{"id":85747,"date":"2024-03-21T09:37:19","date_gmt":"2024-03-21T13:37:19","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=85747"},"modified":"2024-04-05T14:04:31","modified_gmt":"2024-04-05T18:04:31","slug":"understanding-credit-cards","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/","title":{"rendered":"Understanding Credit Cards"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ba379fd wp-block-group-is-layout-constrained\">\n<p class=\"h3\">A credit card can be a useful tool to help with your day-to-day finances.&nbsp; Understanding how credit cards work and the different types of cards available, will help you easily find a credit card that matches your lifestyle and your needs.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a002cc14-1a50-4e9a-985d-d0db12d7fc2c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mob-mar-b-dbl is-layout-flow wp-block-column-is-layout-flow\">\n<article id=\"post-85803\" class=\"loop-post featured-vertical mob-pad-b-dbl post-85803 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-students rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-credit-cards\">\n\t<div class=\"col-wpr mar-b-0\">\n\t\t\t\t\t<div class=\"col-md-12 mar-b mob-mar-b-dbl\">\n\t\t\t\t<div \n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"A couple entering their credit card details on a tablet\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"680\"\n\t\t\theight=\"453\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/03\/Zz0xZmFhZGI2Y2RiZWExMWVlYTYzZmQyOWY5YTAyYTdlYQ-1.jpg?quality=80&#038;w=680\"\n\t\t\talt=\"A couple entering their credit card details on a tablet\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\tstyle=\"object-position: 50% 50%; \"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 mob-mar-t-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/5-tips-to-consider-when-choosing-the-best-credit-card-in-canada\/\" class=\"h3 loop-post-title mar-t-0\">5 Tips to Consider When Choosing the Best Credit Card in Canada<\/a>\n\t\t\t\t\t\t\t<p>5 factors to consider when choosing a credit card that suits you best. <\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbccom-latest-posts\">\n<article id=\"post-85844\" class=\"single-post-card-wrapper post-85844 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-students rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-credit-cards\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/best-travel-credit-card-canada\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">6 Tips to Choose the Travel Credit Card That&#8217;s Best for You<\/a>\n                    <p class=\"post-description\">Discover the key factors that can help you choose a travel credit card that is best for you. <\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-85779\" class=\"single-post-card-wrapper post-85779 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-students rbc_lob_group-students rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-credit-cards\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/credit-card-fees-101-how-and-why-fees-are-charged\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">Credit Card Fees 101: How and why fees are charged<\/a>\n                    <p class=\"post-description\">When it comes to credit card fees, you have options. Ask yourself, is the fee worth what I get in return? <\/p>\n          <\/div>\n  <\/div>\n<\/article>\n\n\n\n<article id=\"post-85772\" class=\"single-post-card-wrapper post-85772 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-credit-cards\">\n  <div class=\"wp-block-rbc-single-post-card\">\n    <div class=\"latest-post-card\">\n      \t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t              <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/4-steps-to-choosing-the-best-cash-back-credit-card\/\" class=\"h4 post-title mar-b-hlf mar-t-0 truncate-third-line\">4 Steps to Choosing the Best Cash Back Credit Card<\/a>\n                    <p class=\"post-description\">Cash back credit cards are a popular option for Canadians. And for good reason. Find out how to choose the best cash back credit card for you. <\/p>\n          <\/div>\n  <\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c168bf32-08b8-4cdc-9a16-3dcd7b0df9e6\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 overflow-hidden has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-c71f93d1-a925-419f-a86f-11a93b96af85\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-tools-calculators-and-courses\">Tools, Calculators and Courses<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\" aria-label=\"previous slide\"><\/button><button class=\"carousel-next slick-arrow\" aria-label=\"next slide\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-tool.svg\" alt=\"icons\/icon-tool\"\/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-b4fba8c9-c608-4390-a272-839aa03fb601\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-help-me-choose-a-credit-card\">Help me choose a credit card<\/h3>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-selector-1\/en\/#\/\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-online.svg\" alt=\"icons\/icon-online\"\/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-7eb311fc-c2ed-49aa-8e71-b30cf7e9b4cb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-compare-credit-cards-online\">Compare credit cards online<\/h3>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/compare-credit-cards.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-calc.svg\" alt=\"icons\/icon-calc\"\/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-b61d512d-067b-40f8-94b5-7939c0c19286\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rewards-calculator\">Rewards calculator<\/h3>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-reward-points-calculator\/\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-3a5424e9 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbc-icon-block\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-80\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/icons\/icon-cash.svg\" alt=\"icons\/icon-cash\"\/><\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-55cab948-5743-44dd-8c7e-709f43fb78a0\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cash-back-calculator\">Cash back calculator<\/h3>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/tools\/credit-card-cashback-calculator\/\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bd06e44c-251d-40c0-95ae-02162ff9f492\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-c02592ea-461d-43c7-9963-925d0eb21a2f\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0 mar-b-0\" id=\"h-more-from-understanding-credit-cards\">More from Understanding Credit Cards<\/h2>\n\n\n\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-58157\" class=\"rbc-latest-posts-content-card-type-2 post-58157 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt rbc_content_type-article rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-bankruptcy rbc_mmm_category-credit-and-borrowing rbc_mmm_category-debt-stress-relief rbc_mmm_category-money-academy rbc_mmm_category-personal-bankruptcy rbc_mmm_category-understanding-credit-and-credit-scores\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Man out of image at a desk with hand pointing to a pie chart\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T144318.684.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Man out of image at a desk with hand pointing to a pie chart\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/bankruptcy\/personal-bankruptcy\/what-happens-to-your-credit-score-if-you-declare-bankruptcy\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Bankruptcy and Credit Score Canada: Impact, Timeline and Rebuilding Tips<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">How declaring bankruptcy affects your credit score, and ways to minimize the impact.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-58157 -->\n\n<article id=\"post-96482\" class=\"rbc-latest-posts-content-card-type-2 post-96482 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-youth rbc_lob_group-ways-to-bank rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-budgeting rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-loans\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Young woman sitting on a couch with a credit card in one hand and a smartphone in the other, reviewing a Buy Now Pay Later payment option for a purchase.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"411\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/shutterstock_2068070435.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Young woman sitting on a couch with a credit card in one hand and a smartphone in the other, reviewing a Buy Now Pay Later payment option for a purchase.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/buy-now-pay-later-your-guide-to-how-it-works-when-to-use-it-and-when-to-skip-it\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Buy Now, Pay Later: Your Guide to How it Works, When to Use It and When to Skip It<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Buy Now, Pay Later (BNPL) is a popular payment option if you\u2019re looking to spread out the cost of your purchases. Learn how it works, the risks and&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-96482 -->\n\n<article id=\"post-96073\" class=\"rbc-latest-posts-content-card-type-2 post-96073 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-credit-cards\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"post card image\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-1057767656.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"post card image\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/banking-digital-banking\/\">\n\t\t\t\t\t\t\t<span>Banking\/ Digital banking<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/should-you-increase-your-credit-card-limit\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Should You Increase Your Credit Card Limit?<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Learn everything you need to know before you increase your credit limit, including the pros and cons, and how to do it.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-96073 -->\n\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\t\n\t<div class=\"wp-block-tk-spacer id-bf685215-0e2e-45c5-9084-6471272ad6dd\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-24e87ee9-a195-493c-ad5a-a6e55da1a08d\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  pad-t-0 pad-b-0 overflow-hidden has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-8e30e048-bc9a-4e66-91c8-99c5e8c4d0ef\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-b-0 mar-t-0\" id=\"h-product-solutions\">Product Solutions<\/h2>\n\n\n\n<div class=\"wp-block-rbc-carousel-container is-layout-carousel-carousel is-mobile-per-page-1.2 is-desktop-per-page-3 default is-style-full-height-shadow-overflow\"><div class=\"carousel-wpr top-controls desktop-top-right desktop-top-right-dots-hidden mobile-controls-hidden\" data-mobile-per-page=\"1.2\" aria-label=\"Carousel Container\" data-visible-slide=\"3\" data-infinite-loop=\"true\"><div class=\"carousel-ctrl\"><div class=\"carousel-indicators\"><\/div><button class=\"carousel-prev slick-arrow\" aria-label=\"previous slide\"><\/button><button class=\"carousel-next slick-arrow\" aria-label=\"next slide\"><\/button><\/div><div class=\"col-wpr eh-wpr carousel-inner\">\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-travel-credit-cards\">Travel Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a69f0a85-1af5-4d6f-848d-f8a00664bfa7\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Travel credit cards with insurance benefits, bonus points and more<\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/travel.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-everyday-rewards-credit-cards\">Everyday Rewards Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-ea037b25-3c47-4cfe-992c-7505be8d051e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Get rewarded with points on every day purchase with flexible redemption options<\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/rewards.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-cash-back-credit-cards\">Cash Back Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c7a616ff-b2b7-41d1-85bd-f28fde94ff9e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Browse credit cards that reward you with cash back on everyday purchases<\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/cash-back.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-low-interest-credit-cards\">Low Interest Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a290299f-a889-4414-b1d9-4f1c6e8a1bd0\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Compare and choose between fixed and variable low interest options<\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/low-interest.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-no-annual-fee-credit-cards\">No Annual Fee Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-decfaab7-8587-4ec0-a25e-56c72555b5d5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p>Browse different types of credit cards that don\u2019t come with an annual fee and select the best one for you.<\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/no-fee.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n\n\n\n<div class=\"wp-block-rbc-carousel-inner carousel-item carousel-item-card-link\" aria-label=\"Carousel slide\">\n<div class=\"wp-block-group has-white-background-color has-background is-layout-constrained wp-container-core-group-is-layout-5773cda6 wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px\">\n<h3 class=\"wp-block-heading\" id=\"h-student-credit-cards\">Student Credit Cards<\/h3>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-3ec31aaa-292b-4e49-b0cc-f5a2709b1a2b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n<\/div>\n<a href=\"https:\/\/www.rbcroyalbank.com\/credit-cards\/student.html\" target=\"_blank\" class=\"carousel-item-card-link\" rel=\"noopener\"><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-aa375ea3-2861-4389-b800-0fb34b2de7fd\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-94c7cb0e-7b12-4553-afa6-7b716cc96a3d\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-b-0 pad-t-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\t\t<div class=\" wp-block-rbc-latest-posts wp-block-rbc-latest-posts-type-2\">\n\t\t\t\n<article id=\"post-57835\" class=\"rbc-latest-posts-content-card-type-2 post-57835 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-banking-digital-banking tag-credit-and-debt rbc_content_type-article rbc_lob_group-business rbc_difficulty_level-beginner rbc_mmm_category-credit-and-borrowing rbc_mmm_category-debt-stress-relief rbc_mmm_category-improving-your-credit-score rbc_mmm_category-money-academy rbc_mmm_category-struggling-to-make-ends-meet rbc_mmm_category-understanding-credit-and-credit-scores\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"Image showing a young woman paying bills with a credit card\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"549\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-535-1.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"Image showing a young woman paying bills with a credit card\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-and-credit-scores\/5-myths-about-your-credit-score\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">5 Myths about Your Credit Score<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Canadians have a lot of misconceptions about how credit scores work, from how they\u2019re calculated to what makes them go up or down. We debunk 5&#8230;<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-57835 -->\n\n<article id=\"post-95097\" class=\"rbc-latest-posts-content-card-type-2 post-95097 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt tag-managing-money rbc_content_type-article rbc_audience-newcomer rbc_audience-parents rbc_audience-youth rbc_lob_group-loans rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-money-mindset rbc_mmm_category-understanding-loans\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"A smiling mother hugs her laughing daughter in a cozy kitchen, while another person prepares food in the background.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/shutterstock_1562611987.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"A smiling mother hugs her laughing daughter in a cozy kitchen, while another person prepares food in the background.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/how-a-line-of-credit-can-help-you-manage-your-money-in-canada\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">How a Line of Credit Can Help You Manage Your Money in Canada<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">Learn how to get the most out of your line of credit.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-95097 -->\n\n<article id=\"post-95063\" class=\"rbc-latest-posts-content-card-type-2 post-95063 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-and-debt rbc_content_type-article rbc_audience-newcomer rbc_audience-students rbc_audience-youth rbc_lob_group-loans rbc_difficulty_level-beginner rbc_mmm_category-banking-basics rbc_mmm_category-banking-tips rbc_mmm_category-credit-and-borrowing rbc_mmm_category-money-academy rbc_mmm_category-understanding-loans\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t\t<div class=\"col-xs-5 mar-b-0\">\n\t\t\t\t<div\n\t\t\t\t\trole=\"img\"\n\t\t\t\t\taria-label=\"A happy couple sits on a white couch, playing with their dog, who is lying on its back.\"\n\t\t\t\t\tclass=\"post-card-image\"\n\t\t\t\t>\n\t\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"640\"\n\t\t\theight=\"427\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/shutterstock_183775940.jpg?quality=80&#038;w=640\"\n\t\t\talt=\"A happy couple sits on a white couch, playing with their dog, who is lying on its back.\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"mar-t-0 col-xs-7\">\n\t\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/credit-and-debt\/\">\n\t\t\t\t\t\t\t<span>Credit and Debt<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/line-of-credit-wins\/\" class=\"h4 card-title loop-post-title mar-b-hlf mar-t-0 mar-b-0\">Avoid Credit Trouble: How to Manage Your Line of Credit Wisely<\/a>\n\t\t\t\t\t\t\t\t\t<p class=\"mar-t-hlf\">A line of credit can be a powerful financial tool, if used properly. <\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/article><!-- #post-95063 -->\n\t\t\t\t\t<div class=\"load-more-button text-center mob-pad-t-hlf pad-t\">\n\t\t\t\t\t\t<button class=\"btn tertiary mar-t-0\">View More Articles<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow 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