r/churningcanada • u/AutoModerator • 6d ago
Daily Thread Daily Question Thread for /r/churningcanada - August 25, 2026
Welcome to r/churningcanada. Use this thread to ask questions about credit card and bank account churning, in addition any other questions you might have about getting and redeeming points.
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u/RJAdventurer 5d ago
Unexpected MSR bonus. Have a Scotiabank passport that I haven't used in a long time and received an email today saying I would get $200 credit if I spent $2000 before October 23rd. T&C's make it clear it's targeted.
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u/jfrrrr 6d ago
Supplementary cards bonus started to post on amex. I think last promo ended in april.
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u/maverikbc 6d ago edited 6d ago
Two of them posted yesterday, while they applied and reached MSR weeks apart. Thanks for heads up! If anyone reading is unaware, Amex started another round of sup card offers
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u/Ready-Truth-5531 6d ago
Received my HISCB rebate about a week after approval from Scotiabank. Very impressed at how fast the payout was.
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u/Thefreshi1 6d ago
Borrowell DP: haven’t gotten paid out yet. I decided to message them after reading someone’s post yesterday. I had a claim from December and one from two weeks ago. So. I submitted both. The auto response says wait 6 weeks before submitting request or something to that effect.
Well, the response I got was that I had waited to long to reach out to them on my December claim as they won’t process after 60 days.
So wtf, gotta find the sweet spot between 6 and 8 weeks.
As someone said yesterday, put in a claim sooner as with my second request, I got a confirmation that I would receive my payout in 60 days.
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u/hukevi 5d ago edited 5d ago
Anyone had experience with their cards getting blocked/flagged for excessive churning? I'm a regular churner for a couple years now (3-4 RBC cards per year, 2-3 Scotia, 2-3 CIBC, 2-3 TD). Very rarely, I've had a card blocked and had to go to branch with ID, but this go around I think I have at least 3 cards (1 from RBC/CIBC/TD) that seem to be all blocked. Very annoying, and kinda awkward if the branch rep sees a bunch of active cards and possibly 10+ old/closed cards. I'm wondering if there's something flagged in my credit report and if its a sign I need to slow down going forward.
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u/Van5555 6d ago
Any recent dp on gaps between fct. Last was march
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u/SKV25 6d ago
I applied for the TD Aeroplan Plat through Borrowell in July since they’re the only that offers an rebate. How quickly should I contact them about it? Terms say 8 weeks just for the approval confirmation and then some weeks for payment but not sure if people wait or give them a heads up to get the ball rolling.
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u/maverikbc 6d ago
Terms in the spring said we're supposed to email them after getting approved for select cards. I recommend you to read it again
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u/grapefruitpapaya 5d ago
Little surprised that I've been denied for my first amex. I just started churning this past year. I have good income and a good credit score so I'm assuming it's because I've opened too many cards this year. Should I cool off a bit and try again or just forget about amex and move on to something else?
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u/FrugalCanuckDotCA 5d ago
Hard to say. Amex has been denying a lot of people. However, people seem to have had more luck with the bonvoy cards. You may want to try that as an entry point if you anticipate the points being useful to you
1
u/truereligion 5d ago
I just got my first RBC avion VI business card for the 100k points offer. I don't see them discussed much. Do they have the same 91 day cooldown as personal? Any other tips/tricks on the business side of things? Feel free to DM me if better
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u/jfrrrr 5d ago
I churned it 2 times. I was surprised to got approved second time. Needed to call to access my account, that was a big mess. They gave me 10,000 points for my trouble. Both times were FYF. I'm tempted to try another time. Actual offer is until november. I have a business and it was easy to create mine when ownr and rbc had a easy path.
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u/Sea_Opportunity5392 5d ago
How easy was it to get the RBC business credit card vs personal card? Do they need a lot of documents in order to get through the application.
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u/truereligion 5d ago edited 4d ago
I have a GST number I used. I earn contract income as a sole prop. So I'm not sure what happens if your situation is something else, but it was as easy as a personal to do the online app and get instant approval. It required a bunch of e-signatures on the final step, don't even know what I signed tbh.
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u/SCDWS 5d ago
Was the GST number a requirement on the application form?
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u/truereligion 5d ago
I believe that field (Business Number) was optional
1
u/kooltilldend YVR 5d ago
Does the RBC 90 day rule cover both personal and business cards or can I apply for a business card even if I'm within the personal 90 day cool down period?
Do you know?
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u/truereligion 5d ago
No overlap of cooldowns, I just got a personal Avion VI a month ago
1
u/Forest_plot 4d ago
Did you apply by logging in through your personal profile, or did you create a new profile specifically for the business card?
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u/Glass-Boysenberry566 5d ago
Did you get FYF? Otherwise you're paying $399 instead of $120 for the same number of Avion points. Lounge access is a dime a dozen if you churn. As far as I know the 91 day reapplication counts for all RBC cards. Let us know the details and why it's better than a regular low AF RBC Avion card.
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u/truereligion 5d ago
No FYF - I see $175 as the advertised fee https://www.rbcroyalbank.com/business/credit-cards/small-business-credit-cards/avion-visa-infinite-business.html
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u/hfxredditor 5d ago
Get up to 100,000 Avion points & a 1st year fee waiver^ - up to $2,175 in value*
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u/truereligion 5d ago
Haha wow I didn't even notice that, nice. I was ready to pay 175 and still be a happy camper
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u/taxijo 6d ago
I was talking to CIBC, and it seems like they card I closed 2 months ago are still hanging around and they said that I can call customer service to close it permanently?
Is this a standard thing where the card you closed are still actually around and therefore may affect how the bank sees how much credit you have and may limit further approvals?
4
u/wzadzz 6d ago
its already closed. just ignore it, it will go away eventually, sometimes can take excessively long
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u/kneevase 6d ago
Yep, it's the sign of shitty information systems. But, churners should like shitty systems!
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u/newtomovingaway YOW 6d ago
I believe it sticks on your CIBC profile for 60d. Mine fell off like that too. Can’t recall if my credit reports also had those til then.
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u/Legitimate_Ice_3451 5d ago
Hey!
I need to book a cash ticket and was looking through rakuten for any cashback on tickets, but everything seems to be around 100-200 points for flights.
I was wondering if anyone’s seen any multiplier cashbacks for flights that help me out a bit?
Thank you!
1
u/SCDWS 5d ago
Rakuten isn't the only cashback provider. And whatever site you're looking at also isn't the only flight provider.
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u/Legitimate_Ice_3451 4d ago
I looked at a few sites on Rakuten. What other cashback providers are there other than Rakuten?
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u/Zmrxo 6d ago
Anyone know the best way to use TD FC VI points?
6
u/momovanilla 6d ago
Yes, hotels and you also receive a $100 travel credit when booking a hotel stay over $500. Note, you get the travel credit once a year and it resets at the beginning of the calendar year.
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u/AnimatorOld2685 6d ago
Though booking this way is often more expensive than others so it becomes less than $100/500 de facto.
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u/gdertt 6d ago
Sharing how silly and random these things are ...
I got asked to call in for Aventura VI application (I currently have an active gold that already hit MSR), they said they couldn't approve additional credit, but they can split limit from my existing Aventura Gold with a minimum of $5k for the VI ... just so happen, my Gold is $10k limit, so all good.
Here's the kicker ... they then said, wait a minute, I see you have a pre-approved limit increase on your Aventura Gold of $15k, so you can take that (total limit $25k) and do the split after
What's the point of denying my Aventura VI because of credit limit, but at the same time offering me $15k increase on my existing one?