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  1. Canadian snowbird would like to get Costco US $ Visa card

    General Personal Finance Talk
    Does anyone know if it's possible to get a Costco - Visa US$ credit card, if so how? As a snow birder I tried but was quickly turned down, I think because I don't have a US SSN. Costco itself doesn't do the approvals.
  2. Where does 'credit card cash back' go on my business tax return?

    Taxation
    My title says it all. I received $1200 cash back on my business credit card. I suppose I could credit 'bank charges', but that would result in a negative expense there. Or maybe it should be in some kind of 'other income' field? The cash was put back into my business bank account, and it's...
  3. Does getting a pre-approved credit card and line of credit affect mortgage renewal

    General Personal Finance Talk
    My mortgage is coming up for renewal in July. I have already applied and received a mortgage commitment from First National for a 5 year fixed closed rate of 2.69% which I intend to go with. TD has pre-approved me for a credit card and a line of credit. I am interested in getting these but want...
  4. What are the drawbacks to switching credit cards for better rewards and signup bonus?

    General Personal Finance Talk
    I am 33 yrs old, have very good credit rating, just renewed my mortgage for another 5 year term, have a line of credit and dont expect to need to borrow for anything for a while. I currently have a RBC Visa Infinite Avion card. Looking at some comparison sites they rank other cards higher...
  5. 0% APR effect on credit history?

    Frugality
    Recently I got an offer to avail 0% APR for 1 year which is not uncommon and we all keep getting it. But it made me think if I should avail the money and invest it. Now, my question is not about investing. So lets assume I can get a decent return on the money invested. The question is will my...
  6. 15,000 Aeroplan Miles bonus w/ the CIBC Aerogold Visa Infinite Card

    Deals and Freebies
    If you're looking to save up reward miles, check out the CIBC Aerogold Visa Infinite Card. Receive 15,000 Aeroplan Miles upon approval and first purchase, and earn miles twice when using your Aeroplan card in conjunction with your Aerogold Visa Infinite Card! With the 15,000 miles you can get...
  7. Advise on Bad credit due to wrong address by shop

    General Personal Finance Talk
    Hi, I need some advice here. I bought something off best buy on 2011 FEB through best buy CREDIT. At this time, I was living on Address: AAAA. I never received any payment letter from BEST buy since August 2011. Therefore, I went to best buy an enquired them, and they told me to wait until I...
  8. TDS calculation for credit cards with no balance

    Real Estate
    I was wondering how the credit card debt is factored into TDS calculations if there is no balance. For example, I have a Visa with a $2,000 limit, but I never carry a balance. I put a few hundred dollars on it every month and pay it off right away. The TDS calculators always ask for credit card...
  9. Credit Cards for Saving

    Frugality
    A great way to save some cash is to get a dividend dollar credit card. As long as you pay off the full balance every month is like free money. I just signed up for the new scotia momentum card: 2% cash back on groceries, gas, etc; and 1% on everything else.
  10. Insurance on credit card purchases

    Frugality
    Hi all, I just wanted to share with you something I just discovered recently. My Mastercard claims to insure new purchases against lost, damage or theft for 90 days. So when I fried my new laptop by pouring a glass of wine into it :eek:, and of course "liquid" damage is not covered by the...
  11. Credit Card or Cash fro travelling in Europe

    General Personal Finance Talk
    I am going for my honeymoon in August (Spain, Italy, and France) for 3 weeks and I haven't traveled as an adult to Europe. Should I take my credit card (easier for me), or should I take out traveller cheques or cash? I get miles on the credit card but I don't know the exchange the credit...
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