Canadian Credit Cards - Best Perks
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Thread: Canadian Credit Cards - Best Perks

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\r\n Best purchase I ever made was a $250 semi-auto Saeco espresso machine and a travel mug. With locally roasted fair trade beans I can make better coffee than 90% of "cafés" in Canada/US. Pays for itself in less than a year and parts are readily available online, can be upgraded/fixed/maintained with a phillips screwdriver.. The same machine was sold at Starbucks for twice the cost. I\'d give Timmies coffee a 4/10.. it\'s warm, black and slightly better than ranger coffee\r\n
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amat victoria curam
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    \r\n We have been making coffee the same way for 40 plus years. We grind the beans, boil the kettle, and run it through a Melita drip filter. Always a dark coffee or medium/dark coffee.
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    \n Went into Starbucks and the server was trying to impress us with their \'pour over method\' She looked at me like I had two heads when I told her we had been doing this for 40 years.\r\n
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    \r\n Quote Originally Posted by m3s\r\n View Post\r\n
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    Best purchase I ever made was a $250 semi-auto Saeco espresso machine and a travel mug. With locally roasted fair trade beans I can make better coffee than 90% of "cafés" in Canada/US. Pays for itself in less than a year and parts are readily available online, can be upgraded/fixed/maintained with a phillips screwdriver.. The same machine was sold at Starbucks for twice the cost. I\'d give Timmies coffee a 4/10.. it\'s warm, black and slightly better than ranger coffee
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    Now to bring the thread back OT, what credit card did use to buy it?\r\n
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    \r\n For major purchases I typically use a premium fee card for the extended warranty or price protection, so probably Visa Infinite
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    \nI\'ve never managed to use either of those perks though. The one time I tried I think MBNA denied me with some bs fine print\r\n
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    amat victoria curam
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    \r\n \r\n We have been making coffee the same way for 40 plus years. We grind the beans, boil the kettle, and run it through a Melita drip filter. Always a dark coffee or medium/dark coffee.\r\n \r\n
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    Doing the same and it\'s much better than any fast food/restaurant coffee .
    \n But Canadians like THI, this is why I mentioned it \r\n
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    \r\n Quote Originally Posted by Dilbert\r\n View Post\r\n
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    Not really, I sell my miles for cold hard tax free, cash!
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    May I ask where you\'re selling your miles, Dilbert?
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    \r\n Quote Originally Posted by ian\r\n View Post\r\n
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    This past winter we went to South America. The flight cost $1100. if we bought it.
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    \nIf we used Aeroplan points and flew on Air Canada the cost of each ticket was over $800. (fees and add ons). Plus 60,000 points.
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    \nFortunately we were able to select a United flight using Aeroplan points. The cost was $250. per person. A substantial difference.
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    \nWe have experienced the same when using points to go to Europe. The point value on many of these flights, net of charges, is 1/2 of one percent to one percent. So now we save what few points we have left for short haul flights.
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    \nThat is why we are dumping Aeroplan. We used to be able to get the same deal on Lufthansa as we get if we select United. The Lufthansa loophole has been closed. We are told that Aeroplan is diligently working to close the United loophole.
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    \nWe also have Delta miles. When we get a Delta Airlines ticket with Skymiles points the cost is usually about 1/3 or less of the Aeroplan points ticket cost. Sometimes even lower for US destinations. Aeroplan, for us, is a giant ripoff.
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    I still have an Aeroplan Visa Classic from CIBC ($29/yr, no longer offered) for the purpose of collecting miles, as I prefer to fly AC over an American airline when available. A few yrs ago, their fees on a flight to FL from YVR were so outrageous I flew out of Seattle instead. Oddly, though, last year I noted that the fees from YVR to FLL return were less than $100, which was shocking, and most welcome! I\'m not going anywhere this summer, so haven\'t monitored the situation to see if last year was an anomaly or if Aeroplan has actually dropped their fees overall.
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    \r\n Quote Originally Posted by Dilbert\r\n View Post\r\n
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    Now to bring the thread back OT, what credit card did use to buy it?
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    Thanks for trying to get it back on track.
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    \nI\'m going to conclude that no one is Home Trust Visa Preferred holder here, or particularly interested in becoming one. Only one person has the card in the RFD thread, but I\'m interested enough in it that I\'ll call on Tuesday to see the likelihood of them approving me before applying online. It was implied elsewhere that the preferred card is for mortgage holders, but the application doesn\'t state this as a requirement. I\'m in school w/ half my usual income, but I have good credit, I\'d say, so here\'s hoping...\r\n
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    \r\n I heard that Chase Bank Canada was going to cancel their Amazon Visa offering. To my knowledge this was only 1 of 2 cards in Canada that charged realtime FX exchange fees on foreign transactions and did not levy the standard 2.5 percnet admin fee/
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    \nOnly one left now I believe is the Marriott Rewards version which carries a 100 fee but includes one free night at a Marriott level 5 property. We have this card. For our lifestyle it has been a winner.\r\n
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    \r\n I don\'t know about the \'realtime\' aspect, but the Home Trust Preferred card I\'ve mentioned has 0% forex fee, hence my interest in it. The Marriott card is $120/yr, but considering it\'s a Chase product, I question how long it will last.\r\n
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    \r\n \r\n I heard that Chase Bank Canada was going to cancel their Amazon Visa offering\r\n \r\n
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    Where this info is coming from?\r\n
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    \r\n This is true. It is no longer being offered.\r\n
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  • \r\n'; pd[1555578] = '\r\n
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    \r\n My Own Advisor\r\n \r\n
    \r\n My Own Advisor is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n My Own Advisor\'s Avatar\r\n \r\n \r\n \r\n
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    Join Date
    Sep 2012
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    Location
    Ottawa
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    Posts
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    \r\n Quote Originally Posted by none\r\n View Post\r\n
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    This is true. It is no longer being offered.
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    https://www.amazon.ca/gp/help/custom...deId=201516220\r\n
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    Hidden Content - Working on a $1 million portfolio and $30k per year from it.
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1555714] = '\r\n
  • \r\n\r\n\r\n
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    \r\n gibor365\r\n \r\n
    \r\n gibor365 is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n
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    Join Date
    Jun 2016
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    Posts
    1,806
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    \r\n Quote Originally Posted by My Own Advisor\r\n View Post\r\n
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    I read it, but I couldn;t find any info that this card will be gone competely\r\n
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1555986] = '\r\n
  • \r\n\r\n\r\n
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    \r\n kcowan\r\n \r\n
    \r\n kcowan is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n kcowan\'s Avatar\r\n \r\n \r\n \r\n
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    Join Date
    Jul 2010
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    Location
    Pacific latitude 20/49
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    Posts
    4,790
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    \r\n Quote Originally Posted by gibor365\r\n View Post\r\n
    \r\n
    I read it, but I couldn;t find any info that this card will be gone competely
    \r\n \r\n
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    No there have been no withdrawal announcements. I suspect they are revisiting their terms, and will reopen apps when those terms are finalized. e.g. 1% cashback does not motivate me to use the card unless it is in a foreign currency, then it is 3.5% savings. I have some knowledgeable forum acquaintances that don\'t get it, and think that ATMs give comparable FX.\r\n
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1556090] = '\r\n
  • \r\n\r\n\r\n
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    \r\n zylon\r\n \r\n
    \r\n zylon is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n zylon\'s Avatar\r\n \r\n \r\n \r\n
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    \r\n
    Join Date
    Oct 2010
    \r\n
    Location
    Alberta
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    Posts
    1,432
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    \r\n I used my Chase-amazon-rewards-Visa for a USD purchase this week.
    \n- looks like I was dinged about 2.5% fx conversion.
    \n- so much for that little fx-free perk.\r\n
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1556210] = '\r\n
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    \r\n m3s is offline\r\n\r\n \r\n
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    Join Date
    Apr 2010
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    Location
    Everywhere
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    Posts
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    \r\n Be weary of establishments who will charge your home currency by default.. hence scoring the 2.5% bonus for themselves.. ask for the local currency..
    \n
    \nI should look at using amazon visa for foreign cash advances again. The fine print says 1% fee with a $5 min charge, so above $200 should beat a debit card
    \n
    \nI believe the reason I chose to get foreign cash with the TD debit card is because it incurred fewer foreign ATM charges (but now it says only in NA..)\r\n
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    amat victoria curam
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1556434] = '\r\n
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    \r\n cedebe\r\n \r\n
    \r\n cedebe is offline\r\n\r\n \r\n
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    Join Date
    Jan 2012
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    Posts
    108
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    \r\n Quote Originally Posted by zylon\r\n View Post\r\n
    \r\n
    I used my Chase-amazon-rewards-Visa for a USD purchase this week.
    \n- looks like I was dinged about 2.5% fx conversion.
    \n- so much for that little fx-free perk.
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    I\'ve only ever been dinged on Ebay when the option to convert to CAD was \'on.\'\r\n
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    \r\n -' + '->\r\n
    \r\n \r\n \r\n \r\n \r\n \r\n Reply With Quote Reply With Quote \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n -' + '->\r\n
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  • \r\n'; pd[1556610] = '\r\n
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    \r\n zylon is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n zylon\'s Avatar\r\n \r\n \r\n \r\n
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    Join Date
    Oct 2010
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    Location
    Alberta
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    Posts
    1,432
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    \r\n Quote Originally Posted by cedebe\r\n View Post\r\n
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    I\'ve only ever been dinged on Ebay when the option to convert to CAD was \'on.\'
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    It might be a recent change;
    \r\nI hadn\'t used my card for quite a while until this week.\r\n
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  • \r\n'; pd[1556634] = '\r\n
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    \r\n cedebe is offline\r\n\r\n \r\n
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    Join Date
    Jan 2012
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    Posts
    108
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    \r\n Quote Originally Posted by zylon\r\n View Post\r\n
    \r\n
    It might be a recent change;
    \nI hadn\'t used my card for quite a while until this week.
    \r\n \r\n
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    Chase\'s website clearly states there are no additional surcharges-' + '-same info as always. Things are different if you\'re making Ebay purchases, however, if you select the \'credit card\' option instead of Paypal... then you\'ll get dinged for fees by Paypal as they convert the currency into CAD and give themselves a percentage for their trouble.\r\n
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    \r\n -' + '->\r\n
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  • \r\n'; pd[1556730] = '\r\n
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    \r\n ian is offline\r\n\r\n \r\n
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    Join Date
    Jun 2016
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    \r\n We used our Chase Marriott card for Visa and cash advances from Jan through to mid March in South and Central America and in a few US airports.
    \n
    \nI check the FX rates every so often. They were all coming over at the XE website FX rate down to the the third decimal point.
    \n
    \nSame for cash advances. Great deal for the bank. They give us 1/2 percent interest on our balance, then charge 2.5 percent to withdraw. No wonder their stock is such a solid investment.
    \n
    \nIf we use our bank ATM card outside Canada our bank rate was consistently 2.5 to 3 percent highter than the XE website rate. Plus they dinged me $5. Marriott Visa cash advance charges 1 percent, minimum $5. May not seem like a lot but when you use foreign ATM\'s frequently it adds it. Plus, we often either avoid and extra merchant charge for using a credit card or we get a discount for cash. Either way it is a win win.\r\n
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    \r\n -' + '->\r\n
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  • \r\n'; pd[1556746] = '\r\n
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    \r\n zylon\r\n \r\n
    \r\n zylon is offline\r\n\r\n \r\n
    \r\n \r\n Senior Member\r\n \r\n \r\n \r\n \r\n \r\n \r\n zylon\'s Avatar\r\n \r\n \r\n \r\n
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    Join Date
    Oct 2010
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    Location
    Alberta
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    Posts
    1,432
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    \r\n I just remembered something.
    \n
    \nSince the last time I used my card for USD purchase, my card has been \'re-numbered\'.
    \n
    \nMaybe that makes me a new customer where old perks don\'t apply.\r\n
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    \r\n -' + '->\r\n
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  • \r\n'; pd[1556738] = '\r\n
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    \r\n m3s\r\n \r\n
    \r\n m3s is offline\r\n\r\n \r\n
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    Join Date
    Apr 2010
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    \r\n I have Amazon Visa as my default PayPal card and I had it set it to something like "Bill me in the currency listed on the seller\'s invoice"
    \n
    \nHowever I can\'t seem to find that setting in PayPal anymore, and I see people are reporting that PayPal no longer gives you the currency options on checkout..
    \n
    \nIt appears that PayPal is also now trying to score some more 2.5% fees. See recent discussion in this RFD thread\r\n
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    amat victoria curam
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  • \r\n'; pd[1556762] = '\r\n
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    Join Date
    Apr 2010
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    Location
    Everywhere
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    \r\n So apparenlty PayPal changed their website in Nov 2016 and now you have to dig really deep to set the default conversion:
    \n
    \nFrom Settings/Payments/Manage preapproved payments/Set Available Funding Sources/Conversion Options/Bill me in the currency listed on the seller\'s invoice
    \n
    \nIt used to be easier to find.. sneaky PayPal\r\n
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    amat victoria curam
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  • \r\n'; pd[1556794] = '\r\n
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    \r\n ^^^ Thanks m3s\r\n
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  • \r\n'; pd[1557490] = '\r\n
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    Join Date
    Jul 2010
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    Location
    Pacific latitude 20/49
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    \r\n Quote Originally Posted by m3s\r\n View Post\r\n
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    So apparenlty PayPal changed their website in Nov 2016 and now you have to dig really deep to set the default conversion:
    \n
    \nFrom Settings/Payments/Manage preapproved payments/Set Available Funding Sources/Conversion Options/Bill me in the currency listed on the seller\'s invoice
    \n
    \nIt used to be easier to find.. sneaky PayPal
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    Yes I remember having the same problem and had to reverse the charge until I found this other setting. (That is what probably happened to zylon)\r\n
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  • \r\n'; pd[1557530] = '\r\n
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    Join Date
    Apr 2009
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    \r\n Thanks for the tip, changed it too.
    \n
    \nI don\'t have much purchases in USD dollars so I don\'t have a specific credit card, but the less profit Paypal makes, the better I feel.\r\n
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  • \r\n'; pd[1558362] = '\r\n
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    Join Date
    Nov 2016
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    Toronto Area
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    \r\n Okay, so I got my new Capone/Costco card in the mail today. All they offer is an $8K credit limit. So I call them and spend the better part of an hour talking to the CSR and then, her Supervisor. All I asked for was $15K and got a flat out, no!
    \n
    \nI have zero debt and an excellent, unblemished credit history.
    \n
    \nThey said you need to be with them at least six months before they will even consider it....Caveat emptor folks.\r\n
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  • \r\n'; pd[1558674] = '\r\n
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    \r\n Had the same problem with Tangerine. When I got the card they set the limit at $12K. It was tight; I asked for more but they refused. Another card just kept bumping the limit up until it went to $25K - without asking.
    \n
    \nThey all have their little algorithms that some bright spark developed. Certainly cheaper than old-fashioned small town face-to-face banking but sometimes I wonder what do they really know about your creditworthiness.\r\n
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  • \r\n'; pd[1558810] = '\r\n
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    \r\n I applied for, and received a Chase Bank Canada Amazon card. It had a 4k limit which was odd.
    \r\n
    \r\nThree months later I realized that I could get a fee based Chase Bank Marriott card. So I applied for that. Same data that I used for the Amazon card. The Marriott came with a 14K limit. Much better. Same bank. Same credit application. Same period in time. Go figure.
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    \r\nCostco Capital One has been 15K since we got it. No increase but we hardly need it. All the while, our CIBC Visa credit limit keeps going up and we are using it less and less. Now sitting at $31K. Never asked for an increase, don\'t need one, don\'t really want one.\r\n
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    \r\n \r\n Last edited by ian; 2017-04-22 at 12:39 AM.\r\n \r\n \r\n
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  • \r\n'; pd[1558970] = '\r\n
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    Join Date
    Sep 2012
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    Ottawa
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    \r\n Marriott Chase great for international travel and one free night per year offsets fee and then some.
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    \r\nCapOne Costco is great overall.
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    \r\nAeroplan VISA is tempting but I dislike Aeroplan.
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    \r\nAmazon Chase is good for simple online stuff. Rogers has a similar credit card now as well.
    \r\nhttps://www.rogersbank.com/en/25stndrd\r\n
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    Hidden Content - Working on a $1 million portfolio and $30k per year from it.
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  • \r\n'; pd[1559146] = '\r\n
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    \r\n Yeah, I\'ll likely keep the CapOne Costco card anyway. I just think it is too funny to have a TD/Aeroplan Visa with a $50K limit and a measly $8K on the MC. I do a fair bit of travel and entertaining, it just won\'t cut it!
    \n
    \nHowever, I\'ll be retired this time next year and it will be a useful card then.\r\n
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    \r\n \r\n Last edited by Dilbert; 2017-04-22 at 11:52 AM.\r\n \r\n \r\n
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  • \r\n'; pd[1563905] = '\r\n
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    \r\n Quote Originally Posted by Dilbert\r\n View Post\r\n
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    Yeah, I\'ll likely keep the CapOne Costco card anyway. I just think it is too funny to have a TD/Aeroplan Visa with a $50K limit .
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    I think they add up the limits you have between cards and other debt and then grade against your credit score. Technically you could max them all so giving you 10 cards with unsecured debt of $50K is considered high risk.\r\n
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    \r\n With the recent changes announced by Tangerine on their card, it caused me to re-look at my setup. I ended up applying for a BMO World Elite travel card (flat 2% travel rewards). It\'s part of a bundle where you get a free chequing account, and the card ends up being free. I was looking for a new bank anyways, so it should work out well. I will keep using the Cap One Costco cashback card for spend at restaurants.\r\n
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  • \r\n'; pd[1563889] = '\r\n
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    \r\n Quote Originally Posted by Dilbert\r\n View Post\r\n
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    Okay, so I got my new Capone/Costco card in the mail today. All they offer is an $8K credit limit. So I call them and spend the better part of an hour talking to the CSR and then, her Supervisor. All I asked for was $15K and got a flat out, no!
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    \r\nI have zero debt and an excellent, unblemished credit history.
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    \r\nThey said you need to be with them at least six months before they will even consider it....Caveat emptor folks.
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    Same thing here. I have excellent credit and had been using their card for some time (>6 months) and ran out of credit hence why I called in. Nope, not approved. Then stopped using save for Gas and Restaurant.
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    \r\nPS - no incentive to using @ Costco except for the Costco membership card being embedded in it.\r\n
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  • \r\n'; pd[1559290] = '\r\n
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    \r\n Quote Originally Posted by kcowan\r\n View Post\r\n
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    ... (That is what probably happened to zylon)
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    Correctamundo, Sir!\r\n
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  • \r\n'; pd[1551018] = '\r\n
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    \r\n Quote Originally Posted by ian\r\n View Post\r\n
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    I heard that Chase Bank Canada was going to cancel their Amazon Visa offering. To my knowledge this was only 1 of 2 cards in Canada that charged realtime FX exchange fees on foreign transactions and did not levy the standard 2.5 percnet admin fee/
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    \r\nOnly one left now I believe is the Marriott Rewards version which carries a 100 fee but includes one free night at a Marriott level 5 property. We have this card. For our lifestyle it has been a winner.
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    Where did you hear that?
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    \r\nI got the amazon card before the Marriott version existed but now the amazon card is kind of redundant. I shop regularly on amazon and I\'m also out of country a lot for work and spend several months/year in Marriotts
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    \r\nWhen I travel for work I\'m covered by HRG travel insurance but as far as I can tell my Visa Infinite travel insurance is superior to the Chase cards for personal travel. I don\'t believe Chase covers any medical expenses
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    \r\nWhen you consider the rewards can offset the FX fees it\'s probably worth the difference for the travel insurance, but I have also had cases when I needed to have a hotel reverse large USD charges and 0% fx fee was $$$ in that case!
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    \r\nFor now I\'ll leave the amazon card at home for online purchases, especially amazon or PayPal USD purchases. I use the Marriott card for Marriotts and misc expenses out of country that wouldn\'t benefit from travel insurance
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    \r\nNot sure if Visa Infinite would deny travel coverage if you booked the travel with another card?\r\n
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    amat victoria curam
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  • \r\n'; pd[1551106] = '\r\n
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    \r\n Quote Originally Posted by ian\r\n View Post\r\n
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    I heard that Chase Bank Canada was going to cancel their Amazon Visa offering. To my knowledge this was only 1 of 2 cards in Canada that charged realtime FX exchange fees on foreign transactions and did not levy the standard 2.5 percent admin fee.
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    I heard that they have stopped new approvals but nothing about cancellation?\r\n
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  • \r\n'; pd[1550770] = '\r\n
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    \r\n Quote Originally Posted by m3s\r\n View Post\r\n
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    I\'ve found both air miles and aeroplan work best for short haul flights because these flights are very expensive to buy but the points are calculated by distance so they\'re relatively cheap by rewards points.
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    Agreed. Use Aeroplan for domestic or within N.A. flights. (15,000 or 25,000 points.) Avoid it for international/overseas travel.\r\n
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    Hidden Content - Working on a $1 million portfolio and $30k per year from it.
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  • \r\n'; pd[1555730] = '\r\n
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    \r\n Quote Originally Posted by cedebe\r\n View Post\r\n
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    No, the other alternative is to get the Home Trust Preferred Visa as mentioned in my original post. I was wondering if anyone here had it, but it seems no one else has even heard of it.
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    Do you have the card? Even for a no fee card, it doesn\'t seem to have many features?\r\n
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    \r\n \r\n Last edited by twa2w; 2017-04-20 at 12:57 AM.\r\n \r\n \r\n
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    \r\n Second Paragraph:
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    \nAs of April 3, 2017, we are no longer accepting applications for the Amazon.ca Rewards Visa Card and there is no other way to get the card at this time.\r\n
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    \r\n Quote Originally Posted by twa2w\r\n View Post\r\n
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    Do you have the card? Even for a no fee card, it doesn\'t seem to have many features?
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    I\'ve applied for the card and am waiting to hear back. The primary feature of the card for me is the fact that there are no forex fees. The majority of my purchases are outside of Canada, so this is a very big deal.\r\n
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    \r\n
    \r\n
  • \r\n'; // next/previous post info pn[1548161] = "1555962,1548185"; pn[0] = ",1548161"; pn[1548185] = "1548161,1548209"; pn[1548209] = "1548185,1549178"; pn[1549178] = "1548209,1550906"; pn[1550906] = "1549178,1551242"; pn[1551242] = "1550906,1555538"; pn[1555538] = "1551242,1548193"; pn[1548193] = "1555538,1548217"; pn[1548217] = "1548193,1548282"; pn[1548282] = "1548217,1548338"; pn[1548338] = "1548282,1548354"; pn[1548354] = "1548338,1548650"; pn[1548650] = "1548354,1548690"; pn[1548690] = "1548650,1548882"; pn[1548882] = "1548690,1548890"; pn[1548890] = "1548882,1548930"; pn[1548930] = "1548890,1548978"; pn[1548978] = "1548930,1549154"; pn[1549154] = "1548978,1549482"; pn[1549482] = "1549154,1549674"; pn[1549674] = "1549482,1549682"; pn[1549682] = "1549674,1549690"; pn[1549690] = "1549682,1549698"; pn[1549698] = "1549690,1549770"; pn[1549770] = "1549698,1549922"; pn[1549922] = "1549770,1550058"; pn[1550058] = "1549922,1550090"; pn[1550090] = "1550058,1550114"; pn[1550114] = "1550090,1550570"; pn[1550570] = "1550114,1550626"; pn[1550626] = "1550570,1550698"; pn[1550698] = "1550626,1550738"; pn[1550738] = "1550698,1550754"; pn[1550754] = "1550738,1555578"; pn[1555578] = "1550754,1555714"; pn[1555714] = "1555578,1555986"; pn[1555986] = "1555714,1556090"; pn[1556090] = "1555986,1556210"; pn[1556210] = "1556090,1556434"; pn[1556434] = "1556210,1556610"; pn[1556610] = "1556434,1556634"; pn[1556634] = "1556610,1556730"; pn[1556730] = "1556634,1556746"; pn[1556746] = "1556730,1556738"; pn[1556738] = "1556746,1556762"; pn[1556762] = "1556738,1556794"; pn[1556794] = "1556762,1557490"; pn[1557490] = "1556794,1557530"; pn[1557530] = "1557490,1558362"; pn[1558362] = "1557530,1558674"; pn[1558674] = "1558362,1558810"; pn[1558810] = "1558674,1558970"; pn[1558970] = "1558810,1559146"; pn[1559146] = "1558970,1563905"; pn[1563905] = "1559146,1564529"; pn[1564529] = "1563905,1563889"; pn[1563889] = "1564529,1559290"; pn[1559290] = "1563889,1551018"; pn[1551018] = "1559290,1551106"; pn[1551106] = "1551018,1550770"; pn[1550770] = "1551106,1555730"; pn[1555730] = "1550770,1555810"; pn[1555810] = "1555730,1555962"; pn[1555962] = "1555810,1548161"; // cached usernames pu[0] = guestphrase; pu[44083] = "cedebe"; pu[325033] = "gibor365"; pu[45050] = "Mookie"; pu[331418] = "Dilbert"; pu[30280] = "SW20 MR2"; pu[51968] = "My Own Advisor"; pu[5510] = "m3s"; pu[324938] = "ian"; pu[32020] = "Eder"; pu[317122] = "mordko"; pu[59635] = "none"; pu[289530] = "TomB16"; pu[6462] = "kcowan"; pu[319794] = "twa2w"; pu[16749] = "zylon"; pu[290] = "cashinstinct"; pu[33504] = "dP21"; // -->

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    1. #30
      Member
      Join Date
      Nov 2016
      Location
      Toronto Area
      Posts
      92
      Yeah, I'll likely keep the CapOne Costco card anyway. I just think it is too funny to have a TD/Aeroplan Visa with a $50K limit and a measly $8K on the MC. I do a fair bit of travel and entertaining, it just won't cut it!

      However, I'll be retired this time next year and it will be a useful card then.
      Last edited by Dilbert; 2017-04-22 at 11:52 AM.

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