2018年1月17日星期三

1.18~21在Metro兑换95 Air Miles得50 AM

[Ontario Only] Use 95 Air Miles Cash Miles for $10 towards your purchase and get 50 bonus miles (1 bonus per collector account per day)

Air Miles最近挺大方得啊……

2018年1月8日星期一

1.8~3.7在Shell兑换Air Miles得20 AM

在Air Miles的App中把这个offer load上,再去Shell兑换即可。上次在Sobeys换95得95的我已经收到了。

2018年1月7日星期日

1.11~24 Canadian Tire礼品卡九折促销

1.11~24 Superstore Atlantic, Dominion, Loblaws Ontario, Zehrs, Fortinos, Superstore, No Frills, Independent 这些店铺可能不收American Express(据说其中还有一些不收Visa),推荐使用的信用卡:President's Choice World Elite, TD Cashback VI, CIBC/Scotiabank 4% VI以及中国的信用卡。当然,你也可以先去别的地方买Prepaid MasterCard……我就不展开了。

[更新] 1.12~18在T&T大统华也可买到。

[更新] 据说在T&T大统华买礼品卡可以叠加累积其积分。欢迎反馈测试结果。

可能是最省钱的加油方式——解析My Canadian Tire 'Money'及省钱窍门

2018年1月6日星期六

[Petro Canada] RBC卡片支付满25减5

如果你之前绑定了这两家的卡片/会员卡,那么这个offer应该已经自动load上了,可以在online service——信用卡——offer中看到。

其实RBC信用卡的offer栏目里有些东西还是不错的,值得不时去看看,比如去年有个苹果商店两倍积分和Saks 300-50的offer。

2017年12月30日星期六

[读者来稿] Misled by National Bank of Canada (NBC): "hard" inquiry when opening a chequing account

多谢Jian Yang投稿

A few months ago, one of my friend opened a chequing account at NBC and the banker promised that there was only a "soft" inquiry of credit report in this process. However, when my friend checked his credit report on ratehub.ca, he found a "hard" inquiry was reported several days after his account opening. He tried to contact his NBC branch but a manager in charge of this issue did not solve this issue but seemed to delay the investigation process intentionally. NBC promised to solve this problem in ten business days but it already took more than three months. Over three months, this manager replied only once every two weeks in average. Meanwhile, NBC turned back its word whenever it wanted, for example:

The manager first said "I can give you a letter stating that it was an error on the bank's part that a full credit report was done."
Then he requested "I asked if you had a copy of your Equifax report. Please provide a copy of the Equifax report ,in order to confirm there was a hard hit."
After my friend submitted the Equifax report, another manager then said "The credit bureau information you provided does not conclusively determine whether the inquiry was a “hard” or “soft” inquiry. The credit bureau inquiry in question did not result in any financial impact to yourself."

I never saw such a big bank billy their customer like this. I can't believe they can't identify whether the inquiry was a “hard” or “soft” inquiry from an official Equifax report, and whether a "hard" inquiry would result in any financial impact. I would like to share my friend's story here with more friends because it was not a unique case. As far as I know, many bankers tend to mislead their customers in terms of whether a “hard” or “soft” inquiry for chequing account opening. I don't say the bank can't conduct a "hard" inquiry for their customers but at least, the bankers should get the permission rather than misleading their customers. What was worse, I think it was really a bad manner to intentionally delay the investigation and turn back their words like NBC.

2017年12月14日星期四

Groupon花$5给Timmy充$10

现在可以在Groupon上花$5买到$10的Timmy loading code,充值到Timmy Mobile App里。购买链接https://www.groupon.com/deals/tim-hortons-canada-mobile-app-credit-national?utm_medium=afl&utm_source=RAK&utm_campaign=US_AFL_RAK_ld*20171214T1415_tr*CAqD7bLWUPI-MtguZTTARLhlCaJ8ksYXvw

Timmy的新App不知道各位朋友尝试了没有,我用了一下感觉还不错,而且最近还有“买三杯送一杯”的mobile offer。

每天1PM后$1买‘10 Timbits'

每天1PM~10PM,在Timmy随便买一杯喝的,就可以再加$1买到10 Timbites。活动持续到12.26