Managing credit

When your anticipated expenses are higher than your income, it's good to have access to various credit sources, such as a credit card Credit card: Plastic card issued by a credit company (e.g., VISA) that you can use to make purchases on credit and pay for them at a later date. , a line of credit Line of credit: Amount of money determined by a financial institution that you can use in exchange for paying interest fees.   or a loan. But credit often comes at a heavy price if it isn't properly managed.

Why do we need credit?	Concrete reasons why most people use credit.
How to obtain credit?	Tips on applying for credit that will help your caisse advisor analyze your credit request more quickly.
Costs of credit	Examples to help you choose the best loan conditions for your situation.
Credit rating	How to build a good credit rating and limit your debt.
Credit card security	A few rules to follow to keep your credit card information safe.
School loans, bursaries and debts: a survival guide	Information on the Desjardins Student Loan Management Service and the PDF version of the My Finances, Well in Hand! issue of the Mes finances - Ma caisse magazine.