tooty

1. In testing out the new user registration, I don't believe the forum is successfully sending out vadliation emails. 2. The limit to 'liking' posts is currently 0 I think.

https://www.facebook.com/groups/140037569467976/

This is not an advantage. Scotia offers the same repayment options while being superior for the reasons above.

Shanya, what exactly are your competitive advantages? Unless you can waive the Avion fee without multiple products with RBC, you have no competitive advantage over Scotia. Your visa points are of equivalent value and you have a lower credit limit.

This is a screenshot of my credit limit. You can also confirm with the Scotia rep Rod who made a few posts here: rod.mcfadden@scotiabank.com

It's highly variable. The published figure was an average of 600k two or three years ago. It has come down since and is expected to drop at least for the next couple of years.

Yes forgot to mention RBC waives the fee if you have multiple products. At best RBC is just equivalent to Scotia. I think the majority of med students won't have enough products to have RBCs fee waived.

The best two are Scotia and RBC but Scotia is a clear winner. Their visa points have almost equivalent value but Scotia charges no fee while RBC charges at least $80, if not $120 per year. Scotia also has higher max credit at 275k vs. RBC's 250k.

What rep told you this? Can you post or PM me the number?

My guess is this was possible years ago but it seems RBC has a pretty firm stance on their premiums now. By all means talk to someone at RBC and try to get the fee waived for as long as you're holding the LOC. If you get no more than 1 year waived, go with Scotia. Not even the RBC Healthcare "specialist" Edyta Deering posting in this thread knows what she's talking about. She was flat out wrong about the $39 off the premium. Now she quietly edited that part out of her post. RBC may be running a gong show. I'm sadly with RBC now and am going to see about switching to Scotia.

I think you guys should all go for Scotia. Scotia's visa points are just slightly lower than RBCs in dollar amount (Scotia 3125 pts per $25 vs. RBCs 3000 pts per $25) but Scotia does not charge an annual $120 premium. RBC's special "100,000 pts for any round trip around the world up to $2000" may seem good at first but when I looked into it, they exclude surcharges and taxes, which add up to $400-500. I have close to 100,000 RBC pts after 4 years. I looked up a trip that I would've paid $1200 for on Expedia and it would cost me 100,000 RBC points + $450. Had I redeemed those 100,000 points straight up I would've gotten $825. Scotia's debit card even gives you rewards too (in Scene pts), while RBCs gives nothing. Scotia has a higher max at $275,000, RBCs is $225,000, maybe $250,000. Seems to me like Scotia is a clear winner unless you guys can see a mistake.

My representative never told me of the $39 off the premium. I've been paying $120 every year. Can RBC correct this?

Did anyone have their RBC Avion fee waived for more than one year? If not, I think Scotia is a much better deal. Both cards give you 1 point per dollar but Scotia waives their annual $100 fee while RBC still charges $120. And Scotia gives 4 points per dollar spent at some merchants!! I just called the RBC Avion people and asked for my one-time $120 fee waive and will get that credited to my next bill. They told me no one gets more than a one-year fee wave.

They don't care what school you're from period. Get it in your head. If you make an excuse to mention that you turned down U of T for brock, you're going to look stupid. That's one of the worst things you can do at an interview short of punching an interviewer in the face. At the interview stage, they already know you're smart enough. They're focused on evaluating qualities like communication, problem solving, interpersonal skills etc. These are qualities that actually matter when you're involved in the care of a patient.

You're probably right for traditional interviews, which is why MMIs have gained favouritism in Canada. In either case, I would argue that even when undergrad school or program is mentioned in an interview it is negligible, not just insignificant at that point. sorry for being direct. Given how often ridiculous threads like this pop up, the point needs to be strong.