they gave me $500 CL with 25% based on low score
with 2nd statement they increased CL to $1500
with 6th statement they increased CL to $4000
and lowered interest to 19%
with 12th statement they increased CL to $7000
Jun 1st, 2017 1:19 am
they gave me $500 CL with 25% based on low score
Jun 1st, 2017 8:24 am
Dat b da 1!tallestman wrote: ↑ Is this the card y'all are talking about:
https://ctfs.com/content/ctfs/en/cards/ ... rcard.html
Jun 1st, 2017 8:28 am
My experience was very similar, 6th statement interest rate dropped and credit limit increased +$2500. I started with a $3000 CL.noahlittlpeep wrote: ↑ they gave me $500 CL with 25% based on low score
with 2nd statement they increased CL to $1500
with 6th statement they increased CL to $4000
and lowered interest to 19%
with 12th statement they increased CL to $7000
Jun 1st, 2017 8:47 am
My experience is similar, however I started with $2500 at 19% and I am down to 16%. Also, I've had the card longer and my limit is now at what I believe is their maximum - 18K.noahlittlpeep wrote: ↑ they gave me $500 CL with 25% based on low score
with 2nd statement they increased CL to $1500
with 6th statement they increased CL to $4000
and lowered interest to 19%
with 12th statement they increased CL to $7000
Jun 1st, 2017 8:54 am
I think it has more to do with the quantity of cards and limits you already have.vkizzle wrote: ↑ If that were the case, I should be getting a $100k limit. Lol
From last year to date (MBNA WE, MBNA Rewards Platinum, Chase Marriott Visa, AMEX Business Gold, Rogers MC), all were issued at $5k+.
I'll start using this card for CT purchases and hope it will increase enough to allow me to pay property taxes next year.
Jun 1st, 2017 10:25 am
I can live with the starting limit of $500, which will strictly be CT in-store purchases; as the main use was for utility and property tax paymentsbewiseman wrote: ↑ I think it has more to do with the quantity of cards and limits you already have.
When I got my CT card, I was recovering from previous issues. I had only one card with a $750 limit at the time. I was immediately awarded $2500 at 19%.
You're applying with perfect credit and many cards. This is the more likely reason why they gave you a low limit. Their system questions whether or not you're going to even use the card.
At the same time, I also applied for a Walmart card and received a $1500 limit which rose to 12K in two years. I cancelled this card a couple of years ago. Just for the fun of it ( wanted to collect the free $25 bonus again), I applied for this card again about 6 months ago. My credit, job, and ratios are way better than they were when when I originally had the card. I was rejected!
Jun 1st, 2017 4:23 pm
Good to see you've accepted it and moved on, unlike many people would.
Jun 1st, 2017 7:11 pm
I've been happy with Canadian Tire.bewiseman wrote: ↑ My experience is similar, however I started with $2500 at 19% and I am down to 16%. Also, I've had the card longer and my limit is now at what I believe is their maximum - 18K.
Both Canadian Tire and Walmart were cards that were easy to get and very quick to raise limits if you handled your credit with them properly.
Jun 1st, 2017 11:49 pm
Jun 4th, 2017 10:47 pm
Jun 5th, 2017 9:06 am
Paytm will start charging fees for property taxes in the very near future.ValueHunter999 wrote: ↑ anyone else received an email from CTFS encouraging you to pay bill using the ctfs CC?
I think they are feeling the pressure from paytm?
if paytm continues to waive the fee for the gas and hydro bills ... i will soon ditch the ctfs CC ...
Jun 6th, 2017 12:25 am
Jun 7th, 2017 12:59 pm
I got the email too. First time I've ever seen them advertise it. I love paying for bills with my CTMC. Just hope they update the website to store bill account numbers and last payments to speed things up a bit.ValueHunter999 wrote: ↑ anyone else received an email from CTFS encouraging you to pay bill using the ctfs CC?
I think they are feeling the pressure from paytm?
if paytm continues to waive the fee for the gas and hydro bills ... i will soon ditch the ctfs CC ...
Jun 7th, 2017 1:31 pm
i only use it for bills which do not accept CCs ...MarvinMartian wrote: ↑ I got the email too. First time I've ever seen them advertise it. I love paying for bills with my CTMC. Just hope they update the website to store bill account numbers and last payments to speed things up a bit.
Jun 7th, 2017 1:54 pm
Last couple of yrs, we put thru ~$30k to $35k using CTFS CC.ValueHunter999 wrote: ↑ anyone else received an email from CTFS encouraging you to pay bill using the ctfs CC?
I think they are feeling the pressure from paytm?
if paytm continues to waive the fee for the gas and hydro bills ... i will soon ditch the ctfs CC ...
Jun 7th, 2017 1:58 pm
Jun 7th, 2017 2:00 pm
You're missing all of the action.alanbrenton wrote: ↑ Only heard about PayTM today. Didn't know an Indian company is also interested in doing payment business here in Canada.
https://paytm.com/
Paytm is an Indian electronic payment and e-commerce company based out of Delhi NCR, India. Launched in August 2010, it is the consumer brand of parent One97 Communications. The name is an acronym for "Pay Through Mobile."
Jun 7th, 2017 2:06 pm
I see. Too bad I have no more Amex cards to earn aeropesos with.
Jun 7th, 2017 2:07 pm
yes, i m almost half way thru the property tax ... i have earned $20 already for future use ...Speedy1 wrote: ↑ Last couple of yrs, we put thru ~$30k to $35k using CTFS CC.
This year we have been using PayTm and Plastiq as much as we can due to amex spend requirements and higher rate of return than CTFS CC using other credit cards.
I hope PayTm continues to waive fee for property tax until end of June. With their new recent $10 credit promo, looks like they are still looking for more users so their fee waiver may last a bit longer.
Jun 7th, 2017 2:12 pm
Is it better to use another card with PayTM with a higher cash back like Rogers MC?