5
votes
1answer
80 views

What are the limitations of prepaid payment cards (compared to credit cards)?

I am currently unable to get a credit card¹, but I wish to be able to buy goods from web stores, to buy airline tickets, to rent cars, hotel rooms, etc. Through my bank I only have a Member Card, ...
2
votes
1answer
144 views

Why do credit cards come with insurance, and what is the benefit for the user?

I have savings and don't need to borrow money, but still need a credit card for those payments that can't be made otherwise: primarily car rental and some online purchases. I've noticed that many ...
7
votes
1answer
118 views

Can I get my payment back on a vacation booked with a company that went into receivership?

My friend booked a summer vacation with a resort/inn located in Ontario that has just gone into receivership. She paid in FULL with a credit card about a month ago. Is there any way to get her ...
7
votes
2answers
1k views

How long after new employment before applying for a new credit card?

I am a recent grad and new employee. I currently only have a $500 student Visa credit card with my current bank branch (2 years). I began my employment at the end of January (just over 2 months ago) ...
7
votes
1answer
2k views

As a Canadian, how can I apply for and get a U.S. credit card?

I am a Canadian permanent resident (neither Canadian nor U.S. citizen). I already have a checking account at Harris along with a debit MasterCard. However, there are really nice point-accruing cards ...
1
vote
3answers
459 views

Canadian personal finance software with ability to export historical credit card transactions?

I am looking for a personal finance software that lists all your credit card transactions. I was looking at mint Canada and it has what I want (lists all your credit card transactions and assigns the ...
3
votes
1answer
102 views

How does it influence the credit score if the credit card was used in the past, but not in present

If I own a credit card and I used it for a while (say 6 months) and after that I decided to stop using the credit card and use my debit all the time. How will this influence my credit score? Being ...
2
votes
2answers
450 views

How to pay rent using a credit card?

I am currently paying rent using personal cheques. Is there a way to route the payments through my credit card so that I get the travel points associated with the credit card? I will pay off the ...
6
votes
3answers
1k views

Are there any consequences to having a negative balance on a credit card?

I have two credit cards, a VISA and a MasterCard. I primarily use my MasterCard and only use my VISA when MC isn't accepted. I went about 18 months without using my VISA (I didn't use it at all in ...
2
votes
1answer
107 views

Went over my credit limit by a bit. I paid half of the balance today. Any consequences?

I saw that my card had went over the credit limit. I paid half of the balance off today. I also requested for additional credit. Will there be any penalty fees?
1
vote
2answers
116 views

Which international credit card would fit my requirements?

I am currently looking at getting a credit card for myself. However, as per this question, I would like to get a credit card from an international bank / credit provider so that when I move countries ...
8
votes
3answers
723 views

Which reward / benefits credit card is the best value for the money in Canada?

Which card do you use and why? Some cards are similar but some not. This will also be affected by personal preference, so indicate why you chose a certain card vs. another e.g. if you like to travel ...