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

12.15-17 Sportchek消费满100得25 CT Money

Sportchek现在已经与Canadian Tire展开合作,在Sportchek线下消费可得My Canadian Tire 'Money' (CT Money)。12.15-17在Sportchek消费满$100可得$25 CT Money,如果你手头囤着九折礼卡,那么是时候去淘一波折扣清仓了~

四哈博士最近去Canadian Tire给爱车做了一次service,把大半年加油攒的$20+ CT Money用掉了,还是挺不错的。

【相关阅读】
Sportchek,你不知道的秘密
解析My Canadian Tire 'Money'及省钱窍门

2017年12月1日星期五

好像……内个……Android Pay比Apple Pay更好用?

有关注四哈的同学知道,四哈黑五期间入手了一加手机5T,截至目前还是很满意的,还在上手阶段,这里面有一项内容就是熟悉Android Pay。因为之前苹果是主力,而且LG G5手机的NFC并不好用,于是就没在那上面setup。这次就趁着新手机体验里一把,竟然发现Android Pay也有其长处……

当你想用非默认卡片支付的时候,Android Pay似乎更好用。苹果手机下,操作大概是这样:首先进入Apple Pay支付界面(这里有很多方法就不具体说了),然后你要从那一叠卡片中Pick出你想支付的那张,重新验证指纹,完成支付。而Android Pay的操作是这样:解锁屏幕,借助长按Android Pay可以直接调出卡包里的卡(上图,我目前只添加了两张),选择其一贴近完成支付。

对了,AmEx这两天给移动支付不活跃的卡片推了“三笔Mobile Payment送$10 credit”的offer,要求就是Apple Pay/Android Pay/Samsung Pay。四哈准备配合这几天复活的“金拱门APP新注册用户$1 Burger”开些小号刷出来……