jfdes

Why do you not need a high score?

TD. Haven't tried to get Scotia to match it but I assume they will if I show them a copy of the paperwork?

We had our first class at UBC yesterday, and a few people mentioned they're getting Prime - 0.30 now. Is that the new competitive rate?

Oh oops haha my bad

RBC and Scotia offer the most competitive rates and products, Scotia is slightly better because they automate the interest payment process and give you better credit cards (with more years of the fee waived I think). Ultimately you'll just want to go with an option that has a good advisor who is familiar with medical students' needs, but Scotia has enough good advisors that are easy to find that you should probably just go with them.

So you don't care how many credit lines we have open, you would just reduce the LOC by the combined credit limits of the cards? Even if it is say 20k - 30k in credit limit over 5+ cards? How does this policy work with "open" cards, e.g. Amex charge cards that do not have a credit limit because you are required to pay the balance off in full every month?

Yeah, anything outside of SK, MB, and QC are pretty terrible for cell phone plans. My parents are getting reamed already with Telus though so I'm looking for other options in case they can't give them anything through the loyalty line. Does it say if you could add on an extra line for $35 to share the data/talk/text plan, like they usually allow with phones? In the Ontario one it specifically says no, but if you can for this it would be ideal. And I assume they include the phone with the plan for this, in addition to the $300 device credit off the top?

Would anybody be able to post the updated CMA plan, or confirm the details? Don't know if they are different but I am specifically looking for BC, and it needs login info I don't have just yet. https://www.cma.ca/En/Pages/telus.aspx

Central Michigan University is also pretty Canadian friendly, I was accepted with a 512 MCAT and ~3.8 GPA (although I think they liked my essays and ECs). Lots of Canadians there interviewing and accepted as well. Newer school though, and in a rural location.

Ahh ok, I've heard they've been stingy with waiving the fee for establishes Scotia clients on their new card so was worried they may not want to budge on it. Happy to hear otherwise, Chase is gone from Canada so there aren't any good 0% fx fee cards available nowadays. Looking forward to having this one for four years... Sounds good, I'm familiar with the referral game with it comes to credit cards and am happy to use yours for the LOC if you can help facilitate the process.

Great, thanks. Do they compete for clients with other Scotia reps? I'm really looking to get the latest Passport Visa Infinite Scotia just started offering, and am wondering what the best way to negotiate this is...

Ah ok, thanks. I'll be attending UBC. Should I reach out a rep in Vancouver, or is it better to meet locally to set it up (won't be in Vancouver till at least August probably).

I'd interpret it as them offering you VFMP, and it being up to you to accept or decline - so not being forced into doing anything. It probably isn't a bad idea though to send an email seeking clarification.

Can anyone recommend a good Scotia advisor located in downtown Toronto? Or maybe a good advisor in general, if this doesn't see to be done in person?

Yes, you can choose to stay in IMP if you wish. Source: http://mdprogram.med.ubc.ca/2018/05/11/waitlist-questions-2018/ What if I have accepted an offer to my second (or third or fourth) choice and have decided I want to stay there? Do I have to accept an offer to my first choice site if I receive one? You can stay at a less-preferred site if you would like to. We will take you off the waitlist for your preferred site(s). Please message us to let us know, and be aware that this decision is final. You will not be put back on the waitlist for your first (or second, etc) choice site.