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This secure application is provided by T3Leads, please remember; payday loan is a "high cost short term credit". Warning: Late repayment can cause you serious money problems. eLoanCanada.com is not a lender and or consultant but an information site that offers resources and news about financial products and services available in the market - affiliate disclosure.

Tag: Finance Charges

Credit Card Facts Canada

Credit card companies in Canada charge certain fees for certain type of transactions like cash advance, balance transfer, late payment and other types of transactions. Likewise, they offer special features and incentives like travel accident insurance and others.

Fees To Be Paid

Under any circumstances, the following are charged by most Canadian credit card companies:

  • Annual fee: It’s paid for being a user of the card
  • Cash advance fee: It’s paid when the card is utilized for making a cash advance; usually a flat fee or a percentage of the amount advanced
  • Balance-transfer fee (BTF): It’s paid when a balance from another credit card is transferred to the other card. Checks are usually sent to pay-off the card. Balance transfer happens when the check is used to settle the amount due on the other card.
  • Late-payment fee: It’s paid if payment was done after the date due
  • Over-the-credit-limit fee: It’s paid for payments exceeding the credit limit
  • Credit-limit-increase fee: It’s paid for a credit limit increase request
  • Set-up fee: Paid for opening a new credit card account
  • Return-item fee: Paid for returned checks when bill payments by check was done for insufficiency of funds (meaning, the check bounced)
  • Other fees and charges: Payments made for over the phone settlements, cost coverage for credit bureau reporting, account review, provision of other customer services. Other fees and charges are information which may be found on the credit card agreement.

Credit Limit

The credit limit is the maximum cost – for making purchases, cash advances, transferring balance, finance charges- which may be charged on the credit card. An over-the-credit-limit fee will be paid for exceeding the credit limit.

Features and Incentives

Incentives and special features are offered by many credit card companies for using the card :

  • Rebates money discounted on purchases
  • Regular flier miles or minutes for telephone-conversations
  • Additional warranty coverage for purchased items
  • Insurance for car rental
  • Insurance for accidents incurred while in travel
  • Credit card registration, in case wallet is lost or stolen and a report of missing credit cards had been made

For a certain amount, credit cards may also offer, Insurance coverage on credit card balance payments for card holders who become jobless or disabled or suddenly dies. Premiums are usually paid monthly, allowing payment cancellation if payments are more than what the desired payment amount is or if the insurance is no longer needed.

Credit card facts Canada highlights some of the important points that credit cards consumers usually look when applying for a credit card but you should always try to get updated information on your desired credit card application page and prior to availing of these special features, carefully decide whether these features are useful. Never pay for a feature which is not needed or is not useful.


Why and How To Restructure Consumer Debt

Are you feeling uncomfortable about handling your multi debt structure? Are you tired of your monthly payments just going toward higher interest cost and, or finance charges? Are you in over your head in debt? Are you looking for less expensive and a preferable alternative to bankruptcy? You need a debt-restructuring plan.

Debt problems affect hundreds of thousands of people. Many companies offer debt restructuring and consolidation services. Debt restructuring is a process that allows a private, public company or a sovereign entity facing cash flow problems and financial distress, to reduce and renegotiate its delinquent debts in order to improve or restore liquidity and rehabilitate so that it can continue its operations.

If you’re like many Canadian over the age of 18, carrying consumer debt from several sources like personal loans, mortgage, credit cards, or car loan, paying much more in interest charges. You are definitely missing to adopt an option through mortgage refinancing that have turned off higher interest debts with funds secured through a refinanced mortgage that has a lower interest rate. By restructuring your borrowings you gain more control over interest costs, leaving you with more money at the end of the month.

Debt restructurings typically involve a reduction of debt and an extension of payment terms. It can offer a simple way to better manage your borrowing costs:

  1. It prefers lower monthly payments, which create a larger monthly cash flow.
  2. Shorten the amortization; paying off your mortgage in less amount of time can easily save you several thousand dollars.

Most importantly, by following debt restructuring principles a well thought-out debt-restructuring plan can set you up for success, because at the end of the amortization period, your total debt is zero and with revolving credit like credit cards, you may be paying a lot in interest without ever attacking the principal.

Consult your mortgage professional to review your financial needs and get advise on how to soften down the drastic nature of the debt by using the equity in your home to reduce the interest cost.


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