November is Financial Literacy Month in Canada, a time to reflect, reset, and take action toward better financial habits. At Collabria, we believe that credit confidence starts with knowledge. Over the past year, we’ve shared practical insights to help Canadians build and manage credit wisely. Now, we’re bringing those ideas together in one place to help you take charge of your credit health.
Here are five articles for you to reference this month for more information on improving your credit health:
1. Build Your Credit Before 2026
Whether you're starting out or rebuilding, this guide offers actionable steps to improve your credit score before the new year. From making on-time payments to diversifying your credit mix, it's a roadmap for long-term success.
2. Understand the Fine Print
Credit card terms can be confusing, but they don’t have to be. This article breaks down key concepts like APR, grace periods, and minimum payments so you can make informed decisions and avoid surprises.
3. Teach Teens and Young Adults About Credit
Financial literacy starts early. This piece offers tips for parents and educators to help young people understand how credit works and how to use it responsibly.
4. Use Balance Transfers Strategically
If you're carrying high-interest debt, a balance transfer could be a smart move. Learn how to evaluate offers, understand fees, and use this tool to reduce your financial burden.
5. Rethink Your Credit Card as a Financial Tool
Your credit card can do more than make purchases. It can help you track spending, build credit, and even earn rewards. This article encourages a strategic mindset for everyday use.
Take Action This Month
Financial Literacy Month is the perfect time to revisit your credit habits and set new goals. Whether you're educating others or improving your own financial wellness, these resources are here to support you.