I am an 18 year old highschooler who works a part time job, this year I made almost $15,000 so far. I am now looking for a first credit card, and the Tangerine money-back card caught my attention. Is this card a good card for me? And if it isnt, would you reccomend any others?

Update: I unfortunertly did not get approved for the Tangerine, but I was pre-approved for the TD cahs back visa, and I was approved for the simplii finacial card, thanks for everybobody's help

Any thoughts on Tangerine's money back CC? From reading their website and old Reddit posts, I think they might have reduced their benefits.

Currently have a Vancity Enviro visa and it's rewards options are not great. I want to start using my credit card for all my purchases and bills, and then just pay it off every payday. I've decided on the tangerine card (I think), and figured I'd just open an account with them and just let the monthly cash back grow in that account. While still staying with my current credit union because I like them and they don't charge me. Does this sound like a relatively simple, low hassle idea? Any drawbacks I should know of? I've been with my current bank account since I was 6 lol so I have no idea about opening up a second bank account.

I'm 19, been working for 3 years now (full-time during summer/holidays and part-time during school) in fast food and made over 25k last year. I have one low rate visa card with a 3k limit which I've had for about a year. I use about $100-300 every month and ofc pay it back in full on time and have a credit score of 734. Should I apply or will I most likely not get approved and just save myself from getting a hard inquiry for no reason.

I just compared the two cards offered by Tangerine but got confused.

1. Neither has annual fee

2. Both can choose 2 categories with 2% cashback (3 categories if deposit reward to saving)

3. World Mastercard® has everything that Money-Back has

4. World Mastercard® offer more features like Mastercard® Travel Rewards* etc. than the other.

Okay, so what's the point of the existence of Money-Back Credit Card? Isn't Tangerine World Mastercard® better than the other in every aspect? Or did I miss something?

I'd like to hear your thoughts about these two cards, thank you!

I currently have a CIBC smart account. I need another bank account to share with my wife and tangerine is the bank that is mostly recommended here. I have read forums and visited bank websites and I don't see much difference.

I also have a CIBC Visa infinite which gives 4% cash back on gas and groceries. Yes there is 80,000 annual spend limit, compared to unlimited cashback from Tangerine, but even their world mastercard is only 2%. I don't think I'll ever spend more than 80k a year and exceed that limit.

Should I just stick to CIBC and open a second account? or can you recommend another bank account like TD or Scotia bank?

Is there something that tangerine have that other banks don't?

Lately I have been having card issue, I have had to get it replaced twice this year because the chip keeps malfunctioning. Every time I have had to get it replaced I have been on hold times for up to an hour and there is no way I can do it online.

Currently looking to switch banks. Really tired of high fees, and careless service.

And Tangerine seems to be reasonably popular recently. Just wondering about some people's experiences?

Thanks in advance.

Edit: Stop sending me requests to sign-up for any online banking thru you. It's not going to happen.

Hey everyone,

I recently received a pre-approval offer from Tangerine for their Mastercard, with a credit limit of up to $20K. I currently have two credit cards: one from Scotia with a $6K limit and another from TD with a $1K limit. I also have a line of credit from Scotia with a $20K limit. I’m generally good about paying off my bills on time.

I'm trying to figure out if there's any real benefit to accepting this offer. Tangerine mentioned they'll perform a credit check if I proceed. I know that having another card would increase my overall available credit, but I'm not sure if it's worth it.

Also, I’m planning to buy a home in the next 1-2 years. Could getting this card have any significant impact on my credit score?

Thanks in advance for any advice!

So Tangerine credit card provides 2% cashback on three merchant categories (eg. Groceries, gas, etc ). The problem is sometimes what you think is groceries is something else, eg. Costco doesn't count as groceries. One category I have is recurring bills. I recently set it up to pay my home/auto insurance. This went through as 3 separate transactions, one for each car plus the house. I checked my account and only two of them were recognized as recurring and the other as 'other' so I only received 0.5% instead of 2% on that one. Of course I called Tangerine but they said there is nothing they can do because it is up to the merchant how they categorize the transaction. I called the insurance and of course they don't really know anything about that and just blamed it on Tangerine. I feel like I am caught in the middle. At this point it is like why have this credit card when I don't know how it will be categorized when I make a purchase. Anyone else feel the same with this card or any other that offers similar benefits?

I’m looking for a new credit card since me and my fiancée I have been with RBC’s student Cards for years, and clearly havnt been getting the benefits one should get with a card.

I was looking at Tangerine and was wondering what peoples personal experiences are with it?

For context: I am 22, working full time, spending about $500-1000 a month on gas, eating out, groceries, etc.

No rent yet, but next year.

Will be travelling to Europe for a month this summer, I understand Tangerine has some benefits for this, but don’t quite get it. If someone could break it down.

I like the no annual fee and others being allowed to have a card for free as well

Credit score is 800.

If anyone has any more information, recommendations or experiences that would be great

Thanks

Hi!

I got a pre-approval for a tangerine world card… woohoo! I’m not sure if I should not take the offer or wait for LOC offers, take it and run with that and use it alongside my other two cards, or get it and cancel one of my cards. Would love your thoughts!

Tangerine world cards have no fees, nice perks, and the idea of having a card attached to a bank account again is so soothing, lol.

My two cards now are:

1. Amex cobalt, sizeable limit, $15ish a month/180 a year, good perks (got it in the spring, tiny credit history)

2. Capital 1 - pretty much the same limit as the pre-approved tangerine, $80 a year, no perks. BUT this card took me out of the credit gutter, it has the longest account age, 5 years almost)

. I guess I am weighing the $80 capital 1 fee against the harm canceling it would cause to my credit score due to overall credit age/history. I don’t need to have a high credit score for anything really, except I do kinda want to apply for a line of credit (so my credit is ~varied~ and improves my score, and it is probably a helpful tool to have).

I am keeping the Amex for sure. sooooo, actual question post-ramble, haha:

Will swapping the cap 1 for the tangerine card bottom-out my credit and make it harder to access the credit tool I actually want (line of credit) ???

is it worth the $80 a year just to keep all 3 cards? I’ve heard it’s not great to have too much cc availability but don’t know what ‘too much’ actually means?????

… last detail, as alluded to, I deeply fucked up my credit as a student, and I don’t fully fully trust myself not to do it again, even if I make ok money in a stable job, and have mostly paid off balances in full every time. there have been a few moments where the balances have crept up (never more than 20% utilization, but 20% of the credit I have already is pretty stressful to pay off?!?!?!)

Any wise words for me? Thanks in advance!

Hey all,

I just tried to apply for Tangerine's Money-Back Credit Card over the phone. I checked all the boxes—I meet the minimum income of $12k to apply; I have a credit score of over 700; and I have a PC Master Card that's in good standing. Yet I failed the hard- credit score check!! First time I have ever failed a check like this, and besides the worry of how this will affect my score, I just can't seem to figure out why I was rejected!

Has anyone else experienced this before? Really quite bothered by this, as you could imagine. Thanks for any insight :)

21 year old looking to get a second credit card.My current one ive been using is the RBC ion visa for the last 2 years. realizing now the rewards kinda suck with that card. i also couldve gotten the ion+ for no fee as im a student but didnt realize that when I first got my card.

Looking to get a second card now, probably a mastercard as i already have a visa. I spend about 1000 a month right now. not sure what rewards i want exactly so probably something with decent cash back.

looking for no fee (or low fee if rewards make up for it).

from my research the tangerine money back mastercard seems like a good choice, but i dont have that much knowledge on credit cards. Should I get this card or are there other options i should look at?

I hope this post serves as a warning to you all about Tangerine's Credit Card department, and factors into your decision when choosing your next card. I personally find that the ability to charge back and protect yourself from fraud is a key value proposition of a credit card. I write this to add to the many other "beware" posts on the internet about Tangerine's credit card department.

I have been trying to dispute a credit card transaction for the past month and a half. The issue has still not been addressed. When trying to file a complaint as a part of their complaints process, I have been denied and given the run around on filing a complaint three times now.

I purchased an item off Aliexpress in late June to the tune of $103 that I never received due to it being lost in the mail. Aliexpress refused to refund me.

I called on July 2nd to dispute the charge, and after being put on hold for over an hour, was finally able to discuss the matter with someone from the Credit Card disputes team and get a ticket opened. However, when I tried to open a ticket to complain about the wait time, I was told that I would need to talk to general customer service.

A week later, I tried to follow up on the status of the ticket. After being put on hold for over three hours, I finally managed to get through to someone. After trying to log another complaint regarding the difficulty to get a hold of someone, I again tried to file a complaint. This time, I was speaking to the general customer service team and they told me that the actual credit card department team would have to file the complaint on my behalf. They put me on hold for over another hour to no avail.

I called again two weeks ago and spoke to someone on the credit card disputes team. They said that I should expect a temporary refund on the disputed charge as of August 3rd. They also gave me their direct phone number (1 855) 417 1767. I have checked my current credit card statement via my account and do not see the charge to be reversed.

I called the number today and was put on hold for 47 minutes until someone picked up. They lied and told me that the number was for their debit card department. After telling them that no, I have spoken to someone with this number from the credit card department, they rudely cut me off and put me back on hold again. I gave up at the 1 hour and 38 minute mark. I have now emailed their customer complaints handling department. I am debating on packing my bags and moving to another bank.

I'm thinking of switching from Simplii where I have a chequing account and LOC. I had investments with ING and then Tangerine back in the day. Their website was very user friendly. Fast forward how are things today? I'd be looking at day to day banking plus investments if the rates were good.

A transaction for over $500 appeared on my credit card that I did not do. I immediately called Tangerine when I saw it. Since the transaction was with Amazon, a merchant I had used before, it was deemed a dispute to them and not fraud.

The day I called I provided all the details they needed. I was with them for over an hour on the phone. 2 months have passed and they not given me a temporary credit, I had to front the $500+ to pay my full balance and not incur interest.

Finally after 2 months, they called to to get more information. They called once and I did not answer. I called back the next day and guess what? I answered all the same questions that I was on the phone an hour for when I first called about this fraudulent transaction.

To make matters worse, I received 2 emails saying I needed to call them (after I had called), saying that if I did not call they were going to cancel my dispute.

I've been with them for over 5 years and never disputed a transaction. Seriously considering canceling my accounts with them.

Careful with Tangerine, they won't protect you!! #tangerinebank #tangerine #Canadianbanks