TD $250 new account promotion May25 – July23

Just to let any interested RFDers know that TD is having another promotion of up to $250 when you open a new chequing account.

Some restrictions do apply:
1.open an Infinity or Select Service account and approve for a Premium Credit Card
2.complete a regular deposit and complete 2 pre-authorized debits or sign-up for Simply Save
3.make 10 purchases on the new premium credit card account by Sept 30

Bonus will be deposited to chequing account by Oct 31, 2010.

Offer in effect from May 25 to July 23.

If you don’t feel like getting a new credit card… you can still get 150$ from TD.

If you:
-Open an Infinity or Select Service account
-Subscribe to a direct deposit
-Complete 2 pre-authorized debits or sign-up for Simply Save

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Top Platinum Credit Cards in Canada

This is a guest post by Bank Guru.

For those people who have had a credit card for more than a few years, it could be time to start thinking about whether the card you currently own offers all of the benefits you want. For more established consumers, an option that is available is a Platinum card. Platinum cards generally offer more benefits over standard “classic” or “Gold” cards, but have correspondingly different restrictions.

These cards also come in either Visa or Mastercard varieties. However, when choosing between Visa and Mastercard, the main difference is often not in whether the card is a Visa or Mastercard. Visa and Mastercard are simply methods of payment. Instead, the difference arises as to which bank or service provider is issuing the card. These groups set the interest rates, penalties and any free offers and benefits the card may offer.

In Canada, since most Visa cards are issued by Canadian banks, and most Mastercards are issued by American banks or other providers (like President’s Choice), there can be major differences due to these differences in the issuers. To keep the comparisons as simple as possible (there is a wealth of choice out there!), we’ll focus on the most popular Visa Platinum cards today, and the Mastercard Platinums in another post. Hopefully this information can help you make an informed decision.
Visa Platinum

First the good news: at its most basic, Visa Platinum cards, like Visa Gold cards, are largely the same as the Visa Classic card you might already use. All three types will work in the places Visa is accepted, and they all offer zero liability if your card is used for any unauthorized transactions, both online and in stores.

However, the key difference between the Visa Platinum and other cards is that you usually have to accept a minimum amount of credit (which means that this limits the card to people with higher incomes). Visa Platinum also offers you emergency cash and a replacement card if you lose your card. Finally, Platinum cards are more exclusive: there are fewer types of cards available, and not every bank issues them. The following is a list of the major Visa Platinum cards, and how they compare to one another.

TD Platinum Travel Visa

Unlike some of the other options, TD’s only Platinum Visa card is a travel reward card. This card costs $99 a year, and has an interest rate of 19.75%. And there are tougher restrictions: you need to be making at least $35,000 a year to apply for this card, and like any credit application, you’ll need to prove you have great credit to get it.

The travel points work very similarly to other points systems. You get 3 TD travel points for every dollar you spend on the card. Well, how much is that? TD’s current website indicates that you need about 200 TD travel points for any dollar you want to spend on traveling. This means it will take you a long time to wrack up any points, but TD makes up for this by having no restrictions on when and where you can fly.
RBC Platinum VISA

RBC has two Platinum VISAs. The RBC Platinum is the most accessible Visa Platinum card issued by a Canadian bank: you only need to make $15,000 a year to be eligible for the card. The minimum credit limit is also low, at $1,000. RBC’s Platinum Visa also offers the security of chip and PIN technology; however, this is likely coming to all of the VISA cards soon enough. The interest rate for the card is also a fraction lower than TD’s, at 19.5%.

RBC also offers a travel version of the Visa Platinum: RBC Platinum Avion. It’s a tiny bit pricier than the TD Platinum, at $120. You also rack up points more slowly than the TD card: you only get one RBC award point for every dollar. The RBC card is also more restrictive than the TD Card. You can only use it for certain types of flights, and you always have to fly economy. Since there is no precise one-to-one trade from points to dollars, it is hard to gauge how much each point is “worth.” However, if you choose the right flight, it can work out to be about 40-50 points for any flight dollar you want to spend. Taking into account the different rates that you accumulate points, you’ll rack up points about twice as fast as the TD Platinum Visa.
CIBC Platinum Visa

CIBC doesn’t have a travel version for its Platinum cards. You have to get a Gold card for that. The standard CIBC Platinum Visa is essentially identical to the TD Platinum card: no fee, household income of $35,000, minimum credit line of $5,000. The interest rate is marginally lower than TD’s at 19.5%.

The difference for CIBC is they offer a Platinum Dividend card. On top of the benefits of the standard card, these cards offer 2% cash back for every purchase you make. These cards are a bit tricky, though. You have to charge at least $4,000 a year to the card to just cover the $79 cost of the card, and the fact that they pay you the total amount of cash you get back in December – in the middle of the shopping season – means that you could possibly just spend the reward on holiday goodies, and not even notice it.

From:Top Platinum Credit Cards in Canada

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New BMI credit card – the BMI Amex!

When I could have my AMEX Credit Card?

From: http://www.flybmi.com/bmi/en-gb/reward-schemes/diamond-club/diamond-club-partners/bmi-credit-card.aspx

* The Premium card now carries a bigger miles bonus – 24,000 miles instead of 20,000 miles for the basic card

* Card still run by MBNA

* Earnings rates and ‘spend £250 in 90 days’ unchanged

* Premium card comes with automatic ‘Blue Plus’ status in Diamond Club

* Fee for Premium card remains at £60

* The basic card has 0% interest for 3 months on all purchases – so no need to pay your bill for 3 months! No such benefit on the Premium card.

The key thing for those of us with the existing cards is:

a) whether we can keep them or whether MBNA will make us switch to the Amex by removing DC miles earning from the Mastercard (Joanna?)

b) whether there will be a mileage bribe for switching to the Amex, which I imagine is more lucrative for MBNA because of higher Amex merchant fees

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Apply for AE AeroplanPlus

I konw I am a International student, its hard to get a credit card in Canada.
To apply a AE AeroplanPlus just like a dream.
but I still want to try. so a fill all of the information for apply a AE AeroplanPlus Credit Card. then the next, AE give me a call, when he know I am a International student, and do not have job, he said sorry, you can not have AE Credit Card. in fact, i know the reasult, But I still think may be I will have some chance.
Anyway, may be CIBC Aeroplan is more easy for me.

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about my life.

i were asked by zongtong to talk about my life. i have no idea aboud how to say.
I am an International study who study in Canada. I have been Canada since 2006. this year is my second year. now i am student in TRU, a university localed in Kmaloop BC. this is a small town, but have more than a hundred history. the people live here is so nice. like mu host family. they are so nice and teach me a lot things. My majoy is Accounting. sometimes, my friends asked me why i choose this majoy. in fact, just my brother tell that is good. no more other reason.
what else I need to say? Ok, my habit. I like playing computer, watching movie and travling. I like watching comic, like bleach, naruto,one piece, luck star and gunda. also i like watching some English soap operas, like prison break, Friends, hero, 4400 etc. But I specially like about the law. Boston Legal,Shark,Justice both of the is great. if you like English soap operas, i think you will not miss one of them.
also i like travling, I like tavring by airplant. if you like my blog, you will know sometimes i will post some news about airline. one of my goal for 2008 is fly 35000 miles with Aeroplan. I want to get gold *alince. for it, i have got a US Visa. so next year, i will become flyer. but my family told me, i had better stay at Kamloops, because next i will have bad luck~~~ they worried about me. actually, i feel i already have a bad luck now, when i see my creditcard’s bill. who used my credit card for shopping? 300 CAD! my godness.
ok, I have talk about myself lost. so minidx and VR, do you like talk about something about your life? i think that should be nice.

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Hi, TD when you will take my money back?

I know during the XMas day, TD you are so busy. there are many things need to fix
but for me,-An Internation Student, 300 CAD is a big deal.
plz hurry up. i real need to see you sent it me back to my credit card. you may see i did not use it.
i think that is easy.

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