churning – Money We Have

The Best Travel Credit Cards in Canada 2023: Top Ranked List

By Barry Choi | January 2, 2023 |

What Happens if I Don’t use my Credit Card

I’ve updated my list of the best travel credit cards in Canada for 2023. Since everyone has different travel priorities, I figured it would be a better idea to breakdown my list into categories. Admittedly, there’s some bias in this list, it’ll give you a starting point. To be clear, I do NOT recommend applying…

Does Applying for a Credit Card Affect Your Credit Score?

By Barry Choi | January 20, 2022 |

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? 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…