BMO Preferred Rate MasterCard Interest Rate: 11.99% (with annual fee) or 17.5% (without) Conditions: Read more here Minimum Deposit: Approval dependent Annual Fee: $20 (or free with higher interest rate) Authorized User Fees: Free Guarantees: No guarantees. Limited approvals. Apply for the BMO Preferred Rate Mastercard. … [Read more...] about The Best Secured Credit Cards Canada 2018
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In any case, it definitely pays to investigate your credit score if you aren't already aware of it. Home or auto purchases depend on having a solid rating, and your score can often be improved. But there's no chance of doing so until you know where you stand. Businesses like Credit Karma and the major bureaus should get you started. But after that, it's up to you. … [Read more...] about How to Check Your Credit for Free in Canada
Otherwise you shouldn’t have any problem explaining the mileage game to a mortgage officer in case they ask why you have so many lines of credit. In fact if you are using your credit wisely your score should be excellent even if you do open lots of credit cards, which will mean you’ll get the lowest possible interest rates. … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Active Gift Card Promotions in Canada Baskin Robbins: get a FREE scoop of ice cream when you buy a $25 gift card Children's Place: get up to a $20 bonus card when you buy a gift card Cineplex: get a pack of coupons worth $40 when you buy a $50 gift card Earls: get a 10% discount when you buy $500 worth of gift cards Landmark Cinemas: get $30 in movie coupons when you buy a $30 gift card Subway: get a 6" sub for $1 when you buy a $25 gift card Turtle Jack's Muskoka Grill: get $25 for every $75 you spend on gift cards Wayfair: get a $20 gift card when you purchase a $100 gift card White Spot: get a $10 gift card when you spend $50 in gift cards What to Know Before You Buy Gift Cards Online First of all, the most important thing to know is that you CAN buy gift cards online. Many stores give you the option to purchase gift cards either in-store or online, which is great if you can't make it down to the mall, or if you need to pick up a last-minute present but aren't sure what to get. … [Read more...] about The Best Gift Card Promotions in Canada (2018)
Great Budget Winter Tires General Tire Altimax Arctic - Altimax has come up with a set of winter tires which score highly on both cost and performance. The sipes on Arctic tires are built to resist deformation, while featuring a multi-directional tread design which maximizes grip. There are snow traction ridges to provide precise cornering, even in relatively deep snow, while the pin holes allow for studding if even more grip is needed. All of this comes at an extremely attractive price point, and Altimax offer Arctic tires of almost any size - so all vehicles should be catered for. … [Read more...] about What You Need to Know About Buying Winter Tires in Canada
Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score. … [Read more...] about Limited Time Offer: Earn A Whopping 75,000 Miles On The Awesome United Explorer Business Card!