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31 Mar, 2017
Savvy Tips
Essential advice when using your credit card abroad

Credit cards offer a number of benefits. One of which being the ability to make purchases when you're on holiday in a foreign country. Instead of carrying cash or traveler's checks, your credit card can cover all of your vacation expenses. When using your card abroad, however, it's important to remember these essential tips.

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17 Mar, 2017
Savvy Tips
Credit card practices that keep your bills higher than they need to be

No matter the type of credit card you choose or the amount of credit you are granted, poor credit card habits can land you in hot water. If you want to keep your credit card balance under control and your monthly payments manageable, here are some mistakes to avoid:

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03 Mar, 2017
Savvy Tips
What you should always buy with your credit card

When you apply for a credit card, it's important to decide how you plan on using it before you even sign up. If you already have a credit card and you're trying to choose the best way to manage your funds, it's a good idea to know when to swipe that plastic. Here are some things that you should always charge to your credit card.

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24 Feb, 2017
Savvy Tips
Rebuilding your credit with secured credit cards

Not everyone has a perfectly spotless credit history, and there are also those who have yet to apply for their very first credit card. A bad history or lack their of can have a severely negative effect on your credit score. A low score makes it that much more difficult to get future loans and other forms of credit approved. Whether you are looking for a second chance or even your first shot ...

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10 Feb, 2017
Savvy Tips
Credit card incentives are ever developing to attract more customers

Year after year, we see credit card providers come up with new ways to make their cards even more appealing to consumers. As the market becomes increasingly competitive, these card companies offer better deals than ever. Similarly, during times of economic struggle, these companies need to encourage consumers to continue spending money. Currently, there are four main types of credit card rewards:

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27 Jan, 2017
Savvy Tips
Benefits of paying more than the monthly minimum on your credit card

When you apply for a credit card, the first thing you need to remember is that you will receive a monthly statement with a minimum monthly amount due. While it is recommended that you pay this minimum amount, it is in fact in your best interests to pay as much as you can over and above this figure. Here are some of the advantages of paying more than the minimum monthly amount on your cards.

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13 Jan, 2017
Savvy Tips
How many credit cards should you have?

Once you apply for one or more credit cards, you will start to see the benefits. Other credit card companies might reach out to you, or you may reach out to them in order to find out about more credit options. Unfortunately, there will come a time when your credit card collection will prove more harmful than helpful.

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30 Dec, 2016
Savvy Tips
Business credit cards versus personal credit cards

One of the biggest decisions that consumers will need to make is the choice between a business credit card and a personal credit card. Each of which has its own set of pros and cons which is why they each appeal to different needs. Thorough research and a proper understanding of the differences between these cards will help you make the right decision. Here are some of the top differences:

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23 Dec, 2016
Savvy Tips
How to keep tabs on your credit cards

When it comes to managing your finances, you're bound to hear somebody tell you to keep track of your spending and the balance on each of your accounts. Although this might sound simple, it's easy to get lost along the way. With the increasing demands of everyday life, it can be tough to remember exactly where and when you swiped your card.

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06 Dec, 2016
Savvy Tips
What is a consumer proposal and how does it work?

When faced with any kind of debt problem, one of the most proactive approaches is a consumer proposal. These consumer proposals allow you to regain control of the situation by making it possible to suggest a direct settlement of your debt with your creditors. Filing for bankruptcy is another option. However, this reactive approach can have other negative repercussions.

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30 Nov, 2016
Savvy Tips
What you should know about your bankruptcy score?

Whenever you apply for credit, the prospective lender will consider several factors. One of the most well-known being your credit score. This score will indicate your creditworthiness as well as the level of risk associated with approving your credit application. Many lenders also use something called a bankruptcy score to determine whether or not to approve your credit.

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25 Nov, 2016
Savvy Tips
The pros of travel insurance benefits through your credit card

When comparing different credit cards, you are bound to come across more than a few that offer travel insurance benefits. These benefits can be extremely helpful in times when things don't necessarily go your way. Here are the main pros of opting for these kinds of credit cards.

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17 Nov, 2016
Savvy Tips
Tips to help you pay off your high-interest credit card

Credit cards can help you maintain a comfortable lifestyle and act as a safety net in case of emergencies. They can also help you build a great credit score. Different credit cards have different interest rates, and some are significantly higher than others. In addition, the more you spend, the greater the interest will become. Here are some tips to help you pay those high-interest cards off...

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09 Nov, 2016
Savvy Tips
Paying debt versus investing – what should you do with your money?

We all experience moments of financial difficulty from time to time. Whether due to personal, national, or international circumstances, we are bound to be faced with serious questions. When money is tight, it's understandable to consider whether to focus on paying off debt or leave your investments in fact.In order to find the best possible solution, a personal approach is required.

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31 Oct, 2016
Savvy Tips
Comparing Canada's top cash back cards

In order to make different credit cards that much more attractive, banks have added a number of benefits. Different packages and benefits suit different needs, which is why it's so important to consider your lifestyle before making a choice. Cash back credit cards are a popular choice for a number of reasons. If you tend to lead a fairly routine lifestyle and you don't do much traveling...

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21 Oct, 2016
Savvy Tips
How to recover from bad credit

Despite the fact that there are numerous tools and ways of checking credit scores in a matter of minutes, many people remain oblivious to their current status. On most days, your credit score might not matter all that much. However, when the time comes to apply for any kind of credit (like when you buy a home or car), your score will play a significant role in the approval process.

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01 Feb, 2016
Savvy Tips
Be savvy about Canadian credit cards!

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30 Sep, 2015
Savvy News
Growing trend in better debt management

Canadians seem to be turning things around in terms of debt management. In the past, we noticed a worldwide trend of overspending and many credit card holders were forced to make difficult financial decisions in order to dig themselves out of that credit hole. Today, according the TransUnion's credit monitoring reports, this is gradually changing.

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15 Sep, 2015
Savvy Tips
Top Credit Card Mistakes to Avoid

Credit cards are great for many reasons. Not only can they allow you to buy things you need when you’re short of cash but they also help you build a good credit score. Your credit score plays a huge role in the financial opportunities afforded to you by banks and other similar institutions.

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01 Sep, 2015
Savvy Tips
Looking to build credit?

A great alternative to building your credit is obtaining a Secured Savings Loan through Refresh Financial. The application process is extremely simple and can be completed in as little as ten minutes. Refresh Financial approval rates are exceptionally high and loan approvals are generally provided within just 24 business hours.

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03 Jul, 2015
Reviews
BMO Cashback World Elite Mastercard Review

The BMO Cashback World Elite MasterCard is proving itself to be a worthy contender compared to other popular credit cards. As you read through the benefits and drawbacks listed below, it becomes easier to understand how this particular card has managed to gain so much momentum in the market.

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03 Jul, 2015
Reviews
BMO Airmiles MasterCard Review

BMO has a number of different credit cards, and each of them has its own set of benefits and drawbacks. When choosing a credit card, it's important to know what you want, what you need and be aware of any potential deal breakers (like a high interest rate for example). The BMO Airmiles MasterCard offers great rewards for the right individual. It us important to remember that you can earn even more

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29 Jun, 2015
Reviews
BMO Cashback MasterCard Review: 1$ for every $100 spend with no annual fee!

We all heard the expression Cash is King and who would say no to getting cash back every time you make a purchase? It's like receiving a discount on everything you buy!

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18 Jun, 2015
Reviews
BMO World Elite MasterCard - Credit Card Review: The New Travel Card that leaves no competition!

Bank of Montreal’s World Elite MasterCard is becoming increasingly popular. Since it is a MasterCard, it is widely accepted throughout the country. There are three types of cards these days, and each of them caters to a specific need.

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10 Jun, 2015
Savvy Tips
Important Information that Your Credit Card Company Forgets to Mention

When signing any kind of agreement, you will often find the most important information tucked away within the fine print. When applying for a credit card, the bank or financial institution will do everything in their power to paint a pretty picture.

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08 Jun, 2015
Savvy Tips
What is the difference between a charge card and a credit card?

Credit cards and charge cards are two very different methods of payment, but they are often confused. Anyone looking into credit options will be faced with various choices that include but are not limited to these two cards.

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30 Sep, 2014
Savvy News
Costco and Capital One Strike a Deal!

Costco never fails to deliver top value for your dollar and this partnership card is no exception. The Capital One Platinum MasterCard offers great value with no annual fee. This reward card offers no limit on cash back rewards – rare among such programs – with 0.5% return on the first $3000 and 1% thereafter. There are also bonus cash back offers such as 3% cash back at restaurants and 2% on

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16 Sep, 2014
Savvy News
Big News from Costco Canada

Costco has shared surprising news regarding their long standing partnership with American Express. In an unexpected move, Costco has announced that they will stop accepting all American Express cards as a source of payment at their Canadian stores, effective December 31, 2014.

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06 Mar, 2014
Savvy Tips
7 Wallet Savvy Steps to Maximize Your Rewards

There are so many different credit cards on the market that offer different types of rewards. To help you decide which cards are the best you, here are seven Wallet Savvy steps that everyone should follow in order to ensure that the bottom line is always maximized.

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02 Mar, 2014
Savvy Tips
Did you know? Hidden Benefits Embedded in Your Credit Cards

Many of us use credit cards on daily basis but often forget the perks the cards come with. It is true that the premium cards (cards with an annual fee) have many more perks such as comprehensive travel insurance, rewards programs with enhanced features such as no blackout periods for travel, and more.

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26 Feb, 2014
Savvy Tips
Balance Protection Insurance – Is It for You?

Insurance coverage in many cases is very important, but is it right for you? Balance protection insurance can make a big difference to you and your family in case of many unpredictable circumstances such as illness, death, loss of job, hospitalization, disability and many others.

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22 Jan, 2014
Savvy Tips
Diversifying Your Credit Card Portfolio

There’s an age old saying, “don’t put all your eggs in one basket”. Well, the saying is very true for credit cards as well. It is important for each one of you to have a few correct cards in your portfolio to maximize the rewards and protect yourself.

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07 Jan, 2014
Savvy Tips
Are Credit Card Fees Really That Bad?

After all, who likes paying annual fees for a card that has interest rates as high as 28.9%? Here are five reasons why opting for credit cards with fees can help you be wallet-savvy

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29 Sep, 2013
Savvy Tips
7 Key Reasons Every Business Owner Should Have a Business Credit Card

One of the biggest mistakes business owners make is to use their personal credit card for business purposes. It seems harmless enough, but it could end up costing you later on. We hope this brief article will help you as a business owner understand why you should use a business card for your business needs.

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29 Sep, 2013
Savvy Tips
Applying for a credit card makes sense if you are 18 or older

18 is such an amazing age – you are an independent adult, with ambitious plans for a bright future. At this point, you probably have a credit card on which you are a secondary account holder with your parents.

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