Credit Cards

Brim Mastercard - No-Fee Foreign Exchange Card!

  • Last Updated:
  • Dec 13th, 2018 4:50 pm
Tags:
None
Deal Addict
Dec 16, 2005
3872 posts
1644 upvotes
Takashi123 wrote:
Oct 13th, 2018 5:14 am
So far I do love my Brim Card, there needs to be some improvements like google pay and they need to bring down the WE annual fee back to $150 to stay competitive. But I found something a bit concerning in their Cardholder Agreement in Page 16.

"You will not be liable for any unauthorized Transactions or use that occurs after you notify us that your Card has been lost, stolen or used in an unauthorized manner. Your liability for any unauthorized Transactions made on your Account prior to you notifying us that your Card has been lost or stolen will be a maximum of $50."

What happens when the card is not lost and had no idea the information was stolen and suddenly u see a charge in ur account, u will be liability for $50 as oppose to zero liability as pretty much all other cards.
Nice find. So many hidden things with this card. Their website advertises zero liability. Can't believe they have an alternate definition for zero.
Deal Fanatic
User avatar
Aug 29, 2012
5058 posts
2702 upvotes
Takashi123 wrote:
Oct 13th, 2018 5:14 am
So far I do love my Brim Card, there needs to be some improvements like google pay and they need to bring down the WE annual fee back to $150 to stay competitive. But I found something a bit concerning in their Cardholder Agreement in Page 16.

"You will not be liable for any unauthorized Transactions or use that occurs after you notify us that your Card has been lost, stolen or used in an unauthorized manner. Your liability for any unauthorized Transactions made on your Account prior to you notifying us that your Card has been lost or stolen will be a maximum of $50."

What happens when the card is not lost and had no idea the information was stolen and suddenly u see a charge in ur account, u will be liability for $50 as oppose to zero liability as pretty much all other cards.
I think Brim is a total joke, but this in particular is not a ludicrous move of theirs. It is simply copy pasting of provincial law.

I am sure that they will be very incompetent about it, but that they will not hold you responsible for unauthorized charges.
Deal Guru
Jan 7, 2002
14047 posts
6456 upvotes
Waterloo, ON
mech9t5 wrote:
Oct 13th, 2018 6:36 am
Nice find. So many hidden things with this card. Their website advertises zero liability. Can't believe they have an alternate definition for zero.
Yup, $50 ≠ "zero." The zero liability feature is MasterCard's. One wonders what "revolutionary" strategy Brim uses to skirt it and impose that $50 maximum ;)

This explains where the $50 comes from.
Since Brim is a MasterCard, presumably "zero" means $0 despite Brim's "industry veteran" corporate counsel's alternate definition.

Yup, this is further indication that Canada's big-5 banks must be quaking in their boots at the prospect of Brim's impending "credit card revolution."
veni, vidi, Visa [!Brim]
Jr. Member
Apr 19, 2018
134 posts
129 upvotes
Takashi123 wrote:
Oct 13th, 2018 5:14 am
So far I do love my Brim Card, there needs to be some improvements like google pay and they need to bring down the WE annual fee back to $150 to stay competitive. But I found something a bit concerning in their Cardholder Agreement in Page 16.

"You will not be liable for any unauthorized Transactions or use that occurs after you notify us that your Card has been lost, stolen or used in an unauthorized manner. Your liability for any unauthorized Transactions made on your Account prior to you notifying us that your Card has been lost or stolen will be a maximum of $50."

What happens when the card is not lost and had no idea the information was stolen and suddenly u see a charge in ur account, u will be liability for $50 as oppose to zero liability as pretty much all other cards.
The $50 limit has been in all my cardholder agreements over time. In practice, I have never been left holding the bag for unauthorized transactions. The longest delay to report was about a month when I found fraudulent charges on my statement. PC Financial cancelled the card, issued a new one and reversed the charges. They figured that the perpetrators had used computers to generate a valid card number and expiry date and did an over the phone charge that didn't require a PIN. The changes were to a porn site in Switzerland and a luxury hotel in New Zealand, all done on the same day. The New Zealand hotel actually reversed that charge the same day so they must have detected that the charge was fraudulent.
Deal Addict
Sep 29, 2005
4476 posts
582 upvotes
Montreal
My experience with the $50 clause is similar to Enigma's. I believe that exists on all my credit cards. I've had a number of incidents over the years where people somehow passed fraudulent transactions through my various cards. I've never had to pay a penny.
Phils
Deal Guru
Jan 7, 2002
14047 posts
6456 upvotes
Waterloo, ON
Phils wrote:
Oct 13th, 2018 11:16 am
My experience with the $50 clause is similar to Enigma's. I believe that exists on all my credit cards. I've had a number of incidents over the years where people somehow passed fraudulent transactions through my various cards. I've never had to pay a penny.
+1 from me, including both CA$ and US$ credit cards.

I cited the FCAC page primarily to show where the $50 came from. BTW the US has that same $50 maximum (~CA$65.)
veni, vidi, Visa [!Brim]
Jr. Member
Apr 19, 2018
134 posts
129 upvotes
Got both the spousal card and mine this morning (both standard cards). My larger envelope looked a lot like the "free cards" envelope my wife got from a charity so I didn't check it out right away. The actual card has a better appearance than the photos since the pearled finish won't show on photos.

My wife's activation required an answer to the "secret question. Didn't work. Phoned customer service (picked up almost immediately) and we're asked if the spouse got the e-mail to see the secret question. None received so they promised to send another e-mail once the address had been verified.They called around 3:23 pm to say another e-mail with activation instructions had been sent, but a quick check with my wife showed nothing in her inbox, junk folder or deleted folder. Phoned them back around 4 pm to verify details (they were correct) and they promised to re-send the e-mail. All calls to the call centre were answered promptly, politely and requests fulfilled quickly. Very professional on that side.

Very quick process to activate my card. Didn't realize I could set a card limit for spousal cards or other cards on my account. Nice feature. Checked out the travel notice section and already entered my upcoming trip. Finally got to see my credit limit, right on $10K which is twice what I had with Chase and a little more than with Home Trust VISA. Now I have two FOREX fee free cards - great for travel since a backup FOREX fee free card is now available.

Everything on their website worked well, but still no conversion rate. Checked out the BRIM marketplace. Don't recognize too many business names, but it may be that it's because I don't live in the big city. I'll keep checking though.

Boingo got a little more complicated. I tend to use randomly generated 20 character passwords but couldn't log in to the account even though I could log in to the hot spot connection site. Quite often, the length of the password is the issue. I knocked it down to 12 characters and it worked just fine all across Boingo.

Not much Boingo presence in Canada. Only one local hot spot in the Waterloo region of Ontario, a FEDEX shop near Wilfrid Laurier University. Looks like there are lots of hot spots in eastern US so I might be able to take advantage on my upcoming trip.

Final timeline:
Application - April 8th
Request for bill - April 10th
Approval e-mail - October 4th
Received cards - October 15th
Newbie
Sep 5, 2017
59 posts
14 upvotes
i got my card today too... im trying to make a boingo account though, im ending up in a tab loop though. i type in the card number for eligability then end up on boingos regular website... so i go into consumers and scroll the more plans, scroll down to mastercard holder account... click on the get started and then it opens a new tab wanting me to type my number in for eligability... anyone else have this issue??
Jr. Member
Apr 19, 2018
134 posts
129 upvotes
pawprints86 wrote:
Oct 15th, 2018 11:42 pm
i got my card today too... im trying to make a boingo account though, im ending up in a tab loop though. i type in the card number for eligability then end up on boingos regular website... so i go into consumers and scroll the more plans, scroll down to mastercard holder account... click on the get started and then it opens a new tab wanting me to type my number in for eligability... anyone else have this issue??
I had similar issues. Tabs would open and close during registration. I persisted. Eventually, I was able to register. Once I got past registration, there wasn't any problem with tabs opening and closing.
Deal Addict
Sep 29, 2005
4476 posts
582 upvotes
Montreal
The app was updated from the play store this morning.
I opened it and it crashed the first time I tried.
It worked the second time.
Phils
Jr. Member
Apr 19, 2018
134 posts
129 upvotes
Phils wrote:
Oct 16th, 2018 6:30 am
The app was updated from the play store this morning.
I opened it and it crashed the first time I tried.
It worked the second time.
I presume you are writing about the Boingo app because the BRIM app isn't in the Play Store yet.
Deal Addict
Sep 29, 2005
4476 posts
582 upvotes
Montreal
Nope, it's the Brim app.
Since it's already installed on my phone, I received a notification of an update.
I did the update and, like I said, it crashed the first time I started it up but worked ok after that.

I also used some cash back this morning. It was a bit confusing for me because it tells you how many points you have but it expects you to enter dollars.

I had 1,470 points but it wouldn't accept it. However, it finally accepted $14.
Phils
Member
Oct 15, 2009
371 posts
101 upvotes
Anyone having issues with the app on iOS? it won't load for me anymore. just stuck at the brim splash page. I saw earlier there was a post on clearing the cache on android, but not sure if that's an option on ios.
Deal Addict
User avatar
Mar 29, 2002
4422 posts
903 upvotes
Vancouver
tmlfan3 wrote:
Oct 16th, 2018 11:10 am
Anyone having issues with the app on iOS? it won't load for me anymore. just stuck at the brim splash page. I saw earlier there was a post on clearing the cache on android, but not sure if that's an option on ios.
its happening to me as well; just hangs at the splash screen
Deal Addict
User avatar
Dec 3, 2017
1179 posts
768 upvotes
Guelph, ON
It seems like Simplii is launching a credit card very soon. I wonder how long it will take them to send out the plastic in comparison to Brim.
I like credit unions. Proud DUCA member!

Top