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This website is really for those who don’t know what is credit card and how we can use that to borrow money and what we can do to make good credit history. I think it will be helpful for those who recently come to the age to use the credit cards would know how to use this and how it works. Also, it tells all the penalty charges that we can get.

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What is a Credit Card and How to Make the Most out of Your Card

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A credit card can be used for many purposes, from spreading the upfront cost of goods and services to reducing the cost of expensive debt. Read our guide to find out more.

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This website shows all the pros and cons of the credit cards. It states that credit cards help us in giving immediate access, security, record keeping, convenience and rewards. It pays us a lot even if we have good credit history it helps us in getting the loan easy which is really one need in family sometime the loan is for house or study and for many more reasons. So I things that it has more advantage than disadvantage.

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The main disadvantage to credit card usage is its cost to you in interest and fees. Wise use of credit means understanding those costs and acting accordingly. Keep track of your spending to ensure that you can repay your credit card bill in full when it comes due each month.

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This website shows that how it can help the family if they plan to travel somewhere on the credit card. This website explains the benefit given by three different types of MasterCard. These travels can be much affordable and fun with the use of credit card. Big advantage of the Aeroplan program both husband and wife can get 25,000 Aeroplan miles to get free round trip all over the North America.

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Paying for your own vacation is expensive enough. Funding a family of four or more is downright terrifying. From flights and hotel nights, to food and entertainment, family travel can be a serious financial investment.

The good news is, there are several Canadian credit cards that can make family travel far more affordable and fun!

In selecting our list, we looked for cards that accomplished one or more things. First they reduced the cost of flights or hotel nights. Second, they helped protect the family with the right insurance coverage. Third, they had some type of perk or benefit that made travel more fun for everyone!

1. The RBC WestJet World Elite MasterCard

This is our favourite family travel credit card. It comes with a $250 WestJet Dollar welcome bonus, an annual companion voucher, free checked bags for the primary cardholder and up to 8 travelling companions and travel medical insurance amongst other coverages.

The key to getting the most from this card is for both husband and wife to get the card. Doing so will give each parent a $250 WestJet Dollar welcome bonus, and a return airfare companion voucher for each child. Both the WestJet Dollar welcome bonus and the companion vouchers can be used on the same flights with no black-out dates or travelling restrictions.

If a family of four were to be flying from Toronto to Ft. Lauderdale in peak season, let's say December 26th to January 2, they could save $1,245 in airfare, $200 in checked bags and $75 in travel medical insurance for a total of $1,502 in savings!

2. Aeroplan Credit Cards

The advantage of the Aeroplan program for the travelling family, is that there are multiple Aeroplan credit cards with hefty welcome bonuses both husband and wife can apply for.

25,000 Aeroplan miles will get you free round-trip airfare to anywhere in North America. There are two cards in the marketplace with no annual fee in the first year, the TD Aeroplan Infinite Visa card and the American Express Gold card which allows you to transfer your Amex points to Aeroplan miles 1:1 with no fee. If you and your wife apply for both cards, you'll get 4 round-trip flights for free!

One of the huge benefits of Aeroplan (despite the drawback of its infamous blackout dates), is the ability to book up to 2 stopovers on the same trip! So if you're planning on going on the summer vacation of a lifetime, you can do something like Toronto to Chicago, Chicago to Colorado and Colorado to Los Angeles and back to Toronto, all for the same 25,000 miles per person!

3. Marriott Rewards Premier Visa Card

The advantage of the Marriott Rewards Visa card for travelling families is that it comes with 4 free hotel nights, no foreign transaction fees and no annual fee in the first year.

The card's welcome bonus is actually 30,000 Marriott points. Staying at a category 3 Marriott hotel will cost you 15,000 points per night, and on Point Saver nights, it would cost you 10,000 points per night. For example, you could get 2 free nights at the Marriott Courtyard in Orlando Florida.

Again, if you and your spouse both apply for the card, that's 4 free hotel nights in Orlando, with no annual fee!

The other huge benefit of the Marriott Rewards Visa Card, is that it doesn't charge any foreign transaction fees. So you can use the card while travelling outside of Canada and all you'll be charged is Visa's exchange rate, which is pretty close to the spot rate. You won't be charged the typical 2.5% foreign transaction fee most Canadian credit cards charge or the 3% most banks charge when exchanging money at the branch!

Conclusion

There are plenty of credit card options to help reduce the cost of family travel and make the whole experience better for you and the entire family!

When considering the right family travel credit card, don't just look at how many points you need to earn for a free flight. See what other benefits the card offers, because as you can see from the above, perks like companion vouchers, free checked bags and robust insurance can add serious value.

Moreover, take advantage of being married! For most people, you'll never get as much value from a credit card as you will from its sign-up bonus. Why spend $25,000 to earn 25,000 miles, when you can do it just by signing up for a new credit card. If you and your spouse each apply for new cards you can effectively double your points for each rewards program, and get to your destination of choice twice as fast!

Remember, credit card application minimum income requirements usually give you the option to use your personal or household income. That means that even if you're not working, you can use your spouses income to qualify for the minimum spend on your own credit card application. In fact, you can use the income of ANYONE that's living in your household, including parents and children. So get a little creative and start really piling on those miles now!

If you have any additional tips or tricks, share them with the rest of us!

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Best Family Travel Credit Cards in Canada - GreedyRates

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Paying for your own vacation is expensive enough. Funding a family of four or more is downright terrifying. From flights and hotel nights, to food and entertainment, family travel can be a serious financial investment. The good news is, there are several Canadian credit cards that can make family travel far more affordable and fun!

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We think that this video totally relates our topic as there is Household Savings Expert which is usually giving the advice to the family that how they can get payback through the credit cards. In this there are 6 ways which can be used by the family to take the benefit of the credit cards. She tells that if we pay the bills on time we can make credit card work for us.

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6 Secret Ways to Make Your Credit Card Pay You Back!

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Have your credit cards work to your advantage. Our Coupons.com money-saving expert, Jeanette Pavini, went on Hallmark's Home & Family show to talk about how you can use your credit card to save money, make money, and enjoy a few perks along the way.

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This video reveals how we can be cheated if we use the credit cards and shows how to prevent from getting cheated. I think this video is really helpful for everyone whoever use the credit cards. There are many ways to prevent from frauds the main thing is that we should never share our personal details with someone. Be aware whenever we use our credit cards put hand while entering the security pin so that no one can see it.

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Credit card and debit card fraud is an unfortunate reality that can range from an inconvenience to a harmful and costly incident. In fact, every year, some 15 million Canadians are targeted by fraud.

In 2009, card holders and card issuers lost more than $600 million to illegal schemes. Anyone can become a target: your neighbours, family members, co-workers and friends.

Here are some ways to prevent this from happening to you.
Segment 2: Problem identification
Credit card and debit card fraud happens when someone steals your card, your card information or your personal identification number (or PIN) and uses it without your permission to make purchases or to withdraw money from an automated banking machine.
Segment 3: How thieves work
How can someone get your credit or debit card information from you? Well thieves can work in many different ways:

(voiceover)

By stealing your PIN:

Jenny lost $800 when a "friend" watched her enter her PIN and then stole her debit card from her purse.

By using card skimmers to copy information from your card:

James' bank account was cleaned out after a phony card reader he used copied his banking information.

By stealing your mail and your identity:

Marcia had her bank statement stolen from her mailbox, and soon after, money was removed from her account.

And email scams that get you to send your personal financial information:

The email Sam received claimed he had won a vacation . The "vacation" turned out to be a fake and with his personal financial information, the "company" maxed out his credit card.

These are only a few ways scammers try to get your card data.
Segment 4: How to protect yourself
Even though card fraud is common, there are also effective ways to prevent it from happening to you. Here are some helpful tips:

(voiceover)

Shield the keypad when you enter your PIN

If you notice something suspicious about a card device at a store or ATM, report it to the company that issued your card.

If you receive a replacement card, destroy the old one as soon as you activate the new one.

If you don't receive a replacement card, before your current card expires, contact your issuer.

Don't give out credit information over the phone unless you've contacted the company directly and know it's legitimate.

Don't give out credit card information by email.

Check your bank statements often, and contact your card issuer if you see any mistakes or suspicious charges.

Keep your mail, bank statements and personal information in a safe place and manage your digital records carefully.

Segment 5: If you think you are a victim

(voiceover)

If you think you are a victim of credit card fraud, contact your credit card issuer and your local police. You should also contact the Canadian Anti-Fraud Centre.
Conclusion
Remember to always use your debit and credit cards carefully and keep your information safe. By following these easy tips, you can protect yourself from becoming a victim of credit card or debit card fraud.

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4.3.12 Video: Debit and credit card fraud

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Credit card and debit card fraud is an unfortunate reality that can range from an inconvenience to a harmful and costly incident. In fact, every year, some 15 million Canadians are targeted by fraud. In 2009, card holders and card issuers lost more than $600 million to illegal schemes.

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This video totally related to my topic to the advantage of the credit cards to the families. This video covers the percentages of everything that how much we can get by using credit cards. We can know that what percentage of protection care we can get it covers everything which everyone need in daily life. We can also return things even if store doesn’t return. These all are the advantages of the credit cards.

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Credit Cards Offer Hidden Benefits That Could Save Money in Big Ways

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As you use your credit card this holiday season, you should know it may have hidden benefits that could save you money on items resulting in hundreds of dollars a year.

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I found this image relevent because it totally describes that everyone thinks different about what is best credit cards. For everyone the meaning of best credit card is different.

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This image describes fully data of the families getting the rewards through the credit cards which means that we all should have the credit cards for getting rewards.

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I found this image relevant because it shows every benefit which the families can get with the help of the credit cards. Such as it gives benefits in treatments.

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In this website there will be a huge light on the advantages and disadvantages of credit cards to the families which really going to be very helpful.

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"Credit cards and its advantages and disadvantages to families."  By Saajan and Jatin.

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"Credit cards and its advantages and disadvantages to families."  By Saajan and Jatin.