Showing 524 articles in the ‘Credit Cards 101’ category

What Is A Credit Card Limit (And Who Sets It)?

What Is A Credit Card Limit (And Who Sets It)?

by Team Genius | Sep 26, 2025

Your credit card issuer sets your card’s credit limit, which is the maximum amount of money you can charge to your card. Your credit limit may go up if your income increases.

How To Spot And Avoid Credit Card Skimmers

How To Spot And Avoid Credit Card Skimmers

by Team Genius | Sep 26, 2025

Credit card skimmers are devices that criminals attach to payment terminals and use to steal your card details. Being able to identify them can prevent credit card fraud.

Best First Credit Card For Young Adults

Best First Credit Card For Young Adults

by Team Genius | Sep 22, 2025

Young adults getting their first credit card typically have different financial needs than people with high credit scores and incomes. We look at the best starter options.

The Best Credit Cards for Food Delivery in Canada

The Best Credit Cards for Food Delivery in Canada

by Team Genius | Sep 19, 2025

If you use a credit card that offers increased earn rates for restaurant or grocery purchases, you could save big on food delivery from your favourite restaurants.

Does Cancelling Your Credit Card Hurt Your Credit Score?

Does Cancelling Your Credit Card Hurt Your Credit Score?

by Team Genius | Sep 19, 2025

The best savings accounts in Canada give you high interest rates for your money while also keeping it readily available. Here are the best high interest savings accounts in Canada.

Prepaid Credit Cards Vs. Secured Credit Cards – Which Is Right For You?

Prepaid Credit Cards Vs. Secured Credit Cards – Which Is Right For You?

by Team Genius | Sep 19, 2025

Secured cards are generally better for building credit, while prepaid cards may include more perks and rewards, though the majority of them don’t build any credit.

Charge Card vs. Credit Card: What’s The Difference?

Charge Card Vs. Credit Card: What’s The Difference?

by Team Genius | Sep 19, 2025

Credit cards have lower interest rates and a credit limit that you borrow against, while charge cards have no preset spending limits but must be paid in full every month.

What Is A ZIP Code On A Canadian Credit Card?

What Is A ZIP Code On A Canadian Credit Card?

by Team Genius | Sep 18, 2025

To create a usable ZIP code when shopping with your Canadian credit card in the U.S., list your three Canadian postal code numbers in order and add two zeros to the end.

How Credit Card Companies Make Money

How Credit Card Companies Make Money

by Team Genius | Sep 17, 2025

If you wonder how credit card companies make money, consider your card's interest rates, the various fees it charges, and the emails you get advertising other credit products.

Expired Credit Card Guide: What To Do Before And After the Expiry Date

Expired Credit Card Guide: What To Do Before And After The Expiry Date

by Team Genius | Sep 12, 2025

If your credit card is close to expiring, don’t worry. Dealing with it and activating a new card only takes a few minutes, and, when done correctly, can prevent credit card fraud.

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