That's correct...

I was calling Canadian Tire to ask about their Canadian Tire Curve Mastercard as part of my research...
We don't offer those cards on this site... I want to compare that card to the Capital One cards we offer.

/capital-one-canada.html

and the MBNA cards

/mbna-mastercard-canada.html

mrngorickets,
I am thinking that you are talking about job interview questions.
I think Monty's interview with Canadian Tire was about his credit card questions.

Hi,

Thanks very much for this comment. It help me to think about my ideals.

Tks again and pls keep posting.

If you want to get more materials that related to this topic, you can visit: Canadian tire interview questions

Best regards.

Monty: Why would I have that over the curve? What's the benefit of that card of the Curve Master Card?

Canadian Tire Curve MasterCard: It's not. There's not really any difference between the two. It just used to be cash advantage. They changed it now where the Curve card just looks different. The Curve card has a different design to it, but there's no difference in the two.

Monty: Okay. I think that answers about all my questions. Do these have any insurances on them?

Canadian Tire Curve MasterCard: Any insurances on them, you�d have to purchase separately.

Monty: That answers my questions. Basically I'll just stick with the Canadian Tire Options Master Card then.

Canadian Tire Curve MasterCard: Yes, that's the one that's best for use and that I would stay with.

Monty: Okay, thanks for your help.

Canadian Tire Curve MasterCard: Youï're welcome. Have a nice day.

Monty: Bye.

Monty: For the $0.02, what’s the tier on that?

Canadian Tire Curve MasterCard: It’s anywhere from $0 to $499.

Monty: Okay. So I guess you’ve got to pick what you want to save your money on then.

Canadian Tire Curve MasterCard: Right. Credit cards work for different people.

Monty: Right. What else do you have here? You have cash advantage.

Canadian Tire Curve MasterCard: Cash advantage runs the same as the curve. You get your cash back and it’s the same tier levels as the curve card.

Monty: So why would I have that one?

Canadian Tire Curve MasterCard: Pardon?

Monty: While I’m here I might as well talk about these other ones. The Gas Advantage Master Card is this, just swipe the card at the pump and save up to 10% off per liter. Is that the benefit?

Canadian Tire Curve MasterCard: It is. It’s $0.10 off per liter. That card again runs on the spending pattern.

Monty: So what’s the lowest then?

Canadian Tire Curve MasterCard: The lowest in the Gas Advantage is just $0.02 per liter.

Monty: How much do you have to spend in order to get the $0.10?

Canadian Tire Curve MasterCard: To get the $0.10, that one has to be chosen - now this is monthly? You have to spend $2,000 or more a month to get $0.10 a liter.

Monty: That’s $2,000 of any type of purchase?

Canadian Tire Curve MasterCard: That’s right. For Canadian Tire Store purchases, the amount is doubled. So if you spend $500 at a Canadian Tire Store, it counts as $1,000 towards that.

Monty: I see. That makes a whole bunch of difference. So the option then is 1% across the board.

Canadian Tire Curve MasterCard: That’s right. The Options Card you get the 1% no matter what you spend on the card. So you have the Option Card - if you’re not someone that uses the credit card a lot the Option Card is better for you because you get that 1%. But there are people that spend a lot of money on their credit card every year and then if you can reach the $24,000 for the year then the Curve Card gives you a little bit better of the refund.

Monty: I see. If I was to transfer my options over to this card – because right now I’ve got 11.99% interest rate - will I be able to get that with the Curve Master Card?

Canadian Tire Curve MasterCard: We don’t just transfer them over with the Curve Card you have to apply for that card. You have to do the Curve application.

Monty: I think that answers - are there any other benefits with the Curve?

Canadian Tire Curve MasterCard: The biggest difference between the cards is really the rewards program.

Monty: You said if I did $24,000 a year,

Canadian Tire Curve MasterCard: You get 1.5%, the other one is .25%. The first level is .25%.

Monty: On your website it says, get up to 1.5% cash back everywhere you shop.

Canadian Tire Curve MasterCard: Right, but you have to reach that. It says up to right? So you have to reach that level of spending to get that 1.5%.

Monty: And in order to do that you need to spend minimum of…

Canadian Tire Curve MasterCard: $24,000 on the card for the year.

Monty: I don’t know if I’m doing that much right now. So in order to get that card I have to spend at least $1,500 a month?

Canadian Tire Curve MasterCard: In order to get that level of cash back, right. You’ve got different levels. With the Options Master Card you get your entire money, no matter what, at the rate of 1%. With the Curve Card, there’s a tier that we have to follow. So if you spend $0 to $1,500 you get .25% cash back. If you spend $1,500 to $3,000 you get .5% cash back. The next level is $3,000 to $24,000 that’s 1%. Then anything over $24,000 and this is yearly - anything over the $24,000 is 1.5%.

Monty: The $1,500 is per year?

Canadian Tire Curve MasterCard: Per year, and that gives you .25% cash back.

Monty: Okay, I certainly do that. It’s a declining balance. It sounds like the more I spend, the less I get.

Canadian Tire Curve MasterCard: No, the more you spend, the more cash back you get.

Monty: I just have some questions about your Curve Master Card. Are you familiar with that one?

Canadian Tire Curve MasterCard: Yes.

Monty: The Canadian Tire Curve Master Card, I’m just looking at your website right now, and right now I have the Canadian Entire Option Master Card. It seems the Curve Master Card gives me better benefits.

Canadian Tire Curve MasterCard: There is a difference and it’s certainly a different reward program. You have to spend so much on the Curve card in order to get and the more you spent the higher cash back you get.

Monty: What’s the minimum spend?

Canadian Tire Curve MasterCard: The minimum is $1,500 and that gives you 0.25% cash back.