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Sometime over the past month or so there were some changes to the Laurentian Bank Visa Infinite Card. It no longer has a welcome bonus offer (the 8x points) or first year annual fee waiver. They have also reduced the pre-authorized debit earn rate from 3 points per dollar to 2. I'm not entirely sure when the earn rate change happened as I don't check on this card as often as others but thought I would pass it along nonetheless. Learn more about this card here.