Borrowell wants to know what #priorities mean to you. Maximizing your spend with a credit card can help you afford what you want, whether it’s travel, entertainment, or financial freedom.
You’re a true believer of "catch flights, not feelings" and find yourself double tapping on every travel post on your Instagram feed. You’re looking for a credit card that give you air miles and sign up bonuses to help you afford your next getaway. *Earn $300 in rewards in your first year to afford a short-haul flight in North America for spring break.*
You love to keep your options open when it comes to spending, and friends and family know you’re happiest with gift cards and cold hard cash on your birthday. You’re looking for a credit card that gives you cashback and surprise perks with your favourite retailers. *Use your annual $60 cashback rewards to cover your phone bill one month.*
Your calendar is booked weeks in advance as you bounce through movies, brunch, date nights, and more. You’re looking for a credit card that will give you points whether you’re dining out or ordering in and will save you money when you’re going out to catch the latest flick. *Treat yourself and your friends to an extra round of appetizers before dinner.*
You’re a dreamer. You’ve got a 5-year-plan in your back pocket and are saving up to achieve your life goals. You’re looking for a credit card that maximizes your savings and helps you build your credit so that you can afford that next big step. *Save on interest rates when you apply for a car loan or insurance once you’ve saved up for a new car.*
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A credit card can afford you everyday purchases and long term wants, but paying it off every month is important to maintain a healthy credit profile. Missed payments can easily lead to a lower credit score. Borrowell can help with managing your credit profile by: 1) Providing your Equifax credit report for free every month, 2) Telling you if your credit utilization is healthy, and 3) Explaining why your credit score might have seen a change. Monitoring your credit score is the first step to improving it and being eligible for more credit in the future. Follow tips from our AI-powered credit coach, Molly and keep your credit profile at its best.
Maintaining a healthy credit score means using 30% or less of your total credit limit. If your credit limit is $1,000, you should keep your monthly balance under $300. Monitor your spending and if you notice that your expenses exceed $300 per month, consider applying for a higher credit limit to maintain a healthy credit utilization ratio - just make sure you're able to pay off the full balance at the end of the month. If you don't feel comfortable increasing your credit limit, try to pay off your credit card bills early to keep your utilization ratio low.
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Checking your credit report with Borrowell doesn’t hurt your credit score.
Ask anyone what the best credit card is and you’ll get a different answer. What works for them may not work for you, so you need to put some extra thought into what your spending habits are and what kind of rewards you’re looking to earn before you put in your next credit card application. Here are the best credit cards of 2019 in Canada.
Jun 04, 2019
Welcome to The Ultimate Guide To Personal Finance For College And University Students, by Borrowell! In this five-part guide, you’ll learn about important personal finance concepts that will prepare you for the next few years of school and beyond.
Aug 07, 2019
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