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06-21-2008, 06:06 PM
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#51 | | MOD
Join Date: Oct 2002 Location: VANCOUVER
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i had a rbc student visa before, then i got a CCS visa, but it sucks so i switched to a capital one MC.
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06-22-2008, 12:07 AM
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#52 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2005 Location: Vancouver
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planning on getting the Platinum Travel Visa Card or RBC Avion Visa Card
but i currently use the RBC Rewards Classic which sucks imo.
__________________ 1996 Honda Accord 1995 Nissan 240sx 2004 Infiniti G35 2005 Honda Jazz BuySell Feedback Quote: |
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06-22-2008, 01:06 AM
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#53 | | I bringith the lowerballerith
Join Date: Nov 2003 Location: Nanaimo
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I think the biggest factor in choosing a card should be whether or not you are paying it off every month. I work as a banker, and I refuse to give my clients a "dividend" card if they aren't paying their full balance off every month... typically the interest rate is higher than the standard card. Also watch out with the aero cards... $120/yr is enough to negate the rewards plan unless you use the card to make a lot of larger purchases, or for day to day stuff... and pay it off every month.
There's tons of options, but for my clients for the past 2 yrs it's either been the classic card with no rewards (hassle free) or else the aerogold if they plan to do the bulk of their purchasing on the visa. Rewards are great, but keep in mind the annual fees, and the slightly higher rates that are typically charged.
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06-22-2008, 05:54 AM
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#54 | | Where's my RS Christmas Lobster?!
Join Date: Apr 2001 Location: vancouver
Posts: 849
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Td Gold Visa - 1% cash back
There's an annual fee but I have a Select Service Checking Account which waivers the fee if i have a certain amount in the account.
Personally i think the 1% cash back is alot better then most AeroPoints Plan. As someone stated 30 000 points = 30 000 dollars spent = 250 Dollar credit on travel, but if you had 1% cash back the 30 000 points = 300 dollars cash.
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06-22-2008, 03:26 PM
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#55 | | HELP ME PLS!!!
Join Date: Feb 2002 Location: Coquitlam
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| Quote:
Originally Posted by halogodv2  not many ppl use amx? | i use amex gold cash back. i also have the rbc visa gold rewards card, but i rarely use it.
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06-22-2008, 08:10 PM
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#56 | | 14 dolla balla aint got nothing on me!
Join Date: Sep 2004 Location: .
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RBC Classic Visa its the only i got approved for when i was 18
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06-22-2008, 10:23 PM
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#57 | | RS controls my life!
Join Date: Aug 2002 Location: Victoria
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Aero Gold. $120 / yr fee.
I pay it every month 100% no matter what, purchase everything on it rather then use a debit card, as well purchase everything I can for work and use it for business travel. In 2007 I made enough points for pair of airline tickets to most of North America (haven't used it yet). Easily worth the $120 / yr.
Last edited by Vette Dood; 06-22-2008 at 10:23 PM.
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06-23-2008, 01:16 PM
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#58 | | I Will not Admit my Addiction to RS
Join Date: Dec 2003 Location: vancouver
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RBC Rewards Gold. no annual fee. travel medical insurance and ldw insurance when you pay full with the card.
the actual rewards aren't that great though.
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06-24-2008, 11:18 AM
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#59 | | RS controls my life!
Join Date: Mar 2005 Location: Vancouver
Posts: 738
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Scene.....
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06-24-2008, 11:22 AM
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#60 | | RS Operative (G)
Join Date: Oct 2007 Location: GYM
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what do u get from scene?
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06-24-2008, 11:30 AM
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#61 | | I am Hook'd on RS
Join Date: Sep 2005 Location: Vancouver
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CIBC Dividend card and NBC mastercard
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06-24-2008, 11:37 AM
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#62 | | RS controls my life!
Join Date: Mar 2005 Location: Vancouver
Posts: 738
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| Quote:
Originally Posted by halogodv2 what do u get from scene? | points toward free movies, I think they just added music also
for every $1 spent you get 1 point
for every $1 spent in Cineplex theatres, you get 5 points
I guess it's good for those who often goto movies
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06-24-2008, 11:46 AM
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#63 | | Everyone wants a piece of R S...
Join Date: Oct 2005 Location: Vancouver
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I use CIBC Dividend, but they don't always give you 1%. My mom uses CitiBank which is guarantee 1% back for all the spending, so i guess that is a way to go!
sidenote: for ppl into travel, take a look into Amex Sky Blue card, just got mine last week, 1.25 points / $1 spending, not bad
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06-24-2008, 11:54 AM
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#64 | | Retired moderator
Join Date: Aug 2005 Location: Online
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| Quote:
Originally Posted by islandsupra I think the biggest factor in choosing a card should be whether or not you are paying it off every month. I work as a banker, and I refuse to give my clients a "dividend" card if they aren't paying their full balance off every month... typically the interest rate is higher than the standard card. Also watch out with the aero cards... $120/yr is enough to negate the rewards plan unless you use the card to make a lot of larger purchases, or for day to day stuff... and pay it off every month.
There's tons of options, but for my clients for the past 2 yrs it's either been the classic card with no rewards (hassle free) or else the aerogold if they plan to do the bulk of their purchasing on the visa. Rewards are great, but keep in mind the annual fees, and the slightly higher rates that are typically charged. |
+1
1) interest rates don't matter if you're going to pay it off in full and it's a lot safer and smarter to get in the habit of monitoring your spendings on your CC and being able to pay it off in full or not.
2) pick something that suits your purchasing habits NOT pick something you would like.
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I.... think I'm a girl...? :eek: girl@revscene.net
girlはラップダンスをしたことがありません
Last edited by Girl; 06-24-2008 at 11:55 AM.
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06-24-2008, 12:00 PM
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#65 | | I am Hook'd on RS
Join Date: Sep 2005 Location: Vancouver
Posts: 64
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yeah watch out for the dividend cards since they tier the % rebate and usually only advertise the TOP tier of rebate level - so it might be .25% on first 2000, then .50% on next 2500, etc. They also put an outright cap on the dividend as well.
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06-30-2008, 01:56 PM
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#66 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Nov 2006 Location: Vancouver
Posts: 1,839
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TD Rebate Rewards Visa Card.
1% cash back.
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06-30-2008, 01:58 PM
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#67 | | HELP ME PLS!!!
Join Date: Jun 2005 Location: vancouver
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American Express Black
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06-30-2008, 03:09 PM
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#68 | | Rs has made me the man i am today!
Join Date: Sep 2002 Location: chained2mydesk
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Originally Posted by Eternal_SiR Royal Bank Avion Platinum | werd 
__________________ my buy/sell ratings Quote: Originally posted by Marco911
Must be funny when he sees his psychiatrist for treatment of his delusions of grandeur.
Hyde: "See my black Ferrari parked in the handicapped spot outside your office"
Doctor: "Where? All I see is a Yaris."
Hyde: "It's a Ferrari dammit! LoL! Yaris!?"
Doctor: " I'd appreciate if you didn't park in the handicap spots."
Hyde: "LOL! The ticket is only like $500 bucks. In fact, my dad's factory makes the handicapped street signs. If you look closely at vegetable in the wheelchair, it's really a picture of me when I was born."
Doctor: "Here, come a little closer you won't feel this at all."<Injects 20cc of Haloperidol>
Hyde: "I feel woozy...hey, what did you do to my Ferrari? That's a real piece of shit parked in my spot."
Doctor: "Welcome to reality." | | |
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06-30-2008, 05:06 PM
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#69 | | I Will not Admit my Addiction to RS
Join Date: Dec 2003 Location: vancouver
Posts: 540
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Originally Posted by hi5-ive TD Rebate Rewards Visa Card.
1% cash back. | it's only 1% after $3000 spent
the first $3000 is 0.5%
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06-30-2008, 05:19 PM
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#70 | | Where's my RS Christmas Lobster?!
Join Date: Nov 2004
Posts: 817
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Scotiabank Scene Visa
Is it just me, or does Scotiabank doesn't appear as popular as the other banks?
Any major difference b/w Visa and Mastercard?
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06-30-2008, 07:27 PM
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#71 | | The Shopaholic
Join Date: Dec 2007 Location: Vancouver
Posts: 1,777
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^^^ visa is more North American while mc is more woldwide. I dont see visa being used as much out of North America.
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06-30-2008, 08:05 PM
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#72 | | Raping Captured Dolphins since 2002 on EZ board days
Join Date: Jul 2002 Location: Hong Kong
Posts: 6,251
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| Quote:
Originally Posted by Yushimi ^^^ visa is more North American while mc is more woldwide. I dont see visa being used as much out of North America. | I would say Visa is still more worldwide. From experience, the most accepted cards in order are:
1) Visa
2) Mastercard
3) American Express
4) Diners club
5) Discover card
4 and 5 are changeable depending on location. I maybe wrong, but just from places i've been too, that's usually the popularity list.
__________________ Quote:
Originally Posted by asian_XL apparently, freedom of speech does not exist on RS
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Originally Posted by Alphamale I give a lot of people rim jobs. | My Feedback | |
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06-30-2008, 08:10 PM
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#73 | | Proud to be called a RS Regular!
Join Date: May 2008 Location: home
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PC mastercard... I get $20 free groceries every month for using it. between that and gas at superstore i save about $50/month min. on grocery bills
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07-01-2008, 06:20 PM
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#74 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Nov 2006 Location: Vancouver
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i am just wondering how does credit scoring work, like say i paid off fully, and obviously its good for credit scoring but or say i just paid off minimum or i paid off half of what i used, does it affect alot on the scoring?
i usually pay off fully, just a thought .
Last edited by hi5-ive; 07-01-2008 at 08:40 PM.
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07-01-2008, 08:21 PM
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#75 | | Need to Seek Professional Help
Join Date: Sep 2005 Location: Vancouver B.C
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Vancity Enviro Visa.. but want to find a good airmile rebate one
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