We’ve all seen the devastating effects of the housing market bubble on the US economy. And, for years, we in Canada have kind of looked down on the United States for the loose lending standards and high level of household debt. However, Canadians may not have much to crow about soon. Canadians have surpassed Americans [...]
Credit Utilization: An Important Part of Your Credit Score
by Janet Hutchins on November 4, 2011 in Personal Finance
It’s true that the most important part of your credit score is your payment history. If you want to maintain a good score, you need to pay your bills on time, and in full. However, this doesn’t mean that you should overlook your credit utilization. Indeed, you want to make sure that you keep your [...]
Review: Alaska Airlines MasterCard
by Janet Hutchins on October 18, 2011 in Reviews
Alaska may officially be part of the United States, but, geographically, it’s attached to Canada, and Alaska Airlines is a great air carrier that operates in Canada. If you like to fly Alaska Airlines, you can receive a number of benefits if you use the MasterCard branded by the air carrier. The Alaska Airlines MasterCard, [...]
Do You Practice Conscious Spending with Your Credit Cards?
by Janet Hutchins on October 11, 2011 in Shopping
If you’re being honest with yourself, it seems pretty obvious that credit cards often make it easy to spend without really thinking about what you’re doing. It’s so easy to just swipe your credit card and go on your way. When you have one of the best Canadian credit cards, you might not think about [...]
Capital One Low Rate Guaranteed Secured MasterCard
by Janet Hutchins on September 23, 2011 in Reviews
One of the most important things you can do for your finances is to build good credit. However, if you have made mistakes in the past, or if you don’t have an established credit history, you might have difficulty getting access to a Canadian credit card that can help you build credit. In such cases, [...]
Why You Need to Pay Attention to Your Credit
by Janet Hutchins on September 17, 2011 in Credit Card Tips, Personal Finance
One of the most important things you can do for your personal finances is to pay attention to your credit. Indeed, your credit is becoming increasingly important to the way that financial service providers make decisions about you. Plus, keeping an eye on your credit might be even more important in the future — and [...]
Two New Credit Cards Available at Credit Cards Canada: Capital one Aspire Cash
by Janet Hutchins on September 2, 2011 in Reviews
Recently, two new credit cards have been made available at Credit Cards Canada. We are pleased to continue offering access to the best Canadian credit cards, and our new offerings, two Capital One Aspire Cash credit cards, are likely to to be great picks for certain customers. Both of these cards offer cash back, and [...]
5 Things College Students Need to Know About Credit Cards
by Janet Hutchins on August 23, 2011 in Credit Card Tips, Personal Finance
It’s an exciting time! Back to school seems to bring with it a great sense of freedom, especially for college students. Students are heading away from home, living on their own, and starting life. College also represents that time that students are beginning to experience financial individuality — moving away from the financial habits of [...]
Debt Pay Down Strategies: Consolidation
by Janet Hutchins on August 19, 2011 in Debt
When it comes to paying down debt, you need a good strategy. Without a plan, your efforts to pay off debt can fall flat, and it can take quite a long time to realize your goal of getting rid of debt. One of the strategies that you can employ to pay off your debt is [...]
Forget Credit Card Insurance: Use Income Diversity to Self-Insure
by Janet Hutchins on July 26, 2011 in Personal Finance
Some credit card issues, especially in the U.S., offer a special type of “insurance” meant to protect you in the even that you are unable to make the minimum payment on your credit card. The idea is that you pay a percentage of your credit card balance in “premiums” each month, and when a financial [...]
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Farhaneh Haque: Excellent read - I find that people are sometimes ...
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Farhaneh Haque: Great piece! Debt reduction is an important finan...
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Janet Hutchins: Here are some resources to help you access your cr...
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Theresa: I think the new money feels weird. but is kinda co...
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Barry TSP: I'd like to know where I can check my credit repor...
