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  1. selvakk

    CIBC OR SCOTIA BANK

    So, the deal is that you don't pay any fees for anything for the first year. If you got a GIC with CIBC once you land in Canada you will get a GIC account with your 10,000 CAD, a savings account and a chequing account. Once the 1 year/12 months time is up, you will have to pay a fee ranging...
  2. selvakk

    CIBC OR SCOTIA BANK

    my landlord takes interact transfer, unless you rent from a big corporation or association, where they might accept credit card most landlord will take cheque, cash or bank transfer(interact). There is a company called plastiq, which will charge your card and do a interact transfer to your...
  3. selvakk

    CIBC OR SCOTIA BANK

    It depends on how much you use your card. I pay my bills in full and on time. I got upgraded from$500 credit limit to now I think $5000 and got upgraded to the next level of the card which gives 3% on grocery & gas , 2% on transportation, dining and recurring payments and for everything else 1%...
  4. selvakk

    CIBC OR SCOTIA BANK

    To add to what @Satvik212 said, CIBC has an option for a cashback card, but you must ask for it when you open the account. Scotia students don't have a choice of cashback card, at least to my knowledge.
  5. selvakk

    CIBC OR SCOTIA BANK

    I would suggest CIBC because my friend has scotia and they are charging lot of fees for bank transfers etc. You can always open a no fee bank account when you reach canada and cancel your account after the 1 year period.
  6. selvakk

    SCOTIA GIC OR CIBC?

    Every bank does that, whether you pay processing fee or not.
  7. selvakk

    Concordia&University of Montreal winter 2021 REMOTE news has potential PGWP affect

    How much of your program you can complete online How much of your program you can complete online depends on when you started studying and how long your study program is. You’re taking a short-term program that started between May and September 2020 You can complete 100% of your program...
  8. selvakk

    Post Graduate Work Permit Processing Time (PGWP)

    You can apply while PGWP is in progress. If you get an Invitation to apply for express entry while your PGWP application is still pending, you will have to do the following steps. https://www.cic.gc.ca/english/helpcentre/answer.asp?qnum=1134&top=29 I am watching a race between IRCC and WES...
  9. selvakk

    !!!Need Urgent Help Regarding Refund From Lambton College

    You are quoting me, quoting a post from August of last year. So, the question of the school currently allowing deferrals does not arise as the matter is now in the past, the OP has already got the refund.
  10. selvakk

    !!!Need Urgent Help Regarding Refund From Lambton College

    If you paid through flywire you will get refund through flywire in the account that you transferred the money from. I got a refund for the college residence as we had to vacate early due to COVID-19. It took a month and a half, so about 4-6 weeks for the money to reflect in the account. You...
  11. selvakk

    Confusion in selection of SDS or Non SDS

    october of 2020 or 2021 ? You need some sort of language proficiency test to apply for your study permit, you are just going to have to wait.
  12. selvakk

    Confusion in selection of SDS or Non SDS

    You want to apply for Winter 2021 ? , there is no need to rush, wait for IELTS centres to open and then take the test.
  13. selvakk

    Confusion in selection of SDS or Non SDS

    I am sorry, I have no idea about the process now.
  14. selvakk

    Confusion in selection of SDS or Non SDS

    SDS does nothing for PGWP or PR, just faster processing (normally) and less documents
  15. selvakk

    All questions on Student permit along with family.

    1. I am not in that sector, if you think that a person would still go for that despite having an MBA, then you should probably be able to convince the visa officer of that. 2. That would be the safer option. 3. Like I said before, mother would be tourist visa so it would mostly be granted if...
  16. selvakk

    High commission in new Delhi

    When you get your Visa on your passport the issuing location is printed there, but by then it probably doesn't matter.
  17. selvakk

    High commission in new Delhi

    The Edmonton, AB office is where most of the applications are processed. I am not sure if they delegate grunt work in other visa offices and then do the final issuing in Edmonton but if your application is online, that is most likely where you will get processed. I am assuming that since most...
  18. selvakk

    Not being able to obtain psgw?

    Non-DLI school can't take international students. You can't get a study permit for a Non-DLI instituition..
  19. selvakk

    All questions on Student permit along with family.

    1. Depends, if it's a business program then yes, if you are changing your career to something other than business then, maybe. Work experience is not an issue with regards to career change. I shifted from Hospitality to marketing and had 4-5 years of work experience in hospitality; I got...