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Best bank to open an account?

hell911

Champion Member
Apr 10, 2012
1,352
31
Job Offer........
Pre-Assessed..
^
what color is the credit card? so u have total of 3 cards now? debit,credit,scene?

bec. right now i only have 2 cards.
 

humdrumdum

Hero Member
Jul 19, 2013
202
11
Category........
Visa Office......
Manila (VAC, Paper-based)
Job Offer........
Pre-Assessed..
App. Filed.......
30-07-2013
Med's Request
05-08-2013
Med's Done....
12-08-2013
VISA ISSUED...
16-08-2013
LANDED..........
31-08-2013
It's the white one, the Scene VISA card. I think they gave it to me because there's no annual fees. And the Scotia rep also emphasized on paying bills on time in case I decide to settle in Canada later on, in order to build a good credit score. Usually, unemployed students CAN'T get a credit card at all, but they said since we are international students, we are allowed to get a $500 unsecured credit card without a job. I heard that after a few months of paying your bills on time, they might increase your credit limit.

Yep, I have all of the Scene cards haha! The black one and the white one will arrive within 2 weeks through the mail.

hell911 said:
^
what color is the credit card? so u have total of 3 cards now? debit,credit,scene?

bec. right now i only have 2 cards.
 

humdrumdum

Hero Member
Jul 19, 2013
202
11
Category........
Visa Office......
Manila (VAC, Paper-based)
Job Offer........
Pre-Assessed..
App. Filed.......
30-07-2013
Med's Request
05-08-2013
Med's Done....
12-08-2013
VISA ISSUED...
16-08-2013
LANDED..........
31-08-2013
I think there are many factors to consider in choosing a bank :) I mainly chose Scotiabank because of the proximity to my home, the availability of ABM's on campus, and the perks I get from having a Scene card hehe Although TD would've been my next choice since the branch nearby is open on Sundays hehe


anant sekhon said:
Td bank is going on number 1 now.
 

user828

VIP Member
Apr 2, 2012
3,435
81
Vancouver
Category........
Visa Office......
New Delhi ( Parents Sponsorship )
App. Filed.......
19-10-2017
AOR Received.
01-12-2017
Scotia Bank and get their scene debit card

You like watching movies, spend via scene debit card and you get so many points that you won't ever pay for a movie again
 

0neTw0

Member
Sep 10, 2013
10
0
120
Ungvar
Category........
Visa Office......
Vienna
Job Offer........
Pre-Assessed..
App. Filed.......
01-10-2013
anant sekhon said:
Td bank is going on number 1 now.
please show a link to the source
 

hell911

Champion Member
Apr 10, 2012
1,352
31
Job Offer........
Pre-Assessed..
i used my scotiabank debit card to buy a $1.50 item, when i checked the receipt of the transaction, it became $1.60 , why?

i asked the store employee, he said there is a little increase when using card. true?
 

HopefulAngel

Star Member
Jul 3, 2013
65
0
Edmonton, AB
Category........
Visa Office......
Makati City
Job Offer........
Pre-Assessed..
App. Filed.......
15-11-2015
VISA ISSUED...
06-20-2016
LANDED..........
12-08-2013
hell911 said:
i used my scotiabank debit card to buy a $1.50 item, when i checked the receipt of the transaction, it became $1.60 , why?

i asked the store employee, he said there is a little increase when using card. true?
is it 'cause of tax? i'm interested in knowing this. let me know :)
 

marsiangal

Hero Member
Feb 15, 2013
562
22
Category........
Visa Office......
Vegreville
Job Offer........
Pre-Assessed..
App. Filed.......
16-08-2012
AOR Received.
20-11-2012
Med's Request
11-02-2013
Med's Done....
25-02-2013 DM....:20-06-2013 IN CANADA SINCE:...2008
LANDED..........
21-08-2013
Based on my experience, Yes some of smaller stores charge extra when you pay with debit or credit. Because they are also charged by the Terminal company (The pinpad thingy.lol.) to use it per transaction.

Although most stores make enough profit to not need to charge their customers or they have a tie up with companies.

For example, I used to work in a big Canadian food chain and we only take debit and mastercard, no visa and no amex and it was because mastercard had a tie up with them.

Personally I think he should have advised you about the charge before hand to give you a choice to pay cash instead or something.
 

hell911

Champion Member
Apr 10, 2012
1,352
31
Job Offer........
Pre-Assessed..
i have applied now for credit card in scotiabank , they asked if i would want a cash-back card or scene movie credit card.

so i chose cash-back, good choice or not?
 

moorw003

Full Member
Aug 11, 2013
29
3
119
Visa Office......
London
Job Offer........
Pre-Assessed..
App. Filed.......
29/07/2013
VISA ISSUED...
10/08/2013
Scotia Bank is the way to go.

The most important thing with cards in canada is there is a usage fee so you can only authorize have a certain number of transactions per month. Student accounts tend to give you moree to play with, maybe 20 transactions per month. S

Scotiabank offer their students unlimited free transactions, so if you use your card or account a lot, this is the one you'll want to get to be on the safe side.
 

HopefulAngel

Star Member
Jul 3, 2013
65
0
Edmonton, AB
Category........
Visa Office......
Makati City
Job Offer........
Pre-Assessed..
App. Filed.......
15-11-2015
VISA ISSUED...
06-20-2016
LANDED..........
12-08-2013
hell911 said:
i have applied now for credit card in scotiabank , they asked if i would want a cash-back card or scene movie credit card.

so i chose cash-back, good choice or not?
What's a cash-back card? and SCENE movie credit card is the visa card, right?
 

hell911

Champion Member
Apr 10, 2012
1,352
31
Job Offer........
Pre-Assessed..
HopefulAngel said:
What's a cash-back card? and SCENE movie credit card is the visa card, right?
well both are visa cards.

http://www.scotiabank.com/ca/en/0,,91,00.html?cid=ps_pg_cc_c022_a001_k004&kwid=scotiabank_scene_credit_card

http://www.scotiabank.com/ca/en/0,,87,00.html

cash back, u get like 0.5% or 1% of money spent by card every year.
scene credit card, u get scene points by using the card.

anyone can reply, which is better option, cash-back or scene credit card?
 

shradzsaraf

Hero Member
Jun 29, 2013
261
6
Canada
Visa Office......
Los Angeles
NOC Code......
5121
Job Offer........
Pre-Assessed..
VISA ISSUED...
22-08-2013
LANDED..........
05-09-2013
hell911 said:
well both are visa cards.

http://www.scotiabank.com/ca/en/0,,91,00.html?cid=ps_pg_cc_c022_a001_k004&kwid=scotiabank_scene_credit_card

http://www.scotiabank.com/ca/en/0,,33,00.html?cid=ps_pg_cc_c140_a001_k002&kwid=scotiabank_visa_cash_back

cash back, u get like 0.5% or 1% of money spent by card every year.
scene credit card, u get scene points by using the card.

anyone can reply, which is better option, cash-back or scene credit card?
I chose a scene movie card. I can change to cash back after six months when I have more credit limit. Both cards are good, you just get free points in Scene Movie card. You get to watch atleast two to three free movies a month. And in cash back, you get around one percent of your total spending back, that would be around 40 dollars a month. So same thing I guess. Cash Back card is beneficial more when you have a higher credit limit.
 

hell911

Champion Member
Apr 10, 2012
1,352
31
Job Offer........
Pre-Assessed..
^
do you think i should have chosen the scene credit card for 4000 points, then after 1 month, will change to cashback card? :D

and i dont think u can get 2-3 movies per month w/o scene credit card, coz right now, im using my debit card, only got 250 points in a month. :(