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Tips & Hacks

Tired of Paying 29.9% on Your HBC MasterCard? Cut it to 0%.

HBC MasterCard

Are you tired of paying a 29.9% interest rate on your HBC MasterCard or store credit card? You should be, it’s an exhorbitant amount of interest. The good news is, there are plenty of alternatives. We’ve found several solutions, that will allow you to cut your interest rate down to 0% for 12 months, hopefully giving you the time you ... Read More »

5 Ways Store Credit Cards Can Hurt You

store credit card

Have you ever signed up for a store credit card just to get a discount on a purchase or to get 0% financing for 12 months? We see it every day at stores like Ikea, Sears, Home Depot and The Brick. On any given day, a sales associate could ask you if you want to save an additional 10% by ... Read More »

7 Reasons Why You Need A Credit Card Today

7 Reasons Why You Need A Credit Card

Rightly or wrongly, credit cards have taken their lumps as the Midas of consumerism (the story of Midas getting too close to the sun, not the auto parts retailer). Credit cards are tempting, but get too close and you may get burnt. But for all the temptations and dangers credit cards present, more of us are using them than ever ... Read More »

You’re Covered: Canadian Credit Cards With The Best Extended Warranties

credit card extended warranty coverage

One of the hidden perks of shopping with a credit card is that many cards offer Extended Warranty Protection for purchases that  come with an original manufacturer’s warranty. Considering that many retailers charge from 10% to 20% of the purchase price to get extended warranty coverage, there’s tons of value in these cardholder benefits. All you have to do is ... Read More »

20 Golden Rules of Credit Cards

credit card tips

If you only read one article to get tips on how to get the most from your credit cards, read this one: 1. Pay down your credit card bill every month Pay down your credit card bill monthly. Don’t just pay the minimum, or you will quickly find yourself with a snowballing mountain of debt that will be hard to ... Read More »

How to Borrow A Lump Sum of Cash at 0%

money transfer credit card

It’s not often banks lend money for free. But there is a strategy that lets you borrow money without paying one red cent in interest – and it’s available to all Canadians. In fact, we’ve seen people borrow up to $90,000 interest free with this technique. So who offers these ridiculously cheap, if not irresponsible loans? Canadian banks charge 7.5% ... Read More »

Secrets To Cheap Gas Prices At Canadian Pumps Revealed!

cheap gas prices

We have a few tricks up our sleeve to help Canadians save a bundle at the pump. Don’t look to Shell, Petro or Esso credit cards to relieve pressure from ever increasing gas prices. You can save far more by combining certain general rewards and cash back credit cards with a gas station’s points program. We’ve crunched the numbers and we’ll ... Read More »