CIBC Dividend VISA Card Consumer Reviews

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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
They are unpredictable and inconsistent, which makes all good features of this card into a negative. I had CIBC Visa for more than a year. They denied to let me cash in my points until the end of the year. Then upon cancellation, they agreed for a pro-rated amount to be returned on two occasions and then when the time came to cancel it, the customer service agent denied me a pro-rated amount return until I protected myself from CIBC customer service staff. Then I received it...