[Simplii Financial] Boxing Week offer: 0.5% bonus cash back with your Simplii credit card

I have this card. I hate that it holds users responsible for all purchases made if the card was stolen when the thief used the pin to make purchases

wow... 0.5% bonus for 5 days!!! better hope they post the transactions quickly then!!! lol

Bigboy16 wrote: ↑ I have this card. I hate that it holds users responsible for all purchases made if the card was stolen when the thief used the pin to make purchases

wow. they really stick it to you don't they...

just put the card on Google Pay / cut physical card and ensure your phone is locked to your fingerprint only..

Got the offer, want us to spend, haha~ Will certainly do that

If they had the "bonus" 100% of the time, I'd actually apply for this card.

Bigboy16 wrote: ↑ I have this card. I hate that it holds users responsible for all purchases made if the card was stolen when the thief used the pin to make purchases

Isn't this standard for all credit cards? There's no liability for tap purchases on a stolen card. But a PIN is supposed to be your responsibility to keep secret.

stizarch wrote: ↑ If they had the "bonus" 100% of the time, I'd actually apply for this card.

Besides meals, even with the bonus, there are other no fee cards that match it: Rogers at1.50%, Tangerine at 2% of gas/groceries

angel_wing0 wrote: ↑ Besides meals, even with the bonus, there are other no fee cards that match it: Rogers at1.50%, Tangerine at 2% of gas/groceries

Those are exactly the two cards that I use . I don't eat out enough to justify the Simplii card with the regular rewards.

Dave98 wrote: ↑ Isn't this standard for all credit cards? There's no liability for tap purchases on a stolen card. But a PIN is supposed to be your responsibility to keep secret.

Not really. Thief installs a skimmer and a camera on atm and steals your card with the pin too. Sure it is suspicious if they use your card at the same LCBO where you shop, but if it’s hundreds or thousands miles away then what?

Hercaz wrote: ↑ Not really. Thief installs a skimmer and a camera on atm and steals your card with the pin too. Sure it is suspicious if they use your card at the same LCBO where you shop, but if it’s hundreds or thousands miles away then what?

I believe it depends on the situation and whether the PIN being divulged was out of your control within reason. Yes, your situation would likely be deemed to not be your fault.

However, if you kept your PIN written on a piece of paper in your wallet along with the credit card then that's a different story. So yeah.. I guess it depends.

muffin4life wrote: ↑ wow... 0.5% bonus for 5 days!!! better hope they post the transactions quickly then!!! lol

Pretty sure it goes by transaction date, so as long as the transaction is within the promo range, it doesnt matter when the posting date is.

Might be a good time to load up on buying GC inside restaurants...well if the 0.50% is worth it i guess.

Bigboy16 wrote: ↑ I have this card. I hate that it holds users responsible for all purchases made if the card was stolen when the thief used the pin to make purchases

This is standard practice for all credit/debit cards my friend.

1% be hot imo...

Dave98 wrote: ↑ I believe it depends on the situation and whether the PIN being divulged was out of your control within reason. Yes, your situation would likely be deemed to not be your fault.

However, if you kept your PIN written on a piece of paper in your wallet along with the credit card then that's a different story. So yeah.. I guess it depends.

coffeebreak3 wrote: ↑ This is standard practice for all credit/debit cards my friend.

Actually with most credit cards i've had, the policy is that if you took reasonable measures to protect your pin, but somehow a person got hold of your card+pin, you would not be held responsible. But this card explicitly states that if someone does make a purchase on your card via pin, you are held responsible regardless (even if they used a skimmer or something). Most credit card policies will hold you liable if you had your pin written on the credit card or something super dumb like your date of birth as a pin. But this card will hold users responsible regardless of the situation.

Got the bonus cashback today, a grand total of $0.21! Woo-hoo! xD