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Rogers World Elite MasterCard
May 17, 2019
11:39 pm
Canadianbull
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Can I pay property tax with this card without paying any fees?

May 18, 2019
1:08 am
Loonie
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I think you should ask your municipality if it will accept credit card payments and if they charge a fee to do this.

May 18, 2019
6:35 am
suburbs4life
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I wanted to see what others had experienced regarding credit limits with this card. When I first applied in December 2018 I was given a 4 k limit (low). They recently auto approved me for only 5500 total. Which is still pretty low for a primary card. The problem is I need a larger credit limit as I am having to pay my balance off twice a month to not max my card over the last 2 months. I called Rogers yesterday and they would not approve me for more unless I wanted to apply for a credit check. Which I am not inclined to as i am looking to buy a house soon and don’t want more credit checks to reduce my rating. Just wondering if others have had hard experiences getting increased credit from Rogers? In the past, banks just throw credit increases at me but not with Rogers bank. I really don’t see why they wouldn’t do this. I never missed payments and pay my balance off in full.

May 18, 2019
7:13 am
Bill
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I've seen an ad on USA TV station wherein the smart female coolly admonishes her panicking male mate that "checking your credit rating never lowers your score".

suburbs, if you don't know why Rogers won't give you an increase ask them.

May 18, 2019
10:10 am
suburbs4life
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They increased it in early April. They said I am a new customer and won’t increase it again for at least 4 months. I guess it’s “the price” you pay to use their no fee card. I was just wondering if everyone who had this card was given low credit limits to start with like myself. Normally big banks start off with 5k and increase limits very easily.

May 18, 2019
1:31 pm
Briguy
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You can pay most utility and tax bills that you can't normally pay through a credit card, by registering with PayTM, with your Rogers card added as the method of payment. But you can't use Rogers card through PayTM to pay other credit card bills.

May 18, 2019
1:42 pm
Loonie
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I have the Rogers card. I can't remember the credit limit, but it's higher than your and, less than 10K. I haven't asked for an increase as i don't need one and we have other cards we use more often. I think I've had it maybe a year or so but never come close to maxing it out so they haven't offered any increases.

Here are a couple of suggestions.
Ask Rogers which credit agency they use. Call that agency and ask them what the impact would be of one hard check for a credit card. Maybe they'll tell you or give you a clue. I don't think it's that high. If your credit rating is fairly high, it shouldn't make a significant difference.
However, if Rogers policy is that they won' give an increase more often than every four months, then you should just wait it out. That's only four extra payments you have to make.
You sound like you have a lot of credit cards. Perhaps , if you decreased the credit limit on one of them, you could get more from Rogers, but that would require a credit check.
If you've had an increase in income since you first applied (more than inflation), then tell Rogers and they might take that into consideration.

May 18, 2019
1:42 pm
Top It Up
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In the 2 cities we pay property taxes the one doesn't accept any credit cards, period; the other suggests you can pay with a CC by going though Plastiq.

May 18, 2019
2:26 pm
suburbs4life
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Thanks for the suggestions Loonie. I made some novice mistakes over the last 12 months. Closed my longest standing card ( Mbna travel card) and accepted 3 free premium cards from the banks without realizing the impact on my credit rating. My income shouldn’t be an issue. It’s likely that activity. I’ll just keep paying the balance off as needed. First world problems in the end.

May 18, 2019
3:28 pm
Loonie
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You could look at it this way: Although the extra payments are inconvenient, you are steadily building towards a great credit rating now!

Also, when it comes to getting your mortgage, a bank will look at more than just your credit rating. You could talk to some bankers now on an exploratory basis and see what they have to say. They should appreciate someone who plans ahead. Ask them how you can best position yourself for a great rate. Such conversations may help you decide which one you want to go with in the end.

May 18, 2019
10:50 pm
Save2Retire@55
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I opened it couple months ago with same $4K limit. They kept sending me approvals for increase which I never accepted till the one they sent last week.
I accepted an increase to $6500.
Never asked for the increase but always paid it in full.
I use RBC (from an old closed CC account) to check my credit score. It is now 800. I simulated the increase which showed my score will go up to 808.
I always thought increasing CC balance brings it down. Funny how it works.

May 19, 2019
10:23 am
Londonguy
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Save2Retire@55 said
I opened it couple months ago with same $4K limit. They kept sending me approvals for increase which I never accepted till the one they sent last week.
I accepted an increase to $6500.
Never asked for the increase but always paid it in full.
I use RBC (from an old closed CC account) to check my credit score. It is now 800. I simulated the increase which showed my score will go up to 808.
I always thought increasing CC balance brings it down. Funny how it works.  

That's because the credit limit increase improves your credit utilization ratio, which results in the algorithm improving your overall credit score. You should always accept a card issuer's offer to increase your limit unless either (a) you don't care what your score is, or (b) there's a dark spendaholic lurking somewhere in your psyche that's going to suddenly emerge and run up your balances.

PS -- I should add one other caveat about higher limits -- if anyone else has access to or use of your cards (e.g. spouse, kids), that would be another reason you might want to keep the limits low on those particular cards just to be on the safe side

May 19, 2019
3:25 pm
Canadianbull
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suburbs4life said
I wanted to see what others had experienced regarding credit limits with this card. When I first applied in December 2018 I was given a 4 k limit (low). They recently auto approved me for only 5500 total. Which is still pretty low for a primary card. The problem is I need a larger credit limit as I am having to pay my balance off twice a month to not max my card over the last 2 months. I called Rogers yesterday and they would not approve me for more unless I wanted to apply for a credit check. Which I am not inclined to as i am looking to buy a house soon and don’t want more credit checks to reduce my rating. Just wondering if others have had hard experiences getting increased credit from Rogers? In the past, banks just throw credit increases at me but not with Rogers bank. I really don’t see why they wouldn’t do this. I never missed payments and pay my balance off in full.  

When I received my card 5 months ago my credit limit was 10K. 4 days ago I received an email from Roger's if I want to increase my limit to 13K that I accepted. So now my limit is 13K.

May 19, 2019
4:43 pm
Canadianbull
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Top It Up said
In the 2 cities we pay property taxes the one doesn't accept any credit cards, period; the other suggests you can pay with a CC by going though Plastiq.  

Same here...
Local does not allow to pay with credit card either.

May 19, 2019
5:38 pm
suburbs4life
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Canadianbull said

When I received my card 5 months ago my credit limit was 10K. 4 days ago I received an email from Roger's if I want to increase my limit to 13K that I accepted. So now my limit is 13K.  

Thanks for your reply. As I suspected. They consider me a credit risk to offer such a low limit. Which is laughable but it is what it is and now I know.

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