exchange at .879, pay off now or wait?

xe.com is pretty good for tracking exchange rates. Supposedly some credit card companies use their rates.:)
 
Ok I am not good with the exchange either. So I just checked ex.com, it says Cdn 1.125 for US, I call my bank every day or so and it says 1.1530, so where is the cheapest place to buy the US dollar.
 
5boys
my bank gives more of a discount if you buy 1000 or more.
 














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