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How Many Credit Cards Is Too Many in Canada?
There is no maximum number of credit cards in Canada. What matters is whether you pay every balance in full, track every due date, and give each card a job. Here is how extra cards affect your credit score.
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Aeroplan Devaluation 2026: What Changed and Who It Actually Hurts
Aeroplan raised award prices on June 1, 2026, but the changes are narrower than the headlines suggest. Here is what changed, which routes cost more, and what it means for your points.
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What Is Credit Utilization? The 30% Rule Explained for Canadians
Credit utilization is the fastest part of your credit score to change. Here is how it is calculated, whether the 30% rule is real, and the reporting quirk that can leave you at 90% even when you pay in full.
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How Long Does Bad Credit Stay on Your Credit Report in Canada?
Most negative marks last six years, but the answer changes depending on which credit bureau holds your file and which province you live in. Here is what each one keeps, and for how long.
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TD First Class Travel: Is the 160,000-Point Bonus Worth It?
TD is offering up to 160,000 TD Rewards points on the First Class Travel Visa Infinite. Here is what that is actually worth in dollars, and who can realistically clear the spending threshold.
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Amex Cobalt vs Scotiabank Gold: Which Card Wins in 2026?
A side-by-side look at the Amex Cobalt and the Scotiabank Gold American Express: fees, earn rates, foreign transaction fees, and the point value that decides between them.
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Scotiabank StartRight Mortgage: Can Newcomers Buy a Home in Canada? (2026)
A work permit doesn’t automatically mean 35% down — that figure only applies to uninsured mortgages. Here’s what newcomers actually need to buy a home in Canada.
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HISA vs GIC: Where Should Your Cash Go? (2026)
The advertised 4.60% savings rate is a 3-to-5 month teaser. Compare the everyday rate against a GIC and the real gap is about $100 a year on $10,000.
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How to Avoid Paying Credit Card Interest in Canada
Pay your statement balance in full and your interest rate stops mattering. Here is the grace period rule most people miss, and what minimum payments really cost.
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What the Scotiabank StartRight Offer Actually Gets You (2026)
Scotiabank advertises up to $2,300 for newcomers. About $1,250 of it is real cash and points — here is what the rest actually is, and what you have to do to earn any of it.