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
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Monitoring services come with a monthly charge, which tend to be around $20. That will seem fairly expensive unless you make full use of the information they deliver. They are particularly useful for anyone who is anxious about fraud or need expert analysis of their debt situation on an ongoing basis. But for most people, free services like Credit Karma may well be sufficient. It all depends on your personal preferences. … [Read more...] about How to Check Your Credit for Free in Canada
In short though, a 3BM means using 3 web browsers, like Internet Explorer, Chrome, Safari, Firefox, Opera, Maxthon, etc, to apply for 3 different cards from the same bank, as close to each other as possible. An MBM just stands for multiple browser method. Personally I’ll fill out the application form on all 3 browsers and then hit submit on all of them within a few seconds. This way you can get 3 cards with just 1 credit pull. There’s no guarantee you’ll get accepted to all 3 or that you won’t get more pulls, but this increases the odds of getting multiple cards with 1 pull. … [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)
There are plenty of good reasons to make the switch before the big freeze. The treads and soft rubber used to produce winter tires make vehicles easier to handle in icy conditions (below 7 degrees centigrade), maximizing traction and keeping stopping distances to a minimum. So they reduce the risk of costly accidents, help you get around and generally allow you to get the most from your vehicle. … [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!