February when they were accepting CU membership to non-Ontario residents. The credit card was still restricted to Ontario residents only, but that was never disclosed anywhere in the application process, nor in any of the card's documentation. I applied, got the hard hit on my Equifax report, and was then rejected for non-Ontario residency. I put up a big fight that lasted nearly two months, that involved phone calls, emails, and snail mails to two senior Meridian VP's offices, asking why did they let me apply and check my credit file if they have no intention of ever giving me the card. They finally caved in and issued me the card. It wasn't long after that they made the card available to all Canadian residents, but it sounds like many of their staff are still not aware.
It sounds like you were an exception , not the rule - which the bolded part confirms.

Like many others, I tried several times to complete whatever is necessary in regards to the credit card application over the phone or online/email - no go.
I had to visit a local branch to become a member, no online option was mentioned or offered by either Collabria or Meridian. Still not sure how one of the posters managed to finish his with an "account manager" by calling.
Another big YMMV/exception, I am sure.
Deal Addict
Dec 17, 2012
1097 posts
314 upvotes
Winnipeg
kkostadinof wrote:
Dec 17th, 2018 4:45 pm
It sounds like you were an exception , not the rule - which the bolded part confirms.

Like many others, I tried several times to complete whatever is necessary in regards to the credit card application over the phone or online/email - no go.
I had to visit a local branch to become a member, no online option was mentioned or offered by either Collabria or Meridian. Still not sure how one of the posters managed to finish his with an "account manager" by calling.
Another big YMMV/exception, I am sure.
i wouldn't consider applying for it then if it is causing this much hassle just to get the card for non resident Ontarian's.. Not giving me much confidence to process claims when the time comes or any fraudulent activity happens, if required. So I am bailing on it and consider something else.
Member
Dec 27, 2007
418 posts
165 upvotes
shampygarg wrote:
Dec 17th, 2018 5:01 pm
i wouldn't consider applying for it then if it is causing this much hassle just to get the card for non resident Ontarian's.. Not giving me much confidence to process claims when the time comes or any fraudulent activity happens, if required. So I am bailing on it and consider something else.
Had I known that would be such an ordeal, I would not have jumped on it, either. BNS Momentum Infinite offers practically the same with less hassle. Possibly they can ask for proof of income and if you are non-BNS customer to ask you go to to branch to pick up your card but none of these application shenanigans that Meridian/Collabria pulled off.
Member
Mar 4, 2007
324 posts
90 upvotes
Kanata
danobrien wrote:
Dec 17th, 2018 11:19 am
I think I got this mail at the end of November so maybe Meridian hadn't entered your email address into their system at the time that the mail was sent?
I got my card in early November, but nonetheless I just called them now. Someone named Suzy confirmed to me that everyone will be getting double the cashback for all purchases in December.
Member
Oct 21, 2015
229 posts
166 upvotes
Toronto, ON
Too many credit card at this time...

Hope they have same offer next year!
Deal Addict
Dec 17, 2012
1097 posts
314 upvotes
Winnipeg
Yeah I already have applied for it and got approved for it, and I m currently Scotia customer. I should get in a week once the first year free promo expires I will switch to there passport for first year free and then have it under my mortgage line ..that way I will be paying only half of the yearly fee. And for cashback I already have td cash back at no cost as I maintain minimum 5k balance.
Deal Addict
User avatar
Jan 9, 2011
4778 posts
4664 upvotes
Vancouver
kkostadinof wrote:
Dec 17th, 2018 4:45 pm
It sounds like you were an exception , not the rule - which the bolded part confirms.
Many non-Ontario RFDers are Meridian members and have the card now. It's not restricted to Ontario any longer.
Like many others, I tried several times to complete whatever is necessary in regards to the credit card application over the phone or online/email - no go.
I had to visit a local branch to become a member, no online option was mentioned or offered by either Collabria or Meridian.
Collabria doesn't care what any of its partners' membership rules are, it's not Collabria's problem. It's not hard to apply for Meridian membership online. Anyone who lives or works in Canada can join Meridian. Apply online today!
18% = GTA residents as a proportion of Canada's total population
97% = chance that an RFDer lives in the GTA when he posts something location specific, without giving a location

Were you hit with surprise customs/import fees on an Amazon.ca purchase?
Member
Nov 30, 2015
284 posts
130 upvotes
GTA, ON
Was wondering what's in it for ratehub or ratesupermarket for the $100 they give out as incentive? Is that $100 the value of the personal info you are giving them?

If we are super-sensitive about companies out there getting our personal info and doing whatever with it, should we really be going through these outfits to save $100? Or put another way -- sell our info for $100?

I'm going to apply for the card but am hesitant about the personal info I'm giving out to Ratesupermarket. I need to think about it a bit more before applying through them or just do it directly. Yeah, I did see some earlier posts that said they are safe and they do indeed look like a broker.
Member
Oct 25, 2001
339 posts
111 upvotes
Toronto
So what's the better deal here... $100 up front for this card, or $200 from 10% cashback on Scotia Momentum? Guess it depends on how much you're spending on non-gas/grocery.
Newbie
Jun 4, 2015
22 posts
4 upvotes
Mississauga, ON
So I called to follow up because I haven't heard anything since Dec 12. The phone number at Meridian takes you straight to Collabria call centre. I was hoping for a better experience than some of the posts above, but unfortunately I have to agree that the CS doesn't seem to be that great in terms of overall familiarity with the issues and expediency, I'd probably rate the service itself as maybe 2/5 compared to great experiences I've had, even dare I say, with some people over at Rogers.

Nevertheless, the worker on the phone was very kind and polite. I think everyone should keep that in mind. Even if the people are poorly trained, they're just doing a job, they're doing what they can. I've known people at call centres, and it's not a super glamorous job and the workers get flack for all sorts of things from all kinds of people all day long. So I would just cut them some slack and be patient.

She said she'd escalate my application because it still hadn't been reviewed (applied Nov 28, verified ID at branch Dec 12), and suggested that I also contact Meridian with my application number, which I should have received by email but did not....

Not super impressed by the overall organization here. My main goal was to switch from Scotia because of the better insurance coverage and, slightly less importantly, the flexible redemption options. I believe Desjardin and Assurant underwrite the insurance policies, so hopefully they would be ok to deal with if I ever needed to file a claim. I really shouldn't need to deal with Meridian or Collabria once I get going. And actually my (limited) experience with Meridian hasn't been that bad, except being left hanging after my last message....

NEVER had this much trouble getting a credit card...
Deal Fanatic
User avatar
May 7, 2007
6699 posts
2063 upvotes
They are garbage ... both Meridian and Collabria .... Denied me cuz I am not in Ontario and they can't verify my identity.

Why da freak do they offer their card Canada wide then, lol ... They can't really expect me to drive to Ontario just to verify my identity for some credit card ... where, in addition, my identity was already verified (after jumping hoops also, by the way) through Equafax (or whatever they are called) when I opened bank account with Meridian.

Both of them are mess ... Meridian told me just couple of weeks ago that there won't be a need to verify my identity cuz it's already verified ...

And now I don't hear from anyone for several more weeks .. no letter ... nothing ...

So i call to Meridian for update ... finally lady places me on hold .. comes back and tells me "unfortunately your application was denied" (cuz of above mentioned reason).

They can take their lame card then and shove it to where the sun doesn't shine. :(

:D
Newbie
Nov 15, 2018
1 posts
1 upvote
I escalated the issue that customer service is not providing satisfactory replies when I have already spoken with them like five times. Got approved for the credit card within two days. For escalation use the link below:-

Your text to link here...

The following person helped me:-

Kenton Wolfe | Member Experience Specialist

Meridian™

75 Corporate Park Drive

St. Catharines, Ontario, L2S 3W3

p: (905) 988-4042 ext. 2298

f: (905) 988-1521

kenton.wolfe@meridiancu.ca
Deal Fanatic
User avatar
May 7, 2007
6699 posts
2063 upvotes
ParviS25061 wrote:
Dec 23rd, 2018 2:01 pm
I escalated the issue that customer service is not providing satisfactory replies when I have already spoken with them like five times. Got approved for the credit card within two days. For escalation use the link below:-

Your text to link here...

The following person helped me:-

Kenton Wolfe | Member Experience Specialist

Meridian™

75 Corporate Park Drive

St. Catharines, Ontario, L2S 3W3

p: (905) 988-4042 ext. 2298

f: (905) 988-1521

kenton.wolfe@meridiancu.ca
Okay ... I called this Mr. Wolfe ... and left him a message ...

Hopefully he'll call me back (one of these days) ... and I'll tell him my "member experience".

And then see if he can help me in any way ... (unless, if you are denied (talking about credit card application), even someone like him cannot overwrite that decision any longer).
Sr. Member
May 3, 2008
878 posts
437 upvotes
Markham
Surprisingly I already recd the Ratessupermarket $100 BEFORE I recd the actual credit card. Checked my Meridian profile and CC already there but not physically in my mail box yet..

I assume being a Meridian member already makes a big diff to the process.

Also re $100, Meridian offer $100 in pts to existing members anyway if apply direct.

Top