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Canadian Credit Cards

Here are two links that might come in handy if you are traveling. They are ATM locator sites if you need quick cash from your cards.

Mastercard or Cirrus –

http://www.mastercard.com/cardholderservices/atm

Visa or Plus - http://visa.via.infonow.net/locator/global/jsp/SearchPage.jsp

Enjoy the convenience of using your credit card but use common sense to ensure you don't pay extra fees or become a victim of credit card fraud.

First, please pay off your monthly balance - every month! If you can't pay off your balance, that is a good sign that you are simply living beyond your means and spending more than you earn. Eventually it will catch up to you and you will find yourself in financial troubles. By paying your complete balance you make sure that your spending stays in line and you don't incur any expensive interest charges.

Secondly, be smart with your card #'s. When you buy online ensure that your transactions are secure - reputable sites will state right up front and through the buying process what kind of security and secure transactions they conduct. Don't send your card # with expiry date written in an email. You never know who will be reading the email in future, and once that email is sent it is gone forever (and so is your credit card information)! Also watch your statements to ensure your card wasn't billed for something you didn't buy.

Let's all be careful with our card numbers online and shop safely!