I am a victim of CBQ with this nonsense credit shield. Job loss protection and a lot of things that you don't need and will never benefit you. Switch to other bank. Some of the banks are here that don't add any thing on your credit card , like mashreq. I lost my job back in 2004 and CBQ just said sorry on my face with a smile and I end up paying the whole amount. credit shield and job loss benefit was in reality they will pay few months minimum while hiking the interest at the same time. after that you are looking a jail time.