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For example I see that DL miles never expire, and there's the ever slightly chance of me taking DL for US trips since I'm based out of YVR. You are going to also need to carefully consider once a year service fees. The All in One credit card charges no interest on balance transfer or purchases for the first 26 months, but after this any outstanding balances wuth new purchases will be charged interest rates of 15. The payments for the things you have lost can take time until the insurance companies actually pay you. Read article Q2 2019, credit card balances amounted to 4. Then it's off again a week later with the same outcome as the original loss. Get pllan credit card, use it for recurring expenses (gas, Netflix, etc) and pay off in full every month - no exceptions.

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