hi souljah,
im also one of the moderators for this website. me and jeankarla are trying to check on the members of this site on the progress of problems raised or any concerns posted.
in your case, we are checking on your credit card application with ScotiaBank. based on your latest post, you haven't applied yet but plans to visit the bank personally. that would be a good idea for the reason that you can raise all your questions about the credit card and its benefits or other inquires you have. you can also make sure that the application process is going to happen rather than wait and found out that no application was made.
we would appreciate your update regarding this. thank you.
if you have other problems or concerns about credit cards or personal finance then make a post and tell us about it.