Credit Cards

Applying for your first credit card is an exciting early step towards a healthy financial future. After all, credit cards can be a great way to build your credit score. In turn, a healthy credit score can help you qualify for better interest rates and save money in the long run. But how old do […]

What’s so special about a Visa debit card? It’s time you understood the plastic in your wallet. A Visa debit card is a type of bank card that allows you to make purchases and withdraw cash from ATMs, just like a regular debit card. The difference is that it also allows you to make online […]

Hudson’s Bay and Neo Financial teamed up in February to introduce a new, digitally-integrated Hudson’s Bay Mastercard. The new card replaces the old Hudson’s Bay Credit Card and Mastercard by American-based Capital One, which has exited the Canadian market. Let’s not put the cart before the horse; perhaps you’re wondering what Hudson’s Bay Credit Card […]

Tangerine bank offers one of the hottest no-annual fee money-back credit cards in the Canadian market today. While most cash back credit cards limit their rewards to one or two categories, while narrowing the offer even more with a monthly spend cap, Tangerine Money-Back Credit Card offers limitless cash-back earnings. And, there’s more: You get […]

Brim Financial might not be a well-known name in Canada, but it’s definitely very reliable and enjoys a positive image. The company offers a variety of credit cards that we will dissect in this review. Let’s get started: Introduction to Brim Financial  Co-founded by Rasha Katabi in 2015, Brim Financial is a fintech company offering […]

Can you pay taxes with a credit card? What a tempting thought! Income tax time is not the most wonderful time of the year. Unless, of course, you’re expecting a refund, then ‘tis the season to be jolly. But, for the rest of us, the Canada Revenue Agency (CRA) wants your money, and they want […]

A credit card vs line of credit, which one should you use? Look, we can’t all be Bezos. At some point, we all need to borrow money for something because we don’t have stacks of cash on hand. Many credit options are available when you need to borrow money. Two of the most common include […]

If you own a credit card, it is very important that you understand how its billing cycle works. In general, billing cycles determine which purchases will appear on any given statement and affect your payment deadlines. As a result, they can also have a big impact on your financial obligations, so understanding them can help […]

A positive credit card balance is what you owe your bank issuer based on credit purchases you’ve made during a given period of time. Failure to pay off a positive credit card balance will negatively influence your credit score. Making consistent credit payments improves your chances of getting approved for future credit cards, loans, or […]

While there may only be four major credit card companies in the world, there are 25 different issuers in Canada alone. That’s already a lot for anyone to keep track of, and it doesn’t make spotting a fake credit card any easier. Credit card fraud impacts millions of people annually, with an estimated $28 billion […]

If you have just got your first credit card, you might find credit card statements challenging to understand. Fortunately, credit card statements have similar layouts and provide about the same information. As such, you don’t have to learn how to read credit card statements each time you change your card provider. This article tells you […]

Setting up pre-authorized payments can make paying for bills, services, or subscriptions easy and convenient. Merchants will automatically charge your payments to you without you having to lift a finger. The issue is that some people forget about these payments entirely (think, a Netflix subscription you forgot you had or a membership program you signed […]