This is an easy and free way to get 30,000 Aeroplan miles!
Tag Archives for Credit Cards.
No matter how you look at it, the points and miles game is dying a slow death, as churning becomes a more mainstream activity and creditor profits are dipping. While there are still a number of opportunities to score a huge number of points quickly, those opportunities are shrinking in quality and in frequency.
A review of what is currently the best credit card in Canada for everyday purchases.
Lately, I’ve been very involved in the US credit card market. Why? Simply put, US credit cards offer better sign-up bonuses, and generally greater returns. However, as a Canadian, it’s substantially harder to get US credit cards, as I don’t have a Social Security Number (SSN). Although an SSN is outside the reach of most people, an Individual Taxpayer Identification Number (ITIN) is not. With an ITIN, you can build a US credit report, and easily apply to many, but not all, US credit cards. This article will explore my experience so far.
I’ve spoken before about how to get your credit report for free. I’ve also said that you shouldn’t waste your money on online credit monitoring services. However, if you believe that you’ve used a credit card at Home Depot after April 1, 2014 (note: you don’t have to supply any proof, or even a declaration), you’re eligible for one year of free Equifax Premier Credit Monitoring, which allows you to update your credit report and see your consumer disclosure score on a daily basis.
I was just sitting on the sofa, and got an email from Equifax saying there’s been a “rate change” to a credit report. I logged in and saw that the credit score dropped significantly. I dug deeper, and I saw that a credit card was listed as being late, as “bad debt.” WHAT. THE. HELL!? I’ve never missed a payment in my life.