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Tips & Advice For Using A Credit Card

Credit cards are a common tool for managing money in the modern world and are a practical way to make transactions and establish credit. However, if they are used improperly, credit cards may also lead to debt.

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You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

How To Use Credit Card Wisely

Here are some pointers and recommendations to assist you in using credit cards wisely and efficiently in Canada.

  • Select the best credit card:

    Not all credit cards are made equal, so it’s crucial to pick the one that best suits your spending preferences and financial needs. Before applying for a credit card, think about things like incentives, interest rates, fees, and the kinds of transactions you’ll make.


  • Watch your spending:

    Keep a record of your purchases to ensure that you are not overspending or over your credit limit. Reviewing your statements regularly will help you remain on top of your money and prevent unforeseen charges.


  • Pay your bills on time:

    Late payments might result in late penalties and higher interest rates. To prevent these costs and have a decent credit score, it’s crucial to make payments on time.


  • Use rewards programs to your advantage:

    Many credit cards offer rewards programs that let you earn points, miles, or cash back on purchases. Utilize these programs to optimize your advantages and save money.


  • Manage your debt:

    Try to reduce it as quickly as you can if you have significant credit card amounts. Debt repayment can be challenging with high-interest rates, which can also lower your credit score.


  • Be wary of cash advances:

    Although cash advances are a quick method to get money, they come with hefty interest rates and costs. Unless it’s an emergency and you have no other choices, avoid taking cash advances.


  • Keep your personal information safe:

    Keep your credit card information safe and avoid handing it to anybody you do not trust. To avoid unauthorized transactions, keep an eye out for fraudulent activity on your accounts regularly.


  • Try balance transfer options:

    If you have high-interest credit card debt, consider moving your balance to a card with a reduced interest rate. You may be able to do this to save money and pay down debt more quickly.


  • Be careful while using credit cards:

    Credit cards may be a fantastic financial tool, but it’s crucial to use them responsibly. Avoid going into debt that you can’t afford and overspending.

 

  • Read the terms and conditions:

    Read the small print and comprehend the costs, interest rates, and other terms and conditions related to your credit card by reading the terms and conditions.

You may increase your credit score, save money with rewards programs, and have a handy method to make purchases in Canada by using credit cards properly. To make sure you are using credit cards wisely and successfully, keep these suggestions in mind.

 

 

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Whenever You Need Debt Relief, Turn to National Debt Relief Services!

Every day, we assisted hundreds of Canadians in paying off their debt. 

Everyone in Ontario and the surrounding areas is eligible for a Free Consultation from us. 

There are no up-front costs, risks, commitments, or responsibilities. 

To help you live a debt-free life, you will have access to the greatest debt relief solutions.

Our Clients 5-Star Reviews

Jennifer Chenier
Jennifer Chenier
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I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen
Katherina Preston
Katherina Preston
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"So glad I finally had the courage to make the call" Suma was amazing.. she guided me through my options and got the answers to all my questions. By the end of our very first phone conversation I had hope again...finally...no more sleepless nights worrying my debt ....Thank you National Debt Relief Services
Chris V
Chris V
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.
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Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.

SEE IF YOU QUALIFY TO:

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Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.

 

This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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