Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?two years for employment related requests.
Using You Credit Card Card Abroad
taking your credit cards with you on your next overseas trip can make traveling easier. You dont have to carry as much cash or get foreign currency you may not use, and you have a record of all your purchases. Most major credit cards are accepted worldwide, and in many countries credit cards are widely accepted. If your credit cards are lost or stolen and used by a thief, you generally cannot be held responsible for more than $50 in fraudulent charges. That makes carrying credit cards safer than carrying a lot of cash. Some credit card companies will replace your cards (sometimes overnight) if they are lost or stolen while youre traveling another plus.
Secured vs. Unsecured Cards
As a new college student you might be too busy finding your way around campus to worry about credit card management. But the sooner you learn the ins and outs of credit cards, the better. By the time you find your way to the campus post office and check your mail box, there will be plenty of approved credit card offers waiting just for you.
Take a good look at your Pre-Approved Credit Card Offers
Chances are you have received offers in the mail asking if you would like to open credit card accounts. Frequently, these offers say that you have been "pre-approved" for the card, with a line of credit already set aside for your use. Typically, these offers urge you to accept quickly, "before the offer expires." However, before accepting a credit card offer, understand the cards credit terms and compare costs of similar cards to get the features and terms you want.
How can I find out what, if any, international surcharges credit card companies apply on top of the 1% exchange fee already charged by either MasterCard or Visa International charging or currency exchange in foreign countries?
Paying with a credit card is safer than carrying large sums of cash. If your credit card is stolen, you can stop charges on the account and get a new card. However, if your cash is stolen there is little you can do. Some credit cards offer valuable travel-related perks too. American Express offers its cardholders help finding an English-speaking doctor, an accident insurance policy and car rental insurance. Check with your credit card issuer about cardholder travel benefits they might have. When you use any credit card internationally you are charged a 1 percent fee by the credit card issuer (Visa or MasterCard). Most people are not aware of this fee. It is imposed at the currency exchange level as part of the transaction. You can find the current currency exchange rate at http://www.xe.com/ucc or by calling your bank. But in addition to this fee, some credit card companies have begun to charge an additional 2 to 5 percent fee for international credit card transactions. For example, American Express charges a 2 percent fee for international transactions with its card. Check with your credit card issuer to learn more about its fees before you make international charges.
What can you afford using your credit card
However, there are times when it might be wiser to use a credit card. For example, any time you make a purchase online, you should try to use a credit card. Why? If there ever is a case of someone stealing your credit card number and charging on it, you will usually only have to pay up to $50 of the stolen amount. If someone steals your debit card number and uses it, you will rarely get any of that money back. Some banks do offer theft protection on debit cards as a courtesy, but they are not legally obligated to refund the money stolen. It is up to the customer to close their account in order to stop withdrawals. Check with your bank to find out what their liability policy is on debit card theft. If you do use a credit card, you can always pay off your balance immediately and avoid ever paying any interest.
When should you turn a credit card offer down, and when should you accept?
For the new college student, it can be relatively easy to get a card. It will seem people are everywhere with offers. You will get offers in your mail box, and see VISA, MasterCard and Discover card tables at many school events. The solicitors at these tables will not only ask you to fill out quick and easy credit card applications, but they will also offer you free gifts and incentives just for doing so. The gifts are often yours to keep, even if you choose not to accept their credit card.
College and Student Credit Cards
College students receive the least stringent credit card offers of any other group. This group of consumers is the only group that can get a credit card (in many cases instantly) without even having a job. This can work in your favor, if you make wise decisions. Not only can you get a great credit card and a free gift, you can also build an excellent credit history. But it all depends on you. If you do decide to get a card, take your time in choosing. Don?t just choose any card that comes your way. Before you choose any credit card offer, make sure you understand what a credit report is, how it will affect you, how a credit limit works, what an APR of a card is, what annual fees apply to the card you are considering, and how cash advances work. Knowing all this before you get a credit card will give you a more secure financial future. Listed below are the most important terms you need to know before you apply for a credit card.
Move the Due Date
Ever been short on cash right when your credit card bill is due? Still waiting for your payroll check? No problem. Call you credit card issuer and negotiate a new due date. Most likely, your request will be honored. A new due date will allow you to better manage your cash flows, so that you have enough cash (in bank, or on hand) to pay your bills.
Be wary of credit card application
A credit card works differently. With a credit card, someone has given you a fixed line of credit. Say, $1000. Anytime you use your credit card, the amount is deducted from your credit line. Then each month you will get a bill. You can either pay all that you owe or only pay a required minimum of the balance due. What you don?t pay will stay on your account and collect interest each month until it is paid off. This might sound like a great thing: buy now, pay later. However, the interest can quickly multiply and cost you much more than you ever spent to start with.
