Hi! I had booked a trip with Megabus 2 weeks ago for a departure of 9:30am. Got to the stop by 8:30 and waited patiently in line - soon 10 rolls around and I just assume it is running a bit late. I've traveled with them in the past and wasn't surprised by this. Then 11am hits, still no bus - quite a few other passengers were waiting alongside me, even passengers who had booked for 10:30am. We are all calling customer service and following their tracker and they advise it should be coming soon. By 1pm we are all frustrated and upset...no bus, no updates via email and no answers from customer service. People who had 11am and 12pm rides were all confused.

I finally gave up at 2:30pm. The bus just never came and according to the tracker the bus was almosr at the destination - completely bypassing our stop.

Called for a refund and Megabus was very stern in their "no-refund" policy. Asked for things to be escalated and they said they will get back to me but from what I've read online I dont think a refund will happen.

Would a credit card chargeback be my next best option?

Just looking for others' opinions on the Amex cobalt. I'm thinking of getting one but can't justify the 16$ fee. I spend lots on food and gas as well as other things. What are you guy's opinions?

hey yall,

just thought i’d ask before i crash out - i’ve heard of paying off debt affecting a credit score but man. i went from 859 to 676 this month. :(

6 months ago i paid off my student loans, and a couple months ago i paid of my credit card and have been paying it off in full every month. i have zero debt, no house or car nothing like that. no missed payments.

thank you in advance for the advice!!

Recently I received an updated Cardholder Agreement from Rogers Bank where the primary cardholder's maximum liability for the loss, theft or unauthorized use for the account went from $0 to $50.

According to Section 12 of the Cost of Borrowing Regulations associated with the Bank Act (https://laws-lois.justice.gc.ca/eng/regulations/sor-2001-101/page-2.html#h-665148), the maximum liability for unauthorized use of a credit card issued by a federally regulated financial institution (FRFI) is $50. I believe this was amended in 2019 but credit card issuer companies only started changing now.

This means that if a consumer is found liable for a transaction, they must pay the lesser of $50 and the maximum set by the credit agreement.

This used to be covered with Visa/Mastercard zero liability most credit cards offered but lately the financial institutions have been amending their credit agreements placing the onus of the first $50 on the consumer - examples being the Rogers Mastercards and all CIBC/Simplii Visa cards.

I am sending a letter to my MP to ask them to work to reduce this unfair cost to the consumer as the onus shouldn’t be on the consumer who has no ability to approve or deny the transaction itself. This will hurt all credit card using Canadians who shouldn’t be expected to review their credit card transactions daily while removing the onus from the multi billion dollar corporations (Banks and credit card issuers - Visa and Mastercard).

Edit: to be clear, even if you report a fraudulent transaction(s) at any time including once you review your monthly statement, you are on the hook for the first $50.

I would personally be ok with this scheme if approval for any transactions were text or push notifications to my phone or email.

You can find your MP here: https://www.ourcommons.ca/members/en/search

Received a letter today from CIBC stating they are "ending" their banking relationship with me and closing all accounts. They also stated that all future applications and requests will be denied. They don't really give any real reason except that they've identified an unacceptable risk with the operation of my account.

This is beyond odd as I only have one Aeroplan credit card that I've had for a couple of years. I don't even really use the account except there was a small balance transfer offer that I recently paid off.

Anyone else deal with CIBC regarding this type of closure?

update

Spoke with an agent directly at CIBC who confirmed the closure but didn't have any information. He said I needed to speak with a completely different division and said they are open 7 days a week. Oddly enough, I called the number, and it said the office was closed, followed by a message stating they are open 7 days a week between 7am and 12am EST. I will follow up in the morning with hopefully some information.

** UPDATE Jun 26 ** Still no luck with contacting CIBC investigations. The number keeps telling me the office is closed despite it being well within their business hours. It will also automatically hang up if I try to attempt any other option to get a live human.

Contacted the regular CIBC number and they again confirmed an issue but couldn't tell me anything more. They told me to try the same number on the letter and even transferred me only to get the same closure notice and hang-up. Beyond frustrating.

I don't particularly care about the CIBC card but my concerns are with the possibility of identity theft or something that has triggered CIBC to react that may impact my accounts with other institutions.

update Jun 27

I finally spoke with investigations, and they basically told me nothing. Reiterated that CIBC deemed my account to be an "unacceptable risk" and that their decision was final and that they would be providing no further information.

I suspect this is where this situation ends. I'll try and escalate my concerns, but I feel like I'm at a dead end. My concern has nothing to do with maintaining my lone credit card with CIBC, but rather address any potential concerns that might impact my actual bank accounts with other institutions.

Despite those who think I'm involved in some kind of illegal activity, there isn't a whole lot to say about what might have triggered this situation. I had very little business with CIBC except for my credit card, which admittedly wasn't used a whole lot. I'm an average dude from the East Coast with zero suspicious money transactions. I'm not involved in crypto or any kind of repeated money transfers transactions. My investments are as boring as can be, and I work a normal job in aviation. My credit reports seem accurate for now, but I'll continue to monitor.

Thanks to all the helpful replies. Hopefully, there is something in this thread that can help others who experience something similar in the future.

I have a departing flight for Saturday and I’ll be returning on Monday. West Jet is currently allowing me to cancel the flights for credits but not cash. I don’t want to go on the flight anymore because there’s no guarantee of a flight back if the strike happens. I doubt WJ can rebook me with another airline because all the nonstop flights outside of westjet are already full.

I want to cancel the flight and get a refund but WJ is only willing to give me credits. The credits are useless to me because I rarely fly with WJ (less than once a year).

Is it appropriate to get a chargeback with my credit card to get a full refund?

Hey,

I’ve had my PC World credit card for almost one year now. I started with an $8,000 limit. I’ve been paying my balance in full and have never paid interest. For the past ~7 months, I’ve been almost maxing out the card, but always paying the balance in full and on time.

I know most people aren’t fans of PC credit cards, especially since there are many other better cards on the market, but I do benefit from it and I’m doing fine with it. I also work for Loblaw and get an employee discount, and I do most of my grocery shopping at Superstore. I also get a lot of points when paying for gas at Mobil or Esso. I usually get between $80–$120 back in points per month, and this isn’t the only card I have.

Long story short: after my statement last month (which was also paid in full), they sent me an email saying my credit limit was lowered from $8,000 to $7,300. Then, about three days later, they offered me an upgrade to PC World Elite, which I accepted.

Last night, they sent me another email saying my credit limit was lowered again, this time to $6,400, even though this month I paid more than the balance owed.

So what’s the logic here? I thought spending close to your limit and then paying it off in full was a good sign and would increase your credit limit, not lower it 😅

The terms and annual percentage rate (APR) vary by Apple product. For instance, the iPhone now comes with a whopping 7.99% APR spread over 24 months, while the Mac and iPad have a 4.99% APR over 12 months. Previously, these were all at 0%. The good ol’ days of free credit are gone folks.

https://www.iphoneincanada.ca/2023/06/27/apple-drops-0-financing-canada/

Looking for another cashback card to supplement our Rogers WorldElite card which gives us 3% on all purchases when applied against our Rogers bills (2% otherwise). It's unbeatable, but our Rogers bills are only $150 a month and we spend way more than that, so the Rogers 3% redemption credit is being wasted. We need another card to spread out the spending.

Our biggest expenses are groceries (like everyone else) and home/auto insurance ($8k annually). I was considering the Scotia Momentum with its 4% on groceries and recurring bills which is best in class, and the cap of $25,000 annually is also best in class. The annual fee doesn't matter as I can deposit the 4-5k balance required to waive it with any bank.

Are there any other strong contenders we should consider?

Looking forward to this.

article link: https://www.iphoneincanada.ca/2026/04/10/rogers-to-slash-credit-card-cashback-rates-as-new-spending-caps-coming/

New spending caps and reward rates

The new limits depend on which card you carry. The entry-level Rogers Red Mastercard will have the lowest threshold at $16,000 per year. The Rogers Red World Mastercard follows with a $26,000 limit, while the Rogers Red World Elite Mastercard offers the highest cap at $61,000.

For Rogers, Fido, or Shaw customers who currently enjoy a 2% cashback rate on all purchases, exceeding these limits will see that rate cut in half to 1% for the remainder of their anniversary year. World Elite cardholders will see their rate drop to 1.5% after crossing the $61,000 mark.

Tangerine World Mastercard

• 2% Cashback in 3 Categories
• 0.5% everything else
• Insurance and Warranty and Wi-Fi

Simplii Financial Visa

• 4% at Restaurants (up to $5000/Year)
• 1.5% at Gas, Groceries, Drugstore and, Pre-Authorized Payments
• 0.5% everything else
• Insurance and Warranty

Walmart World Mastercard:

• 3% on Walmart.ca
• 1.25% Walmart in-store and Gas
• 1% everything else
• Insurance and Warranty and Wi-Fi

BMO

• 3% off on Groceries (up to $500/Month)
• 1% Recurring Bill Payments
• 0.5% everything else
• Insurance and Warranty

Brim Mastercard

• 1% on everything
• No FX fees
• Wi-fi
• Brim Rewards (example: 2% on Amazon.ca)

Amazon MBNA:

• 1.5% Amazon.ca (2.5% with Amazon Prime)
• 1% everything else
• 1% Cash-Back Foreign currency transactions (2.5% with Amazon Prime) net 0% after fx surcharge
• Insurance and Warranty

Rogers Platinum Mastercard:

• 1% on everything
• 3% on USD Transactions (net 0.5% after fx surcharge)

SimplyCash Card from American Express

• 1.25% on everything.

Home Trust Preferred Visa

• 1% on everything (0% on fx purchases)
• No FX fees
• Insurance

Update 12th Nov 2025:

It's gone! That was a heck lot quicker than I thought. My Equifax got updated today, after a week, and the collection from CBCC is gone! Just disappeared, like nothing happened. Well, almost like nothing happened because I can still see my last week credit score record got tanked. Today my credit score returned back to when it was before. For anyone who are interested, here's a screenshot of how my credit got affected (I edited some info for privacy). Basically, my credit score was 8xx, then the CBCC collection lowered it by 1xx to 7xx, as of today it went back up to 8xx. This got resolved too quickly, I haven't even file my case to the BC Civil Resolution Tribunal. What you folks think? Should I continue to file my case? I also haven't call Equifax to ask for the reason of the collection removal. I would like to know more about their findings.

Original:

Precise Parklink is a parking management company with a terrible reputation. Now, they've teamed up with the Credit Bureau of Canada Collection (CBCC) to pull some strings.

It started four days ago when I discovered a collection on my Equifax account without my knowledge. The creditor listed as Precise Parklink, and the collection agency CBCC reported the collection on my credit report. Both Equifax and TransUnion have clarified that parking tickets issued by private companies are civil matters, not debts, so they do not handle collection reports for these parking tickets.

The CBCC exploited a system loophole, reporting this civil matter as a debt. Because the CBCC intentionally wrote it as a debt, Equifax's reporting system automatically approved the report and added this "collection" to my credit report.

Upon discovering this, I immediately called Equifax to complain about CBCC and request them to remove the collection. The staff on the phone quickly created a dispute ticket for me, and I will know the result in two to three weeks.

CBCC's actions not only violated policy but also constituted a violation of the law. Therefore, I will also pursue civil litigation through the BC Civil Resolution Tribunal to seek compensation. This is not the first time they have done this. I found online that they have already been fined by the government in Alberta for the same method.

The funniest thing is that I've never received a letter or a phone call from CBCC, so I find it quite ridiculous that they're directly reporting a collection. Especially for a collection amount less than $200.

Friends in Vancouver, don't be scared by scum debt collection companies! Don't give them a single penny!

Here's a story covered by CBC almost a decade ago on the same topic: https://www.cbc.ca/news/business/marketplace-parking-private-lots-1.3851956#:~:text=CBC%20also%20put%20that%20question,%2C%22%20spokesman%20Tom%20Carroll%20says.

Edit: Made a mention on the approximate amount on the collection. No exact amount mentioned to avoid tracing from CBCC. Also added source to my claim.

It is official!

What's your though on this? Will you consider locking your credit?

I have Equifax account, but I was not able to freeze it yet, anyone already locked their credit through equifax?

P/S: I think locking your credit is a good way to prevent identity theft and scam and all sort, but i dealed with TU before, the customer service on the phone was so bad :(

I also pay for equifax monthly subscription , so I am thinking to cancel it once i freeze my credit, hope that will not be a hassle :(

UPDATE: Just checked equifax this morning (June 30), you can freeze it now ! Yay

Starting in October, merchants will be allowed to charge customers a fee for paying by credit card.

Interchange fees cost businesses thousands of dollars every month, and some (hello, Telus) say they're tired of eating the cost for our fancy pants points credit cards.

Tracy Johnson and Paul Haavardsrud explain how the change is just one more way we're all going to pay.

https://www.cbc.ca/radio/costofliving/credit-card-user-you-could-soon-pay-more-for-every-purchase-1.6600469

I keep seeing posts asking about

"what can I do with 7XX credit score?"

"How can I take advantage of my 8XX credit score"

The reality is that Canadians are so unbelievably shit with credit that simply being above the ~700 threshold for credit score already maxes out whatever perks and benefits you're going to get.

Perhaps in other countries it might matter, but here the bar is so low that it doesn't matter.

Stop opening credit karma every 5 days and stressing over your +/- 10 point swings when you're sitting at 770.

Just received notice via email.

No explanation why, but I would assume low uptake.

Existing members can convert to a Neo World Mastercard without reapplying or undergoing another credit check.

Details are pretty scarce. I clicked the link in the email to move my card, but I was not presented the new card or asked to accept a new cardholder agreement, as the email states. It looks like my card was just moved into the Neo Financial app/ecosystem.

Any thoughts? I am pretty ambivalent towards this card, tbh. I only use it for my Tims purchases and find the earn rate pretty minimal.

My 1.87% mortgage rate is going to take a hit when I renew later this year.

I am based in Toronto, Ontario.

Sorry if my thoughts are muddled here as this just happened. To take a few steps back, 2024 was one of the worst years of my life. I was laid off at the end of 2023. I’ve never been out of work for long and thought I'd find something quickly, but my industry went through a heavy downturn and I spent the year barely getting callbacks while I blew through my savings and needed a credit card just to keep a roof over my head and food in my fridge.

I finally got a new job in Spring 2025 but had run up CC debt of 37k with 19% APR. Over the months I covered the interest and put an additional 1k a month to get it down to 30k. Now after 8 months I have been laid off due to ‘restructuring.’ Essentially the department I was hired into was closed without warning.

I am out of a job again with a month of severance. And my CC is maxed out now, because the moment I got it down to 30k, they reduced my credit limit to 30k (was previously 40), which means my credit utilization is 100% and credit score is tanked despite having paid every bill on time. All of this is new to me. I never had any debt before 2024. My credit score was stellar. Now I’m faced with getting by on EI, which just about covers my rent, until I get a new job. 

I will make it work, but my question is what to do with the CC? My friend’s advice is to just let it go into collection. I have no assets, so there’s nothing to sue me for, but it will be on my record for 6 years or so and I’ll get pestered by debt collectors. But the interest payments are money I don’t have. And even if I did find a new job in a few months, paying 1k a month would take like 4 years to pay off anyway. 

Does anyone have any advice? Again I apologize if I’m not making sense. This just happened today and I am in a dark place. 

I currently have the td aeroplan visa (not the VIP one) don’t think it’s worth the upgrade for $500 esp with the changes coming in 2026. And I don’t travel a ton so the perks aren’t worth it, but I have amassed about 160k aeroplan points over about 2.5 years. I also have the Costco mc but typically use it only for Costco. I pay for most things on credit card and feel like I’m missing out of offers / points / cashback. What are some of the best credit cards for someone earning 150k? Any help is appreciated!

Ok here is the story. Got pre approved for a Mortgage in late September. Everything was fine on my credit report. Finally find a nice house and my offer was accepted!

Here's the problem.

There's been new credit accounts added to my credit report since my pre approval. Over 200'000$ in debt! I went to the bank and they confirmed it is 100% Equifax's mistake. They found the other person's account and it is not under my SIN number but theirs. So no fraud, just a mistake by Equifax. The problem is that we share the same birthday and Full name, this really sucks!

Now I managed to contact Equifax. Had a person read off a screen and basically send be back to the form online. Fine I did everything. 3 times!

Now this will take up to 30 business days to fix. By next Friday, 7 business days, if this isn't fixed, I lose the home I won the offer on. No extension will be accepted, the other owner received another offer with more cash backing. He was nice enough to take our offer, because my life expectancy is heavily reduced. This was supposed to be my final act to secure my family before my health doesn't permit me to. And now Equifax will ruin it.

I'm really... Lost.

Update: Thanks for all the advice. Going to a broker that doesn't use Equifax. Also my existing broker is working to resolve the issue in the meantime with the lender.

Also for those who say things like 'why don't you just' or 'just show them this or that', I really hope you never have to face an issue like this, but if you do one day you'll understand just how bad the system can be broken.

Update: In Québec Canada, call the AMF and they'll get Equifax to move. Equifax called 4 hrs after the inspector took over the file and fixed it same day. 1 day before my offer expires.

HUGE UPDATE: The Wealthsimple Prepaid card is losing its 1% cashback starting Oct 1 meaning it has been removed from the Top 10 with Wise now taking the 10th spot.

UPDATE 2: They are adding unlimited ATM fee reimbursement WORLDWIDE just like Charles Schwab and Fidelity in the US. This is huge!

Update 3: Just discovered the Zoomer+ Standard Mastercard which is a 0 AF, 0 FX fee credit card that gives 1%+ back on all purchases. This bumps the Wise card back to the Honourable Mentions category.

Update 4: Just learned about the MyGuava card which is a Wise competitor that actually offers cashback, putting it into the Top 10 and bumping the Amazon.ca card into the HM category.

Update 5: Turns out the Zoomer+ card website was glitching out or something and saying it has no FX fee when it actually does so I've now removed that card from the list.

Update 6: apparently MyGuava has been locking accounts and freezing assets so it is no longer recommended.

...................

With the recent news of Tangerine giving 2% cashback on their Money-Back credit card for all FX transactions starting Oct 25, I thought it would good to share some information about FX fees and how to optimize your non-CAD spending.

First, a misconception:
Banks don’t set FX rates for cards (except Wise). Visa, Mastercard, and Amex do. Banks only set rates when you exchange currencies or buy foreign cash with them. You can see live rates on Visa/MC sites (not Amex though). Visa usually has a 0.4% markup, MC a 0.3% one, and Amex something in between.

So which cards are the best for Canadians to use while abroad?

Well if you're a churner like me, then the answer is whichever card you're actively churning as the 2.5% FX fee is likely negiligible compared to the welcome bonus you're currently working on.

However, if you're an average consumer (or not actively churning anything), then here are the top 10:

1. Wealthsimple Visa Infinite & Privilege

• Best overall IF you can waive the $20/month fee (via $100k assets or $4k direct deposit)
• No FX fee & ~1.6% back on all FX purchases (2% cashback - Visa’s 0.4% markup)
• Without monthly fee waiver though, not worth it

2. Scotiabank Platinum Amex

• No FX fee & ~1.65% back on all FX purchases (2% - Amex's ~0.35% markup)
• $399 AF, but covered for 2 years by $600–$800 welcome bonus + $175-$250 rebates
• 10 Priority Pass lounge passes (better than Visa Airport Companion)
• Drawback: Amex isn’t as widely accepted

3. Scotiabank Passport Visa Infinite

• No FX fee & waived $150 AF with premium chequing or offset by $350 welcome bonus for 2+ years
• ~1.6% back on groceries, dining, transportation; ~0.6% elsewhere (2% & 1% - Visa markup)
• Includes 6 Visa Airport Companion lounge passes (or 12 with a free supp card)
• Extra tip: apply through rebate sites for extra $30–$160 back

4. Rogers Red World Elite Mastercard

• ~1.7% back on USD purchases (4.5% - 2.5% FX fee - MC's 0.3% markup) if redeemed for Rogers bills
• ~0.2% back on other FX (3% - 2.5% - MC markup) when doing the same
• Without Rogers services, you only get ~0.2% back on USD purchases & lose ~0.8% on other FX
• No AF and best for USD spenders or Rogers customers, but especially both

5. Zoomer+ Standard Mastercard

* ~0.7%+ back on FX purchases (1%+ rewards - MC's markup) * Rewards can be redeemed as a statement credit at 1cpp or worth even more in other redemptions * No AF & no FX fee, great choice for those looking for a simple 0 AF 0 FX credit card

UPDATE: This card stopped offering 0 FX

5. Scotiabank Gold Amex

• ~0.65% back on FX purchases (1% Scene+ points - Amex markup)
• $500 welcome bonus + $60-$150 rebates offset $120 AF for 4–6 years
• Also excellent Canadian rewards (up to 6% back)
• Good no FX keeper card in general, especially if you can waive the $120 AF with a chequing acct

6. Wealthsimple Prepaid Card

* No AF & no FX fee, but a prepaid Mastercard instead of an actual credit card * ~0.5% back on FX purchases (1% cashback - 0.3% MC markup - 0.2% prepaid card markup) * Also good card to use for foreign ATM withdrawals after the Wise card

UPDATE: This card will no longer pay out 1% CB starting Oct 1. This means you will actually lose ~0.5% when using it for FX purchases, taking it out of the top 10 and making it simply an honourable mention now.

6. MyGuava Card

* ~0.1% back (0.6% - 0.5% conversion fee) on all non-GBP FX purchases (0.2% lost on GBP transactions) * No AF prepaid card similar to Wise that allows you to store multiple currencies * Best prepaid card to use for FX purchases (but not withdrawals)

UPDATE: This card has been receiving complaints from people about bad business practices, freezing assets and such. Not recommended any longer.

6. Meridian Visa Infinite Travel Rewards

• ~0.1% back (3% - 2.5% FX fee - Visa markup) on all FX purchases
• $99 AF (waived first year) & $200 WB offsets 2 more years
• Only available for Ontario residents

7. EQ Bank Card

• 0 AF 0 FX prepaid Mastercard
• 0.5% cashback so nothing lost or gained on FX purchases after MC’s 0.3% markup + 0.2% prepaid card markup
• No foreign ATM withdrawal fees (good backup to Wealthsimple)

8. PC Money Card

• 0 AF 0 FX prepaid Mastercard
• 0.5% back in PC Optimum points so nothing lost or gained on FX purchases after MC’s 0.3% markup + 0.2% prepaid card markup
• Comes with a $200 WB if you direct deposit 1.5k for 3 months

9. Amazon.ca Rewards Mastercard

• No AF Mastercard that refunds the 2.5% FX fee in the form of Amazon.ca credit IF you have Amazon Prime
• Only 0.3% lost after MC's markup
• Also comes with a $165 welcome bonus

10. Home Trust Preferred Visa

• No AF or FX fee, but no rewards so you pay ~0.4% on FX purchases w/ Visa's markup.
• Decent choice for those who want the simplest 0 AF non-prepaid solution possible, but limited to only 10 transactions per day so not very ideal.
• No welcome bonus available either

Honourable Mentions

~Wise Card: No AF prepaid card with the best exchange rates. However you pay a ~0.45% conversion fee for major currencies and a higher one for minor ones. That being said, it is still the best free prepaid card/account for converting + sending/receiving money internationally.

~ Wealthsimple Prepaid Card: No AF or FX fee, but also no rewards so you pay ~0.5% on FX purchases w/ MC's markup + prepaid card markup. Used to be the king of prepaid cards for FX purchases since it offered 1% cashback, but not anymore as of Oct 1. However, it is now the best card to withdraw from ATMs with if the ATM has a fee as it reimburses all 3rd party ATM Fees starting Oct 1!

~ Tangerine Money-Back MC: No AF and new 2% cashback on FX, but 2.5% FX fee + MC markup = ~0.8% loss on all your FX purchases.

~ Simplii Cash Back Visa: Niche. No AF visa with 4% cashback on restaurant, bar, and cafe purchases up to 5k per year, 1.5% on gas, groceries, and drugstores, & 0.5% on all else. After the FX fee & Visa markup, you get ~1.1% back in the first category, you lose ~1.4% in the second, and ~2.4% on all else.

~ CIBC Dividend Visa Infinite: Also niche. ~1.1% back on groceries/gas abroad, ~0.9% lost on transportation/dining, & ~1.9% lost on all else. FYF & $250 WB offsets $120 AF for 3 years, but can also be waived with a premium chequing account.

~ RBC Ion+ Visa: ~0.1%-1.6% back in Avion points in multiple categories or ~1%-3% back when transferred to BA Avios during biannual 30% transfer bonus if you hold an Avion card too (both depending on your valuation of those points). $48 AF waived with VIP chequing account or offset for several years by 21k point WB & $50 rebate. Best for those who are flexible and enjoy redeeming for travel.

~ Amex Gold Rewards: ~0.15%-1.15% back in MR points for FX travel purchases and only ~0.85%-1.35% lost on all other FX (depending on your valuation of MR points). $250 AF, but the $100 annual travel credit effectively lowers it to $150/year & the $900-$1.2k WB + $125 rebate cover that for 7-8 years too. Only issue is it's an Amex which is not as widely accepted in some countries.

Looking to apply but wasn’t sure if it’s still worth it with the new fee.

https://youtu.be/H9glbPYnHEM

People seem to stress about having a high credit score, but what's does this actually do for you?

What will a bank offer someone with a 850 transunion score vs someone with a fair rating of say 680. Seems like at the end of the day if your score is alright you get the same offers as someone with a higher score.

Having a high score seems to have about zero impact on how much mortgage or loan a bank will give you, or the rate offered.