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Building The Perfect Credit Card – Innovation In Canada & Abroad

Innovation in credit cards

Competition in the Canadian credit card marketplace is as fierce as ever. We’ve seen new partnerships, new issuers, new technologies, and new products launched at an unprecedented rate in the last few years. But the real question is, have we seen the type of jaw dropping innovation in the Canadian credit card marketplace that will wow Canadians, adjust their credit ... Read More »

The Most Affordable Personal Loans In Canada: Borrowell and Affirm Compared

personal loans canada

Maybe you need money for a sudden emergency, everyday expenses, to pay down high interest credit card debt or to consolidate a bunch of loans. Regardless of the reason, a promising roster of new online lenders is cutting out the middle man – banks and credit unions – and offering faster, simpler, cheaper personal loans Canada has eagerly anticipated. With personal ... Read More »

Scotia Launches New GM VISA Credit Card in Canada

Scotia GM Credit Card

Scotia Bank and GM have partnered to offer a new no annual fee co-branded credit card with a very rich rewards program. The program has already launched, and will offer cardholders a robust 5% in GM earnings on the first $5,000 spent on the card, and 2% thereafter. TD used to partner with GM, but the program was terminated shortly after ... Read More »

3 Questions To Ask Before Switching Credit Cards

switching credit cards

Credit card companies are smart. They know how to lure us, and they know how to keep us. But know this, the best value you’ll ever geat from your credit card company is when you first apply. Want proof? Will your credit card company give you a 0% interest rate for 12 months on your credit card balance with them? ... Read More »

9 Credit Card Secrets Banks Don’t Want You To Know About

credit card secrets

Credit card companies are exceptionally good at playing on human weakness. Whether through credit lines we mistake for income, convenience checks we mistake for convenient, or grace periods that have nothing to do with religion, easy money lies behind every door. That’s why we’ve put together 9 secrets Canadian credit card companies would definitely prefer you did not know. Frankly, ... Read More »

Scene Devalues Its Points – Make The Most of It.

Scene changes

As most of the country has already heard, the ever so popular Scene Rewards program is changing the way members can earn and redeem some, not all, Scene points. Despite the disapointment, we have a few tips to make the most of the situation. First, we want to make clear the change does not impact redemptions on general admission tickets. ... Read More »

Canadians Take On Record Levels of Debt, Save Less, But Remain Optimistic

BMO Canadian Consumer Debt Report

According to BMO’s recent report on Canadian consumer indebtedness, 80% of Canadians are in debt, owing on average of $93,000. According to Equifax, in an earlier report, Canadian consumer debt excluding mortgages averages $20,910. While consumer debt levels are rising, BMO’s research indicated Canadians are less stressed – a sign of their confidence in their ability to repay. Confirming sentiment, ... Read More »

Cash In On These 6 Killer Credit Card Perks

credit card perks

Let me guess… One of your favourite things about credit cards these days are the perks. If I guessed correctly, you’re not alone. And as most credit cards now offer either low rates or juicy rewards, competition has become fierce, putting a higher expectation on issuers to offer killer bonuses and perks with their cards. 1% cash back won’t cut ... Read More »