About the author

Grace Guo

Grace is a communications expert with a passion for storytelling. This hobby eventually turned into a career in various roles for banks, marketing agencies, and start-ups. With expertise in the finance industry, Grace has written extensively for many financial services and fintech companies.

Blog posts by Grace Guo

4 min read

What Credit Score Do You Need For a Credit Card?

You generally need at least a fair to good credit score for most credit cards.

3 min read

Are Virtual Credit Cards Safe?

Virtual credit cards add a layer of protection for online spending.

5 min read

What is a Slush Fund?

A slush fund is simply a pot of money reserved for a particular purpose.

4 min read

Is it Worth Paying an Annual Fee for a Credit Card?

Annual fee cards can be worth it, but only when you genuinely use the perks and don’t lose the value to interest.

4 min read

When Do Collections Fall Off Your Credit Report?

Collections stay on your credit report for years, but they do eventually drop off.

4 min read

Best Student Credit Cards in Canada for 2025

The best student card for you is the one that matches your budget and discipline.