about 9 years total, but only 3 with this branchangel_wing0 wrote: ↑gj, how long have u bank with scotia?
Scotia Momentum Visa - 2 %, Gas, Groceries, Pre-Auth; 1 % Other. Not Tiered !, $39/yr
- Last Updated:
- Nov 26th, 2014 6:36 pm
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- SCORE
- wally_walrus
- Deal Addict
- Oct 19, 2007
- 2310 posts
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- 45.467253°N, 75.5123…
- LWNTHK
- Jr. Member
- Mar 11, 2009
- 189 posts
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- Toronto
I think most banks care about new customers, more than existing customers.wally_walrus wrote: ↑about 9 years total, but only 3 with this branch
(not that I agree with it). So I think people should ask before they apply for it.
- angel_wing0
- Moderator
- Mar 23, 2004
- 47725 posts
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- Markham
No wonder then..GJ.wally_walrus wrote: ↑about 9 years total, but only 3 with this branch
They care about the accounts with lots of money (new or old), then its to the existing one, then new ones, then existing ones with very little money
- LWNTHK
- Jr. Member
- Mar 11, 2009
- 189 posts
- 20 upvotes
- Toronto
[QUOTE=angel_wing0;8420255
They care about the accounts with lots of money (new or old), then its to the existing one, then new ones, then existing ones with very little money [/quote]
I have Mortgage for the last 25 years and I have never renew my mortgage with the same bank because they always offer best mortgage rate to new customers, not the existing one. TD > BMO > TD > BMO and now BNS. I am talking about mortgage only. I hope your bank is not the same.
I am currently using RBC Avion Plantum which they offer me no fee about 10 months ago. Do we really believe they will offer existing VISA Avion Plantum holder the same treatment? They want new business.
They care about the accounts with lots of money (new or old), then its to the existing one, then new ones, then existing ones with very little money [/quote]
I have Mortgage for the last 25 years and I have never renew my mortgage with the same bank because they always offer best mortgage rate to new customers, not the existing one. TD > BMO > TD > BMO and now BNS. I am talking about mortgage only. I hope your bank is not the same.
I am currently using RBC Avion Plantum which they offer me no fee about 10 months ago. Do we really believe they will offer existing VISA Avion Plantum holder the same treatment? They want new business.
- Nefarian
- Newbie
- Nov 27, 2003
- 78 posts
- 3 upvotes
- Vancouver
I agree with Jesus here. Its' a matter of principle: a fee imposed on a method that is needed for a person to build credit is unjust.angel_wing0 wrote: ↑Like i said, "IMO". I am not asking ppl to agree/disagree
We're only paying the fees to subsidize part of the "rewards" the cc companies dangle out there as lures.
- joe1487
- Member
- Apr 23, 2008
- 451 posts
- Edmonton, Alberta
Surely, though, you must want your opinion to be an informed one. Why not pay an annual fee if the card benefits justify it?angel_wing0 wrote: ↑Like i said, "IMO". I am not asking ppl to agree/disagree
- angel_wing0
- Moderator
- Mar 23, 2004
- 47725 posts
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- Markham
That's the thing "IF", and in my case it does not...well or at least not yet.
So when is the no fee version coming?!
- P1x44r
- Sr. Member
- Dec 4, 2007
- 694 posts
- 3 upvotes
- Montreal
Yeah, I'd love to get my greedy hands on the free version!
- thewerd
- Deal Expert
- May 25, 2007
- 28345 posts
- 266 upvotes
I may be on crack, but do they offer an online service where I can check the Visa account information? I see it saying all over about Scotiabank customers can view it on their online profile, but I do not bank with Scotia and I can't seem to find out if it's possible. I tried to activate my only profile with my credit card number, but it just rejects it.
- mtlguyca
- Sr. Member
- Dec 8, 2005
- 786 posts
- 28 upvotes
The only way to do this is to go to a branch, and get your credit card linked to a debit card even if you dont have a checking/saving account, I know its dumb, but that's how they rollthewerd wrote: ↑I may be on crack, but do they offer an online service where I can check the Visa account information? I see it saying all over about Scotiabank customers can view it on their online profile, but I do not bank with Scotia and I can't seem to find out if it's possible. I tried to activate my only profile with my credit card number, but it just rejects it.
- angel_wing0
- Moderator
- Mar 23, 2004
- 47725 posts
- 13890 upvotes
- Markham
a month later, still waiting for no fee version --*angel_wing0 wrote: ↑So when is the no fee version coming?!
- wally_walrus
- Deal Addict
- Oct 19, 2007
- 2310 posts
- 1655 upvotes
- 45.467253°N, 75.5123…
angel_wing0 wrote: ↑a month later, still waiting for no fee version --*
a month later and already collected about $8 in cashback
- T-Bone
- Sr. Member
- Feb 2, 2005
- 976 posts
- 136 upvotes
Was offered the first year with waived fees. Just had to ask at the branch. I've been with Scotia for a little under a year.
Planning a big road trip next month, so the "3-month @ 2% on everything" promo rate will be well used.
Planning a big road trip next month, so the "3-month @ 2% on everything" promo rate will be well used.
- nextstep
- Newbie
- Jun 4, 2009
- 16 posts
- 1 upvote
juat wonder what's recurring bill payments on that visa?
does it include water,eletric,gas,phone bill payments?
does it include water,eletric,gas,phone bill payments?
- shannn
- Deal Fanatic
- Feb 20, 2006
- 7575 posts
- 396 upvotes
- Canada
- Jon Lai
- Deal Expert
- May 30, 2005
- 49009 posts
- 10302 upvotes
- Richmond Hill
Why are people over this card? Just because it's a VISA and not a MASTERCARD?
- hola2005
- Sr. Member
- Jun 29, 2008
- 834 posts
- 26 upvotes
- brunes
- Deal Expert
- Dec 11, 2005
- 20136 posts
- 2963 upvotes
What advantage?
The annual fee and severe limitations compared to cash back Mastercards are a severe DISADVANTAGE IMO.
To be nobody but yourself - in a world which is doing its best, night and day, to make you everybody else - means to fight the hardest battle which any human being can fight; and never stop fighting. -- E. E. Cummings
- shannn
- Deal Fanatic
- Feb 20, 2006
- 7575 posts
- 396 upvotes
- Canada
But if you have enough investments / $$ with Scotia, they are more than happy to waive the annual fee. But it is a PITA and you have to ask them to waive it every year
If you have the willingness/patience to do so, it could be a great card to have for recurring bill payments and pharmacy purchases
I was considering the card, but, when MBNA announced the Smartcash card, there was no point. Maybe in the future though when I have more bills to pay, but for now, MBNA suits my needs
He died for me, I live for him
- hola2005
- Sr. Member
- Jun 29, 2008
- 834 posts
- 26 upvotes
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