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Barry Choi

Contributing Writer

Barry Choi is a freelance personal finance and travel expert. His website moneywehave.com is one of Canada's most trusted sites when it comes to all things related to money and travel.

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The latest from Barry
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Joint Credit Card: How to Share a Credit CardSharing a credit card with a spouse or family member can help you save on fees, build credit scores and more. Just make sure you know the risks and potential benefits of joint credit cards and authorized users.Read more
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How Does Credit Card Roadside Assistance Work?Roadside assistance is a handy perk included for free by some credit card issuers.Read more
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How a Cash Back Credit Card WorksNot every cash back credit card is the same — each card has a different earn rate, bonus categories and benefits. Consider your spending habits to choose your ideal rewards.Read more
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How an International Credit Card WorksAn international credit card can help you avoid foreign transaction fees and earn travel-specific perks.Read more
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How to Maximize Your Use of Credit Card PointsMake the most of your credit card points by calculating the highest-value redemption option and using them before they expire.Read more
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How to Use a Credit Card Concierge ServiceThink of a credit card concierge service as a personal assistant for your travel, hotel, lifestyle and medical purchases and needs.Read more
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How Stacking Credit Card Rewards Could Save You BigMaximize your credit card rewards and earn more cash back by using spending categories to your advantage. Double up on offers and get exclusive perks.Read more
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How Merchant Category Codes (MCCs) Impact Credit Card RewardsCredit card purchases are assigned merchant category codes, or MCCs. These codes can affect how you earn rewards, like points or cash back.Read more
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How to Set Up Autopay on a Credit CardSet up an automatic credit card payment through your online account or mobile app to autopay monthly minimum payments or the entire balance on your credit card.Read more
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Rewards Cards Vs. Cash Back CardsShould you pick a rewards credit card to earn points, miles or travel perks — or choose a flexible and straightforward cash back card? It depends on your spending habits.Read more
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Credit Card Network vs. Credit Card CompanyCredit card issuers are companies that provide credit cards. Credit card networks create the infrastructure that makes transactions possible.Read more
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How to Buy Bitcoin and Other Crypto With a Credit CardYou can buy Bitcoin and some other cryptocurrencies with a credit card, but the process typically involves extra fees.Read more
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When Is a Credit Card Annual Fee Worth It?A credit card’s annual fee can be offset by its benefits — just make sure the extra cost is worth the premium perks.Read more
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What Is a Credit Card Authorization Form?A credit card authorization form allows a merchant to charge your credit card at a later date. You can use one to formally verify payments like monthly bills, hotel incidentals or charges on government services.Read more
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How To Pay Off Your Credit Card: 5 TipsFollowing a schedule, using automated withdrawals and paying more than the minimum can go a long way.Read more
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