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Barry Choi
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Barry Choi

Barry Choi

Barry Choi is a freelance personal finance and travel expert. His website moneywehave.com is one of Canada's most trusted sites when it comes to all things related to money and travel.

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The Best Way to Use a Credit Card Overseas

You can still use your credit card when travelling internationally. Just make sure you plan ahead, watch out for fees and carry some extra cash.

Popular Loyalty Programs for Canadians Who Love to Travel

Loyalty programs and co-branded credit cards are two of the quickest ways to earn points and miles.

How to Get a Cash Advance with a Credit Card

A cash advance is a short-term cash loan — an expensive one — taken against the credit line on your credit card. It includes ATM withdrawals, balance transfers, lottery tickets and more.

What is a Cash Back Credit Card? How Does it Work?

Not every cash back credit card is the same — each card has a different earn rate, bonus categories and benefits. Consider your spending habits to choose your ideal rewards.

How Prepaid Credit Cards Work

Load money into your prepaid card and then use it to make purchases and securely shop online — all while earning perks.

How to Use an ATM

You can use an ATM to withdraw money and make deposits with a few simple steps using your debit card.

What Is a Bank Statement?

A bank statement is a document that summarizes account transactions over a set period of time, usually a month.

How Direct Deposit Works and How to Set It Up in Canada

Direct deposit is a fast, convenient alternative to waiting for a paper cheque to arrive in the mail, and it requires no work on your end after the initial setup.

What Is a Debit Card and How Does It Work?

A debit card is a payment card connected to your bank account. Debit cards can be used to make purchases or withdraw cash from an ATM.

How Credit Card Interest Rates Work in Canada

Credit card interest rates vary by the type of credit card and transaction. How much interest you pay is based on your creditworthiness and how you use your cards.

How to Choose the Best Credit Card For You

Identify the right credit card for your needs by considering your income, credit score and how you’re likely to use the card.

How Do Credit Cards Work in Canada?

Credit cards let you borrow money up to a limit. You make monthly payments and interest is charged on unpaid debts.

How to Apply for a Credit Card in Canada: A Complete Guide

When applying for a credit card, issuers typically consider your age, income and credit score. Check out our guide on how to get a credit card before you start the process.

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