How Credit Card Merchant Surcharges Work in Canada Seeing a checkout line that adds a few percent for credit card merchant surcharges can feel like a quiet tax on convenience. In Canada, that extra charge is often allowed—but only within clear rules. Knowing the cap, the disclosure requirements, and the Quebec exception helps you decide when to tap, .... How Credit Card Grace Periods Work in Canada Understanding how a credit card grace period works can save you real money in Canada. That window between your statement date and your payment due date is when you can clear new purchases without interest—if you pay the statement balance in full on time. The Financial Consumer Agency of Canada (FCAC) .... How to Keep Credit Utilization Low in Canada Keeping credit utilization low in Canada is one of the steadiest ways to support a healthier credit score. Utilization is simply the share of your available revolving credit you are using. Lenders watch it closely, even when you pay the statement in full. The Financial Consumer Agency of Canada (FCAC) .... Cash Back vs Points Credit Cards in Canada: How to Choose Choosing between cash back vs points credit cards is less about which product looks richer on a comparison chart and more about what you will actually redeem. In Canada, both structures can work. The better fit is the one that matches how you spend, how you travel, and how patient you are with rewards .... See All Blog Posts

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