More info would be appreciated:EDL67134234 wrote: ↑ DP: PS'd from TD Aeroplan to TD First Class Travel
Spent $1,500.
40,000 points posted before $1500 settled.
20,000 for the first purchase are missing.
Looks like I won't be getting full 60k.
1. I posted it earlier before - I am on second cycle of TD First class->TD Cashback->TD Aeroplan.bizee-bee wrote: ↑ More info would be appreciated:
1) was this tradeline EVER the FCT card in its history, and if so, how long apart was the gap between being older and now current FCT? Was it at least a year since it was PS’d away from being the FCT?
2) did the 40K MSR-bonus post at the first/second statement, or in between statements once the $1500 was nearly ready to be posted/settled?
20K first-purchase bonus used to appear right away after the purchase settled. So unless things have changed then you won’t be getting this unless you call in to get it injected manually by a supervisor. If the PS-rep said you’d get it then you can argue with them using the recorded conversation. Good luck.
40k points posted before my transactions posted. Sorry, I didn't review your earlier post so wasn't aware.EDL67134234 wrote: ↑ 1. I posted it earlier before - I am on second cycle of TD First class->TD Cashback->TD Aeroplan.
I am on my second TD FCT. All PSs done about 7-8 month gap to prevent any manual overrides and people looking into accounts.
So, about just over a year from first FCT.
2. First statement hasn't even generated yet
3. First Rep I spoke with I would get full 60k, second Rep said I would only get 40k + FYF.
Bee, you the man for all your TD PSs. I have read a whole bunch of them.bizee-bee wrote: ↑ Sorry, I didn't review your earlier post so wasn't aware.
Anyways, maybe you missed my earlier posts on this topic of TD PS'ing. My DPs are that you will NOT automatically get the first-purchase bonus on a PS-churn if you don't have at least 1.5year gap in between the product DNA in the tradeline. In my case I PS'd 3 TD tradelines to the FCT when it was FYF/20K first-purchase + 60K MSR-bonus, in Spring 2019. None of them got the 20K FPB, and they were between 1 and 1.5 yrs gap times, likely closer to 2 years. Because, at that same promo period there was a positive DP for the 20K FPB, but the person who reported it didn't give an exact gap time and just said it was around 2 years.
For the TD AVI, the positive PS-churn for the 15K FPB is around 1.5 yrs, and for the CBVI I believe it is just over a year. And by this I mean automatically received the bonus, without having to call in to get it adjusted.
Ok, now I went back to see your earlier post. But your story is inconsistent. You said back then that the FIRST rep said you'd only get the 40K, and the SECOND rep said you'd get the full 60K. But now you say it's the OTHER way around? Anyways, up to you, if you want give them a call. Have the case elevated to a supervisor, don't rely on the first-level rep to resolve it for you without a manager's intervention.
For the MSR-bonus, the first time I opened an FCT card was in Fall 2017, and they posted it for EVERYONE at some random same-date, no matter when the MSR was reached. In the Spring 2019 promo the MSR-bonus posted at the first/next statement after reaching the spend. They may have gone back to the random style of posting the MSR-bonus, as per your datapoint.
Actually, I think that’s a motto from Reddit Land which bled over to here. At RFD, it’s been more a case of “Let’s see what @JerryHung's has been up to.”EDL67134234 wrote: ↑ Bee, you the man for all your TD PSs. I have read a whole bunch of them.
I am used to CS being inconsistent and hearing all kind of stories. I try to live up to the RFD motto of 'Be the DP that you want to see'. Looks like TD only gives out partial sign up bonus for PSs.
I don't want to escalate things further and for them to do any digging. FYF + $200 is good to me...
Until the next PS in the cycle
+45 days between two consecutive applications for the EXACT same card product, else the system triggers a flag.
All applications done online. Perhaps it is 90 days, but the floating DPs in those days mentioned that it was more like 60 days.picklefingers wrote: ↑ I seem to recall that the check stays on your file for 90 days. Did you apply in branch to have it reused? I didn't think that you could reuse without going in person.
OK, thanks. Sounds like 6 months will be enough then.bizee-bee wrote: ↑ +45 days between two consecutive applications for the EXACT same card product, else the system triggers a flag.
CIBC re-used a prior pull within 60 days so I was able to avoid a second credit check.
I followed this timeline when I opened 5 Aerogold for Business Visa cards within 12 months, circa 2016-2017.
If you have cancellations in the mix then there’s a small chance they may re-open the newly closed exact same card product. I was fortunate that they didn’t.
More than enough, if you’re looking at opening 2 different card products. But who can say for sure, with how the FI’s have been reacting during this most unusual pandemic squeeze that we are experiencing.
Yes, different card number. At least for the one I did (Passport VI to Momentum no fee).
Interesting. I’ve never noticed this on my PS’s. I should pay closer attention.
When you say they close and open a new line, would that be considered a credit check? If so, would that not be the same as cancelling and opening the new card manually?
Is there a credit check when doing PS with these other banks? I've only ever done TD PS.
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