u/BestestBeekeeper

Credit card template listed below.

My wife and I are currently on separate MBNA WE MC accounts and have been for years, since back when it was 2% on everything. I recently got the Roger’s Red MC for our phone bill, and noticed that it is now offering what MBNA used to.

We don’t dine out much and are cutting back, and have an EV so only spend on gas for my wife’s car which isn’t a far commute, so restaurant and gas bonuses are mostly out. Groceries tends to be a big one though.

Should I just stick with the MBNA card as my main, or start utilizing the Rogers Red as my go to on all purchases? Or is there something else out there better suited to us?

Appreciate any insight and advice 🙏

CREDIT PROFILE

* Current credit cards you are the primary account holder of:
* Player 1:
* MBNA World Elite Mastercard
* Rogers Red World Elite Mastercard
* CIBC Costco Mastercard
* Player 2:
* MBNA World Elite Mastercard
* FICO scores with source: Equifax 849
* Oldest credit card account age: 10 years
* Cards approved in the past 6 months: 1
* Cards approved in the past 12 months: 1
* Cards approved in the past 24 months: 1
* Annual income $: 250,000

CATEGORIES

* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 400
* Groceries $: 400 (Costco)
600 (Fortinos)
* Gas $: 300
* Travel $: 300
* Using abroad?: No
* Other categories or stores: Phone - Roger’s ($130/m), Internet - Cogeco ($100/m), Car/Home Insurance ($550/m)
* Other spend:
* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes
* Costco or Sam's Club member: Costco

PURPOSE

* Purpose of next card: Cashback
* Cards being considered:

I’m curious as to the legality of this practice I have been seeing far more in recent years, where a company will offer a warranty on a product, but the longevity is conditional upon registration of the product.

For example, UppaBaby who manufacture strollers, car seats, etc, offers a 3-year warranty on their strollers, and this is of course the duration they advertise. However in the fine print, and on their warranty page of their website, you’ll find that they only offer a 3-year warranty if you register the product on their website. If you don’t within a certain period after purchase (I’ve seen anywhere from 10 days to 3 months), then you only get a one year warranty.

I can see a small bit of validity to this approach I guess, but more than anything this entire practice just seems sketchy and a way for the manufacturer to advertise a better warranty, while very rarely having to follow through, as many will forget or not even know that they need to register the product.

Is this legal in Canada/Ontario for business’s to operate in this way?

Thank you all in advance for any insight.

Curious on technicians thoughts and experiences on the Bosch 500 series units. I know the 800 series are gold standard and highly recommended, but haven’t heard much on these lesser tier units.

Found a brand new scratch and dent unit for $800CAD ($588USD) with model number B36CD50SNB/07 and deciding on if it’s worth it for this unit.

Just trying to find something that will last a while which is easier said than done these days.