If you’re struggling to keep up with your credit card bills, then here is how to do something about it and begin turning things around.
Credit Cards
We’re passionate about helping you develop money skills. Check out these informative and easy to read blogs posts about using credit cards responsibly.
Escaping the Credit Card Trap – FAQ
Do you rely on credit cards to make ends meet? Those payments on top of other expenses, can lead you to seek debt relief in whatever way possible.
What Happens If You Stop Paying Your Credit Card in Canada?
What happens if you don’t pay your credit card bills? Consequences can start out small, but will increase the longer you go without paying.
What to Do If Your Child Gets a Credit Card Offer
Your child receiving a credit card offer can be a sign of criminal identity theft. Here’s how to check and steps to take to prevent this. Click to read.
How Credit Card Limit Increases Help & Hurt Your Finances
Ever gotten a credit card limit increase offer in the mail or online? Accepting it can help or hurt your finances. What to know before making a decision.
Debt Consolidation with Credit Card Balance Transfer
A credit card balance transfer is one path to dealing with debt in Canada. Here’s what to know before trying debt consolidation through this option.
Dispute a Credit Card Charge in Canada & Get a Chargeback
Disputing incorrect credit card charges helps protect your hard-earned cash. Learning how chargebacks work now could save money and frustration later on.
How To Pay Off Credit Cards as Quickly as Possible
Discover the fastest ways to pay off credit card debt. One is mathematically the best but the other is psychologically the best. See which one appeals to you the most.
How Credit Card Cash Advances Work & What to Do Instead
While cash advances might feel like an easy solution to your financial woes, they’re an expensive Band-Aid solution that could snowball into more problems.
How to Stop Relying on Your Credit Cards to Make Ends Meet
Credit cards come with steep interest rates, will add up to a mountain of debt if not managed carefully, and can set you up for a lot of stress when an unexpected emergency hits. Instead of being a slave to your credit cards to make ends meet, here’s how to switch over to better money management strategies to get a handle on your money and debt.
How Do You Pay Off A Credit Card?
We are often asked ‘How do you pay off a credit card?’ The majority of Canadians have multiple credit cards, and for a lot of people, it seems like their balances continue to grow larger and larger. While you may faithfully make your minimum payments every month, it may seem like you’re hardly making a dent in your balances.
Dealing with Credit Card Debt, Advice from Last Year’s Self-Pay It Off
Looking back at Christmas & holiday spending, can you plan, budget & save better to avoid credit card debt? Start now: it’s halfway to Christmas in July.
Do You Need Credit Card Loss Insurance? Or Is It a Credit Card Scam?
A range of credit card insurance options are available to credit card holders, but having an understanding of these types of insurance is essential to avoiding a potential credit card scam.
How Do Credit Card Limit Increases & Balance Transfers Really Work?
High limits can mean more temptation. So what happens when you get an offer from your credit card company to raise your limit or do a balance transfer? How do balance transfers with convenience cheques really work?
How to Deal with Financial Infidelity
Finding out that your spouse hasn’t been honest regarding financial matters can put a lot of strain on a relationship. While this is difficult to accept, at least the problem is out in the open…
How to Get Back on Track If 1st Credit Card is Getting Out of Control
While my card isn’t maxed, I’m feeling a little nervous about how I’m going to pay my bill. Can you give me some advice before I become maxed out like my friends?…
Should You Invest of Pay Off Debt? Try a Balanced Approach
We are often asked ‘Should I invest my money or pay off debt?’ A: While it always makes sense to pay off high-interest credit-card debt, there are advantages to taking a balanced approach…
Credit Card Myth: You Can Afford Another Card If They Give You One
Just like many other companies, credit card companies send out bulk mailings to large lists of people in the hopes that they will end up with some new customers…
Not sure which option is right for you?
Get answers from an expert.
With so many debt consolidation options out there, it can feel overwhelming to try and find the right one by yourself. One of our professional credit counsellors would be happy to guide you through this process by carefully reviewing your whole financial situation with you and answering any questions you have. Speaking with our certified counsellors is always free, confidential and without obligation.