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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 credit

Scotia Passport Visa Infinite Card sees increased sign up bonus of 30,000 points + MORE Mar 2nd

Many of have you asked whether the well rounded Scotia Passport Visa Infinite Card would ever see an increased sign up bonus and/or have a first year free offer. Good news is that today Scotia launched a new offer for the card that sees an increased sign up bonus. Right now when you apply for the ca.... More »

How criminals are using the low-interest credit card scam to steal your identity + MORE Feb 22nd

It starts with what sounds like a promising phone call: For a one-time fee, you can lower the interest rate on your credit card. But the person on the other end of the line isn't with your bank or credit card company. And what they're really after is your identity..... More »

Fed: Card balances rose by $1.7 billion in December + MORE Feb 8th

Credit card balances increased in December, according to the Federal Reserve..... More »
 american express

February 28 Update: Air Canada renews partnership with American Express for the new loyalty program, World of Hyatt adds 57 more SLH Hotels & WestJet's 23rd birthday sale + MORE Mar 1st

Air Canada has renewed their agreement with American Express to have Amex issue cards in the new loyalty program plus continue on as a Membership Rewards partner!! Yay!New premium American Express card products to launch with Air Canada's new loyalty program in 2020 10-year deal will provide continu.... More »
 air miles

Meridian Gets Competitive; Posts Lowest Two-Year Fixed Mortgage Rate on the Market Mar 14th

Meridian is making news as of late, as it recently posted the lowest two-year fixed-interest rate in recent Canadian history, compared to the “Big Five” banks and other lenders on the market. As Ontario’s largest credit union, Meridian is offering a two-year fixed mortgage at 1.98 percent. T.... 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…

Continue Reading On canadianfinanceblog.com »

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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