Q: is this amount of legwork justified by the small financial gain?

I don’t want to use BOC dCard when I could use credit cards.

— method: BOC dCard Giro
You can simply go to SSP to set it up. Once approved, they will release $160 security deposit.

Zero risk of late fee 🙂

See LateFeeCalc

— ? method to use BOC dCard without AXS? None