Fido or Rogers Master card? Can't decide! | Page 2 | Your stories | Discussion forum

Save2Retire@55 said

I can wait but will I risk not getting Fido / Rogers cards? No clue.  

It wasn't that long ago that we applied for the Rogers card. I am guessing it took maybe 3 weeks for the cards to come, from application. And, now that they've lowered their return, things should be moving even faster there. I think you still have time, at least until the end of the month. As Rick suggested, they could arrive at about the same time.

Mine arrived with a 7K limit, which is ok with me. If the limit isn't enough, I would call them up, explain the situation, and request an increase. You should give them advance notice of your travel plans anyway. Sux having your card frozen for suspicious activity when your thousands of miles form home.

Save2Retire@55 said

Please message me if you hear from them and I'll do the same 🙂  

Will do !

Loonie said
... Seems to me that Oaken customers should get priority in CC app processing at HT, but I'm sure it doesn't happen that way!
If they're saying six weeks plus just to process, that won't include the delivery time.

It's interesting how clearly you remember Scotia's generosity way back when. That sort of thing tends to stick in one's craw, indefinitely. Their loss.  

They're handled by totally different divisions of Home Trust, like Scotia Dealer Advantage auto loans originated through auto dealer partners Scotia Plan automobile loans originated through branches and mobile banking/credit specialists. So, it's really quite different.

Cheers,
Doug

My experience with Home Trust Visa. They seem to be a bit loosey goosey. It took about a month for the cards to arrive. Oddly enough before they arrived they sent me an email saying I could use the card for auto payments. So that was the only inkling that we had cards on the way. I received my PIN number and the card a few days later although my wife received both on same day. So their delayed mailing of the card vs PIN number failed. So both cards have the same account number on them. No other account that we have with a supplementary member has the same number. All our other supplementary cards have a different number so if one card goes out of commission you still have one left to use. A great feature if you only carried one card while on vacation. So I called the 800 number and confirmed my card and the message was....both cards are now activated. hmmm the second card and PIN number were still in the mail....and now activated!!! So eventually I called the 800 number and am talking to some dim wit in the southern states. I asked why did both cards have the same number....because they are both on the same account was the response. So I explained how all of our other supplementary cards had different numbers and how convenient that can be in certain situations, which was like taking to a telephone pole so I said forget it but please tell me if I can change my pin number. Yes....call this number. So a week or so later I call the other number which is in Canada and I waited for over an hour just to ask if I could change my pin.....no was the response. So the left hand does not know what the right hand is doing!! But was mentioned that in the next months they hope to have that in place as almost every one is asking for it. Duh...good decision!! So I asked if I may have called some one in the US and the answer was likely yes as after hours in Canada they contract another company that handles calls for three credit card companies ...thus the wrong answer about being able to change a PIN number. Also please note their cards do not have the "tap" feature either.

Rick said

…The percentage they take from each transaction isn't enough? Would think that the possibility of bankruptcy and default would have a bigger impact on whether or not to grant credit.

The interchange paid to the Visa card issuer is not that much.

For an electronic card-is-present transaction, it is 1.42% in Canada for the Classic, Gold, and Platinum Visa cards.

There is a special Visa Canada program for grocery and food retailers that drops it to 1.23%. The special program for gas stations drops it to 1.18%.

The "Emerging Segments" program drops it to 0.98%. The program includes charities and utilities.

It depends on the credit card issuer.

BMO Bank of Montreal no longer requires or accepts travel notifications for their credit cards. PC Financial still does.

The issuers can tell if the card is on a trip. I don't think they can if the card is on the trip with its rightful owner, though.