Credit score
How to improve your credit score is one of the most common questions Canadians ask when it comes to their personal finances. Unlike your budget and spending, you have no real control over your credit score. Yes, there are various things that you can do that will increase or decrease your credit score, but since…
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You may have heard that having a good credit score is something you should strive for, but what does that mean? Well, our credit score is a number between 300 and 900, the higher the number, the better our credit score is. This is important since we require a high credit score if we ever…
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Whenever you sign up for a new credit card, you’re always asked if you want to add a supplementary card or an authorized user credit card. These two options are the same thing and sometimes people refer to it as a joint credit card. Getting a supplementary card is a great option for many people…
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I don’t know about you, but it seems like I can’t go a week without someone asking me if I want a credit limit increase. Every time I use an ATM or go into a bank branch, I get asked if I want to take advantage of my pre-approved credit limit increase. When I’m doing…
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Deciding on the best prepaid credit cards in Canada is pretty subjective. Some people are looking for a prepaid credit card because they want to increase their credit score while others prefer a hybrid card that allows you to preload funds and get rewards while using a credit card network. Prepaid credit cards don’t give…
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By now we all know there are numerous types of credit cards; cash back, rewards, travel, balance transfer, etc. But, did you also know that there are secured and unsecured credit cards? What is a secured credit card? What is an unsecured credit card? Is one necessarily better than the other? Depending on your situation,…
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**This is a sponsored post written by me on behalf of Borrowell. All opinions are my own. Growing up I was fortunate that my parents taught me some of the basics when it came to personal finance. I was encouraged by them to open a bank account when I was young and they told me…
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I love to collect travel rewards points. It’s almost become an obsession. I’ve signed up for over a dozen credit cards in the last two years and I write about the topic here on my blog all the time. The reason I love travel rewards is that I get to go to some pretty amazing…
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If you’re Canadian and you’re thinking about moving to the U.S. or you’ve already moved, then you’ll want to hear about this new partnership between American Express and Nova Credit. Basically, if you apply for an American Express U.S. Personal Card, Nova Credit will be able to pull your Canadian credit report. This is important…
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Every year there seems to be a major cyberattack in Canada. The most recent one being the cyberattack on the Canada Revenue Agency which exposed the data of many Canadians. Shortly after that information was compromised, hackers used it to change the banking information of victims so they could fraudulently accept CERB payments. It sounds…
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