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Tangerine ties up with CINEPLEX for discount Tickets/Pop corn
December 4, 2019
7:10 pm
rfdm4g4g9
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https://mobilesyrup.com/2019/12/04/cineplex-tangerine-tuesdays-discounts/

Looks like Tangerine is getting desperate to retain & keep their old customers with gimmicks like this.

With so many Online digital bank options with good rates available now, and more to come, Tangerine is no longer competitive.

Sure I will take their 1.1% rate over other banks 2.5% to 3.3% rates, because I will get $ 1 off on a Tuesday movie ticket, not even a weekend ticket..LOL.

Just keep good rates, good promos, good service and good products & people won't shop around and leave in the first place!

December 4, 2019
8:37 pm
Bud
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how bout a slice of pizza for every deposit

December 5, 2019
9:01 am
Dean
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Yet more signs that Tangerine is getting evermore desperate.

They should just fold their tent and meld into Scotiabank,
where they belong.

sf-cool " Live Long And Prosper " sf-cool

December 5, 2019
1:46 pm
Bud
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theyr callin lookin for funds maybe theyll deal quarter point bonus. doesnt hurt to ask 18888264374. Wondering if waiting till after end of entry period dec31 will land one a better deal. if anyone calls see how high u can go on a gic as well ask 18mths 2.75

December 5, 2019
3:15 pm
Loonie
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I don't have any money with Tang now.
It's the first time in over 20 years with Tang/ING that I've not had any deposits there.

December 5, 2019
4:16 pm
Dean
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Loonie said

I don't have any money with Tang now.
It's the first time in over 20 years with Tang/ING that I've not had any deposits there.  

Ditto ⬆

I pulled out of Tangerine a few months ago. I had a SA & TFSA with them, but both accounts now read; $0.00

Hasta La Vista, Tangerinesf-cool

sf-cool " Live Long And Prosper " sf-cool

December 6, 2019
7:56 pm
rfdm4g4g9
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I never pay by Debit card anywhere.

Always use my Credit card to buy stuff, and collect points/cash back and then pay the bill in full when it comes in.

Also CC seems to be more safe than debit, if it gets compromised, at least they won't clean my bank account!

So if Tangerine wants me to use my Tangerine Debit card to get some lousy 10% discount on a $9 Tuesday movie ticket then forget it!

December 7, 2019
10:05 am
Dean
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rfdm4g4g9 said

I never pay by Debit card anywhere.

Always use my Credit card to buy stuff, and collect points/cash back and then pay the bill in full when it comes in.

Also CC seems to be more safe than debit, if it gets compromised, at least they won't clean my bank account!

So if Tangerine wants me to use my Tangerine Debit card to get some lousy 10% discount on a $9 Tuesday movie ticket then forget it!  

It's amazing how many people I see in the stores, who still use their Bank Debit Cards to buy stuff. I just don't get it ... what am I missing❓❗sf-confused

I still carry my debit card in my wallet, but I don't think I've used it once in the last 3+ years, except at the bank. The wife and I use our money-back CC's for pretty much everything (paying them off every month), and have been doing so for many years now.

Unless you can't qualify for a CC, what's the attraction to using a Debit card❓

sf-cool " Live Long And Prosper " sf-cool

December 7, 2019
5:21 pm
Loonie
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I have observed the same phenomenon and also wondered about it. The people using their debit cards at the stores don't look like they're using their last dime, if looks are any indicator.
It seems especially odd when you consider that we are constantly told that massive numbers of people are in debt and are irresponsible about money.
These shoppers aren't creating debt; they are avoiding it. And they seem to be the majority from what I've seen.

A few possibilities:
They have maxed out their CCs and/or have low CC limits.
They feel more in control of their spending with debit.
They just don't like credit cards and owing money.

December 8, 2019
9:55 am
rfdm4g4g9
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Stores love debit cards as oppo to CC.

The fees they pay to MC, Visa, Amex is much higher, than the transaction/commission fees they have to pay for Debit/Interac exchange.

Those premium points and cash back cards are even more expensive fees wise for stores/merchants.

Also the settlement of funds is much faster through debit than CC, for the merchants. They get their money quicker.

So I guess they (stores) are happy when people use debit and not CC.

Maybe they should give 2% discount to people who pay by cash or debit!

December 8, 2019
10:58 am
Londonguy
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Loonie said
A few possibilities:
They have maxed out their CCs and/or have low CC limits.
They feel more in control of their spending with debit.
They just don't like credit cards and owing money.  

This doesn't explain people making in-store purchases by debit (I don't get it either) but I use debit to remit quarterly HST installments online. Unless I want to go for a drive and line up at a bank branch (no thanks), it's my only viable option because (1) I'd rather not rely on mailing it, (2) CRA doesn't accept credit cards, and (3) the Interac limit is too low to go that route instead.

I would just use an online bank payment if I could. But for reasons I don't really understand, you can make personal income tax payments and installments directly from your bank account under your SIN but you can't remit HST under a business number in the same manner.

https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/pay-how.html

I would have no use whatsoever for a debit card if it weren't for the HST

December 8, 2019
11:06 am
Dean
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rfdm4g4g9 said

. . .

Maybe they should give 2% discount to people who pay by cash or debit! 
 

That's ^ been tried before.

And when the CC companies get wind of it, the retailer is forced to withdraw that option, or lose their CC contract(s).

sf-cool " Live Long And Prosper " sf-cool

December 8, 2019
11:46 am
Norman1
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rfdm4g4g9 said

. . .

Maybe they should give 2% discount to people who pay by cash or debit! 
 

Selkirk said

That's ^ been tried before.

And when the CC companies get wind of it, the retailer is forced to withdraw that option, or lose their CC contract(s).

That's false information put out by some dishonest merchants who want us to pay by debit or cash and pocket the 2% for themselves.

Merchants know full well their credit card agreements allow discounts for other payment methods, like debit and cash, at the checkout. This is formally confirmed by Element 5 of the Code of Conduct for the Credit and Debit Card Industry in Canada:

5. Payment card network rules will ensure that merchants will be allowed to provide discounts for different methods of payment (e.g. cash, debit card, credit card). Merchants will also be allowed to provide differential discounts among different payment card networks.

Discounts will be allowed for any payment method. As well, differential discounting will be permitted between payment card networks.

Any discounts must be clearly marked at the point-of-sale.

What the agreements actually prohibit are surcharges at the checkout for paying with a credit card. That way, a cardholder doesn't find that $49.99 item on the shelf actually end up as $50.99 at the checkout when he or she takes out a credit card to pay.

December 8, 2019
2:41 pm
rfdm4g4g9
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Lot of Asian supermarket chains just take debit or cash. These stores are quite big, with reasonable amount of locations.

Stores like:

http://nationsfreshfoods.ca/we.....ecial.html

I'm not too comfortable using my debit there, so I just use cash.

December 9, 2019
5:03 pm
Loonie
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Similarly, a lot of Asian restaurants take only cash or debit. I think there may still be some that take only cash.

December 9, 2019
6:13 pm
Dean
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Loonie said

Similarly, a lot of Asian restaurants take only cash or debit. I think there may still be some that take only cash.  

I have a general rule about that ⬆, and it goes like this ⬇

If they won't accept my CC, they DON'T get my business❗

And that's worked just fine for me, for the last 30+ years. sf-cool

sf-cool " Live Long And Prosper " sf-cool

December 9, 2019
6:15 pm
Oscar
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I still don't use debit or credit cards for daily transactions. I carry one credit card that's linked to my bank account and use it to withdraw cash as needed. Need it to buy gas at Costco , otherwise use credit card for some larger purchases and for extra warranty on purchases. I don't have online banking with this account or card so get a monthly statement in the mail. Limited transactions so really easy to check statement and I don't have to go online every day to make sure nothing went wrong. Cash is still king for me and you would have to follow me around to know what I bought and when and where. If I get short changed and I don't catch it right away it's my loss but I don't lose a minute of sleep over it. I routinely am held up in line behind people paying with something other than cash that has a glitch and holds up the line , similar to the old lady who can't see and is digging for change. Linking ALL my daily transactions to my bank or credit card increases the risk of a breach .
I don't see it as a coincidence that asians prefer to deal in cash as they are more aware of total surveillance of society as many have experienced it first hand and are averse to it.

December 19, 2019
7:40 am
rfdm4g4g9
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UK giant Cineworld buys CINEPLEX.

This might screw up whatever BS low level promotion Tangerine was planning to give with CINEPLEX to Tangerine's customers.

Might even screw up Scotia banks Scene card or movie program with CINEPLEX.

https://www.thestar.com/business/2019/12/16/cineworld-to-buy-cineplex-in-28-billion-deal-for-canadas-largest-theatre-chain.html?li_source=LI&li_medium=thestar_recommended_for_you

December 24, 2019
10:31 am
rfdm4g4g9
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They better give me at least 10 Cineplex Tickets for free for being such a long standing customer.

December 26, 2019
11:28 am
pooreva
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Why would anybody go to theater to watch movies when you have Netflix or whatnot and be tortured by farting, endless chewing, idiotic laughing, stupid loud comments, moaning from couples having sex, junkies getting high, the whole raw of seats shaking as some moron decided to masturbate, etc. etc.
For 30 years in Canada I NEVER went to see anything in theaters (movies).

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