Think a credit card is just another way to pay for things? Think again. 💳

In Canada 🇨🇦, your banking decisions in your first few weeks will determine whether you can rent an apartment, buy a car, or even land certain jobs years down the road.

Yet most newcomers make costly mistakes simply because they don't understand how the system really works.

In this episode, I break down the strategic differences between debit and credit cards in Canada—and why one of them is absolutely essential to building your life here.

You'll discover:

✅ The hidden traps that cost newcomers hundreds (or thousands) of dollars

✅ How to build an excellent credit score in 12-18 months instead of struggling for years

✅ Simple automation strategies that protect you from expensive mistakes

This isn't just basic financial information—it's the strategic roadmap that separates newcomers who thrive from those who spend years recovering from avoidable errors. 🚀

Whether you're planning your move or already in Canada, this episode will save you time, money, and frustration.

------------

Join "The Compass", my signature coaching program, where I guide you step by step to maximize your chances of success.

------------

📞 Book a Discovery Call or a Coaching Session with me : https://calendly.com/emma-charlin/!

------------

📘 Get My Practical Guide: Costs of Moving to Canada, The Ultimate Guide – The best resource to help you budget your move to Canada in the most efficient way!

----------------

🔗 Want more content? Follow me on LinkedIn or even better on my newsletter and get a booklet with 67 tips I wish I had known before moving to Canada!

----------------

🎙️ Welcome to Canada is a podcast dedicated to immigration and life in Quebec and Canada. Find each episode show notes in the Learn section of my website: www.bienvenueaucanada.ca/en/welcome.

----------------

Keywords: Move to Canada - Canada Immigration - Expat Life in Canada - Study in Canada - Work in Canada - Live in Canada - Moving to Quebec - Immigration Process Canada - Cost of Moving to Canada - Best Podcast About Moving to Canada - Credit Cards - Debit Cards - Credit Cards vs Debit Cards - Credit History - Banking in Canada - How to thrive financially in Canada - Understanding the banking system in Canada - Equifax - TransUnion - Guide for Newcomers.

----------------

🎧 If you love the podcast New to Canada, you’ll love Welcome to Canada!

Hosted on Ausha. See ausha.co/privacy-policy for more information.