What's a good credit card company?

**Super_Geo** · 05-31-2004, 09:56 PM

I have a Queen's University credit card through MBNA Canada and it's worked decently well for me... but now I really can't stand how they have absolutely no online accounting at all.

I'm curious as to what you guys use for your credit card company and how well their online system works... I'm sick of sitting around for 20 minutes while some automated bitch on the phone slowly reads through every single fucking purchase I made in that fucking mechanical voice of hers.

**gpomp** · 05-31-2004, 10:39 PM

TD is best.

**Loose** · 05-31-2004, 10:52 PM

I want to burn my MBNA card. Motherfucking people call me all the time trying to sell me insurance. It tell them to take me off the mother fucking list, and they still call me. I want a different motherfucking card now.

Any free cards where you get like 1% of your purchace back?

**Weapon_R** · 05-31-2004, 11:03 PM

I have a Bank of Montreal Mastercard. No annual fee, free online banking, and you can accumulate points which you can use towards buying your first home. If you have a bank account with them, you can also link the two online - it works great, I haven't had to visit my bank since I opened the accounts there.

**Strider** · 05-31-2004, 11:28 PM

TD Visa has awesome integration with their online banking. No perks to it though, besides the standard buyers protection and travel insurance.

**Shaolin** · 05-31-2004, 11:45 PM

I have a CIBC Visa.. I get a call that sells me stupid shit about once every 2 months or so.. has online banking and stuff.. but I've heard from others that CIBC sucks.. but I've never had a problem with them.

**SleeperD** · 05-31-2004, 11:47 PM

i got one with TD and CIBC....*sighs* really i didnt care...who ever gave me money at the time was the bnest for me...TD is better though they are a bit easyer

**BebeAphrodite** · 06-01-2004, 03:18 AM

I hate MBNA for the same reason.. keep calling me for insurance..
I read some of the stipulations once, I remember it was something like losing a limb to collect it!

**86max** · 06-01-2004, 07:15 AM

I just got a cibc select visa..........29$ annual fee but low interest.....i might switch to the no annual fee on eventually, but I havn't had any problems so far. CIBC's online banking is pretty simple to use, and I havn't received any phone calls yet (crosses fingers)

**Gonthro** · 06-01-2004, 07:58 AM

no credit card companies are good, they are all EVIL

**sputnik** · 06-01-2004, 08:09 AM

TD Visa kicks ass...

I've had one for a few years now, and when I got a TD bank account last year they noticed my credit rating and immediately gave me a line of credit, an overdraft on my chequeing account and an increase on my Visa.

When I was at CIBC they wouldnt even give me a credit card with more than a $500 limit, and I was making almost the same amount of money at the time.

**roopi** · 06-01-2004, 08:10 AM

CIBC Visa Dividend and Mosiac MasterCard Dividend

**Gondi Stylez** · 06-01-2004, 10:52 AM

Originally posted by Weapon_R
I have a Bank of Montreal Mastercard. No annual fee, free online banking, and you can accumulate points which you can use towards buying your first home. If you have a bank account with them, you can also link the two online - it works great, I haven't had to visit my bank since I opened the accounts there.

the mosaik is sweeeeet!

**Ben** · 06-01-2004, 11:02 AM

I hate CIBC, Will never go through them ever again!

**86max** · 06-01-2004, 12:42 PM

hmmm............maybe i'll look into getting a TD card..........i don't have any bank accounts with cibc or anything and just applied online for a visa and they gave me 4500.......if i can get the same with TD i'll be happy

**B17a** · 06-01-2004, 12:51 PM

Originally posted by Loose
I want to burn my MBNA card. Motherfucking people call me all the time trying to sell me insurance. It tell them to take me off the mother fucking list, and they still call me. I want a different motherfucking card now.

Any free cards where you get like 1% of your purchace back?

Those assholes call me monthly even though I have specifically told them to fuck off and die. But I think I have found the cure to them calling, I now inform the telemarketer that I am deceased.

I have a BMO Air Miles Mastercard, does the trick for me.

**QuasarCav** · 06-01-2004, 12:57 PM

I have a scotia Visa.

I had to start with an afwul MBNA card that had crappy interest rates and stupid telemarketers.

When I got the scotia I got a good rate and really good online banking

**roopi** · 06-01-2004, 01:39 PM

Why even consider the rate? Just pay the balance off each month. Any "good" rate is still a shitty rate from a CC company. If you intend on carrying a balance just get a loan or loc.

**sputnik** · 06-01-2004, 01:44 PM

Originally posted by roopi
Why even consider the rate? Just pay the balance off each month. Any "good" rate is still a shitty rate from a CC company. If you intend on carrying a balance just get a loan or loc.

Depending on your credit rating... the TD Visa Emerald is 1.9-5.9%+prime. With free cash advances.

**91_Integz** · 06-01-2004, 02:14 PM

Originally posted by Weapon_R
I have a Bank of Montreal Mastercard. No annual fee, free online banking, and you can accumulate points which you can use towards buying your first home. If you have a bank account with them, you can also link the two online - it works great, I haven't had to visit my bank since I opened the accounts there.

I have this option as well but I don't think they offer it anymore

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