The Reddit AMA live portion is now over but you can read the full recap here. You can also still ask any questions if you have any since it’ll go right to my Reddit inbox.

Tonight (Wednesday) from 7-8pm EST on Reddit I’ll be doing a ask me anything chat about Canadian credit cards. There’s a stigma around credit cards because it’s definitely easy to fall into the rabbit hole. BUT, if used responsibly, there are so many benefits that many Canadians need to start taking advantage of. So I’m here to answer any and all of your questions! I’ll be answering questions at 7PM EST for 1 hour.

I have in depth knowledge of the Canadian credit card scene so you ask me anything from the best travel rewards credit card to what affects your credit score. Note that the actual link to the AMA won’t be available until we go live, so be sure to check my Twitter account and RateHub‘s for the link a few minutes before the scheduled start time.

In case you’re curious, here’s what’s in my wallet:

  1. American Express Gold Rewards – my main card, but this card is expiring at the end of the year, so I’ll be cancelling it and looking for a replacement card
  2. TD Aeroplan Visa Infinite – backup or main card when AMEX isn’t accepted. I signed up mainly for the huge bonus
  3. TD First Class Travel Visa Infinite – a great card when claiming travel on Expedia for TD. I get this free as a TD client
  4. PC Financial World Elite – I use this just at Loblaw’s owned stores and Shoppers for the 3% grocery credit
  5. Amazon.ca Visa from Chase – used strictly for foreign currency purchases since there is no foreign exchange fee
  6. Old RBC credit card – have had it for 10+ years and I keep it just for the credit history
  7. MBNA Smart Cash – used strictly for credit history purposes but it is a good cash back card

Note that the cards I use aren’t necessary the best in each category, they just work for me. I plan on cancelling some of my cards so drop by and find out which new cards I’ll be applying for.

Disclaimer: Although I am being compensated by RateHub.ca, a financial comparison website for mortgages, credit cards and GICs, to conduct this AMA, my answers are based on my own personal opinion and are not affected by compensation.

ask me anything on reddit about credit cards