Scotiabank Momentum VISA Infinite card Consumer Reviews

It was very easy to get the card, the card offers great features and cashback. However, I got an equivalent card from another bank with no annual fee. I called in to cancel this card and told again and again how at this time "it just doesn't make sense to cancel it". When I called in after my annual fee was deducted, the representative confirmed that I would get a refund for the annual fee and I should wait till my cashback is released in November. When I called back, I was informed there was no prorated refund and as it is over 90 days, I will not get any refund. Now that I've paid for the whole year, I might as well keep it, insisted the representative. I understand they will make an effort to ensure people don't cancel their cards, but they are not being genuine and will use shady methods to insist you on keeping the card. I am gladly done with this bank!