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How Credit Cards Changed My Life

Flying First Class Emirates

Flying First Class from India to Dubai

Updated: October 26th, 2020

I find it interesting that some people either hate credit cards or love credit cards. After all, they’re just a tool to help you buy things more conveniently. Sure, if you spend uncontrollably you’ll go into debt and pay outrageous interest fees, but that’s totally up to the person using the card. For me, these little pieces of plastic with a barcode and signature on the back have totally changed my life.

I’ll always remember the first credit card I received. It was an MBNA MasterCard with the Edmonton Oilers logo on it. I got it at a hockey game when I was 18 because they were giving out a t-shirt and I needed my first card. These days, I would never apply for a credit card that had no reward points and only came with a crappy t-shirt. However, receiving that first credit card at 18 did do something really good for me – the beginning of my credit score history.

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Travel Insurance For All Ages

Flying First Class Emirates
As you may have guessed by now, I love traveling. There’s something so special and so exotic about visiting a distant land, a place so different from the place I call home. I can find something I love about all destinations but my favourite places are often the ones that are so different from where I come from. I love the culture shock. I love learning new things and meeting people from a completely different background. It’s that love for travel that led me to the art of travel hacking. Without learning how to maximize credit cards for travel rewards, I wouldn’t have been able to afford many of the flights I’ve taken, especially the fancy ones such as flying first class on Emirates.

I’m an adventurer at heart. I love scuba diving, hiking, and standing next to permanent lava lakes, such as Erta Ale in Ethiopia. However, I’m also practical and try to be as safe as possible. That’s one of the reasons why I always get travel insurance when I leave Canada. Aside from some stomach issues I’ve had in countries such as Indonesia, I’ve never had to use it, but still, it’s a great thing to have because if something ever does go wrong, costs can add up pretty quick. It’s just a great peace of mind to know that I’m covered, financially, if something were to happen. Read more

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Finding The Perfect Credit Card

Flying First Class Emirates

Flying First Class Emirates from India to Dubai

I’m a huge fan of credit cards. They make it easier to buy things both online and offline, remove the need for me to always have cash, and give me the possibility of earning rewards for every dollar I spend. Plus, It allows me to keep track of my spending through my digital monthly statements. There’s a number of other benefits as well, depending on the card you have, such as rental car insurance, travel insurance, extended warranties, and so much more.

However, not all credit cards are equal and depending on your lifestyle, some may be better suited to you than others. In this article, I’m going to share with you some tips on finding the best credit in Canada, just for you.

How To Find The Perfect Credit Card

Before I start, I want to mention that it’s perfectly fine to have more than one credit card. In fact, I often have upwards of 5-10 credit cards at all times. This is because I maximize points for my travel needs (or wants). I also never spend more than I have, which is very important when it comes to using credit cards to earn rewards. If you can’t pay off the balance in full each month, please stay away from credit cards, especially if the main purpose is to earn rewards. If you’re paying interest, the value of the rewards will be diminished very quickly. With that being said, let’s get started. Read more

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