churning – Money We Have

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

By Barry Choi | September 16, 2023 |

What Happens if I Don’t use my Credit Card

Choosing the best travel credit cards in Canada can be a bit subjective. Some lists you’ll see out there will only mention cards where they have an affiliate. However, with my list, I’m only recommending cards that I’ve personally held and used at least once. This ensures my recommendations are authentic since I can speak…

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…