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Email this7:22 am
November 8, 2021
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Bill said
Still getting same error message, been using Edge all along.
On top of ad blocker, and cookies blocking software/addons, VPN should also be turned off on the site, should you have one.
7:46 am
September 11, 2013
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I don't know anything about VPN, I just know I've got Bell Fibe internet.
8:38 am
November 8, 2021
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Bill said
I don't know anything about VPN, I just know I've got Bell Fibe internet.
In that case, you ought to review your browser's "cookies" settings, it might have been set to block certain items. In addition, you could enter the CIBC domain in the Internet address into the "safe" sites option.
9:37 am
February 7, 2019
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I am not a current CapitalOne/Costco card holder but I have been a Costco member for some 30 years.
I applied for the CIBC/Costco card last Thursday and received a rejection letter yesterday. Something about some info on my credit bureau file does not meet CIBC requirements. Interesting as my number from Equifax and TransUnion is very high. And I have never in 68 years been rejected for any credit ...
So, I called to find out out what CIBC's issue is.
I was on hold for 76 minutes. Issue 1.
Then after about 20 minutes on the phone with a pleasant agent, I was told that there seems to be no good reason why my application was rejected. Issue 2.
But because my application is technically still open, I need to wait 5-10 business days and then apply again. Issue 3.
I suppose I'll see how I feel in 2 weeks ... LOL ...
| CGO |
9:48 am
April 6, 2013
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Don't take those free "educational" credit scores from Equifax and TransUnion seriously. Lenders don't.
Instead, lenders use a score calculated using a FICO model. The FICO score may be less flattering than those free "educational" scores. One relative works at a bank and has had to break the news to some clients that they really don't have a good credit score.
Also check your credit bureau records for any anomalies. One friend was declined for a PC MasterCard because his name didn't match. The name in the application was listed as an alias in his credit record instead of as his primary name.
10:00 am
February 7, 2019
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Norman1 said
Don't take those free "educational" credit scores from Equifax and TransUnion seriously. Lenders don't.Instead, lenders use a score calculated using a FICO model. The FICO score may be less flattering than those free "educational" scores. One relative works at a bank and has had to break the news to some clients that they really don't have a good credit score.
Also check your credit bureau records for any anomalies. One friend was declined for a PC MasterCard because his name didn't match. The name in the application was listed as an alias in his credit record instead of as his primary name.
FICO 745+ good enough for you?
| CGO |
11:04 am
September 11, 2013
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Thanks, BlueSky, I really appreciate the suggestions, but if I can't use CIBC site without trying this and trying that then forget it is my approach.
11:20 am
April 6, 2013
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cgouimet said
FICO 745+ good enough for you?
Does it actually say FICO or are you just assuming it is a FICO score?
11:35 am
February 7, 2019
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Norman1 said
cgouimet said
FICO 745+ good enough for you?
Does it actually say FICO or are you just assuming it is a FICO score?
Yes. FIFO >745. TransUnion/Equifax >860.
I was only going to use this CIBC/Costco MC for more points at Costco vs my PC MC ... Probably not worth it ...
| CGO |
6:24 pm
April 6, 2013
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A FICO score over 700 is considered to be an excellent score.
Might still be worth it to see if there is an issue with one of the credit bureau files. People have found issues that were in their file for years before it tripped up a recent credit card application or online bank account sign up.
One person found that his credit file had the wrong surname in his primary name!
9:36 pm
October 21, 2013
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I'm hoping that, if I decide to apply for this card, I won't have any issues as I have a very active CIBC chequing account, a savings account, and they are always sending me credit card offers. But you never know.
I am interested that they offer 2% for costco.ca purchases as it's hard to get a premium rate of return for anything at Costco.
My question is about ordering online with CostCo.ca . We order some grocery items from them. The non-perishables show on our current credit card bill as "costco.ca", so I assume they would get the 2% rate from this new card. However, the perishable items show up on credit card bill as something like "costco via instacart" with no mention of costco.ca, so I'm wondering if they will count. Does anyone have any experience with this yet? Clearly in-store purchases would not count for the 2% return because they are not from costco.ca
10:30 pm
September 29, 2017
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BTW, it seems costco.ca charges a premium on all items ordered online, in my experience about 10% or more, compared to shopping in person. And if your order is less than $75, they tack on an additional $3 per item. So, shopping in person seems a much cheaper option.
7:23 am
November 18, 2017
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Odd. Most outfits charge less for online orders. Or is this for online orders through a separate agency - I don't know if Instacart is a costco biz or a different parasitic business? Just about anything ordered via an online delivery outfit slams the vendor with such a high commission (often 30-33%) that they raise their usual prices to try to recover some of that.
Here in BC, the government legislated legislated a COVID-19 temporary 15% commission cap on delivery parasites. Some of them added extra customer charges to claw back the difference.
At least the BC businesses were helped. On the backs of the consumers, as it turned out. (That was not the government's intention.)
RetirEd
RetirEd
8:33 am
February 7, 2019
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RetirEd said
Odd. Most outfits charge less for online orders. Or is this for online orders through a separate agency - I don't know if Instacart is a costco biz or a different parasitic business? Just about anything ordered via an online delivery outfit slams the vendor with such a high commission (often 30-33%) that they raise their usual prices to try to recover some of that.Here in BC, the government legislated legislated a COVID-19 temporary 15% commission cap on delivery parasites. Some of them added extra customer charges to claw back the difference.
At least the BC businesses were helped. On the backs of the consumers, as it turned out. (That was not the government's intention.)
RetirEd
As far as I know, Costco in-store prices have always been lower than Costco on-line prices.
It should also be noted that their in-store products range in a small subset of their on-line catalogue.
| CGO |
8:57 am
April 6, 2013
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Costco in-warehouse prices have been lower than Costco.ca prices. That's because Costco needs to recover the packaging and UPS shipping for the Costco.ca orders.
9:39 am
October 21, 2013
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Yes, I am aware that Costco charges more for delivery but I have reasons for wanting to shop there online that suit my circumstances.
In addition, online is the only route for certain items, and some non-food items are still cheaper at costco than other places even after the delivery mark-up.
So, can anyone tell me if "costco from instacart" counts as a costco.ca purchase with this CIBC costco mastercard?
Or, failing that, does anyone know if instacart deliveries usually count as groceries when they come from another stores on another card that uses categories?
It seems to me that it should be one or the other, but that doesn't mean it is.
4:38 pm
December 12, 2009
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Norman1 said
Don't take those free "educational" credit scores from Equifax and TransUnion seriously. Lenders don't.Instead, lenders use a score calculated using a FICO model. The FICO score may be less flattering than those free "educational" scores. One relative works at a bank and has had to break the news to some clients that they really don't have a good credit score.
Also check your credit bureau records for any anomalies. One friend was declined for a PC MasterCard because his name didn't match. The name in the application was listed as an alias in his credit record instead of as his primary name.
Not exactly. Lenders in Canada, at least the ones I've dealt with, don't use the FICO score. They use something similar to a FICO score, but not exactly a FICO score. 
Also, free credit report and scores are all you need. They give you a "close enough" comparison to what lenders use, certainly close enough than to justify paying for an Equifax and/or TransUnion paid credit report.
Cheers,
Doug
3:59 am
November 18, 2017
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A credit card customer service rep told me - about eight or ten years ago - that they expected no trouble switching one type of card to another because my score was 875. Then another voice, not as loud, blurted out "Don't tell him that!"
I don't use credit except for entries from utility bills I pay consistently, and credit cards I pay off monthly. If what they said is true, I can't imagine how I earned such a high score back then.
It's all water under the bank by now, anyway. I have no idea what my scores might be today and don't care, as I don't use credit.
RetirEd
RetirEd
5:25 pm
September 24, 2018
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cgouimet said
I am not a current CapitalOne/Costco card holder but I have been a Costco member for some 30 years.I applied for the CIBC/Costco card last Thursday and received a rejection letter yesterday. Something about some info on my credit bureau file does not meet CIBC requirements. Interesting as my number from Equifax and TransUnion is very high. And I have never in 68 years been rejected for any credit ...
So, I called to find out out what CIBC's issue is.
I was on hold for 76 minutes. Issue 1.
Then after about 20 minutes on the phone with a pleasant agent, I was told that there seems to be no good reason why my application was rejected. Issue 2.
But because my application is technically still open, I need to wait 5-10 business days and then apply again. Issue 3.
I suppose I'll see how I feel in 2 weeks ... LOL ...
A few years ago we ran into a problem when my wife applied for a credit card.. We were shocked given we never have issues (ie score > 850)... We eventually found out that for some reason, my wife's address for some stuff was at our old address from 15 years ago !! No idea why... It was fixed with no issues.
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