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Should You Downgrade Your Credit Card Before Applying for a Mortgage?
Exploring the impact of downgrading your credit card on your mortgage application, including credit history and approval odds.
Credit Kennel š¾
Credit scores & credit cards
Latest Articles
Fresh takes on credit kennel that won't make you want to chase your tail.
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Navigating the Authorized User Strategy for Your Kid's Credit
Adding your child as an authorized user on your credit card can boost their credit score, but it comes with risks if payments are missed. Is the potential payoff worth it?
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Choosing Your First Credit Card at 21
Navigate the world of credit cards with confidence as a recent grad. Discover the best options for building your credit and financial future.
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Why the Capital One Savor One is the Best Credit Card for New Grads
The Capital One Savor One card is a smart choice for new graduates, offering cashback on essentials and no foreign transaction feesāperfect for those starting their financial journey.
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Finding the Perfect Credit Card for Recent Finance Grads
Explore the best credit card options for recent finance graduates, focusing on low fees and flexible spending.
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Will Cancelling Your First Credit Card Haunt Your Credit History?
Exploring the impact of cancelling your first credit card, especially one with an annual fee, and how it relates to your long-term credit health.
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Should You Get a Credit Card with an Annual Fee for Perks
Exploring whether a credit card with an annual fee is worth it for students seeking travel perks and lounge access.
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Should I Stick with My $500 Limit Card or Upgrade Fast?
Explore the pros and cons of keeping a low-limit credit card versus upgrading to a higher limit, and learn how to build your credit wisely.
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When to Grab Your Next Credit Card After Your First
Wondering when to snag that second credit card? Let's dive into the timing and strategy behind building your credit card collection like a savvy shopper!
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Multiple Credit Cards or Just One: What's the Best Strategy for You?
Deciding between multiple credit cards or sticking to one or two with higher limits? Let's explore the pros and cons of each strategy to help you make the right choice.
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Downgrading Your Credit Card Without Dinging Your Score
Learn how to downgrade your premium credit card to a no-fee version without hurting your credit score.
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Understanding Credit Inquiries and How They Impact Your Score in Canada
Learn how credit inquiries work in Canada and discover the real impact they have on your credit score, especially when applying for credit cards and phone plans.
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Build Credit Now or Wait for a Job
Deciding between getting a secured credit card and waiting for employment can be tricky. Let's explore your options for building credit at 18 and how a secured card can be an excellent first step.
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Is Paying Your Credit Card Multiple Times a Month a Smart Move?
Discover whether paying your credit card weekly can boost your credit score or if monthly payments are enough.
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Can a Prepaid Visa Help Build Your Credit History
Discover whether a prepaid Visa can help you build credit in Canada, and learn about the best ways to start your credit journey.
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Is a Credit Card with an Annual Fee Worth It for Students
Exploring whether credit cards with annual fees and travel perks are a smart choice for students.
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Will Cancelling Your First Credit Card Haunt Your Credit Score?
Explore the impact of cancelling your first credit card and whether it will affect your credit history in the long run.
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Keep That Low Limit Card or Upgrade Fast
Deciding whether to stick with a low limit credit card or to upgrade can be tricky. Let's break down the pros and cons of both options to help you make the best choice for your financial journey.
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When Can You Level Up to Your Second Credit Card?
Wondering if you should wait to apply for your second credit card after getting your first? Hereās what you need to know about timing and strategy.
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Taking Charge of Finances Without Feeling Like a Fool
Navigating your finances can feel overwhelming, especially with debts looming large. Letās break down the best steps to take, whether to prioritize debt or savings, in a friendly and approachable way.
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Navigating Sorority Debt and Credit Repair
Discover your options for handling unexpected sorority dues and repairing your credit in a smart and approachable way.
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Do You Need to Include Affirm and Afterpay in Your Consumer Proposal?
Wondering if those buy-now-pay-later services should be part of your consumer proposal? Let's break it down and make it as clear as your favorite blockbuster plot twist!
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Can You Really Get Sued for Not Paying Debt?
Wondering if your bank can take you to court over unpaid debts? Letās break it down with some friendly advice and a sprinkle of pop culture wisdom.
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Credit Myths Unleashed to Boost Your Financial Health
Dive into the world of credit as we debunk common myths that may be holding you back from achieving pawsitive financial health. Let's separate fact from fiction and empower you with the knowledge to take control of your credit journey.
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Credit Collateral: Use Your Assets Wisely Without Barking Up the Wrong Tree
Discover how to leverage your assets as collateral in a smart, strategic way. This guide breaks down the essentials of credit collateral, helping you avoid common pitfalls while maximizing your financial potential.
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Mastering the Art of Debt Management: Strategies to Tame Your Financial Dragons
Feeling overwhelmed by debt? Fear not! This guide breaks down effective debt management strategies that can help you regain control of your finances and emerge victorious, just like your favorite heroes in epic tales.
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Mastering Your Debt: Strategies That Even Superman Would Envy
Debt may feel like a supervillain in your financial story, but with the right strategies, you can take control and emerge victorious. Let's explore effective debt management strategies that will have you feeling like a financial superhero in no time!
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Building Credit from Scratch: Your Guide to Becoming a Credit Superstar
Building credit from scratch might feel like trying to find your way through a maze without a map. But donāt worry! Weāre here to turn that labyrinth into a fun adventure. Letās break down the steps to establish your credit and unlock financial opportunities.
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Credit Score: Your Financial Report Card
Think of your credit score as the ultimate report card for your financial habits. Just like grades in school, a good credit score can open doors while a bad one can make you feel like you're stuck in detention.
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Credit Cards: Friend or Foe?
Dive into the world of credit cards and discover how they can be your best ally or your biggest nemesis. Learn the ins and outs of credit cards, how to use them wisely, and avoid potential pitfalls.