2019 will bring big changes, more control to first-time borrowers + MORE Jan 7th

The “Big Five” Canadian banks offer credit cards and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Did you know that there are many other options?
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A closer look at the newly refreshed Platinum Card from American Express + MORE Mar 11th

 The Platinum Card from American Express is now three weeks into its refresh and for the most part the changes have been well received.  Back on February 13th we detailed the refresh that saw two changes come to one of the best high end premium cards in Canada. The first change was the poi.... More »

Rolling in the Debt: Canada sees a rise in Household Debt Mar 19th

While the value of Canadian homes has decreased for the first time many years, the same cannot be said for Canadian debt levels. This past week, Statistics Canada released its National balance sheet and financial flow accounts looking at the last quarter of 2018, and it shows that the amount Canadi.... More »

Everything You Need to Know About Scotia Rewards Apr 29th

Everyday, consumers are becoming more and more savvy about finding value when they shop, and retailers aren’t the only ones responding. Financial institutions everywhere now offer loyalty programs, to entice value-conscious consumers. In this article, I’ll give you everything you need to know ab.... More »
 card points

May 22 Update: Netflix will be a 3x points streaming service for Scotia Gold Amex, some cards you should grab now and some you should wait for + MORE May 22nd

Last week we brought you a list of Streaming services that will earn 3x points on the Scotia Gold American Express as of August 1 and we missed Netflix on that list. We can confirm that Netflix is included. Others asked about Google or Amazon Prime and as Davidd418 commented on our post those pr.... More »

Great new offer for the TD Aeroplan Visa Infinite Card - Up to 30,000 bonus miles & first year free + MORE Feb 15th

 TD has just released one of the richest offers to date for their TD Aeroplan Visa Infinite Card! The new offer that is available here and only some other select digital channels (it will go live with TD in March) provides an awesome welcome bonus of up to 30,000 Aeroplan Miles and a first year.... More »
Beginning this year, young borrowers with thin or non-existent credit histories will be able to proactively influence their FICO scores by granting credit bureaus access to more of their financial information.

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How to Check Your Credit Score for Free

– canadianfinanceblog.com

When borrowing money from your bank or credit union, is it important for you to get the best possible interest rate?  If you have excellent credit, you’re well positioned to do just that.
Not only do lenders offer their best rates to their top clients, having a strong credit score can make life easier when you are trying to rent an apartment, or if you’re purchasing insurance.
If your credit history is poor, or you have no credit history at all, there are ways you can improve it. In this article, I’ll show you how to do that, and I’ll also show you how to obtain a FREE copy of your credit report.
Staying on top of your credit information will help you establish or rebuild your credit. You’ll see where your score needs improvement, which will allow you to make efforts to boost your creditworthiness.
I recommend that you check your credit reports at least once a year.
How To Get Your Credit Report For Free
One option is to get your credit report directly from the credit bureau…

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If the primary holder of a credit card on which you’re an authorized user dies, you can’t continue to use the card as it is illegal. If you have, these are your options.

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