What if a small change to a credit product could cut what someone pays in interest by hundreds over time? Canadians often assume that a “free” card will always cost less. That is not always true. This guide shows how a lower interest rate on a credit card can save money for people who carry […]
Author Archives: Carlos Hilário
19
Nov
Nov
What if a few clear definitions could change how someone uses their everyday plastic and save them real money? This short Canadian glossary gives plain information so readers can spot key phrases fast. It shows how balances form from purchases, fees and transfers, and why knowing APRs and interest helps estimate the amount paid over […]
19
Nov
Nov
Could a simple, well-timed request change how much buying power someone has and also affect their score? The guide opens with what a higher credit limit can do. It can boost available credit and help keep utilization under the common 30% rule, which supports a healthier credit score. A larger ceiling also gives a buffer […]
19
Nov
Nov
How much of a hotel bill or flight fare is a true bargain when add‑ons appear at checkout? This short guide shows what Canadians face with drip pricing and surprise charges when they use a credit card. It explains why a low sticker price often grows with mandatory resort levies, airline surcharges, and service add‑ons. […]
19
Nov
Nov
Can using the wrong card cost more than the rewards you earn? Many shoppers assume rewards are free money, but high interest or poor pairing can erase value fast. This guide gives clear, Canada-focused information on how to turn everyday spending into real value. It shows how rewards redeem for statement credits, travel and gift […]
19
Nov
Nov
Could a welcome bonus look great but leave someone worse off by year end? The right credit card choice starts by reading the headline and the fine print. Canadians should weigh the welcome rewards, the timing windows in months, and any first year savings like an annual fee rebate. Understand how rewards work — cash […]
19
Nov
Nov
Could a small change to how someone manages a credit card each month really cut interest and improve their credit score? Many Canadians find that a few extra payments during the cycle lower reported balances and help avoid interest charges. Making at least the minimum by the due date keeps the account current, while clearing […]
19
Nov
Nov
Could a simple, repeatable process stop late fees and protect cash flow without cutting essential services? The guide walks readers through clear steps to centralize recurring bills, align due dates with cash flow, and keep a steady balance. It shows how to review each account used for subscriptions and services so nothing slips through the […]
19
Nov
Nov
What if a small change in one number could save them hundreds over a year—would they take the time to check? This short guide shows how to read an APR and why a lower figure matters when a balance is carried month to month. It points to tools such as Ratehub.ca, which lists major issuers […]
19
Nov
Nov
Can one simple change in how someone uses a card reshape their financial path in Canada? This short guide shows how everyday moves with a credit card translate into real gains over time. It frames the key factors — payment history, utilisation, age of accounts, mix and inquiries — and explains why lenders may see […]