My 2nd statement came, still with #0 for Aeroplan #
but the bonus 10K after spending $1000 is there
so, where is my 25K miles going then, gee...... have to call TD today then
Mar 18th, 2015 8:42 am
Mar 18th, 2015 9:33 am
Mar 18th, 2015 2:41 pm
I have a score of 877 atm, just applied for the AMEX Airmiles however this isn't shown on my Equifax report... not sure if my score got affected. I plan to cancel this in 8 months time, will it do damage?bizee-bee wrote: ↑If your credit score is a concern for you in seeking credit for a mortgage/loan in the short term future, then it could potentially be a big problem for you if things go sour. As Jerry says...don't go overboard, monitor your score, and be responsible. Else, be prepared to mend your credit rating/profile.
Mar 18th, 2015 2:43 pm
AMEX doesn't report right away, it'll show up eventually
Mar 18th, 2015 3:01 pm
That's because Amex pulls from TU normally, not Equifax.
Mar 18th, 2015 11:31 pm
Mar 19th, 2015 7:30 am
I already have a basic account with Marriott but not through credit card. If I apply with the 50K pts link, do I get 50K or 30K? I constantly received email promotion for 30K pts though but never actedjerryhung wrote: ↑This link still works (and this is the one I applied in Jan and got 50K points)
http://www.marriottrewards.com/cdnelitedm (redirects to here: https://lp12.marriottpremier.ca/?JOBNUM=VMR1207059)
Mar 19th, 2015 7:59 am
As long as you apply through one of the 50,000 links here (eg http://www.marriottrewards.com/cdnelitedm), and NOT through the 30,000 link from your (or anyone else's) email or marriott.com promo page, you will get 50K. It does not MATTER a lick that you see 30K promos offered to you via email or at marriott.com, or if you are currently a new basic or Silver member, just use a 50K link to get the right promo.
Mar 19th, 2015 4:52 pm
Mar 19th, 2015 4:53 pm
Mar 19th, 2015 6:17 pm
First Class is okay. It only amounts to 1.5% back.. but good if you travel a lot with cash and book with Expedia. It's just unfortunate that in the past year, Capital One canned two of the very best cards on the market (Aspire Cash and Aspire Travel World). The prior gave you 1.5% cash back, no strings attached, for free, and threw in a whole wad of insurances. AMEX Gold is junk if you're using it for travel cash redemption because of the high annual fee, there's no way you can make significantly more than the annual fee with such little annual spend. Your best bet is to convert to AP or Avios. Don't completely discount frequent flyer programs though. If you're smart with AP/Avios conversions and can get most of your points through sign-up bonuses or referrals, it's well worth it. Miles redemption is worth it for certain routes, you just need to know how to avoid taxes (don't fly on Air Canada with Aeroplan, for example) and usually a very good value for first and business class flights. For example, at the moment, it's only 50k Avios + ~$150 to fly direct from YVR-JFK in business class... these are $2000+ tickets! You can also choose stop-overs through Aeroplan to maximize travel, eg. YVR-YYZ-JFK-YVR for the same amount of points as just YVR-JFK. Being smart is tough and time consuming though so after I've burned through all of these points, I'm just going to stick with my cash back card. Find a deal on RFD and redeem with cash back- you'll get the most freedom that way. Stick with First Class if the discount is significant (why isn't it free for you?) and wait for a good card to come into the market or wait until your spend increases to over $20k and get something like the MBNA 2% cash back card for $80/year. Good luck though.. with the new regulations and caps on merchant fees, it's going to be tough to get a better product in the future.kneadler wrote: ↑Need some advice y'all! TD employee so all CC's are 50% off. I got the TD aeroplan infinite so got 10k aeroplan points... but then I realised how useless aeroplan is and transferred it to a first class. Also got an Amex gold. I spend about 12-15k a year (still a student) but I want to maximise my rewards because I'm eligible for these cards.
Mar 19th, 2015 7:19 pm
Mar 19th, 2015 8:03 pm
So, you're a TD employee, but also a student. Does this make you exempt from credit checks/hits and damage to your credit file/score/profile? If yes, go for as many cards as you can afford to get. Else, you'd better devise a strategy on which cards you should focus on, before you jump in to the churn game. Because tbh, your approach seems a bit too aggressive for me to recommend to my young-adult friends/family.
Mar 19th, 2015 8:23 pm
Mar 19th, 2015 8:47 pm
Mar 19th, 2015 9:51 pm
Mar 19th, 2015 10:23 pm
Mar 19th, 2015 10:28 pm
You should take them up on those offers even if you end up cancelling the cards within a year. If you're looking to churn some other cards as well, check out the Amex Gold Rewards and Gold Business, MBNA Alaska Air, and BMO World Elite to name a few.mkl38s wrote: ↑We too plan to go vacation this summer and I am contemplating on get the Marriott card but then I am not sure if their hotels we will be staying. I already have the TD 1st class travel infinite, is there a better travel card that I should get? My score is > 800 and I am not planning to borrow anytime soon so credit check is not an issue. Last year I got offered from TD Aeroplan with 2-for-1 certificate + 25K pts and FYF but I didn't take it. I also got RBC Avion 25K + 25K and FYF and I too did not go for it. I kind of regret and wish they offer me again before we go on our trip this summer
Mar 19th, 2015 10:30 pm
"RBC Avion 25K + 25K and FYF" How did you get 25k + 25k? I have a lot of business with RBC and they have never offered me 25k + 25k.mkl38s wrote: ↑We too plan to go vacation this summer and I am contemplating on get the Marriott card but then I am not sure if their hotels we will be staying. I already have the TD 1st class travel infinite, is there a better travel card that I should get? My score is > 800 and I am not planning to borrow anytime soon so credit check is not an issue. Last year I got offered from TD Aeroplan with 2-for-1 certificate + 25K pts and FYF but I didn't take it. I also got RBC Avion 25K + 25K and FYF and I too did not go for it. I kind of regret and wish they offer me again before we go on our trip this summer
Mar 19th, 2015 10:38 pm
jerryhung wrote: ↑I simply recommend people WITH GOOD CREDIT SCORE to apply away for future potential travel plans
There is NO one card that fits all needs
I personally diversify (except SPG) among MANY programs for this exact purpose.
Airlines - Aeroplan, AMEX MR, BA Avios
Hotels - Marriott, Club Carlson
Flexible CC credit - TD 1st class, Cap1 Aspire, AMEX MR
It's almost too late/stressful to only do it before the trip, because you may never know what offers are running