Comments on: The Credit Cards I Use https://www.moneywehave.com/the-credit-cards-i-use/ Personal Finance and Budget Travel for Canadians Thu, 24 Jun 2021 11:33:46 +0000 hourly 1 https://wordpress.org/?v=7.0 By: Barry Choi https://www.moneywehave.com/the-credit-cards-i-use/#comment-185314 Fri, 24 May 2019 11:56:37 +0000 https://www.moneywehave.com/?p=2476#comment-185314 In reply to Tom.

Hey Tom,

YOu can literally call RBC and tell them you want to convert your Avion card to the RBC WestJet card. This essentially cancels your Avion card and you’ll get send the WestJet card. By doing a product switch, you avoid another credit inquiry and your length of use remains the same.

]]> By: Tom https://www.moneywehave.com/the-credit-cards-i-use/#comment-185279 Fri, 24 May 2019 02:41:54 +0000 https://www.moneywehave.com/?p=2476#comment-185279 In reply to Bryce.

Hi Barry..what do you mean by product switch from RBC Avion to the RBC WestJet card? Is it as simple as calling Visa to switch or is it cancelling the Avion and applying for the WestJet card?

]]> By: Barry Choi https://www.moneywehave.com/the-credit-cards-i-use/#comment-177234 Thu, 07 Mar 2019 11:27:18 +0000 https://www.moneywehave.com/?p=2476#comment-177234 In reply to DC.

DC,

As far as I know, the Home Trust Preferred Visa earns you 1% cash back on ALL purchases.

]]> By: DC https://www.moneywehave.com/the-credit-cards-i-use/#comment-177179 Thu, 07 Mar 2019 03:05:20 +0000 https://www.moneywehave.com/?p=2476#comment-177179 Sorry for the oversight. In my last post, I forgot to mention that it is the Home Trust Visa credit card that I don’t think will give 1% cash reward for every purchase.

]]> By: Barry Choi https://www.moneywehave.com/the-credit-cards-i-use/#comment-177168 Thu, 07 Mar 2019 00:37:28 +0000 https://www.moneywehave.com/?p=2476#comment-177168 In reply to DC.

DC,

Which card are you referring to?

]]> By: DC https://www.moneywehave.com/the-credit-cards-i-use/#comment-177158 Wed, 06 Mar 2019 23:14:29 +0000 https://www.moneywehave.com/?p=2476#comment-177158 From what I understand, the 1% cash is not for every purchase. Bus passes,cab fares and online shopping purchases are not eligible for the cash back reward. Am I correct?

]]> By: Barry Choi https://www.moneywehave.com/the-credit-cards-i-use/#comment-176951 Tue, 05 Mar 2019 13:20:51 +0000 https://www.moneywehave.com/?p=2476#comment-176951 In reply to Newb.

Newb,

Rarely am I using all the cards at the same time. Most of them are situational with only 2-3 for day to day use. I tend to have a good grasp on my finances so I know which cards I’ve used. For cards I don’t use often, I keep getting paper statements as a reminder.

Certain travel credit cards do have restrictions, but a card like the Scotiabank Passport Visa Infinite lets you book any flight, you get lounge access, and you don’t pay forex fees so it’s a good all-in-one travel card.

If you’re using points to book a hotel, just find out what the cash rate would have been and then divide that amount by how many friends are sharing the room. That’s how much it’ll cost per person.

]]> By: Newb https://www.moneywehave.com/the-credit-cards-i-use/#comment-176911 Tue, 05 Mar 2019 06:01:45 +0000 https://www.moneywehave.com/?p=2476#comment-176911 How do you keep track of all the payments on so many cards? Do you just make it automatic?

I’ve only used cashback credit cards. I travel about once or twice a year, either with friends or parents. I usually stay in hostels or airbnb. Do you think travel credit cards would be a good fit for me? The reason why I’ve avoided them is because I think that there are restrictions on what flights I can get. What if I can’t use my points for the flights that my parents or friends want? If I book the hotel for my friends using points, how do I work out the cost to have them pay me back? Has anyone else run into similar issues?

]]> By: Barry Choi https://www.moneywehave.com/the-credit-cards-i-use/#comment-176472 Fri, 01 Mar 2019 20:39:44 +0000 https://www.moneywehave.com/?p=2476#comment-176472 In reply to Ashley Taylor.

Hey Ashley,

I’ve heard reports of the Home Trust card not working in some places in Iceland but haven’t heard of any issues in Europe. Just remember they’s a 10 transaction limit per day.

]]> By: Ashley Taylor https://www.moneywehave.com/the-credit-cards-i-use/#comment-176460 Fri, 01 Mar 2019 19:36:48 +0000 https://www.moneywehave.com/?p=2476#comment-176460 Barry, I plan to go to Europe this summer and have the Home Trust Preferred Visa. I agree with you that it’s not my favorite card and I ONLY use it for foreign currency purchases, saved $6 last week on an 89 Euro flight from London to Paris!

Would you have any concern over physically using the card? I’ve read a few comments about certain credit cards not working in all places in Europe. Any thoughts would be appreciated.

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