mcatthrow101 0 Posted June 26, 2018 Report Share Posted June 26, 2018 11 minutes ago, AAAmeds said: I was asking mcatthrow101 since he/she got the premium credit card for no annual fee WITHOUT having an LOC with RBC just by stating he/she's a medical student as he/she claims. I am aware you can get a credit card with no AF with an LOC with RBC or Scotia but thanks. I got the RBC Avion Visa Infinite, the same one advertised with the project. It didn't need any negotiation, I just asked for it. Quote Link to post Share on other sites
AAAmeds 32 Posted June 26, 2018 Report Share Posted June 26, 2018 1 hour ago, mcatthrow101 said: I got the RBC Avion Visa Infinite, the same one advertised with the project. It didn't need any negotiation, I just asked for it. Oh you probably got it when they were offering the "First year no annual fee" promo. I dont think banks would give premium cards for no annual fee to us just because we're medical students without signing an LOC with them. Quote Link to post Share on other sites
GTA Med Advisor 25 Posted June 26, 2018 Report Share Posted June 26, 2018 On 6/24/2018 at 2:57 PM, mcatthrow101 said: Do you know if we can get just the credit card with Scotiabank and fees waived without the LOC? You can not - you'd have to get the LOC as part of the package, but that doesn't mean you'd have to use it. You can just have it set up and sit there without ever withdrawing from it if you dont need it. Quote Link to post Share on other sites
canada747 59 Posted June 26, 2018 Report Share Posted June 26, 2018 I've got my meeting today with Scotia. Anything I should know about/be aware of going in? What should I pay special attention to? Quote Link to post Share on other sites
mcatthrow101 0 Posted June 26, 2018 Report Share Posted June 26, 2018 12 hours ago, AAAmeds said: Oh you probably got it when they were offering the "First year no annual fee" promo. I dont think banks would give premium cards for no annual fee to us just because we're medical students without signing an LOC with them. No, they gave it to me under the med students offer with 30k points. The first year no annual fee promo is 25k points, and the regular promo is 15k points. I also would not have reached anywhere close to the minimum income requirements to get it in any way but through the med offer. Quote Link to post Share on other sites
AAAmeds 32 Posted June 27, 2018 Report Share Posted June 27, 2018 17 hours ago, mcatthrow101 said: No, they gave it to me under the med students offer with 30k points. The first year no annual fee promo is 25k points, and the regular promo is 15k points. I also would not have reached anywhere close to the minimum income requirements to get it in any way but through the med offer. Is it gonna be no annual fee forever or just for a year/a few years? And did you have the choice to go with any of RBC's premium cards? Quote Link to post Share on other sites
fz90 0 Posted June 27, 2018 Report Share Posted June 27, 2018 can someone please provide the contact for a good scotiabank advisor in the downtown toronto area? Quote Link to post Share on other sites
la marzocco 351 Posted June 27, 2018 Report Share Posted June 27, 2018 35 minutes ago, fz90 said: can someone please provide the contact for a good scotiabank advisor in the downtown toronto area? Lynne Owen lynne.owen@scotiabank.com 416-866-3940 x4206 Quote Link to post Share on other sites
Comprehensible 40 Posted June 28, 2018 Report Share Posted June 28, 2018 So I'm having trouble getting ahold of someone from scotiabank, and RBC wants to talk on the phone instead of in person because they want me to talk to someone where my school is, not where I currently live. Is there any point trying to talk to any of the other banks? Or are they way too far behind? Quote Link to post Share on other sites
docK 1 Posted June 28, 2018 Report Share Posted June 28, 2018 any news on when Scotiabank plans on updating these new changes? Quote Link to post Share on other sites
j17f 221 Posted June 28, 2018 Report Share Posted June 28, 2018 52 minutes ago, docK said: any news on when Scotiabank plans on updating these new changes? Someone I know who signed up with Scotiabank recently was given 325k for their LOC. Maybe that's it? Quote Link to post Share on other sites
Confluence 4 Posted June 28, 2018 Report Share Posted June 28, 2018 54 minutes ago, docK said: any news on when Scotiabank plans on updating these new changes? The advisor I spoke to said that that max is increasing from 275k to 300k. Not sure exactly when it’ll be updated though. Quote Link to post Share on other sites
j17f 221 Posted June 28, 2018 Report Share Posted June 28, 2018 14 minutes ago, Confluence said: The advisor I spoke to said that that max is increasing from 275k to 300k. Not sure exactly when it’ll be updated though. @friedchickendudeMD Bluecolorisnice 1 Quote Link to post Share on other sites
GTA Med Advisor 25 Posted June 28, 2018 Report Share Posted June 28, 2018 1 hour ago, docK said: any news on when Scotiabank plans on updating these new changes? I'm sure it will be posted here as soon as we know. docK 1 Quote Link to post Share on other sites
Bluecolorisnice 21 Posted June 28, 2018 Report Share Posted June 28, 2018 I spoke to an advisor at Scotia who said it is even possible to get 325,000. It is possible to get between 300-325,000. docK 1 Quote Link to post Share on other sites
indecisivePremed 2 Posted June 28, 2018 Report Share Posted June 28, 2018 Does the LOC depend on the advisor you get? I spoke to someone at Scotia who said that the offer is at prime interest rate, but I thought it was prime minus 0.25 and she said there are no changes that will be made soon/275 is absolute max Wondering if it's something about my record though I don't have bad credit, I think? Quote Link to post Share on other sites
Bluecolorisnice 21 Posted June 28, 2018 Report Share Posted June 28, 2018 I think it depends on the advisor. They have ability to negotiate or increase the limit. docK 1 Quote Link to post Share on other sites
GTA Med Advisor 25 Posted June 28, 2018 Report Share Posted June 28, 2018 42 minutes ago, indecisivePremed said: Does the LOC depend on the advisor you get? I spoke to someone at Scotia who said that the offer is at prime interest rate, but I thought it was prime minus 0.25 and she said there are no changes that will be made soon/275 is absolute max Wondering if it's something about my record though I don't have bad credit, I think? This is a sign that you are dealing with someone who does not have enough experience with the SPSP program. Ideally you'd want to deal with someone on this list. If you deal with a random advisor/branch chances are that they won't be up to date or familiar with a lot of the changes, unless you luck out and find someone like myself who isn't on the list but still keeps up to date with these things. Chances aren't good though I have to say. IMislove 1 Quote Link to post Share on other sites
PD23 17 Posted June 29, 2018 Report Share Posted June 29, 2018 6 hours ago, indecisivePremed said: Does the LOC depend on the advisor you get? I spoke to someone at Scotia who said that the offer is at prime interest rate, but I thought it was prime minus 0.25 and she said there are no changes that will be made soon/275 is absolute max Wondering if it's something about my record though I don't have bad credit, I think? I just spoke to my MD advisor at UofT and they said prime minus a quarter is what should be offered at Scotia for SPSP program. I was initially offered prime as well so I called them and they said they would rectify it Quote Link to post Share on other sites
GTA Med Advisor 25 Posted June 29, 2018 Report Share Posted June 29, 2018 On 6/28/2018 at 10:45 AM, docK said: any news on when Scotiabank plans on updating these new changes? Stay tuned next week for news - looks like Friday of next week. docK and SunAndMoon 2 Quote Link to post Share on other sites
medhopeful2 14 Posted June 30, 2018 Report Share Posted June 30, 2018 Hey guys, For those who got the visa infinite cards from Scotia, were you able to use the promotion for 25k points after spending $1000 the first 3 months? I was told no because the card is free for med students. Thanks! heydere 1 Quote Link to post Share on other sites
Lesigh2 24 Posted June 30, 2018 Report Share Posted June 30, 2018 Other than free iPad from RBC and fee waivers for credit cards, are there any other perks from banks? Quote Link to post Share on other sites
IMislove 560 Posted June 30, 2018 Report Share Posted June 30, 2018 12 hours ago, medhopeful2 said: Hey guys, For those who got the visa infinite cards from Scotia, were you able to use the promotion for 25k points after spending $1000 the first 3 months? I was told no because the card is free for med students. Thanks! My personal account advisor said yes we get that, too bad each advisor can be so inconsistent but that’s life. medhopeful2 1 Quote Link to post Share on other sites
Incisor94 85 Posted June 30, 2018 Report Share Posted June 30, 2018 12 hours ago, medhopeful2 said: Hey guys, For those who got the visa infinite cards from Scotia, were you able to use the promotion for 25k points after spending $1000 the first 3 months? I was told no because the card is free for med students. Thanks! Even my advisor said we get the bonus. Talk to your advisor again or maybe give Scotia Customer service a call? medhopeful2 1 Quote Link to post Share on other sites
heydere 12 Posted July 1, 2018 Report Share Posted July 1, 2018 I was reading the Gold Amex (https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/gold-card.html) and Passport infinite (https://www.scotiabank.com/ca/en/personal/credit-cards/visa/passport-infinite-card.html) descriptions. Regrading reward points earned, both mention eligible "eligible grocery stores, dining, entertainment purchases" Does anyone know what counts as eligible? Cant find the info anywhere. Quote Link to post Share on other sites
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