The easy way to build credit

Credit history is important in Canada. It helps when you want to:

• Rent a better place

• Get a phone plan

• Buy a car

• Or get a loan later

Here’s how to start, simply.

✅ 1. Get a Basic Credit Card

Many banks offer newcomer credit cards. Start small. That’s fine.

✅ 2. Use It for Small Things

• Buy groceries

• Pay one small bill

• Don’t spend more than you can pay back

✅ 3. Pay It On Time (Very Important)

• Pay the full amount if you can

• At least pay the minimum on time

• Late payments hurt your credit

💡 Small Reminder

You don’t need to use your credit card a lot. You just need to use it well.