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Lines of Credit for Medical Students (Scotia is the best option)

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5 hours ago, dwightschrute123 said:

Hey Everyone, 

I know people have been saying its taken a week or more to have their LOC up and running after speaking to an advisor. However, do you have access to the credit cards before that time? I have a few large purchases to make and I would like to be able to capitalize on the rewards of the new cards. 

Thanks!

Here is my timeline this year..

  • Applied.
  • I had access to my new chequing account the same day I applied
  • I waited 4 weeks exactly to have my LOC approved and I signed the forms that day. 
  • I still have no access to my LOC and the interest rate is wrong.
  • The credit card was just shipped, told to wait 10 business days, and no rewards points applied at this moment.

Worst experience ever. 100% switching advisors. Regretting this bank already. 

So altogether, it will be 6 weeks for me to receive a physical credit card and a little less for my LOC. 

 

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13 hours ago, Dalhousie23 said:

Here is my timeline this year..

  • Applied.
  • I had access to my new chequing account the same day I applied
  • I waited 4 weeks exactly to have my LOC approved and I signed the forms that day. 
  • I still have no access to my LOC and the interest rate is wrong.
  • The credit card was just shipped, told to wait 10 business days, and no rewards points applied at this moment.

Worst experience ever. 100% switching advisors. Regretting this bank already. 

So altogether, it will be 6 weeks for me to receive a physical credit card and a little less for my LOC. 

 

Ooof that’s terrible. Just goes to show how variable some banks are at different locations such. Sorry for your pain.

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