Méthodologie du palmarès Canada’s Best Credit Cards 2014 + MORE Sep 9th

« Obtenez une remise de 1 % sur vos achats », voilà un énoncé type tiré des annonces de cartes de crédit. Ça semble simple, n’est-ce pas? Nous pouvons vous assurer que ça ne l’est pas. La structure derrière la grande majorité des cartes de crédit est reconnue pour être complexe. Certaines cartes ont des niveaux de récompenses, ce qui signifie que vous n’obtiendrez une remise de 1 % qu’après avoir dépensé un montant précis. D’autres cartes quant à elles fixent un maximum de points que vous pouvez accumuler. La façon dont vous dépensez peut même dicter quelle carte vous conviendra.
Afin de vous aider à trouver la meilleure carte, nous avons décortiqué plus de 200 cartes de crédit afin de comprendre la façon dont les récompenses étaient attribuées. Nous avons étudié les cartes de crédit émises par la Banque Royale du Canada, la Banque TD, la Banque Scotia, la Banque de Montréal, la Banque CIBC, la Banque Nationale, la Banque HSBC, Capital One, la Banque MBNA, la Compagnie de la Baie d’Hudson, le Choix du président, les Services financiers de Canadian Tire, American Express, Chase Bank et les Caisses Desjardins…

NEW YORK, N.Y. – Shares of home-improvement retailer Home Depot sank before the opening bell Tuesday after confirming that its payment systems had been hacked, potentially exposing millions of shoppers who used credit and debit cards at its more than 2,000 U.S. and Canadian stores.
The breach could turn out to be one of the biggest in history. Home Depot did not say how many cards might be affected, but the largest U.S. home improvement chain did say late Monday that its investigation into the breach goes as far back as April.
The news comes nearly a week after a website that focuses on cybersecurity reported on Tuesday a possible hack of Home Depot’s data. The company said later that day that it was investigating the potential breach.
“We apologize for the frustration and anxiety this causes our customers, and I want to thank them for their patience and support as we work through this issue,” Chairman and CEO Frank Blake said in a press release.
Home Depot is the latest retailer to have a data breach…

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Apple reveals larger iPhones and smartwatch
CUPERTINO, Calif. (AP) — For the first time in years, Apple’s iPhones weren’t the star of the show. Apple unveiled a smartwatch on Tuesday, a wearable device that marks the company’s first major entry in a new product category since the iPad’s debut in 2010.
The move is significant because of recent questions about whether Apple still has a knack for innovating following the 2011 death of co-founder Steve Jobs.
The device’s introduction upstaged the company’s two new, larger iPhones, which won’t just have bigger screens; they’ll have a new, horizontal viewing mode to take advantage of the larger display.
The iPhone 6 will have a screen measuring 4.7 inches, while the iPhone 6 Plus will be 5.5 inches. In both cases, app developers will be able to design apps that can be viewed differently when the phone is held horizontally.
Apple also introduced a system for using the phone to make credit card payments at retail stores…

Fewer millennials are carrying a credit card these days, according to a recent poll by website Bank Rate. The American survey, which telephone polled 1,161 adults, found 63 per cent of those under 30 do not have a card. While these findings are affected by south-of-the-border legislation that limits credit card options for those under 21, it was also found that debt averstion – aka the fear of falling into a debt hole – is growing among this age group.
In Canada, however, where primary cardholders need only be 18 years of age, college campuses are rife with credit card kiosks, with some campuses in exclusivity deals with lenders. It takes only a stroll through the student centre for a freshman to be offered a credit card application. They should certainly proceed with caution – but should they say no?
The consequences of poor credit habits, especially at an early age, are costly and long lasting. But avoiding credit cards altogether could do students a disservice; it is at this time when responsible debt habits create a credit history and pave the way for mortgage qualification, insurance and other forms of borrowing down the road…

Universal History Archive/Getty Images
1. Apple launched new phones and, yes, a watch. The tech giant’s loyal devotees celebrated another in a long line of massively hyped product launches. The iPhone 5 will now begin its gradual descent into the land of yesterday’s gizmos, where many an Apple wunderkind of years past lies in obsolescence. The shiny new iPhone 6 and iPhone 6 Plus are the new kids on the block. The 6 is 4.7″ across, while the Plus is 5.5″, smaller than rival phones pumped out by Samsung. The new phones will allow for in-store credit card transactions and unlocking of rooms at Starwood hotels. Spiffy. But wait, there’s more. Apple is also launching a watch for a cool $349US. The catch: the wrist-bound toy requires at least an accompanying iPhone 5. Apple made the mistake of an attempted event livestream. When technical difficulties ensued, foiled watchers predictably aired their displeasure. Things got ironic, as they do on the internet.
2. A Syrian rebel leader died in a suicide attack…