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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 03-29-2018, 04:00 PM   #651
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After applying for the Home Trust card, did anyone get an email that their application went through?
I also applied last week and no email. I just took a screenshot at the end.
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Old 03-29-2018, 08:43 PM   #652
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most are waiting 7-9 weeks to get their HT card
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whole time i thought gh0strider was white lol

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Old 03-29-2018, 08:50 PM   #653
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I just got my Scotiabank Passport Visa Infinite card - $139/yr but no FX charges and equivalent to 2% cash back (travel points). Handy for me as I spend upwards of $10K/yr in the US for work and work gives me the 2.5% back so it turns out to a huge bargain to have this card.

If you've got the spending habits then this one is pretty nice.
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Old 04-09-2018, 09:50 AM   #654
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I just got my Scotiabank Passport Visa Infinite card - $139/yr but no FX charges and equivalent to 2% cash back (travel points). Handy for me as I spend upwards of $10K/yr in the US for work and work gives me the 2.5% back so it turns out to a huge bargain to have this card.

If you've got the spending habits then this one is pretty nice.
This is inferior to the Rogers WE. It's a category card, only 2% on selected categories.

Earn 2 Scotia RewardsŪ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
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Old 04-09-2018, 06:56 PM   #655
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my HT Visa is being April 9 per email notice.
Applied Jan 24.
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Old 04-09-2018, 07:16 PM   #656
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This is inferior to the Rogers WE. It's a category card, only 2% on selected categories.

Earn 2 Scotia RewardsŪ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
I didn't catch the category limitations but it's still better than the Rogers card for me b/c of the FX advantages.

That said, I may cancel it after a year - got it mostly b/c I'm doing a lot of travel this year and want the travel perks too. When my travel dials down I'll switch to the Hometrust one.
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Old 04-09-2018, 10:46 PM   #657
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0 fx versus 4% cash back (1.5% net). There's no fx advantage.
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Old 04-10-2018, 06:16 AM   #658
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0 fx versus 4% cash back (1.5% net). There's no fx advantage.
Rogers has announced they are changing the cashback to 3% this quarter: https://forums.redflagdeals.com/roge...-2018-1969993/
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Old 04-10-2018, 07:25 AM   #659
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Rogers has announced they are changing the cashback to 3% this quarter: https://forums.redflagdeals.com/roge...-2018-1969993/
He's talking about the World Elite Rogers MC card which is a NEW card, replacing the Platinum as the top dog.

Now includes travel insurance, car rental insurance and the old pre-nerf cash back (1.75%, 4%) for $0 annual fee.

$80k/150k income requirements.

Rogers World Elite MC (2% Rogers, 1.75% other CDN, 4% - net 1.50% Foreign) - Coming June 2018!! - RedFlagDeals.com Forums
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i look so damn white in all the pics! lol
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Old 04-10-2018, 06:45 PM   #660
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Even with the watered down card, you still earn .5% net (3-2.5) compare to 0%.
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Old 04-10-2018, 06:59 PM   #661
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He's talking about the World Elite Rogers MC card which is a NEW card, replacing the Platinum as the top dog.

Now includes travel insurance, car rental insurance and the old pre-nerf cash back (1.75%, 4%) for $0 annual fee.

$80k/150k income requirements.

Rogers World Elite MC (2% Rogers, 1.75% other CDN, 4% - net 1.50% Foreign) - Coming June 2018!! - RedFlagDeals.com Forums
Ah thanks. Hadn't seen this one yet (got the Passport Visa before this came out). This one seems like a pretty good AIO card for me - I have the MBNA WE with 2% but it charges FX fees and before the Scotia Passport I had the Amazon Visa for my non-CAD purchases. I could probably deal with missing the .25% cash back diff between the MBNA WE card (or just keep that too but I like one Visa, one MC).
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Old 04-11-2018, 06:25 PM   #662
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I've never owned MC before. Is it generally as widely accepted as visa?
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Old 04-11-2018, 06:38 PM   #663
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I've never owned MC before. Is it generally as widely accepted as visa?
Yes.
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Or you meet some girl at the club, cum inside of her, find out shes only in grade 12, so you buy a Prada bag for her to make things right, she finds out the bag is a fake and decides to have the kid
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wtf did she get some bolt-on titties or what?
they look sooooooooooo much bigger than they were 2ish years ago.
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I can't stand the sound of Mandarin either. Boo yow nee bey nee shing bo now noong gey shee mayo mayo mayo mayo mayo mayo mayo.
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Old 04-11-2018, 06:38 PM   #664
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I've never owned MC before. Is it generally as widely accepted as visa?
I've never owned Visa before, and I've never had any problems with MC. Not sure the big difference between the two either. Most, if not, all places will accept mc if they accept visa. It's either all cc (except amex/union), or no cc.

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Old 04-11-2018, 07:42 PM   #665
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Costco and No Frills won't do Visa - just MC.

Costco USA only does Visa, no MC.

Odd, I know.
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i look so damn white in all the pics! lol
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Old 04-12-2018, 09:20 AM   #666
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Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!
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Old 04-12-2018, 10:22 AM   #667
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Costco and No Frills won't do Visa - just MC.

Costco USA only does Visa, no MC.

Odd, I know.
As of two months ago, Costco US started accepting MC, but only the Canadian Costco Mastercard.
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Old 04-12-2018, 10:29 AM   #668
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Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!
I called Home Trust a couple of days ago and they told me not to believe what social media reports are saying. Takes anywhere from four to eight weeks.

I started the conversation with, "So in what year will I get the card? What if I'm a senior, a veteran, disabled from the ravages of war." She replied with, "Sir, we appreciate what you've done for our country and we respect seniors and those who are disabled, but we treat everyone equally here. We are a small company and we have been overwhelmed by the number of applications in the last few months." She sounded sweet and had the most angelic voice. I said, "Thanks, keep up the good work, and.................. god bless."

Chase, you dun goofed..............
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Youth is, indeed, wasted on the young.
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Old 04-12-2018, 11:59 AM   #669
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Just got an email about my Home Trust Preferred Visa being approved..
now the wait begins for the card to arrive!
Man wtf....im at 9 weeks with nothing.
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whole time i thought gh0strider was white lol

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Old 04-12-2018, 01:49 PM   #670
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Man wtf....im at 9 weeks with nothing.
I'm about roughly the same, nothing yet
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Or you meet some girl at the club, cum inside of her, find out shes only in grade 12, so you buy a Prada bag for her to make things right, she finds out the bag is a fake and decides to have the kid
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wtf did she get some bolt-on titties or what?
they look sooooooooooo much bigger than they were 2ish years ago.
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I can't stand the sound of Mandarin either. Boo yow nee bey nee shing bo now noong gey shee mayo mayo mayo mayo mayo mayo mayo.
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Old 04-12-2018, 05:04 PM   #671
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I'm about roughly the same, nothing yet
I was approved March 23rd. Got my card last week.
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Old 04-12-2018, 06:14 PM   #672
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I guess I’ll get mine in like six months, knowing my luck. My credit rating slipped to 860 something. Applied for so many cards in a short period of time.
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Youth is, indeed, wasted on the young.
YODO = You Only Die Once.

Dirty look from MG1 can melt steel beams.

"There must be dissonance before resolution - MG1" a musical reference.
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Old 04-13-2018, 08:44 AM   #673
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for you former AMAZON VISA card holders, don't forget to call them to ask for a cheque as payout of your rewards balance (if its worth it to you). otherwise, that credit will probably just disappear into the netherworld.
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Old 04-13-2018, 10:25 AM   #674
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I bought something online with my amazon card and eventually the item never came so I got a full refund back... But the refund probably went to the netherworld. It was something cheap, like $5... So whatever.
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Old 04-13-2018, 10:44 AM   #675
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If you had bought something before the Chase-Amazon card seized operations, whatever residual amount of rewards would have been applied against your total bill as statement credit. I basically just kept using the card as I would until it was no longer usable. All transactions carried on as expected, and I received my points as statement credit as well.
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