Most people in this modern world that we live in have a credit card. And the people that don’t may actually be doing themselves more harm than good. Building your credit rating up is vital if you ever wanted to apply for a loan or a mortgage, so you can imagine the disaster if you…
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Category Archives: Credit Cards
5 Ways to Make Your Credit Card Work For You
Credit cards are seen as evil, ugly – and most commonly – bad debt. However, owning a credit card does not automatically mean you will begin accumulating bad debt. In fact, there are a number of ways you can benefit from owning a credit card, and ways you can actually make your credit work for…
Lower Your Credit Card Interest Today With A Few Simple Psychology Tricks
If you’re like the majority of people in Canada there is a good chance you have credit card debt. Whether it is a couple hundred dollars, or thousands of dollars – there is an even better chance you could benefit from a lower rate. Unfortunately what people don’t realize is that a lower rate is…
What’s Yours Is Mine: Consolidating Your Debts After Marriage
The phrase “What’s yours is mine” is especially true when you get married. Not only are you joining together two separate lives, merging two households and sharing one another’s hopes and dreams, you’re also becoming the proud co-owners of each other’s debts. From here on in, your spouse’s debt is your debt, especially if you’ve…
How To Use Credit Cards Without Bankrupting Yourself
Credit cards, contrary to popular belief, are not a necessity. It is perfectly feasible to go through life without a credit card – but few are cash rich enough to do so and building credit is difficult without some kind of revolving credit in your history. Not to mention that making online purchases and accruing…
Insurance You Can Do Without – Credit Card Protection Insurance
Credit card protection insurance is another case of paying too much in premiums for very little protection. Many people signing up for this expect that it will pay off their credit card if they lose their job or become too sick to work. The truth about credit card protection insurance is that it will only pay the…
Federal Government Proposes New Credit Card Rules
The government proposed some new credit card regulations that, if passed, will require a minimum 21 day interest free period. Additionally, credit card issuers will post information on their statements such as interest rates, grace periods, minimum payments, annual fees and any upcoming interest rate increases. While these will help to stop the “snowball effect”…
