u/12yoghurt12

Canadian credit card market

Canadian credit card market

Apparently RBC and TD are the biggest credit card players (20% of market share each, by balance amount). In terms of network share, Visa has bit less than 60% and Mastercard bit less than 40%. I admit I am surprised, "average" Canadian credit card is a Visa from RBC?... I am also surprised that BMO has only 10% of market share, as they have some aggressive promotions and some good cards.

Does anyone know if there is a market share ranking by SPECIFIC card? It's probably proprietary information, but I am very curious what would that ranking be like. Statistically, one of the RBC Visas should be on top of the list :-)

u/12yoghurt12 — 3 days ago

How good players become bad players

I am, in general, terribly bad. I have always been an objective focused player, so I usually score pretty high including the MVP here and there.

However... I am really tired of being immediately killed five times in a row just because I know that if we do not take this objective now, we'll lose the game. I adjusted my gameplay to lower the risk and increase free kills, and my KD went from 0.6 to +1. I don't really see much difference in terms of wins anyway (so, I was not a game altering player after all?! :-)

Next time when you get shot in the back by a camper who didn't have a reason to be there, that was probably me. Mediocre players should accept that the aggressive gameplay is for good players.

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u/12yoghurt12 — 3 days ago

I visited Amsterdam for a week and was stunned by how well run, clean and organized it is. I was surprised to see hardly any unhoused people - I believe that Netherlands experience the same cost of living and housing crisis as the rest of the Western world, yet it's somehow not reflected on the streets. Can anyone tell me what's the secret?...

I lived in a neighborhood that was clearly ethnic. In many cities that means a lower standard, but that neighborhood was spacious, green, clean, beautiful apartment buildings, playgrounds and sports fields literally every two blocks.

Also, you guys have more English speaking people than Toronto!... :-)

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u/12yoghurt12 — 16 days ago