Credit score

how to get a credit card

How to Get a Credit Card in Canada: The easy steps

If you’re wondering about how to get a credit card in Canada, you’ve come to the right place. Many people assume that applying for a credit card is a straightforward process (which it is), but there are a lot of variables to consider. Every credit card has different qualification requirements and the card you apply…

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Capital One Quick Check Review

Improving Your Credit Score

**This is a sponsored post written by me in collaboration with Capital One Canada. All opinions are my own. Applying for a new credit card can be stressful at times. Even though you may have an excellent credit score, there’s always a chance that you could be rejected. To make matters worse, your credit score…

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How to Cancel a Credit Card in Canada

How to Cancel a Credit Card in Canada

Have you wondered how to cancel a credit card in Canada? You would think the process would be easy, but banks make it more complicated than it needs to be. Not only do you need to wait on hold before someone picks up, but you’ll also likely have to go through multiple people before your…

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When you apply for a credit card you take a hit on your credit score.

Does Applying for a Credit Card Affect Your Credit Score?

Does applying for a credit card affect your credit score? The short answer is yes, but if you have a decent credit score, it really won’t matter. To be perfectly blunt, if you have a good to excellent credit score, applying for additional credit cards shouldn’t be a major concern. For reference, I average six…

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What is a good credit score

What is a Good Credit Score? Improve yours now

What is a good 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 standing, but since your…

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How do Supplementary Credit Cards Work?

Have you ever wondered 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. Saying yes can be a great way for families to manage their finances, but are there any risks involved…

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Best prepaid credit cards in Canada

The Best Prepaid Credit Cards in Canada for 2022

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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The Best Credit Cards for Bad Credit in Canada for 2022

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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How many credit cards should I have

How Many Credit Cards Should I Have?

How many credit cards should I have is a question many people ask. Some people ask this when they have just one card while others wonder the same thing when they already hold multiple cards.  There’s technically no wrong answer if you use your credit cards responsibly. However, if you apply for too many cards,…

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Understanding Credit and Credit Cards as a Student

Understanding Credit and Credit Cards as a Student

*This is a sponsored post written by me on behalf of RBC. All opinions are my own. The financial literacy gap is widening between high school and post-secondary students – but not in the direction you might think. According to a new poll from RBC, 82% of high school students knew that paying the minimum…

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