Heidi Unrau is a senior finance journalist at Hardbacon. She studied Economics at the University of Winnipeg, where she fell in love with all-things-finance. At 25, she kicked-off her financial career in retail banking as a teller. She quickly progressed to become a Credit Analyst and then Private Lender. This hands-on industry experience uniquely positions her to provide expert insight on loans, credit scores, credit cards, debt, and banking services. She has been featured in publications such as WealthRocket, Scary Mommy, Credello, and Plooto. When she's not chasing after her two little boys, you'll find her hiding in the car listening to the Freakonomics podcast, or binge-watching financial crime documentaries with a bowl of ice cream. Fun Fact: Heidi has lived in five different provinces across Canada and her blood type is coffee.
What is The Minimum Credit Score for Credit Card Approval in Canada?
The minimum credit score for credit card approval in Canada is roughly 660. However, this is not set in stone. It depends greatly on the type of credit card you’re applying for and the issuing financial institution. Other factors also come into play like your income, employment history, and debt load. It can also depend […]
Neo Prepaid Card Review
I signed up for the Neo Prepaid Card to see what all the hype was about. A year later, I love this card and use it frequently. It earns up to 15% cash back and is accepted everywhere that takes Mastercard. Plus, it comes with customizable perks and a free, high-interest account that earns 2.25% […]
Top 65 Money Influencers in Canada
At Hardbacon, we like to share content that helps you bring home the bacon. And a lot of this content is created by Canadian influencers, who also want to help you get richer. So we decided to compile a list of Canadian money influencers that are trending. Here it is! Kevin O’Leary Best known as […]
How Credit Card Updater Services Are Betraying Our Trust
Credit card updater services are the reason I have trust issues. When your credit card information changes, these programs send your new card details to merchants on your behalf. But you probably have no idea it’s happening. Sure, it prevents service interruptions if your card expires. And you don’t have to update all your subscriptions […]
First-Class Felon: 3 Aeroplan Tips From Canada’s Most Prolific Bank Robber
He was the Houdini of heists, hitting over 60 banks nationwide and pocketing millions. But Gilbert Galvan was no amateur. The infamous ‘Flying Bandit’ planned his robberies like I plan my Netlifx marathons – meticulously and with first-class snacks. He also amassed 160,000 Aeroplan points and VIP treatment from Canada’s largest airline. Here’s how it […]
The 5 Best Websites to Book Empty Leg Flights in Canada
Long security lines. Fighting for overhead bin space. Elbow wars over the armrest. Empty leg flights in Canada are the air travel hack you’ve been waiting for. Ditch the cramped seats, mouth breathers, and crying babies. An empty leg flight is a discounted one-way journey on a private jet. It’s like a super cheap limo […]
Nyble Review: Your Escape From Hungry Loan Sharks?
In the murky waters of private lending, people who are new to credit or have limited credit are fresh meat. Loan sharks circle while the JAWS theme plays faster and louder. Then along comes Nyble, a Canadian personal finance platform turning the tide against a predatory market. With zero interest charges and late fees, you […]
The Top 5 Bankruptcy Alternatives For Canadians Struggling Financially
Is crushing debt making you feel overwhelmed and hopeless? There are bankruptcy alternatives that offer a more positive path forward without the long-term impact on your credit score. Bankruptcy should be considered as a last resort. Exploring all available options is important to find the right solution for your unique situation. In this article, we […]
HouseSigma Review 2024: Is It Just Zillow For Canadians?
HouseSigma is a real estate website and app that gives detailed information about homes for sale, including estimated market values, historical sale prices, and neighbourhood trends. It uses artificial intelligence and big data analytics to analyze real estate data. HouseSigma is a powerful tool that can help you make more informed decisions when buying or […]