Need all your input on what to do.
I recently purchased a house and went for a mortgage with RBC. Its a Homeline plan. Upon doing so, I would need to open a RBC account to make payments. I opened the very basic Day to Day Savings. Just need an account for payments only. I bank with PC Financial.
Upon opening this account, I was "Pre-Approved" instantly for a credit card. The Platinum Avion VISA with a $3K limit. This card meant, they didn't have to do any credit check to verify anything. I can get it instantly, I'm assuming it has to do with my mortgage and what plan I'm on etc. I politely declined the offer.
A few weeks later, I was in another city visiting family and went to RBC to inquire about accounts and this credit card and if I get it, what benefits yada yada. I told the bank rep, that at this time I'll think about it and if I do go ahead I'll give you a call.
Fast forward to today, I open my online banking and notice there is a VISA credit card somehow opened. I call RBC, and they tell me, the last person who I spoke with in the bank, instead of hitting decline, hit approved for the credit card. So now I have the credit card. I called RBC and bitched and complained, they said sorry and that they would waive the $120 fee for the first year. If I didn't like it, I can cancel anytime. I told them only way I'll keep the card is if they waive the $120 fee and upgrade me to the Infinite Avion, they couldn't due to fact my pre-approval was only for $3K. I wanted to get Infinite Avion so that I could upgrade and get the RBC VIP Banking Package, that waives the annual fee of the credit card and lowers costs on the banking package.
Also to mention, this credit card, from what they said, will not show up on my credit file as they never had to do a credit check when I got approved for this card so if I cancel, it will not show up on the credit file? Is this true?
Is it worth keeping this card?Or cancelling?Thoughts. I haven't called the lady who approved my card yet, will call her to complain and see what she can offer to amend this issue since its a big violation.
I recently purchased a house and went for a mortgage with RBC. Its a Homeline plan. Upon doing so, I would need to open a RBC account to make payments. I opened the very basic Day to Day Savings. Just need an account for payments only. I bank with PC Financial.
Upon opening this account, I was "Pre-Approved" instantly for a credit card. The Platinum Avion VISA with a $3K limit. This card meant, they didn't have to do any credit check to verify anything. I can get it instantly, I'm assuming it has to do with my mortgage and what plan I'm on etc. I politely declined the offer.
A few weeks later, I was in another city visiting family and went to RBC to inquire about accounts and this credit card and if I get it, what benefits yada yada. I told the bank rep, that at this time I'll think about it and if I do go ahead I'll give you a call.
Fast forward to today, I open my online banking and notice there is a VISA credit card somehow opened. I call RBC, and they tell me, the last person who I spoke with in the bank, instead of hitting decline, hit approved for the credit card. So now I have the credit card. I called RBC and bitched and complained, they said sorry and that they would waive the $120 fee for the first year. If I didn't like it, I can cancel anytime. I told them only way I'll keep the card is if they waive the $120 fee and upgrade me to the Infinite Avion, they couldn't due to fact my pre-approval was only for $3K. I wanted to get Infinite Avion so that I could upgrade and get the RBC VIP Banking Package, that waives the annual fee of the credit card and lowers costs on the banking package.
Also to mention, this credit card, from what they said, will not show up on my credit file as they never had to do a credit check when I got approved for this card so if I cancel, it will not show up on the credit file? Is this true?
Is it worth keeping this card?Or cancelling?Thoughts. I haven't called the lady who approved my card yet, will call her to complain and see what she can offer to amend this issue since its a big violation.