Credit score

How to Improve Your 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…

The Best Credit Cards for Bad Credit

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…

How do Supplementary Credit Cards Work?

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…

Should you get a Credit Limit Increase?

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…

The Best Prepaid Credit Cards in Canada

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…

Secured vs Unsecured Credit Cards

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,…

5 Pieces of Financial Advice I Wish I Knew in my 20’s

**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…

6 Ways Chasing Travel Rewards Can Hurt You

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…

American Express and Nova Credit Help Canadians get Easier Access to Credit in the U.S.

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…

8 Ways to Protect Yourself From Fraud and Identity Theft

**This is a sponsored post written by me on behalf of Capital One Canada. All opinions are my own. Did you know that March is Fraud Prevention Month? It may seem silly that we need to dedicate a month to fraud protection, but it’s created positive changes. According to a recent study from Capital One,…