- Platinum Member
- Posts: 52
- Joined: Fri Jan 25, 2013 3:10 am
- Location: San Bruno
Currently, my Canadian credit card, which I have had for 8+ years (mostly as a student card) is the RBC Royal Bank Rewards Gold card (the most basic card they have, essentially). The credit limit was raised three times in those years, from 1000 when first obtained to 3500 today (all figures in CAD). I currently use it for any Canadian dollar transactions that I may have (currently one cell phone bill), and any other transaction where Chip and PIN or contactless is necessary.
My American credit card is a Bank Americard Cash Rewards Visa, which I have had for just under 6 months, with a 9500 limit (all figures in USD). This card is used for pretty much everything else. (Which is majority online electronics, groceries, and such - a sad thing for me is that I have only taken advantage of the card's 3% reward tier once...)
Regardless of which side of the border I am on, my balances have always been paid off in full each month (often at great personal expense, but let's not go into that).
I have never looked up my Canadian credit scores, and I have not heard back from Canadian credit reporting agencies after requesting credit reports by snail mail. I have asked for and received American credit reports, which do not reflect Canadian history. According to Credit Karma, the American credit score from TransUnion is 726 (though since I've only had American credit history for 5 months, it could be way off for all I know).
I do know that I had been declined for the Target REDCard around the same time as being approved for the Bank of America card. The only hard pulls on the Canadian side that I am aware of in the last 6-8 months was from Bank of America and from RBC Bank USA (the American subsidiary of RBC Royal Bank) when I attempted to apply for their Visa card (this was before I moved to the US, in preparation for moving to the US). I have never applied for any other credit card in Canada, so outside of these two occasions I have never been hard-pulled for anything on the Canadian side.
Current Credit Scores:
VantageScore 3.0 - 760 TU, 764 EX (11-19-16, Credit Karma)
FICO 8 - 747 EX (10-22-16, AmEx statement)
Discover - 750 TU (11-4-16, Discover statement)
Current Credit Cards:
RBC - $8000 CAD
BoA - $13500 USD
Capital One - $2750 USD
AmEx BCE - $4000 USD
Discover It - $8000 USD