About Mitchel

Mitchel worked in card payment support at a Canadian credit union before moving into casino content, so he knows why a card payment gets declined from the bank’s side. He reads cardholder agreements the way most players read bonus terms, looking for the line that costs money.

Sports Career

Mitchel represented Canada in luge before joining the team. Born in Calgary, Alberta, in 1995, he has competed in the sport since 2011.

• 5th place in boys’ singles at the first Winter Youth Olympic Games in Innsbruck in 2012;
• 26th place in men’s singles at the 2014 Winter Olympics in Sochi;
• Bronze medal in the mixed team event at the 2016 World Championships in Königssee.

What Mitchel Does as Reviewer

• Repeats the deposit and payout tests on his own account with a card from a different bank;
• Compares his payout times with the first reviewer’s and flags any gap of more than one business day;
• Checks the casino’s payment terms for fees, minimum withdrawals and rules on paying back to the deposit method;
• Confirms each operator’s status with the AGLC for players in Alberta.

What Mitchel Does as Editor

He keeps the bank table current for TD, RBC, CIBC, BMO and Scotiabank, recalculates the cash advance cost example when a fee or rate changes, and makes sure every payment guide tells readers what to do after a decline. He also follows Alberta’s regulated online market, which opened in July 2026, and updates the province information as operators go live.

Contact Mitchel

Had a Mastercard payment declined or billed as a cash advance at a casino we list? Tell Mitchel at [email protected] which bank issued the card. Or reach him via X.com or mitchelmalyk.ca.