self employed i guess?seagull1987 wrote: ↑ Same score, had to provide proof of income AND submit my 2016 and 2015 tax assessment...
Scotiabank
Scotiabank Gold AMEX $300 travel welcome bonus. First Year Fee Waived!
- SCORE
- Reason
Score breakdown ×
- Upvote
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0%
- Not a good price
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0%
- Bad product/service
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0%
- Poor merchant reputation
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0%
- Unable to get the deal
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0%
- Other (downvote)
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0%
- johhny348395
- Newbie
- Nov 10, 2014
- 70 posts
- 21 upvotes
- Westmount, QC
- patpond
- Deal Addict
- Mar 18, 2009
- 1458 posts
- 286 upvotes
- Renous
I'm in the same boat as you guys. Got the card in May - 3 billing cycles have passed, and I had the spend by the second. I'm thinking by Oct. bill at the latest.DanielM491 wrote: ↑ Same here. Got three cards between the wife and I. All exceeded the $750 in the first month.
The fine print suggests cycle 4 or 5
Bummer if it takes that long. I was planning on using these for a trip in early Oct. Oh well, just have to plan a second trip I guess. Thanks Scotiabank for a good reason for another vacation!
Reserved for future time travellers
- EdisonL299
- Deal Fanatic
- Apr 24, 2017
- 7312 posts
- 6264 upvotes
Is anyone here planning to keep the card for daily use?
🤑 Amex Cobalt | MBNA RWE | Rogers MC
⛱️ Amex Platinum | Amex Bonvoy Brilliant
⛱️ Amex Platinum | Amex Bonvoy Brilliant
- seagull1987
- Deal Addict
- Nov 30, 2016
- 1375 posts
- 1868 upvotes
- Grande Prairie, AB
No, I do work on commission though.johhny348395 wrote: ↑ self employed i guess?
- ace604
- Deal Guru
- Aug 8, 2012
- 10198 posts
- 4028 upvotes
- BC
You can retroactively redeem the points towards any travel charges made on the card from the past 12 months.patpond wrote: ↑ I'm in the same boat as you guys. Got the card in May - 3 billing cycles have passed, and I had the spend by the second. I'm thinking by Oct. bill at the latest.
Bummer if it takes that long. I was planning on using these for a trip in early Oct. Oh well, just have to plan a second trip I guess. Thanks Scotiabank for a good reason for another vacation!
POLL: How frequent is your RRSP-matching?
Plastiq: Pay any bill with credit card for 0-2.5% fee (help meet min spending and keep old cards active!)
Rewards program transfer times (e.g. SPG->Aeroplan, Marriott->SPG, Amex MR->SPG...)
Plastiq: Pay any bill with credit card for 0-2.5% fee (help meet min spending and keep old cards active!)
Rewards program transfer times (e.g. SPG->Aeroplan, Marriott->SPG, Amex MR->SPG...)
- EmmEmm
- Sr. Member
- Jun 10, 2016
- 641 posts
- 585 upvotes
- Whitby
- DanielM491
- Deal Addict
- Sep 15, 2015
- 1298 posts
- 1417 upvotes
- Abbotsford
You get real money credited to your card.
- ace604
- Deal Guru
- Aug 8, 2012
- 10198 posts
- 4028 upvotes
- BC
Exactly this.DanielM491 wrote: ↑ You get real money credited to your card.
Charge $750 travel day 1. Pay that bill with "real money"
Get $350 "real money" as a travel credit day 150 towards the day 1 charge as a statement credit towards charges you made in month 5.
Pretty easy to spend $350 just on the 4x categories I find.
So basically you save $350 on your bill in month 6. Why wait even longer for another trip to redeem the points?! That's where I'd say "but what's the point?"
Take the $350 in month 6, not in month 8 or 10 or whenever the next travel charge is.
POLL: How frequent is your RRSP-matching?
Plastiq: Pay any bill with credit card for 0-2.5% fee (help meet min spending and keep old cards active!)
Rewards program transfer times (e.g. SPG->Aeroplan, Marriott->SPG, Amex MR->SPG...)
Plastiq: Pay any bill with credit card for 0-2.5% fee (help meet min spending and keep old cards active!)
Rewards program transfer times (e.g. SPG->Aeroplan, Marriott->SPG, Amex MR->SPG...)
- TravelStarr
- Deal Guru
- Sep 6, 2002
- 11547 posts
- 5376 upvotes
- Moving target
If you spend money at restaurants or bars I'm really surprised at how many places are coded for 4% rebate. This may be the only card I actually pay the annual fee for. I don't think any other card offers rebates on restaurants.EdisonL299 wrote: ↑Is anyone here planning to keep the card for daily use?
Autocorrect sucks
- hermit1988
- Sr. Member
- Mar 6, 2010
- 757 posts
- 124 upvotes
Costco master card offers 3% for dining with no fee for member.
- EdisonL299
- Deal Fanatic
- Apr 24, 2017
- 7312 posts
- 6264 upvotes
I can say 99% restaurants are coded for 4% cash back. The problem is if the restaurant takes Amex. IMO this card is great for grocery, gas, restaurants and entertainment (movies, concerts, sports, ticketmaster ONLY).
🤑 Amex Cobalt | MBNA RWE | Rogers MC
⛱️ Amex Platinum | Amex Bonvoy Brilliant
⛱️ Amex Platinum | Amex Bonvoy Brilliant
- toaster5
- Member
- Mar 6, 2013
- 372 posts
- 157 upvotes
Why doesn't Amex lower it's percentage to be universally accepted? I've ordered food and went to pay with my AMEX and when told it wasn't accepted, said then I won't purchase anything (the food was already in my car, gave it back and left the drive through). If retailers realize they are loosing out on people then they will hopefully add Amex? You would think Scotiabank being behind AMEX now, it would be more accepted.
- Guest033746887
- Deal Expert
- Jun 26, 2011
- 15096 posts
- 5413 upvotes
- GTA
I see your point but that's a dick move to do that to a restaurant unless they told you they accepted AMEX prior to ordering.toaster5 wrote: ↑ Why doesn't Amex lower it's percentage to be universally accepted? I've ordered food and went to pay with my AMEX and when told it wasn't accepted, said then I won't purchase anything (the food was already in my car, gave it back and left the drive through). If retailers realize they are loosing out on people then they will hopefully add Amex? You would think Scotiabank being behind AMEX now, it would be more accepted.
- pitabread
- Deal Addict
- Nov 20, 2005
- 1488 posts
- 636 upvotes
Amex charges higher transaction fees, that's why the majority of places don't take it.toaster5 wrote: ↑ Why doesn't Amex lower it's percentage to be universally accepted? I've ordered food and went to pay with my AMEX and when told it wasn't accepted, said then I won't purchase anything (the food was already in my car, gave it back and left the drive through). If retailers realize they are loosing out on people then they will hopefully add Amex? You would think Scotiabank being behind AMEX now, it would be more accepted.
edit: misread
- Chaselap
- Member
- Aug 8, 2016
- 480 posts
- 78 upvotes
Shoppers doesn't count as one of the places for 4x the points??
- dadashjoun
- Jr. Member
- May 1, 2014
- 151 posts
- 120 upvotes
- Kanata, ON
I applied and was requested to send them proof of income and when I sent I got rejected! I am a student and my salary is 30K for RA/TA and have 6-7 credit cards including two Amex. I was never rejected for any credit card before!
- canuckcolehead
- Deal Fanatic
- Oct 23, 2006
- 5313 posts
- 2518 upvotes
- Winnipeg
- Diggingupbones
- Member
- Jan 5, 2016
- 403 posts
- 257 upvotes
- Edmonton, AB
Shoppers DRUG mart is categorized under DRUG stores. I know shocker right.
RFD tip: Use the PC Financial World Elite to get 3% back at SDM for no annual fee.
RFD tip: Use the PC Financial World Elite to get 3% back at SDM for no annual fee.
Last edited by Diggingupbones on Aug 22nd, 2017 7:38 pm, edited 2 times in total.
- ahmeddotdoha
- Member
- Oct 12, 2015
- 428 posts
- 264 upvotes
- Toronto, ON
Just applied through GCR and got rejected with the following message:
Your Application Details
Product: Scotiabank Gold American Express Card
thank you for applying for a Scotiabank credit card.
After reviewing your application, we regret that we are unable to issue this credit card to you as your application does not meet our criteria at this time.
If you have any additional information or questions about your application, please contact us at 1-800-909-6667.
Now what to do, please need some advice. Thanks in advance.
Your Application Details
Product: Scotiabank Gold American Express Card
thank you for applying for a Scotiabank credit card.
After reviewing your application, we regret that we are unable to issue this credit card to you as your application does not meet our criteria at this time.
If you have any additional information or questions about your application, please contact us at 1-800-909-6667.
Now what to do, please need some advice. Thanks in advance.
- iwuzhere
- Newbie
- Jul 8, 2017
- 86 posts
- 60 upvotes
Some people have reported that Scotiabank rejected their application without even doing a credit check. Some people had to enter their monthly expenses as 0. Even using your web browser in incognito mode could cause problems. The best way to find out why they rejected your application is to call them and ask.ahmeddotdoha wrote: ↑ Just applied through GCR and got rejected with the following message:
Your Application Details
Product: Scotiabank Gold American Express Card
thank you for applying for a Scotiabank credit card.
After reviewing your application, we regret that we are unable to issue this credit card to you as your application does not meet our criteria at this time.
If you have any additional information or questions about your application, please contact us at 1-800-909-6667.
Now what to do, please need some advice. Thanks in advance.
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