Credit Card Smarts: The Beginner's Guide to Building Credit in Canada — Scores, Statements, and How to Never Pay Interest - Softcover

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Nobody teaches you this stuff. Not in school, not at the bank.

So you figure it out the hard way. You get your first card, carry a balance because you didn't know better, and eighteen months later you're paying 21% interest on groceries you ate last year.

It doesn't have to go that way.

Credit Card Smarts was written for three kinds of people: newcomers to Canada who found out their credit history didn't make the trip with them, students filling out their first application with no idea what they're agreeing to, and anyone who has been avoiding credit cards entirely because they've watched someone they love get buried by one.

The card was never the problem. Used correctly, a credit card costs you nothing and quietly builds the score that decides what apartment you get, what rate you pay on a car loan, and sometimes whether you land the

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