It all starts with a Credit card. A credit card that gives you the sudden buying power and confidence to afford things whether you can personally pay it off before its due date or not. In a country like Canada where it is imperative to have a credit card to make your credit history, more and more Canadians are falling in this trap. The economic picture is simply not pretty with Canadians being laid off at an alarming rate, careless spending habit with over-budget, the real estate market crashing, and the stock markets losing ground daily, many Canadians are on the financial brink. more... See more text