All Questions
Tagged with canada credit-card
59
questions
4
votes
1
answer
233
views
Can a prepaid Amex be legally allowed to expire in Canada?
While moving, I recently found an old prepaid Amex card that I had originally selected from my then-employer's "recognition" benefits program. The card expired in 2013, but my understanding ...
- 42.7k
1
vote
1
answer
132
views
Does the customer have obligations under Know Your Customer?
I have a credit card with a Canadian bank that I do no other business with at all - no accounts, no loans, no investments. They sent me a letter asking me to confirm that all the salient details are ...
- 13.4k
4
votes
5
answers
3k
views
When is a transaction not "normal" and considered a cash advance?
I had recently opened a Wise account which required an initial deposit to be active. It had an option to make the initial deposit by credit card. One of my credit cards froze the website and the bank ...
- 497
0
votes
1
answer
181
views
Must the Credit Card Issuer refund Card Holder, for deposits paid to a Merchant that later bankrupt?
Presuppose that a Card Holder charged or debited her credit card, to pay deposit money to a Merchant company for a good. But then Merchant bankrupts, before Card Holder ever obtains the good. ...
user116038
2
votes
0
answers
110
views
When does a foreign transaction fee apply to a credit card (especially from shopping online)?
I assume if you go to another country and use a credit card, then the foreign transaction fee will always apply.
What if I use a credit card to make a purchase from an online store? Does it depend on ...
- 497
3
votes
3
answers
252
views
What's the difference between a soft and hard credit check?
I understand that hard credit checks negatively impact a person's credit score. Why would it work this way, because it's seen as a negative thing to be applying for credit cards too often? Even then ...
- 69
1
vote
4
answers
553
views
Planning on having all bills due on the same day
I currently have 3 credit cards, one of which I virtually never use. I'm planning on calling the companies and asking to change the billing cycle so they end on the last day of each month. This would ...
- 1,119
0
votes
1
answer
145
views
Is it best to pay off credit cards as close to the due date as possible? Is it bad to pay mid cycle? [duplicate]
I will preface with I have a very bad sense about these sorts of things. When is it a good idea to pay off a credit card balance before the end of a cycle?
For example a statement period is Apr 13 to ...
- 1,119
2
votes
1
answer
1k
views
Is it a concern if the pending transaction date is wrong on credit card? [duplicate]
I have 8 pending transactions on my credit card. Yesterday I went to a store and bought something with it. But the transaction shows up with today's date instead of yesterdays. Today I bought ...
- 1,119
3
votes
3
answers
23k
views
If you buy something with one credit card, and refund it to another, do you get to keep the points/cashback/etc from the purchase?
To my understanding most stores have policy that a refund must be done to the same card that was made to use the purchase. However this is not always the policy and I don't think there's a legal or ...
- 69
3
votes
1
answer
2k
views
When should I give my Social Insurance Number to a Credit Card Company (or anyone else for that matter)?
When applying for an American Express card, it asks me for my social insurance number (SIN) but it is optional. Should I give it? The site states
We encourage providing your SIN for more accurate ...
- 264
1
vote
1
answer
86
views
How to find comprehensive agreement before getting credit card?
I'm looking to get another credit card. Generally speaking I find it difficult to cut through the marketing talk to find out what I'd really be getting myself into. I'm looking for one with high ...
- 264
6
votes
5
answers
2k
views
Assuming you already have the money, how to tell when/which day of the month to pay off credit card balance?
Maybe this is a simple question but I have a really bad sense about these type of things. When I got my first credit card the teller "did me a favour" and said if I always paid it off in ...
- 1,119
3
votes
1
answer
553
views
How do I update my address with Transunion and Equifax and what are they?
I recently applied for a credit card with a bank I had never done business with before. One day I got a confusing call from them. From what I understood Equifax and Transunion have an old address on ...
- 264
40
votes
14
answers
12k
views
Why would someone get a credit card with an annual fee?
I currently just have a Visa credit card. A place I shop at doesn't accept them. I'm looking at getting a second credit card such as Mastercard. I am surprised by how many highly recommended cards ...
- 1,119