Share your stories about trying to open a personal loan or ULOC with a bank you don't have a relationship with.
My CIBC story: I'm having rough time opening an unsecured credit line. I have no previous credit dealing with them and this is the only reason I'm being given on the phone for the decline is: "Internal score with CIBC is too low". I am appealing their decision with a level 2 or whatever they call it. If it's still being decline, I'll go to their branch to give them one last chance to get some of my business.
EDIT: Approved for 5K. I will go to the branch to see if they can give me a higher limit when I open a bank account and a credit care account with them. I will update later.
CIBC Dividend Platinum Visa: 3% food, 3% gas, 2% transit, 2% restaurants, 2% recurring bills
Tangerine World MC: 2% drugstore, 2% home improvement, 2% hotel-motel
MBNA Amazon.ca Rewards MC: 2,5% on Amazon.ca purchases