Supplementary card for person outside Canada
Has anyone tried this before? Thoughts?
Supplementary card for person outside Canada
- Last Updated:
- Mar 31st, 2018 11:15 am
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- SCORE
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
16 replies
- martydxb
- Deal Addict
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- Apr 2, 2010
- 3445 posts
- 3467 upvotes
- GTA
It should be fine. In theory this is just a supplementary card for someone who is perpetually travelling (as in perpetually has a travel notification). Have 2+ cards from different providers just to be sure it does not decline.
- CanadianSpruce
- Deal Addict
- Feb 17, 2017
- 1375 posts
- 1203 upvotes
It should be fine but just bare in mind any insurance on the card may not be valid (Many such as RBCs insurance say you have to be a resident of Canada).
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
cool. thanks guys! will try it out.
- sonjeffnguyen
- Jr. Member
- Nov 20, 2011
- 109 posts
- 91 upvotes
Stop trying to exploit things and ruin it for everybody else. Though I'll be surprise if they won't flag your "permanently foreign" users' transaction as fraud. Seriously, just stop it.
- CanadianSpruce
- Deal Addict
- Feb 17, 2017
- 1375 posts
- 1203 upvotes
There’s nothing wrong with doing it. In fact AmEx will even let you have a foreign billing address on authorized users cards.sonjeffnguyen wrote: ↑ Stop trying to exploit things and ruin it for everybody else. Though I'll be surprise if they won't flag your "permanently foreign" users' transaction as fraud. Seriously, just stop it.
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
read the title. "supplementary card". means that the primary account holder is still in canada while the supplementary card holder is from another country. can you provide references to prove that its an "exploit" act or "fraud"? why would it "ruin for everybody else"? before you declare it "exploit" try to provide real arguments, not just telling anyone to "stop".sonjeffnguyen wrote: ↑ Stop trying to exploit things and ruin it for everybody else. Though I'll be surprise if they won't flag your "permanently foreign" users' transaction as fraud. Seriously, just stop it.
- sonjeffnguyen
- Jr. Member
- Nov 20, 2011
- 109 posts
- 91 upvotes
The program is intended for a Canadian resident to use when traveling, not for somebody who lives overseas permanently to get points. So you are planning to exploit it.
I'm saying they will flag your constant purchase overseas as "fraud", the act of doing that while an exploit might not be fraudulent.
Not sure why you would quote Amex. They don't have a bonus fx fee card. Buddy right here is planning to exploit the Rogers card to milk .5% bonus. Imagine if every single card owners get somebody who lives overseas to do the same thing. They would can this program or devalue it further. Yes, you would ruin it for everybody else.
Don't do dumb things and get up in arms about it when people call you out.
I'm saying they will flag your constant purchase overseas as "fraud", the act of doing that while an exploit might not be fraudulent.
Not sure why you would quote Amex. They don't have a bonus fx fee card. Buddy right here is planning to exploit the Rogers card to milk .5% bonus. Imagine if every single card owners get somebody who lives overseas to do the same thing. They would can this program or devalue it further. Yes, you would ruin it for everybody else.
Don't do dumb things and get up in arms about it when people call you out.
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
that's why i'm gathering info from fellow RFD'ers right? to see if they have done it before. and nowhere in my post that I mentioned anything about Rogers card.sonjeffnguyen wrote: ↑ The program is intended for a Canadian resident to use when traveling, not for somebody who lives overseas permanently to get points. So you are planning to exploit it.
I'm saying they will flag your constant purchase overseas as "fraud", the act of doing that while an exploit might not be fraudulent.
Not sure why you would quote Amex. They don't have a bonus fx fee card. Buddy right here is planning to exploit the Rogers card to milk .5% bonus. Imagine if every single card owners get somebody who lives overseas to do the same thing. They would can this program or devalue it further. Yes, you would ruin it for everybody else.
Don't do dumb things and get up in arms about it when people call you out.
the dumb thing that you are doing right now is being an assuming person and placing words on other people's mouth from your imaginative assumptions.
- CanadianSpruce
- Deal Addict
- Feb 17, 2017
- 1375 posts
- 1203 upvotes
I don't think you realise how much interchange issuers make on foreign transactions, in many countries it's well over 2% (especially on premium cards) and pretty much more on every transaction than they'd get on a domestic transaction. (Even in Europe where intra domestic cards are capped at 0.3%, non EU cards are 1.8%+). The issuer will be more than happy to have continued foreign use on their cards.sonjeffnguyen wrote: ↑ The program is intended for a Canadian resident to use when traveling, not for somebody who lives overseas permanently to get points. So you are planning to exploit it.
I'm saying they will flag your constant purchase overseas as "fraud", the act of doing that while an exploit might not be fraudulent.
Not sure why you would quote Amex. They don't have a bonus fx fee card. Buddy right here is planning to exploit the Rogers card to milk .5% bonus. Imagine if every single card owners get somebody who lives overseas to do the same thing. They would can this program or devalue it further. Yes, you would ruin it for everybody else.
Don't do dumb things and get up in arms about it when people call you out.
- zajacik99
- Member
-
- Apr 13, 2009
- 462 posts
- 367 upvotes
- Toronto
Call your card issuer, tell them that your wife/child will be long term abroad and ask them whether it'll be any problem.terracotta92 wrote: ↑ Has anyone tried this before? Thoughts?
Maybe it's even enough to get a supplemental card and call the issuer that suplementary cardholder is leaving abroad for a year or two
- HermanH
- Deal Addict
- Apr 23, 2017
- 1188 posts
- 2131 upvotes
I doubt the Canadian issuer will care if your supplemental cardholder uses their card overseas on an ongoing basis.
- MasterPro
- Sr. Member
- Sep 6, 2016
- 756 posts
- 296 upvotes
Bla Bla Bla Blasonjeffnguyen wrote: ↑
I'm saying they will flag your constant purchase overseas as "fraud", the act of doing that while an exploit might not be fraudulent.
People asked about others' experience and cannot them blame
OK. I am a Canadian Citizen and I am going to live abroad for rest of my life?
Why does someone like to humiliate others and suspect in bad for no reason?
Public Mobile $35 / 4GB LTE a month forever!
- sonjeffnguyen
- Jr. Member
- Nov 20, 2011
- 109 posts
- 91 upvotes
Buddy wrote the same ask in the Rogers/ Fido thread but I'm assuming things. 
Why don't you call and ask Rogers if it's ok for you to get couple of authorized users for your extended families overseas to make use of them .5% bonus rewards and report back here and enlighten us.
Why don't you call and ask Rogers if it's ok for you to get couple of authorized users for your extended families overseas to make use of them .5% bonus rewards and report back here and enlighten us.
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
ahah. so that's where you got the idea. but its still rude to conclude someone as fraud and blaming them for a demise that is not existing. if you do not like the idea of people looking for ways to save and share ideas, then i suggest that you sign off from RFD. plain and simple.sonjeffnguyen wrote: ↑ Buddy wrote the same ask in the Rogers/ Fido thread but I'm assuming things.
Why don't you call and ask Rogers if it's ok for you to get couple of authorized users for your extended families overseas to make use of them .5% bonus rewards and report back here and enlighten us.
- Poutinesauce
- Deal Fanatic
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- Aug 29, 2012
- 8850 posts
- 8871 upvotes
I know Amex doesn't have a problem with it, my cousin did it with his Filipina wife before he lived in Canada with her. It came extremely handy too, since she could buy groceries and clothes and other necessities without him always having to send her money.
Smaller issuers that don't have a global presence I'm not sure.
Smaller issuers that don't have a global presence I'm not sure.
- terracotta92 [OP]
- Deal Addict
- Feb 6, 2018
- 1472 posts
- 1231 upvotes
the exact idea! fees for western union are huge and they even earn from the exchange rate. that makes it much much unfair.Poutinesauce wrote: ↑ I know Amex doesn't have a problem with it, my cousin did it with his Filipina wife before he lived in Canada with her. It came extremely handy too, since she could buy groceries and clothes and other necessities without him always having to send her money.
Smaller issuers that don't have a global presence I'm not sure.
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