Interest Rate: 12.75% Conditions: Read more here Minimum Deposit: $1,000 Annual Fee: $25 Authorized User Fees: Free Guarantees: Thorough application process. Special options for newcomers and folks looking to repair credit. Online applications accepted. Check out how to apply for a TD Emerald Visa … [Read more...] about The Best Secured Credit Cards Canada 2018
Best bank to get first credit card
Laurentian Bank Student VISA Black Card No annual fee 19.99% interest on purchases 21.99% on balance transfers or cash advances Optional Rewards Card available for $3.50/month (will reimburse if more than $350 is spent per month) Click here to learn more & sign up for the Laurentian Bank Student VISA Black card now … [Read more...] about Best Student Credit Cards Canada 2018
American Express Blue Sky Credit Card Welcome Bonus: 10,000 How far will that bonus take you: one-way trip to Saskatoon Annual Fee: $0 Minimum Income: n/a Points: 1.25 points/dollar Love the flexibility of being able to book through any airline, travel agency or website and take advantage of last minute deals to any destination, with no black out dates and points that never epire. Redeeming points is also a breeze when you can redeem them to cover any travel-related purchase that come on your next statement. … [Read more...] about Best Travel Credit Card Canada 2018
Note that while you can close a card via secure message or chat without having to call up, typically if you call up, the retentions department may offer to waive the fee for another year or give you miles to keep the card. Even if they don’t do that, many cards can be downgraded to a free version and you’ll get a refund of the annual fee. You typically have between 30 and 60 days from when an annual fee is billed to have it refunded if you close a card though some people have had success getting a fee refunded by cancelling a card for up to 6 months after being billed. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Frankly AMEX dispute resolution may be too good. I had one person dispute the $13 they paid for on an AMEX to attend a DansDeals seminar (the full proceeds of which were donated to charity). When I asked the attendee why they disputed the charge they said that they just didn’t recognize the charge, so they disputed it. He called AMEX right away to drop the dispute, but by that point it was too late and they refunded him the money and I got hit with a chargeback fee on money I had already donated. … [Read more...] about Just How Amazing Are AMEX Credit Card Protections?
Ironically, I think the United Explorer card is still the best co-branded airline card and is a must have for United flyers. The Club card can still make sense if you need the club membership and don’t care about the new restrictions or if you need the extra free checked bags a few times per year, but the case for keeping the United Club card is worse than ever. … [Read more...] about Here’s How United Transformed Their Premium Club Card From Hero To Zero; The Worst Credit Card Devaluation Of All Time?