I am debating leaving Neo now because the cashback is limited to $800 and after paying bills it easily goes over that and is unfair so with Concetra bank I would get about $60 back a month and now I only get around $30 even after paying the $9.99 every month to get the premium cashback but it is not worth it and I am honestly disappointed with Neo.
Ohhh 
is that so? I’m sorry to hear. I’ve been thinking about adding the premium of $9.99 but wasn’t sure if I need a minimum in their everyday banking or not. I’m sorry to hear this.
Hey Ella! You can subscribe to premium at any time. You do not need to have any minimum balance in your account to do so! Let me know if that helps clarify things a bit or if you have any more questions feel free to post them below as well!
Hey @BandGeek12 Which card specifically are you using? With our Neo World Elite Card we have gas and grocery spend caps of $1000 on each category and this resets every single month, you also get 5% on grocery and 3% on gas on that card. Is this the one you are using?
@EllaBella I wouldn’t do it because you’re wasting $10.
I have the normal Neo money account card and Neo secured credit card. Even then charging a yearly fee for a secured credit card now too is really unfair. It seems like the Peoples bank who have taken over only want your money like every other bank. I’ve been with Neo since day 1 and it seems really unfair not to grandfather those people in.
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Hey there and pardon my tardy response. Thanks for letting me know. I thought about and decided not add their premium. Bad enough they charge $5 a month fee for their secured credit card.
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Hi Denisa thanks for replying, much appreciated. It does clarify.
This “Concetra” you mentioned. How did you come across it? Are you able to provide more info? Thanks in advance.
Hey, Concentr use to be the old bank that sponsored Neo, but now it’s called The people’s Bank Of Canada and I think this is why Neo is sucking so much and doesn’t care about the customer anymore.
Personally, I found a new one called EQ bank and it is the same thing as Neo but they actually treat you like a customer and not a bank card number. I hope that this helps 
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Hi and thanks! I’ll look into EQ. I only joined Neo get their secured credit card to help boost my credit really. I’ve noticed customer service agents don’t seem to know what they are talking about or don’t care for their jobs which is said.
Doesn’t seem like EQ offers a secured credit card only a master card. Their chequing account along with everything else looks decent. Thanks for providing info 
Sorry I mis understood. For your secure card you can get one from capital one no problem and set your limit. That’s what I have done and my credit score shot up so fast.
Hey there, that’s ok. Once upon a time I was a capital one customer and I’m no longer with them. My credit score improved without capital one and I was with them for about 3 years and there was no change. My credit improved in the past year without a credit card which is great. Now with Neo to see if it’ll help a little more and if does great and if doesn’t, I’ll continue doing what I’ve been doing which is pay bills on time and full 
I cancelled everything and left due to no cash back and super poor customer service.
Oh no 
sorry to hear. Why is no cash back given and did you find out?
@BandGeek12 sorry 
to hear you left for reasons you’ve mentioned and thanks for replying. It’s not nice that customers got screwed over because of this change. Thanks for the heads up.