Credit Cards – My Study Times

Borrowell Review – Personal Loans & Free Credit Score

Borrowell Review – How Does Borrowell Work?

Borrowell is the largest online lender in Canada with a good credit score since 2014. Borrowell helps thousands of Canadians easily access loans that suit their financial profile. If the user has a minimum credit score, Borrowell will quickly let all loan options that apply. The user can choose the tier on a three or five-year term. The user now needs to upload a notice of assessment from the last two tax returns even a picture of it, is allowed.

In the next step, Borrowell verifies the user’s bank account suing VERSAPAY. To verify, a small deposit will be deposited into the user’s bank account.at this stage, the user will get an email regarding his verification and a final review will be mailed. After his acceptance of the loan, the total amount will be deposited in the user’s account. All these will take about three days without any wasted time.

How to Repay the Loan? – Borrowell Review

Automatic monthly payment from the verified bank account is made to the borrower. An email will be sent to the user before the payment is removed. The user can also pay the total amount at any time in the process without any penalty. If the user doesn’t have enough money in the account to pay, then the user will be charged $25. The interest rate on loans ranges from 5.6% to 29.19%.

Eligibility For Borrowell – Borrowell Review

To get a loan the criteria required:

One must be a Canadian citizen or resident.
The age mentioned varies by province.
A valid account with a Canadian bank.
Valid email address.
The credit score of about 660.
No bankruptcy.
Minimum credit history of 12 months and a yearly income of at least $20000 before taxes.

Are you aware that you can pay your monthly payments through credit cards? Read our detailed review on the website which allows you monthly payments through credit card.

Plastiq Review: Simple Way to Pay Your Taxes and Mortgage with Credit Card

Is Borrowell Legit & Secure? – Borrowell Review

One of the biggest about online lending, in general, is security. Borrowell states that ‘the security of user’s information is their utmost priority and they spend a lot to assure security. It is legitimate and uses advanced 256-bit data encryption and uses similar technology as a traditional bank.

Borrowell – Free Credit Check

Borrowell provides the user with his Equifax credit score which is free of charge.it also provides recommendations and personalized credit coaching to the best financial products. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess users’ creditworthiness. In addition to the credit score, other information is also considered to evaluate creditworthiness. The score provided is the Equifax risk score, ERS 2.0. Weekly updates on the core, credit score, and tips to increase score will be updated.

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Borrowell Benefits (Borrowell Pros)

Bank-level security with 256-bit encryption.
checking credit score with Borrowell is free.
Personalize financial product recommendations.
Free weekly credit score and improvement tips are recommended.

Conclusion – Borrowell Review

As the interest rates charged in Borrowell are fair and free for signing, many Canadians prefer to borrow for their business or personal loans. Though If you have an excellent credit score and own a substantial portion of your house, borrowing money at a cheaper rate than what Borrowell is offering is easy. However, many Canadians don’t have excellent credit or hundreds of thousands of dollars worth of equity built up in their homes. Borrowell allows these Canadians loans quickly and easily. And the security provided is one of the main reasons for its greater impact.

5 Best Credit Cards for Gas in Canada

Over time, it has become very problematic for everyone in accumulating money and spending so much on small expenses. Every day people are facing difficulties due to a simple increase in the price of petrol and diesel. Nowadays people have become so dependent on cars, Bikes and motor vehicles, that there is no better time to save money for gas. Thankfully, there are many credit cards for gas in Canada that provide you with various features, rewards, and cashback for every gas purchase.

Below I have mentioned the best credit cards for Gas in Canada.

Best Credit Cards for Gas in Canada

Credit cards for gas are very beneficial for those people who spend a high amount of money on gas every day. Because Credit card for gas provides various rewards and cashback on each gas purchases which can save their lot of money.

There are various credit cards for gas in Canada that offer returns on gas purchases without any payment of an annual fee.

Tangerine Money-Back Credit Card

Who can apply?

Minimum income required $12,000
Age: Must have attained the age of majority in your territory

Tangerine Money-Back credit card offers you unlimited cashback along with loads of rewards. It is the best credit card for gas in Canada as it provides you 2% of unlimited cashback if you spend on any 3 types of purchase categories, and 0.5% cashback is given on any other category. Many things fall into their purchase categories like categories, and bill payments, public transportation, drug store, parking and hotels.

Tangerine Money-Back credit card Extra Benefits:

Purchase assurance is provided to cardholders to cover loss, theft or any damage on new purchases made anywhere in the world.
The validity of this insurance is up to 90 days from the date of purchase.

MBNA Rewards Platinum Plus Mastercard

Key features:

Annual Fee: $0
Interest: purchases 19.99%
Rewards: 2 points per dollar

MBNA Rewards Platinum Plus Mastercard gives you 2% cashback on every purchase you make under gas, grocery and restaurant categories. You will get 1% cashback on any other category purchases and all the points can be redeemed as credit and can be used for purchases and merchandise.

MBNA Rewards Platinum Plus Mastercard Extra Benefits:

Purchase assurance is provided on eligible purchases with 90 days from the date of purchase.
Mobile device Insurance is also provided in case of loss, theft or damage to cover the loss.

Triangle World Elite Mastercard

Key features:

Anula fee: $0
$50 first year value
Sign-up rewards: 15% cashback is given on first purchase at Canadian tire and if someone has spent up to $333 on a single purchase then value of $50 cashback is provided.
Minimum income: $80,000

Triangle World Elite Mastercard is very beneficial for those people who shop at Canadian tire stores daily as Triangle World Elite Mastercard provides 5 cents per liter at Canadian gas and 4% cash back at Canadian tire stores.

Triangle World Elite Mastercard Extra Benefits:

Easy Bill payment through Canadian Tire online banking login.
Roadside Assistance Gold plan membership which includes 24 hours assistance and extra services like flat tire charges, fuel delivery.

Apart from all these credit cards for gas in Canada, there are few other Premium credit cards available that offers VIP perks and rewards. Some cards mentioned below are the best premium credit cards for gas in Canada.

Best Premium Credit Cards for Gas in Canada

Scotia Momentum Visa Infinite Card

Key features:

Annual fee: $120
Minimum income required: $60,000
Annual fee waived for 1^st year
Interest rates: 20.99% on purchases
You will earn 4% for every $1 spent on grocery purchases, subscription purchases and Billing payments.
You will get 2% for every $1 you spend on a gas purchase, subscription.

Scotia Momentum Visa Infinite Card is the Best Premium Credit card in Canada as their insurance coverage includes:

Mobile device insurance
Trip cancellation and Trip interruption insurance
Travel Emergency medical insurance
Flight delay insurance
Lost Baggage insurance
Travel Accident insurance and many more protections.

Scotia Gold American Express Card

Key features:

Annual fee: $120
Minimum income required: $12,000
Interest rates: 19.99% on purchases
You will get 5 scotia points for every $1 you spend on grocery items, restaurants and popular food subscriptions.
And 3 scotia reward points for every $1 spent on scotia etc.

Scotia Gold American Express Card provides the best insurance coverage that includes

Travel emergency medical insurance
Hotel burglary insurance
Purchase security and Extended warranty protection and many more.
Scotia gold American Express card Extra Benefits:
Booking any flight and redeeming your points is very easy through Scotia Rewards Travel service.
Concierge service is provided to cardholders that makes restaurant reservation or booking any ticket for a show easy.

Plastk Secured Credit Card Review ($25 Bonus) – Best Secured Credit Card Canada

Plastk Financial Brief Review

The Plastk Secured Credit Card is the first secure credit card in Canada to provide a premium rewards program. Their credit insights provide you with the tools to take charge of your credit and be rewarded for it. Mo has spent a lot of time working in the automobile market, where discussions on financing solutions were less.

Plastk Secured Credit Card Review | Best Secured Credit Card | plastk secured visa card review | plastk credit card | plastk secured card | plastk secured visa — Plastk Secured Visa Credit Card Review

In this PLASTK secured credit card review we will see how Mo saw that many people were having problems reforming their credit rating because of earlier mistakes and that beginners require a practical method for obtaining a credit card while establishing their credit record from scratch. Mo noticed in 2019 that the finest rewards programs were kept for a select number of high-net-worth individuals. He foresaw a credit card that would not only help people restore or build credit, but would also offer premium perks that were not accessible with the other credit line products.

Eligibility Requirements for Plastk Secured Credit Card

Unlike the other credit cards that have more severe conditions such as a minimum yearly or family income and a minimal credit rating, Plastk does not have any plastk secured credit card limit that will prevent you from being approved. To qualify for a Plastk Secured Credit Card, you have to meet the following criteria:

You are a Canadian national.
You’ve achieved the legal age in your province
To open your account, you must make a cash minimum deposit of $300.

Costs and Fees of Plastk Secured VISA Credit Card

The Plastk credit card review shows that it comes with a $48 annual fee + a $6 monthly maintenance fee, similar to many different rewards credit score playing cards that include more increased perks. However, if you’re not able to use different credit score playing cards because of denied income, a low credit score score, or no credit score history, then cumulating $120 isn’t an imperfect deal if it is a method for you to build up your credit score while not missing out on perks and rewards.

Plastk Secured Card Features and Benefits

Premium Rewards: According to the Plastk secured visa card review, one can earn up to one point for every $1. They can save points for shop credit, products, generous donations, gift cards, trip awards, and premier events.
Great Welcome reward: New customers who sign up for a secured Plastk credit card can earn up to 5,000 Plastk Bonus Rewards points after being a customer for 3 months.
Flexible Cash Deposit: Deposits range from approximately $250 to a maximum of $10,500.
Lower interest rates – 17.99% annual interest rate for purchases and 21.99% annual interest rate for cash advances.
Generous Grace Period – This Plastk secured card review also shows that for purchases, one has a grace period of 25 days, and for cash advances, one has a grace period of 3 days.
Free Credit Score Updates – Cardholders get access to free monthly credit score updates from Equifax.
Fees – The annual fee for the Plastk Secured Credit Card is $48 + a $6 monthly maintenance fee.

Pros and Cons of Plastk VISA Credit Card

Pros of Plastk Card

Helps you construct a credit score rating from scratch or give a boost to your current rating.
Earn rewards on each buy redeemable for merchandise, present cards, an assertion credit score, and more three. Quick software manner with approval within 24 hours.
Can follow and get authorized even when you have a horrific or no credit score.
0% APR for the primary three months, and 17.99% after that.

Cons of Plastk Credit Card

According to the Plastk secured visa review, a security deposit is required before receiving the card. This means you have to pay in cash in advance.
Foreign transaction fees are above average at 3.5% compared to around 2.5% for most other cards.
If you close your account, it may take up to 60 days to collect your cash deposit.

How Does the Plastk Secured Credit Card Work?

Being a secure credit card, the Plastk Secured Credit Card is a little different than the other credit cards you are used to. To use a secure card, you must send a cash deposit to your credit card issuer as security before receiving the card. Normally, the amount you deposit will be your credit limit. The minimum amount you must deposit to qualify for the Plastk Secured Credit Card is $300 and the maximum amount you can deposit is $10,000.

One of the main benefits of using a Plastk Secured Credit Card is that it helps you build credit. This is a great solution if you have a low credit score, have just arrived in Canada, are a student, or are simply trying to rebuild your credit. Plastk reports monthly to credit units and you can even request a free monthly credit score from Equifax to track your progress. It’s a reward system that’s not common on credit cards. You can receive cashback rewards for each purchase, so you can not only repair your balance but gain something in the process.

Conclusion Plastk Secured Credit Card Review

When you sign up for Plastk, you’ll receive 5,000 Plastk Rewards points after owning the card for 3 months and if your account is healthy. Terms apply. This is worth $20.00 and can be redeemed as a statement or used for other rewards such as events, merchandise, and travel rewards. Every new Plastk customer benefits from her APR of 0% for her first 3 months of card ownership.

Wealthsimple Cash Card Review – Wealthsimple Cash App Review

Wealthsimple Cash Card Review – Pros, Cons, Eligibility, How to Apply, Cashback, Promo Code

**Scan QR Code to Download Wealthsimple Cash App On Your Phone**

If you are a person who loves to spend but has trouble keeping tabs on it, prepaid cash credit cards are for you. Prepaid cash cards are quite different from credit cards. It requires funding in advance from the cardholder to avail the card. It helps to limit your spending money and allows the cardholder to be conscious of the exact amount spent.

As Warren Buffet once said, “Do not save what is left after spending but spend what is left after saving”.

In the current Wealthsimple Cash Card Review, we look at one of the best prepaid cash cards in Canada, Wealthsimple cash card.

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Card Name & Card issuer: Wealthsimple Cash Card Review – Wealthsimple

Wealthsimple kept the millennials in mind while establishing this institution. It is an online investment management service that paves a clever way in investing, saving, and spending their clients’ money. The headquarters situated in Toronto, Canada, is headed by CEO Michael Katchen.

Wealthsimple Cash Card Review

Wealthsimple cash is a free peer-to-peer payment app that recently released a physical card for the same. The card is a prepaid Visa cash card through which purchases can be made by the funds paid into your Wealthsimple cash account.

The card helps in easy paying and receiving funds from various contacts. The refunded money is visible once the process has been completed.

Another advantage of this card is that it has no foreign exchange transaction fees or declined transaction fees. The only fees extracted are the standard ATM withdrawal fees (about$3.00) and currency conversion fees, when purchases are made outside the CAD currency.

The Wealthsimple Cash card has no annual fee.

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Wealthsimple Cash Card Transaction limits

Since it is a prepaid cash card, it requires funding in the account in advance to make any purchases. The transaction limit per day and per transaction is unlimited. The maximum spending limit is 10,000 CAD (per day and transaction). The ATM withdrawal limits are up to 500 CAD per transaction and 1000 CAD per day. The amount balance is visible in the Cash app.

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Wealthsimple Cash Card Cashbacks

Wealthsimple cash card applies 5% cashback on purchases from restaurants, bars, and food delivery services. This cashback is only available in a certain period between 12:00 am EST(on Fridays) and 11:59 pm EST(on Sundays). The Cash app allows you to view from where the cashback came in.

How to apply for Wealthsimple Cash Card?

The following are the steps to apply for the Wealthsimple Cash card:

Open a Wealthsimple Cash account
Download the Wealthsimple Cash app and link it with the Wealthsimple cash account.
Add money into your cash account via the app.
Request for a physical card, which will arrive via mail within a few days.
To activate the physical card and to set the PIN, call +1 877-868-0854
Import your contact list into the app to make payments and receive amounts instantly.

Wealthsimple Cash Card Benefits

The Wealthsimple Cash card has no annual fee.
No minimum balance required
No foreign exchange transaction fees or declined transaction fees
Cash backs up to 5% earned from restaurants, bars, and food delivery services.
Wealthsimple cash app helps in easy payment and receiving of money instantly.
Along with your physical card, you receive a virtual card via the Cash app.
Apple, Samsung, and Google Pay can be linked to this account.
The physical card can withdraw money from an ATM.

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Wealthsimple Cash Card Drawbacks

Limited cash backs: The cash backs earned are only from restaurants, bars, and food delivery services and not for all purchases.
Credit score: Prepaid cards are not applicable for a good credit score.

Conclusion – Wealthsimple Cash Card Review

The above-curated information is from meticulous research as I have not earned the opportunity to purchase the Wealthsimple Cash card. The above card is Canada’s first P2P payment app, which recently released a physical card with no annual fees. Thus, the Wealthsimple Cash card is one of the best-prepaid credit cards in Canada.

Crypto.Com Visa Card Review

The world is evolving from paper currency to cryptocurrency.

As Bill Gates once said, “The future of money is a digital currency.”

Crypto.Com Visa Card Review: Cryptocurrency, in simple words, is a currency without any physical embodiment which resides in the digital realm. In the current review, we look at one of the best crypto credit cards, Crypto.com Visa card.

Crypto.com was one of the first to bring out the best crypto credit cards. They began the company, with one main thing in mind, to accelerate the world’s transition towards cryptocurrency.

Crypto.com Visa Card Review

The Crypto.com visa card is the largest crypto card program. The company has offices all over the world. Crypto.com debit cards are called Metal Visa cards. The native token name of Crypto.com is CRO. The card is compatible with more than 90+ cryptocurrencies.

They are prepaid cards that require an amount in the Crypto.com beforehand to avail its benefits. This card can be purchased, even if you do not own any cryptocurrency, as it can be topped up with both fiat(paper currency) or cryptocurrency.

5 Best Crypto.com Metal Visa Cards

[wps_table style=”stripped-dark”]

No	Crypto.com Card Name	Staking Requirement in USD	Rewards
1	Midnight Blue Visa card	$0	1%
2	Ruby Steel Visa card	$400	2%
3	Royal Indigo and Jade green	$4000	3%
4	Frosted Rose Gold and Icy White Visa card	$40000	5%
5	Obsidian Visa card	$400000	8%

[/wps_table]

Crypto.com Visa Card Fees:

The Metal Visa cards are free of annual fees. The card is also free from ATM Withdrawal fees and Currency Exchange Transactions. For more information on fees, go to the Fees and Limits option under Settings in the Crypto.com app.

Crypto.com Visa Card Rewards:

After each eligible transaction, there is a deposition of cashback in CRO in the account. The cashback/rewards can be seen in the Crypto Wallet in the Crypto.com app. Purchase rebates are reimbursed to the USD equivalent. Rewards according to the type of card, there are special rewards on Netflix, Spotify, Amazon Prime, etc.

Crypto.com Visa Card Eligibility:

Since it’s a prepaid card, this card has to be linked with another debit/credit card to retain the minimum amount in the account. It is also compulsory to stake the amount for 180 days and after which it can be unstacked. “Stake” or “Staking” means the holding of CRO in your Crypto.com App Wallet for 6 months. But on unstacking it, the benefits or rewards obtained from the card might be lost. Another requirement is the residency check. There is no check on credit scores.

How to apply for Crypto.com Visa Card?

The following are the steps to purchase these cards

Sign up to the Cyrpto.com
Download the Crypto.com app. (only available on apple & android mobile devices)
Apply for the card you want to purchase and complete the verification/application process.
Check the card status in the Crypto app. For the physical card shipment details. The shipment duration would be different according to the country.

Crypto.com Visa Card Pros

No annual fees
90+ cryptocurrencies compatibility
Topped up with Fiat and cryptocurrency
The Crypto.com app makes it easier.
Cashback/reward benefits

Crypto.com Visa Card Cons

The Crypto.com app is only available on Apple and Android mobile devices
Compulsory staking of the minimum amount to avail card benefits.

Conclusion – Crypto.com Visa Card Review

The above-curated information is from meticulous research as I have not earned the opportunity to purchase these credit cards. It is advisable to purchase the Metal Visa cards from the second tier onwards as it earns more benefits. Cryptocurrency is the new future, so don’t wait any longer and get a Crypto credit card.

Crypto.com Visa Card FAQs

How do crypto Visa Cards work?

Are Crypto.com Visa cards free?

Are Crypto.com Visa cards Safe?

Yes, They are safe to use.