what is scotia sccp premium charge. Call 1-866-267-4935. what is scotia sccp premium charge

 
 Call 1-866-267-4935what is scotia sccp premium charge  $0 /year

It is an installment service that is optional. No premium will be charged if your previous month's statement balance was. You're much better off covering your credit spending in other, more comprehensive ways like disability insurance or life insurance. A $100 registered account fee is levied annually on RRSP, RRIF, LIRA, and LIF when the balance is less than $25,000 (sometimes waived). $500. 00/month or. 5% on foreign transaction fees 7∆. Scotia Credit Card Protection The Bank of Nova Scotia is not an insurer and this is not an offer of insurance. 99% for cash advances; Income requirement: $15,000; Earn rate: up to 3% cash back; This no-fee BMO cash back credit card allows you to earn up to 3% cash back on everyday purchases, as. There are different coverage types, including. Get a quote for Credit Card Insurance Today!Purchasing Get Bill Balance Protection Insurance by Financial Stability for you and owner family in unexpected events. Available on Scotiabank Visa and Scotiabank American Express Credit Cards. Interest rate – Enjoy a 0% interest rate during the payment period and a low plan fee. topline coverage of a wide range of concepts that will come in useful in lots of different roles. Brenda Hawboldt, who lives in Sydney, N. 95/month – No monthly account fee by maintaining a minimum daily closing balance of $3,000 for the entire month: No Charge: $2. Most other premium cards charge around $50 to $39 a year for adding a supplementary cardholder. Should an unexpected life event arise, your insured Scotiabank debt could be paid in full, or monthly payments will be maintained for a. $0 /year. 09/$100) x 12 / 365. 800. Scotiabank doesn’t allow cardholders to cancel their credit cards online. Users also have the option to add Scotia Credit Card Protection for insurance coverage. 21 INFORMATION ABOUT THE DECEASED Scotia. 09 per $100 of Your Average Daily Balance until your 70th birthday, and $0. The longer you save, the higher your interest rate. Calculating Balance forEarn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. 99/transfer ♢. 99% introductory interest rate on balance transfers for the first 6 months (22. For more information, please call 888-4-SCOTIA (72682) or visit our website at ** Cash Advance Fees are 7. Visa* Card (for students) Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. 22. It requires the cardholder to pay a fixed yearly fee to use the service. Fees, rates & other information. I'm getting a fee tacked on to my credit card every month from Scotiabank. Switch or close your account. 81 CREDIT VOUCHER/RETURN SCOTIAREWARDS- Scotiabank American Express Card #32 – 850 SADDLETOWNE CIRCLE NE CALGARY, ALBERTA T3J 0H5 POST DATE. 21. From the Services menu, select Stop Payments then click Stop Payments Request to access the Stop Payments screen. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is asHow to remove a stop payment. For example, if you spend $1500 on your credit card in August and $2300 in September, then you’ll pay about $15 for August’s insurance and $23 for September’s. 50 J$3,390. A flexible and accessible installment plan on your credit card can be a helpful tool for making big-ticket or unexpected items more affordable. This may go beyond the term of the loan. Find the mortgage you’d like to apply for. Amortization Period - The actual number of years it will take to repay a mortgage loan in full. pdf - PL E Scotia Credit Card Protection M Certificate of Insurance SA Please keep in a safe place. Unlimited debit transactions 3, Interac e-Transfer † transactions, and Scotia International Money Transfers ±. Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term. Annual Fee. 99% cash advances. Got ampere quote for Credit Card Insurance Today! Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. For answers, check out our FAQs. International Money Transfer ±. Earn 6 rewards points for every $1 spent on eligible travel purchases. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. This credit card has a $39 annual fee, an interest rate of 19. So I have SCCP on my credit card and a balance of just under 2000$. issued to The Bank of Nova Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. Rev. Reasons why this Credit Card is perfect for you if you: This Credit Card is not right for you if: Fees, rates & other information. Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. Apply for Scotiabank American Express No-Fee Travel Credit Card and get travel benefits, Scotia Rewards points and access to special offers & more. 2 Plus no annual fee in the first year . Unlimited free Global non-Scotiabank ABM withdrawals 6. credit card benefits. You’ll need to fulfill the standard qualifications like Canadian residency, age of majority in your province, and no bankruptcies in the last 7 years. Credit card. a^I%7B9xB. For the year of July, Mary has the folowing balances through 31 days. 95 per $100 of Your Average Daily Balance until your 70th birthday, and $0. In that case, your utilization ratio across all your cards is 20% ($4,000 divided by $20,000 = 20%. 99% introductory interest rate on purchases for the first 6 months (20. SAMPLE Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of:installment plan and a low fee 2. 00% for 6 months. Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC) Welcome to Scotiabank, a global bank in Canada & the Americas. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. 25 per contract for options trades if you execute more than 150 trades per quarter. Banking 101 – Insurance. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is asYou might think there’s a cost advantage, but this insurance is expensive at around $1 a month for every $100 spent. Daily Premium Rate ($1. The last thing you need to worry about during an emergency is how to pay your bills. Basic Bank Account. Interest Rates. With the Preferred Package (former Scotia One Account), get a first year annual fee waiver on. Scotiabank Premium Banking - Trinidad and Tobago Your Premium Banking package includes 4 lounge access visits per year. A “low activity account administration” fee of $25 per quarter is charged if your account balance is $10,000 or less (non-registered accounts). 25/month: $2. P. Your forms can be mailed, faxed or emailed to the contact information provided in the form. No Charge No Charge No Charge No Charge J$987. Step 1: Find out the total amount of daily balances SAMPLE Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: installment plan and a low fee 2. Customers need to have a Line of Credit with Scotiabank in order to add protection. Daily Balance. It can complement other forms of Insurance like employer work benefits, or other insurance plans, that were to be allocated for other needs, such as looking after your. To qualify, certain conditions must be met. 99, preferred rates on select GICs, and the monthly account fee is waived on a Scotia U. 1-855-753-4272. One of the best things about the Scotia Ultimate package is the transaction freedom you get. 60" seems to be a fee. 60 for every $1,000. Scotiabank Customer Service: 1-800-472-6842. 50 J$498. There are a couple of reasons for this. Earn up to $360 * in welcome bonus value and Scotia iTRADE savings when you bundle your banking. - 6:00 p. Earn 2 Scene+ points on every $1 you spend at Participating Co-ops, FreshCo. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 1. 3. You can also add optional Scotia Credit Card Protection insurance. At no additional cost, coverage is extended to cover an eligible co-borrower on your. 10% interest on your Momentum PLUS Savings Account 7. Earn 2X the Scene+™ points for every $1 you spend on all your eligible purchases 1. $0 - $350,000. S. Continue to earn and enjoy your credit card benefits like your rewards, cash back, and insurance coverage. SCOTIA SCCP PREMIUM. The Scotiabank Gold American Express Card is one of the best credit cards in Canada. What's the Scotia Momentum Visa Infinite's foreign transaction fee?To qualify for the special offer, make sure to: 1. Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of. Get a quote for Credit Card Insurance Nowadays!Rewards Potential. Phone. A maximum of two people per eligible Scotiabank Loan can have. &Sobeys, Safeway, Foodland. The premium rate for coverage under Scotia Credit Card Protection is $1. Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number . Posted Rate. 99% introductory interest rate on balance transfers for the first 6 months (22. Get a quote for Credit Card International Available! Scotia Credit Card Protection (optional) ° This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job. The premium rate for coverage under Scotia Credit Card Protection is based on Your Daily Account Balance which is calculated daily and billed monthly. Monthly premium amount Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. 40% of learners upskilled to new roles. # of Days. 95 per $100 you owe, plus applicable sales tax. (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Scotia Momentum®. Specifically, the class action lawsuit alleges that the banks and credit card companies act unlawfully by: (a) misrepresenting and omitting many important facts regarding the terms of the “protection;” (b) enrolling and charging customers without their consent (“slamming”); (c) enrolling and charging consumers for the “payment. Conventional Mortgage Charge - (in Quebec, an immovable hypothec): security is provided in favour of Scotia Mortgage Corporation (SMC), a wholly owned subsidiary of Scotiabank, registered in first position priority on the land and building. American Express extended warranty won't pay more than the covered purchase amount charged to your card. Hi folks. Cost $1. The Home Buyers' Plan (HBP) is a government program that lets you withdraw money from your registered retirement savings plan (RRSP) to buy a home. Get your first annual fee waived on select premium Scotiabank credit cards. m. 1. 10. spokane valley residential parking laws. Your. topline coverage of a wide range of concepts that will come in useful in lots of different roles. Quotidian Premium Rate ($1. Buy Credit Card Balance Protection Policy for Corporate Stability for you both your family in unexpected events. As part of Scotiabank’s commitment to your online security, we have compiled a list of frequently asked questions about basic security measures and Multi-Factor Authentication. Get a 2. e. Interest rates: 12. Card Types. Scotia Credit Card Protection offers. Fund expenses You do not pay these expenses directly. $150. The hidden cost of credit cards: Canadian retailers lost a case this week over high fees for processing premium credit cards. The card is equipped with cash-back rewards and the ability to save on car rentals at Avis and Budget. 2. And that’s it!The annual fee for this option is a little higher than that of the Scotiabank Value Visa Card ($39 as opposed to $29). 99% on purchases and 22. Get a quote for Credit Card Insurance Today!Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. 2,‡. 25/month. 83 per month. By signing up for the Ultimate package of Scotiabank, you can avoid wire transfers and transaction fees. Or you can visit a branch or call an advisor. It earns 5 points per dollar spent on groceries, restaurants, and entertainment, the highest rates in those categories on any credit card. Life. Annual fee. No Charge: No Charge: No Charge: Basic Plus Bank Account: $11. The Premium version also lets you upload 1099-NECs and 1099-Ks from clients via photo, as well as import income and expenses from Square, Uber and Lyft. No monthly account fee 1, unlimited debit and Interac e-Transfer † transactions 2. SCCP on credit card. Earn up to $550 with a Scotiabank banking package and TFSA or RRSP. SCOTIA CREDIT CARD PROTECTION CLAIM FORM CRITICAL ILLNESS / HEALTH CRISIS PROTECTION CLAIMANT STATEMENT Unity Managing Underwriters Ltd. 09/$100) x. The policy is renewable until age 75 with no additional medical underwriting. A main benefit of an RESP is allowing a portion of the RESP withdrawal to be taxed in your child’s hands. Prepaid Credit Cards. Examples of these insurances include car rental insurance, trip cancellation insurance, trip interruption insurance, travel medical insurance and purchase warranty insurance. 7092 F +1. SCCP on credit card. Buying Credit Card Balance Protection Insurance for Financial Stability for to and your family in unexpected events. Each supplementary Card 3. 95 per month ($4 discount for seniors 60+) or $0 with the minimum balance. Scotia SelectPay TM A new, flexible way to pay off your eligible Scotiabank Visa credit card purchases of $100 or more, with no interest rate on your plan and a low fee. One high-interest savings account. Scotiabank Premium Banking - Trinidad and Tobago Your Premium Banking package includes 4 lounge access visits per year. 99% cash advances. Hawboldt was trying to buy a few things at a convenience store, but her debit card kept. Scotiabank customer ratings. 2. As a premium rewards card, there are very few surprises around the Scotiabank Momentum Visa Infinite’s fees and rates. What is Scotiabank Internet Banking?Mary is one primary credit card holder under the age of 70 plus is enrolled in Scotia Credit Card Protection insurance. What is STEP? The Scotia Total Equity Plan (STEP) is a flexible borrowing plan tied to the equity in your home. Scotia Aria Conservative Defend Portfolio - Premium Series 2. Cost of each supplementary card. Either an Eligible RRSP or Eligible TFSA. Say you signed up for credit card balance insurance. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. Rates and fees are in effect as of June 13, 2022 and are subject to change at any time. 11 Learn more. $0 /year. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon. This means your average balance is just over $1000, and you're basically paying an extra 12% a year of 'insurance'. The Scotiabank Premium Banking Package includes 1 your choice of either a local currency or US dollar Δ transactional account, together with one or more local currency or US dollar Δ savings accounts. 5% and 3% when you use them overseas, say on a vacation in Europe or during your semester abroad. net Rev. 416. Earn points on everyday purchases with the Scene+ TM program 3. Alliance RV Avenue 26RD fifth wheel highlights: Escape to your favorite destinations with your favorite person in this fifth wheel! The front private bedroom has a queen bed with nightstands on either side to set a glass of water on, and a wardrobe to keep your clothes looking nice. The e-Transfer limit for sending funds through a Scotiabank Ultimate account is $25. 89 per $100 of your account balance, calculated daily until your 70th birthday, at which time both bundles reduce to only the Life Benefit at a monthly premium rate of $0. Debit transactions 3. Minimum credit limit of $10,000. Chubb Life Insurance Company of Canada, nor can they waive or change any terms. $350. To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. Please keep in a safe place. The monthly premium rate is $1. Comprehensive Protection Insurance Premium Calculation Example: Your premium is calculated based on your Daily Balance. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. 800. Used the month of Julia, Maria got the folowing balances over 31 days. is a member of the Canadian Investor Protection Fund (CIPF), a not-for-profit corporation that safeguards investors’ money in the event a financial institution goes. Clients with a Scotiabank Ultimate or Scotiabank Preferred chequing account package earn additional interest. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. Coverage to help you and your family stay financially on track through unexpected events. com M: 782-0893. No monthly account fees or minimum balance required. Insert cost of coverage is the sum of an charge premiums for the billing period. A line of credit is a revolving borrowing solution that allows customers the flexibility and convenience of accessing funds to meet their diverse borrowing needs, typically at a lower interest rate. 99 per trade and Trade 1 Get 1 Free at Scotia. Based on the latest information available from the Bank of Canada, the average interest rate is 6. Scotiabank Platinum American Express. 4% that you'll earn on all savings. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. 2 out of. Murfreesboro Police on Thursday released body camera footage of the shooting the day before, blurring out the face of Steven James Murphy and stopping the. Scotia Flex Value Mortgage-Closed 5 Year Term. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your Scotiabank credit card protection please call us at 1-855-753. Compare American Express Credit Cards;. Buy Credit Card Balances Protection Insurance for Financial Stability for you and your family in unexpected show. They affect you because they reduce the returns of the Premium T Series units of the Fund. For inquiries. 20. Requirements. 00 003 Apr-14 Apr-14 SCOTIA SCCP PREMIUM 9. 416. Freshen up each morning in the full bathroom with a 30" x 36. Guaranteed level premiums ensure your premium won't increase during the term, even with changes in health. Low Trustpilot rating: Scotiabank scored 1. Scotiabank Gold American Express® Card. Scotia Credit Card Protection: Death, Critical Illness, and Hospitalization coverage are available in the Basic Protection Bundle. Interest is also payable on overdrawn balances, calculated daily at 21% (per annum), charged monthly. As of December 31, 2022, Premium T Series units of the Fund's expenses were 1. Explore line of credit interest rates from 3 different types of. 221. The charge is $. 00% interest rate for six months. S. 5%-3% for card. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. One important thing to consider before deciding how much you can afford is how much you have available to put towards a down payment. 99% introductory interest rate on purchases for the first 6 months (20. 1 (800)472-6842. Buy Credit Card Rest Protection Insurance in Treasury Stability for you and your family in unexpected show. 05 006 Aug 8 Aug 8 ROTHMANS BENSON AND HEDGE NORTH YORK ON INSTALLMENT FEES 1 OF 3 P AYMENTS 1. For starters, cancelling over the phone may be a more secure way to ensure that the registered cardholder is cancelling the account. ® Scotia® Credit Card Protection Application INFORMATION ABOUT YOU Primary Borrower Name Scotiabank Credit CardOpen a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2023 to qualify. Entering and Transmitting a Stop Payment Order. 00 $1,114. Flexible payment options. (T. 10% intro offer (Ends October 31, 2023), Earn 4% for. SCCP CERT English 1471414 10 18Sample. $399 annual fee. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. They affect you because they reduce the returns of the Premium Series units of the Fund. 30Unlimited Transactions and Interact e-Transfers. Life and Critical Illness Protection: The cost for single Life and Critical Illness Protection is $0. Cost of each supplementary card. Visa. Pre-order or sign up for more. Scotia SelectPay TM A new, flexible way to pay off your eligible Scotiabank Visa * credit card purchases of $100 or more, with no interest rate on your plan and a low fee. Premiums are calculated as per the Certificate of Insurance and are subject to eligibility requirements. 1 With STEP, you’re in control. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. BMO CashBack MasterCard. 3. D. 40 MR DAKSH SUNEJA - 4537 351 203 275 012 002 Dec 16 Dec 19 TIM HORTONS #5766 BRAMPTON ON. 00 $688. Scotia Credit Card Protection insurance is an optional insurance product available to Credit. The Scotiabank Passport Visa Infinite is a flexible travel rewards credit card that has a lot to offer, but also comes with a few drawbacks. m. Scotiabank Passport Visa Infinite Card. Get a quote for Credit Card Insurance Today!The Scotiabank MomentumPLUS Savings Account is its high-interest savings account. 4. Flat Premium – A flat premium is a fixed amount that a policyholder pays for a specific period of coverage, regardless of the number of claims filed. There are usually 4 common coverage options available through Mortgage Protection Insurance: 1. . Every. TRANS. Get a quote for Credit Card Insurance Today!Mary is a preliminary credit card holder lower the age of 70 furthermore your enrolled are Scotia Credit Card Protection insurance. Comes with available all-wheel-drive and advanced safety technology. Get adenine quote for Credit Card Insurance Today!When you cancel an eligible Scotiabank credit card, or you switch your eligible Scotiabank credit card with an active installment plan to a Scotiabank credit card that is not eligible for installment plans, the installment plans will automatically get cancelled. 00: Flat charge for each order negotiated on due date JMD 408. 95 per month, but you can get this waived with a minimum balance of $4,000 every day of the month. 25 for monthly paper statements (free digital statements included) Incoming wire transfers cost $15. Life Protection: The cost for single Life Protection is $0. Scotia SelectPay TM. Scotia Chubb Life Insurance Compan yo f Canada Scotia Credit Card Protection A. To qualify for the 40,000 bonus Scene+ points offer:0% introductory interest rate on balance transfers for the first 10 months (12. Apr 14. Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments. End of. 51% of its value, which equals $15. It is a government body and became the first government. En cas de décès, d’hospitalisation ou de maladie grave couverte, la Protection Carte de crédit Scotia prévoit le versement d’une prestation non imposable pour payer le solde de votre compte de carte de crédit en totalité, jusqu’à concurrence de 50 000 $. They affect you because they reduce the returns of the Premium Series units of the Fund. Annual fee. The premium rate for coverage under Scotia Credit Card Protection is $0. 99 if you make 149 trades per quarter or less. Your completed Scotia Line of Credit Protection application, the letter confirming Your coverage elections under Scotia Line of Credit Protection,The Scotiabank Ultimate Package is a premium chequing account that comes with a ton of perks including a generous welcome offer, unlimited and free transactions and e-Tranfers, and even free global ATM withdrawals. SAMPLE. 60" seems to be a. Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. $110 /year. Low interest rates. Say you signed up for credit card balance insurance. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 00 $0. This card has an impressive points system offering up to 3 Scene+ Points for every $1 spent on eligible purchases. This is a Buy Now Pay Later (BNPL) service. Many financial institutions also offer balance protection. Free credit check. $0. 416. 38 $2,000. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. Receive a quote forward Credit Card Insurance Right!TIP #1: Withdraw tax efficiently. Card. 19. No Charge No Charge No Charge No Charge J$1,000 No Charge No Charge J$505 J$500 J$3,435 -. 1. Call now. 2023 Best of Finance Winner: “Best Credit Card with No Foreign Transaction Fees for Long Stay Travellers. Aged 18 to 64. Poor Trustpilot rating: 1. 800. 38. Enjoy international purchasing power and avoid the worry of carrying cash with Scotiabank's suite of credit card products. Day-to-day Offset # of Days Daily Premium Course ($1. You’ll have to call Scotiabank to request card cancellation at 1-866-267-4935. If you're trading stocks or options, you'll pay a fee of $4. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Systems Security Certified Practitioner (referred to simply as SSCP) is a technical certificate or credential from the International Information Systems Security Certification Consortium or (ISC)2, which shows that a candidate has skills in implementing, managing, and maintaining information security to safeguard IT infrastructure. 99 for making more than 150 trades per quarter, or $9. O. Minimum credit limit 6. It can help you pay off your outstanding credit or loan balances or cover payments for a period of time if an unexpected life event happens, such as a critical illness, becoming disabled, or passing. Coverage to help you and your family stay financially on track through unexpected events. So I have SCCP on my credit card and a balance of just under 2000$. Complete any two of the following actions within 60 days of opening your Ultimate Package:. PDF SAMPLE - scotiafunds. Scotia SelectPay TM A new, flexible way to pay off your eligible Scotiabank Visa * credit card purchases of $100 or more, with no interest rate on your plan and a low fee. 1,323% ROI in two weeks, cost-to-benefit ratio of 1:7. 1. Scotia Credit Card Protection The Bank of Nova Scotia is not an insurer and this is not an offer of insurance. 2.