Now’s the time for a little sprucing up of your finances. Make them sparkle with these tips.
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CLEAN UP OLD SPENDING HABITS.
Review your spending, figure out if you can scale back on any purchases, and build a budget.
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TIDY DEBT DUST BUNNIES.
No need to clear them all at once - set a manageable goal, and try to tackle debt with the highest interest rate first.
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CLEAR OUT THE FILING CABINET.
Sign up for paperless statements and digital alerts – use your cabinet for random thingamabobs instead.
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DIG UP THOSE GIFT CARDS.
They’re taking up space in your wallet, and you deserve a treat.
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OVERHAUL YOUR SUBSCRIPTIONS.
Free up some extra cash by cancelling any subscription services you're no longer using.
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GIVE YOUR OLD CLOTHING A NEW HOME.
If those old favourites no longer bring you joy, sell them – or trade them – online.
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FALL IN LOVE WITH OLD FAVOURITES.
Pull those classic looks out of retirement – your spring wardrobe may already be in your closet.
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FILL UP THOSE JARS.
If you have some extra cash after you’ve paid your bills, try to put some into savings.
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* If Quick Check pre-approves a card, you can be 100% sure we’ll approve your application as long as:
a. There’s been no change in your credit file information, personal information or financial status from the time you receive your Quick Check results to the time you apply for one of our credit cards;
b. You’re at least the age of majority in the province or territory you live in;
c. Your application isn’t flagged for fraud prevention;
d. You don’t have an existing Capital One account; and
e. You haven’t applied for a Capital One account in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.
In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.