The swipe
- My credit card and my willpower are in a long-term, one-sided relationship.
- Why did the card get tired? Too many small transactions and one big regret.
- A rewards point is a tiny thank-you for spending real money.
- I tapped my card and the machine said "approved," which is the nicest thing anyone has said to me today.
- Cashback is just the card returning a fraction of the damage, politely.
The statement
- My statement arrived with bullet points, like a performance review of my weekend.
- Why don't cards tell jokes? The interest would compound.
- A minimum payment is a small door into a long hallway.
- I checked my balance online. The website asked if I was sure.
- My favourite reward is "0% intro APR," which ends exactly when I've forgotten.
- A credit limit is a suggestion the card makes to the future you.
Save thousands
Save thousands by refinancing your vehicle anywhere in Canada.
Free to apply, no obligation, and no credit check to pre-qualify.
Frequently asked questions
If you have vehicle equity, an auto refinance can consolidate higher-rate card debt at a lower rate. See our debt consolidation guide.
Yes, all family-friendly.
It can shorten your history and raise utilization. Keep old cards open and lightly used when possible.