u/Responsible_Rip4086

I’m looking for some objective opinions because I’m having trouble deciding.
I’ve been with TD for 11 years. I have my RDSP with TD Direct Investing, a TD Rewards Visa with a $9,000 limit, and I generally prefer TD’s overall banking experience.
Earlier this year I switched my day-to-day banking to CIBC because I qualify for the Smart Account with no monthly fee through the Disability Tax Credit. I also received a $600 sign-up bonus and was approved for a CIBC Dividend Visa with a $3,000 limit.
The problem is that I don’t enjoy banking with CIBC as much. I find TD’s service better, and when I checked my banking activity, I had 36 transactions last month. That means if I move back to TD, I’d probably need the Unlimited Chequing Account, which costs $17.95/month.
Would you pay $17.95/month for a bank you genuinely prefer, or would you stay with the free CIBC account just to avoid the monthly fee?
I’m interested in hearing how others think about paying for better banking service versus choosing the free option.

I’m looking for some objective opinions because I’m having trouble deciding.
I’ve been with TD for 11 years. I have my RDSP with TD Direct Investing, a TD Rewards Visa with a $9,000 limit, and I generally prefer TD’s overall banking experience.
Earlier this year I switched my day-to-day banking to CIBC because I qualify for the Smart Account with no monthly fee through the Disability Tax Credit. I also received a $600 sign-up bonus and was approved for a CIBC Dividend Visa with a $3,000 limit.
The problem is that I don’t enjoy banking with CIBC as much. I find TD’s service better, and when I checked my banking activity, I had 36 transactions last month. That means if I move back to TD, I’d probably need the Unlimited Chequing Account, which costs $17.95/month.
Would you pay $17.95/month for a bank you genuinely prefer, or would you stay with the free CIBC account just to avoid the monthly fee?
I’m interested in hearing how others think about paying for better banking service versus choosing the free option.

Hi everyone,
I had 3 credit cards, and I closed all of them about 5 days ago. After thinking it over, I realized that I do need a credit card for basic necessities, such as booking hotels, renting a car, or buying coffee and snacks while traveling through international airports.
The issue is that I have 7 hard inquiries on my credit report from the last 7 months. CIBC is my primary bank, and my goal is to keep things simple by having just one credit card that I only use when necessary and then pay off in full.
I’m interested in the CIBC Dividend Visa Card (no annual fee).
Given my recent hard inquiries and the fact that I just closed my previous cards, would it be better to apply now or wait a few months? If waiting is the better option, how long would you recommend?
I’d appreciate any advice or experiences. Thanks!