Credit Cards

My CIBC Aeroplan Credit Card Application Adventure

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  • Dec 9th, 2020 3:20 pm
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[OP]
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Jan 16, 2007
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My CIBC Aeroplan Credit Card Application Adventure

I've been posting this in the Aeroplan thread, but didn't want to continue cluttering it. As well this is just a bizarre story so I wanted to share it.

I applied for the CIBC Aeroplan Visa Infinite Privilege on November 21st. For me I favor Aeroplan and Air Canada for my travel, and the CIBC card is superior for me over the Amex Reserve card I have. Upon applying I received an email with the subject "Thanks for your application." and contents of "Thanks for your interest in the:


Based on the information available to us, we are unable to continue your credit card application at this time. To meet with us about your CIBC credit card needs or other banking services, you can visit a CIBC Banking Centre by selecting "Book a meeting" and we'll be happy to help you. Please be aware, some of our banking centres are temporarily closed. Check online for hours of operation."

I should have known this was a bad sign since the card type field was empty. I also confirmed that a credit pull was done. Some time later I decided to call up and inquire about it, to which I was met with a "we don't see any application". They tried using the given reference number, my name, my email, everything. Couldn't be found. I thought "huh that's weird" and reached out on social to see if they could get any further information. I got more of the same until today,

"Our partners have advised that the reference number you were given was for a Simplii application to which they were unable to find an attached application."

So somehow either the email pulled an unrelated reference number, or the process somehow jumped over to Simplii and then the application got dropped because there ain't no Aeroplan over there. Absolutely bizarre.

Fine - now I'm in this just to see what sort of mess this is. I call up this evening to apply over the phone and get part way through the process with an individual until the call drops. I call back and the person informs me that they aren't doing Aeroplan applications over the phone and that they have no idea what the first person was actually doing. I... just can't even.

Maybe one day I'll find my way to a banking centre to apply, whilst ignoring sales attempts.

Am I just good at breaking financial processes and institutions, or is this just CIBC?
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)
10 replies
Newbie
Oct 7, 2020
84 posts
68 upvotes
I have had multiple problems with CIBC, even though I went to the branch to apply (hoping that would save me a hard pull). I now have 2 hard pulls and 1 CC with a $500 limit (due to an excess of available credit, apparently).

My conclusions from this are that CIBC's systems are really poor or were just having a bad day, their in-branch reps don't know how their credit application system works, and they are really tight with credit at the moment.

YMMV, of course. I have been considering seeing if TD gave me a different response, but haven't bothered yet as I got instantly approved for an Amex Aeroplan Reserve,and that meets my needs for now.
Member
Jan 14, 2017
397 posts
294 upvotes
joshnet wrote: I've been posting this in the Aeroplan thread, but didn't want to continue cluttering it. As well this is just a bizarre story so I wanted to share it.

I applied for the CIBC Aeroplan Visa Infinite Privilege on November 21st. For me I favor Aeroplan and Air Canada for my travel, and the CIBC card is superior for me over the Amex Reserve card I have. Upon applying I received an email with the subject "Thanks for your application." and contents of "Thanks for your interest in the:


Based on the information available to us, we are unable to continue your credit card application at this time. To meet with us about your CIBC credit card needs or other banking services, you can visit a CIBC Banking Centre by selecting "Book a meeting" and we'll be happy to help you. Please be aware, some of our banking centres are temporarily closed. Check online for hours of operation."

I should have known this was a bad sign since the card type field was empty. I also confirmed that a credit pull was done. Some time later I decided to call up and inquire about it, to which I was met with a "we don't see any application". They tried using the given reference number, my name, my email, everything. Couldn't be found. I thought "huh that's weird" and reached out on social to see if they could get any further information. I got more of the same until today,

"Our partners have advised that the reference number you were given was for a Simplii application to which they were unable to find an attached application."

So somehow either the email pulled an unrelated reference number, or the process somehow jumped over to Simplii and then the application got dropped because there ain't no Aeroplan over there. Absolutely bizarre.

Fine - now I'm in this just to see what sort of mess this is. I call up this evening to apply over the phone and get part way through the process with an individual until the call drops. I call back and the person informs me that they aren't doing Aeroplan applications over the phone and that they have no idea what the first person was actually doing. I... just can't even.

Maybe one day I'll find my way to a banking centre to apply, whilst ignoring sales attempts.

Am I just good at breaking financial processes and institutions, or is this just CIBC?
I reported this issue somewhere in another thread. If you don't have any products with CIBC or you have an older account with them, you need to go to the branch and ask them to add your ID to the system. There is no way around this process. When they confirm and add your ID to the system, ask them to help you or call again and speak with the supervisor, they have enough authority to move things along. Good luck!
[OP]
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Jan 16, 2007
1301 posts
1444 upvotes
I have an existing relationship with TD, but don't meet the minimum for the Privilege card with them or I'd go with them over CIBC. Maybe they'll eventually gain a personal income minimum like CIBC.
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)
[OP]
Deal Addict
User avatar
Jan 16, 2007
1301 posts
1444 upvotes
Vasyllaw wrote: I reported this issue somewhere in another thread. If you don't have any products with CIBC or you have an older account with them, you need to go to the branch and ask them to add your ID to the system. There is no way around this process. When they confirm and add your ID to the system, ask them to help you or call again and speak with the supervisor, they have enough authority to move things along. Good luck!
They really should disclose this or ask it as a question in the online application. Oy.
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)
Newbie
Feb 27, 2016
26 posts
3 upvotes
I had the same situation before. They aren't able to locate my application. You will need to get transferred to new credit app department and they will be able to see it there. But even that, they took 10 minutes to look into my missing application.
[OP]
Deal Addict
User avatar
Jan 16, 2007
1301 posts
1444 upvotes
Tried that too. Still nada.
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)
Newbie
Feb 11, 2018
8 posts
3 upvotes
DP FWIW I had the CIBC visa infinite until last August when I cancelled due to no travel plans. A week or so ago I noticed that they had a no AF card that gave 10K AP points on first
purchase so I decided to give it a try. Went online and was approved right away but didn't hear any more until a couple of days ago when I got an email saying that
I was approved with 5K limit. Took them a week to process the application. Must be really busy. :)
Sr. Member
Jul 1, 2006
716 posts
516 upvotes
jmar6370 wrote: DP FWIW I had the CIBC visa infinite until last August when I cancelled due to no travel plans. A week or so ago I noticed that they had a no AF card that gave 10K AP points on first
purchase so I decided to give it a try. Went online and was approved right away but didn't hear any more until a couple of days ago when I got an email saying that
I was approved with 5K limit. Took them a week to process the application. Must be really busy. :)
I've been considering applying for that free AP card just to keep my points alive without having to worry about earning more AP points in the meantime. And the 10K point bonus is just, well, a bonus. ;)
Newbie
Oct 7, 2020
84 posts
68 upvotes
For anyone struggling with CIBC, I just want to pass on that I have just completed a 180 deg. different experience with TD. I was called and told I had a pre-approval for a limit of 9.5k (compared to the measly $500 the CIBC gave me), and completed the application in a single, quite pleasant, 30 min. call. There is no hard pull (vs. 2 from CIBC, even though I went in branch to avoid that), and I was sent the confirmation of account opening 5 min. after I got off the phone).

It no doubt helped that I have a history with TD and was new to CIBC, but you would think CIBC would work extra hard to hook new customers in a competitive banking environment.

As an aside, it would appear that pre-approvals are a thing again. Many happy returns!
[OP]
Deal Addict
User avatar
Jan 16, 2007
1301 posts
1444 upvotes
I joked with someone about that, it felt like CIBC was actively trying not to get my business and drive me away.
🏦 Banking: Alterna Bank (1.1%, No fees), Motive Financial (1.25%, No fees)
📈 Investing: Scotia iTRADE (XGRO, No fees)
💳 Spending: Scotia Amex Gold (5pts dine/3pts drive, forex), Amex SCP (2%, rest), Brim World Mastercard (1.5%, non-Amex spend)

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