churning – Money We Have

The Best Travel Credit Cards in Canada 2026

By Barry Choi | April 19, 2026 |

What Happens if I Don’t use my Credit Card

With travel costs climbing, picking one of the best travel credit cards in Canada for 2026 matters more than ever. The right card helps you earn points or miles on the purchases you’re already making—points you can use to reduce the cost of flights, hotels, vacation packages, and more. In this updated list, I’m only…

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…