cibc acquiring costco mastercards was too inconvenient for us. the app is a mess, too many ads about opening new accounts. a covid reminder that wont go away. too many "helpful" insights and resources that takes up way too many spaces. also payments take about 4-5 days to show up and get posted whereas the capital one would take 1 day to reduce the balance and show the accurate available credit, and the day afterwards to post the payment. gonna cancel this card and just stop shopping at costco