DeepChill

You assume privilege. Let me correct you. I work two jobs and put in over 70hrs a week. I’ve been doing that for over 10yrs. That’s not privilege, that’s working my ass off to get ahead. I will admit that I’ve been very lucky in that my line of work was not negatively impacted by Covid. But that’s as far as I will concede.

You’re absolutely right. I totally forgot about Costco only accepting Mastercard and debit.

You said it yourself. The Costco card has different reward percentages depending on what you buy and where. The benefit of this new card is the complete lack of categories. It’s just 2% across the board on all purchases at any store. When I shop at Costco I’d effectively be getting 4% cash back. 2% on this credit card and 2% because I have the executive membership.

Who doesn’t spend $500 a month these days? Cellphone, gas & groceries would be that much or more. The fees are waived if you auto deposit your paycheque ($4k/moth or more).

From the FAQ….

How is the Wealthsimple credit card different from the Wealthsimple prepaid Mastercard? The credit card is a way of borrowing money, while the prepaid card is spending your own money that is already in your chequing account. When applying for the credit card, a credit check is required and using the card will affect your credit score — good payment history helps, while missed payments may affect your score negatively.

The cash back rewards are higher on the credit card, and it comes with some additional benefits like insurance and access to the Visa Infinite perks.

One other benefit that never gets mentioned and people don’t realize. Credit cards are safer for you as the consumer when it comes to fraud. If your card is compromised by a shady vendor it’s not your money that gets stolen. It’s the credit card company’s. It’s up to them to get it back. Using a debit card means it’s YOUR money that gets stolen and it’s up to you to fight to get it back. Meanwhile, your car payment or rent might bounce because your chequing account has been emptied.

Here’s what I see using Acrtic for iOS (Blue cake) and Voyager for iOS (multicolour cake)

Hey, thx! Didn’t even notice that until you pointed it out. Two years since the fuck spez “mass exodus” from Reddit.

Looks like a no brainer. If you’re already a Wealthsimple client they ask you for consent to do a soft inquiry on your credit report. I like that a lot more than a hard hit. Especially for something I know without a doubt I’m qualified for. Time to get rid of a card I’ve been meaning to ditch for a while now (no rewards at all).

First thing that comes to mind would be issues with warranty or just normal returns. Maybe don’t do this with expensive purchases that would hurt your wallet if you couldn’t get the money back.

Here’s a link to Rogers instructions. It’s the same for all carriers but I don’t personally know how to do it on android so this link has instructions for both iOS and android.

https://www.rogers.com/support/mobility/prevent-unsolicited-or-suspicious-text-messages-sms-spam

Here’s another link from the Government of Canada site to report SPAM other than SMS.

https://fightspam-combattrelepourriel.ised-isde.canada.ca/site/canada-anti-spam-legislation/en/form/report-spam-form

Here’s a link to the national do not call list (for whatever that’s worth)

https://lnnte-dncl.gc.ca/en

Forward the message to 7726 (SPAM).

Works with all carriers and it’s free.

Have you seen the wild variations on Coca Cola?! Should be illegal to charge such insanely different prices for exactly the same product just because of the size of the bottle. I get buying in bulk should be cheaper (think 5gal pail of mayo at Costco) than single servings but come on. What’s the cost difference to the manufacturer between 750ml bottles and a 2L bottle.

I’m gonna go out on a limb and say OP isn’t wearing men’s relaxed fit Levi’s. As a joke I managed to fit an iPad mini in my front pocket. Just saying.

It looked stupid but it worked.