https://padlet.com/courtneykenglish/y8c3yy9r4a63 Project about competing credit card offers en-us 2019-03-19 05:52:56 UTC 2024-08-04 08:49:39 UTC hello@padlet.com https://padlet-uploads.storage.googleapis.com/359862325/bd81202b7ba6b07a853585b2340148a9/credit_card_.jpg courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342703338 A project by Courtney English, Brandon English & Andrew Apalit]]> 2019-03-19 05:59:42 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342703338 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342703682 Today we hope to share some of the important knowledge we have all learned while taking this general elective class. We hope to help all of you with the tough decision of choosing the perfect credit card company that's going to benefit you and your lifestyle!]]> 2019-03-19 06:03:03 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342703682 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342706081 - Shockingly Canadians spend over $300,000,000,000 on their credit cards each year
-The average Canadian who has a credit card owes a balance of $8,600
-Canadians make about 3 billion transactions per year on their credit cards which crazy enough is about 5,700 per minute

We chose this article because we all found that the statistics were shocking and are a great wake up call to young people deciding to apply for credit cards. We saved the most interesting fact for last, according to this website 30% of Canadians surveyed say they don't pay their credit cards off at the end of every month which ends up being roughly  7 billion in interest payments every year.]]> 2019-03-19 06:24:06 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342706081 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342708524 In this video city tv compares the best credit cards for travel rewards on your purchases. There are tons of credit card companies out there but the most used by Canadians seems to be TD, RBC, BMO and Scotiabank. Each of these banks charge different annual fee's sometimes ranging from $0-$500 a year. The credit card market is a highly competitive market which is why sometimes it can be extremely overwhelming when looking for a credit card that works for you because they're are a lot of options. Companies have started creating marketing tactics such as waving their annual fee for the first year and giving out thousands of free aeroplane miles when you switch from your current credit card to theirs. According to Citytv the best card on the market right now is the RBC World Elite Westjet Card.it provides a free return ticket on any flight in Canada when you switch from your own bank to theirs. Its in your best interest to do extensive research to make sure you're getting the cheapest interest rate and if you're looking into a travel credit card the most points aeroplane points. We chose this video because we found it extremely informitive and helpful. One tip we heard that we thought was great news is that credit card companies are fighting each other to try and get us to sign up so its a consumers market right now.]]> 2019-03-19 06:41:22 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/342708524 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343032518 In this image according to BMO's 2015 credit card report 46% of Canadians carry credit card debt. 32 per cent of Canadian's don't keep track of their balance between the monthly billing cycles. We found this to be interesting because it would make sense that the Atlantic provinces would have a higher credit card debt because the climate is so cold all there is to do all day is shop online.]]> 2019-03-19 18:41:30 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343032518 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343052217 This website is an excellent tool to help people find the best rates possible that best will benefit them, weather it be they are looking for cash back as a reward when they use their credit card or points. or they are a fan of travelling and look for airplane points to help pay a portion of each flight. When you enter this website they are very straight forward and give you a couple options such as earn rewards, low interest, transfer debt and build credit.We found that this website was one of the best websites to help make the task of finding a credit card that's right for you less stressful. We mean this when we say we wish this website was around when we were younger and looking for credit cards.]]> 2019-03-19 19:20:53 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343052217 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343117338 This video was very helpful when your main focus is trying to find a credit card option with no annual fee. The tangerine MasterCard is a huge hit for a lot of people, you can get 2% back from gas, groceries, furniture etc. American Express offers 1.25% cash back plus cool exclusive pre ticket sales so you can see your favourite concerts and shows. The best visa with no annual fee is the home trust preferred visa. comes with 1% back on purchases. Another visa they highly suggest with no-fee if you're a movie lover is the Scotiabank scene points visa. As said in the title it offers loads of scene points to put towards your movie!]]> 2019-03-19 23:24:17 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/343117338 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344508339 Word Document ]]> 2019-03-24 00:53:25 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344508339 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344508790 This video is about the new AMEX COBALT card, introduced in Canada is September 2017. This is a credit card that allows its users to gain points when they use this card to purchase items. They offer a 10,000 welcome points when you first sign up with this card. Then you can receive up to 40,000 points gained in increments over your first year of owning/using the AMEX COBALT Card. That sounds like a great offer but how do you gain these points? Well, every month you spend more than $500 you will receive 2,500 points. You earn 5x the points on "eats & drinks" (dinning out, grocery's etc) 2x the points on travel or transit, and 1x the points on everything else. 
Once you have gained all these points you can redeem them several ways. You can use them towards; streaming services, concert tickets, eats & drinks, retail points, travel, gift cards, and more! 

]]> 2019-03-24 01:01:53 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344508790 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344510348 In this video it talks about how a 24 year law student accumulated several points from approximately 7 different credit cards. He would spend money on his cards which would reward him with 1X-5X the points, cash back, and different rewards. 
He would spend money on his cards, return the products and keep the points or cash back he had just received. There was one main way he did this, he took advantage of the Canadian Mint. He would purchase the coins in bulk online and in person at the Ottawa storefront. He earned all the points and cash back on said cards, then would go to one of his local banks and deposit the coins for cash to then pay off this credit card debts. 
By doing this he received so many points / cash back offers he has now traveled all over the world, having first class flights, staying in beautiful places.  

]]> 2019-03-24 01:31:15 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344510348 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344511885 In this image you can see two credit cards, two passports, boarding passes for flights, a phone with travel information on it, and a map with a compass. 
This is Scotiabank's marketing technique to make people want to use their credit cards. The picture showcases the Scotiabank Passport Visa Infinite Card. This card is said to be one of the best / most rewarding travel cards in Canada. The main offer of this card is it eliminates foreign transaction fees. All who use this card really value how easy it is to transfer funds to foreign currency with no charge. This card also offers 2,500 points within the first 3 months of use as long as you spend $1000. 
After you have accumulated several points with this card it can be used towards several options such as: travel expenses, priority passes, rental cars, travel medical insurance, and cancellation insurance.  It also offers other perks such as Ray Ban Aviator sunglasses. 
All information retrieved from: https://www.greedyrates.ca/blog/best-travel-credit-card-canada/]]> 2019-03-24 02:03:18 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344511885 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344513312 On this website it talks about the American Express Rewards credit card offers in Canada. This card is excellent for those who like to travel and gain points for using this card on everyday purchases. 
When you sign up for this AMEX card you will receive 2,000 air miles when you spend $1,500 in the first three months. That amount of points will help towards selected flights. 
What is really cool about this card is all the offers that the users of this card receive. You will automatically be entered into contests where you can see your favorite artist live in concert. With this card you will receive travel coverage, car rentals, theft & damage insurance, and accident insurance. 
Another cool feature of this card is " Refer A Friend" program where you can be reward with 500-7,500 air mile reward miles.  
  ]]> 2019-03-24 02:35:11 UTC https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344513312 courtneykenglish https://padlet.com/courtneykenglish/y8c3yy9r4a63/wish/344513533 This has to be the most informal websites that we have come across in our research. This website has a very helpfully chart on it which compares 10 different credit card companies and what they have to offer their clients. 
The chart includes credit card names, credit card types, special card features, annual fees, and credit card reviews.
Each card has its own sections in the lower parts of the website where in three to four paragraphs which includes eligibility criteria, what you have to have to get this card. Its also included details of what the card has to offer, how to gain points / cash back. It also clearly outlines the costs associated with these cards to there are no surprises.

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