In the modern economy, credit is everything. From the perspective of lenders, customers are only as trustworthy as their credit rating. But what is this all-important metric, and how can you make sure that yours is as robust as possible? This article will lay out some of the best ways to check and monitor your credit score in Canada. Staying on top of borrowing and debt isn't always easy, but with the right tools at your disposal, it's much easier to protect your credit rating and access funds whenever you need them. What is a good credit score in Canada? First off, some basics. Credit refers to the act of lending money, which tends to mean banks and mortgage lenders in Canada. This often boils down to an assessment of how trustworthy individual borrowers are, which is based on their history of borrowing and repayments, among other things. If this checks out, lenders will look upon you much more favorably. However, banks can't be expected to research every single transaction or … [Read more...] about How to Check Your Credit for Free in Canada
No credit check credit
Never Miss Another Deal - Follow DansDeals on FacebookDansDeals will receive compensation if you are approved for a credit card via a link in this post. There are 4 AMEX cards that give a credit to use for incidental fees on the airline of your choice. The AMEX airline fee credit works on a calendar basis. If you apply for a card today and ask for it to be expedited you can use the 2018 credit by 12/31/18, the 2019 credit anytime in 2019, and the 2020 credit in January 2020. That’s $600 in airline fee credits in your first cardmembership year! The AMEX Business Platinum Card offers a $200 annual airline fee credit. You can register for an airline here. The AMEX Premier Rewards Gold Card offers a $100 annual airline fee credit. You can register for an airline here. The AMEX Platinum Cardoffers a $200 annual airline fee credit. You can register for an airline here. The AMEX Hilton Aspire Card offers a $250 … [Read more...] about Here Are The Ways You Can Spend Your 2018 AMEX Airline Fee Credit
This is an article I wrote a few months ago, but people keep asking the same questions, so here it is again: -Find more posts like this by clicking on the “Credit Card Posts” tab and find credit card offers in the “Credit Cards” tab above of the DansDeals banner at the top of this site. American Express is a DansDeals.com advertiser. Originally posted on 10/08: Do your eyes glaze over every time I make another post about miles and credit cards? If it’s the latter, you have good instincts. The credit card points system is partially subsidized by the millions of Americans who fall into the trap of debt, buying things they can’t afford, and paying huge amounts of interest to the banks. If you’re susceptible to that behavior, then don’t play the game. Cut up all your cards, pay for things in cash, and be happy not being in debt. Any gain from the points system will be obliterated by interest payments. Otherwise though you’re leaving … [Read more...] about Building Credit And Credit Card FAQs: Your Questions Answered
Secured credit cards are a great method for building up your credit score. We made a list of the best secured credit cards in Canada for 2018 to make side-by-side comparisons and settle once and for all which is the best one. Whether you're looking for the lowest interest rate, the lowest annual fee, the card with the lowest minimum deposit, or the one that will approve you no matter what, we've got them listed below. Winner based on the Lowest Interest Rate BMO Preferred Rate Mastercard has the lowest interest rate bar-none, BUT they won't accept just anybody. You won't be able to get this card if you've claimed bankruptcy in the last 7 years. If you don't mind an annual fee and are worried about getting approved, I would recommend the Peoples Trust Secured Mastercard at 12.99% -- that's one of the lowest interest rates. Just be careful because if you don't miss your minimum payment, or it jumps up to 24.5%! Winner for the Lowest Minimum Deposit That's easy, Capital One … [Read more...] about The Best Secured Credit Cards Canada 2018
Did you know that Canadian airlines are among the most expensive in the world? Thank goodness that we also have some of the best travel credit cards, too! Here's a mega list of the best travel credit cards in Canada for 2018. Because no traveller is the same, no card is either, so check out our list of winners! *Update: Right now, you can get a $75 gift card when you apply for a Shell Air Miles Mastercard from BMO. Click here to check it out. Best Credit Card for Airline Miles Having a card that directly links up to your reward plan simplifies everything. There are also serious perks included with the Visa Infinite, such as waived baggage fees, lounge access, priority boarding, need I go on? American Express Air Miles Platinum Credit Card Welcome bonus: 2,000 AIR MILES Annual fee: $65 Points: 1 mile/$10 This credit card is handy for the seasoned traveller in that it has quite an extensive insurance policy covering travel and car rentals. Plus, supplementary cards are free if … [Read more...] about Best Travel Credit Card Canada 2018
Never Miss Another Deal - Follow DansDeals on FacebookThe United Club card is the premium version of the United Explorer card. However until now I’ve never seen it offer any bonus miles for signing up. In the past Chase has felt that the card benefits were rich enough that they didn’t need to offer a signup bonus for the card. But for a limited time only you can get 50,000 bonus miles for spending $3,000 within 3 months on the card! You can get this card even if you currently have a United Explorer card and even if you received a bonus on the Explorer card in the past 24 months as this is a different product. You can view credit card offers by hovering over the “Credit Cards” tab. You can click on “Top Credit Card Offers“ and then hover over “Card Type” to find card offers from the bank you’re looking for. A short-haul United domestic award under 700 miles in distance is just 10,000 miles. … [Read more...] about Richest Signup Bonus Ever For The Chase United Club Card With Club Membership, 2 Free Checked Bags, And Waived Close-In Fees!