{"id":3673,"date":"2020-03-17T19:15:06","date_gmt":"2020-03-17T19:15:06","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=3673"},"modified":"2023-06-06T16:48:44","modified_gmt":"2023-06-06T20:48:44","slug":"real-cost-of-credit-cards","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/real-cost-of-credit-cards\/","title":{"rendered":"Real cost of credit cards"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3673\" class=\"elementor elementor-3673 elementor-2116\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a34ddb6 elementor-section-stretched elementor-section-height-min-height elementor-section-items-bottom elementor-section-content-middle no-pad banner-gradient-page banner-page elementor-section-boxed elementor-section-height-default\" data-id=\"6a34ddb6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f2af2f5 hero_text_fix\" data-id=\"5f2af2f5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7236033a elementor-widget elementor-widget-text-editor\" data-id=\"7236033a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Understanding credit cards and their interest rates<\/h1>\n<p class=\"acs\">We resolve. You restart.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-656165c8 hero_image_fix\" data-id=\"656165c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10161d81 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"10161d81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"509\" height=\"499\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Cout-reel-des-cartes-de-credits.jpg\" class=\"attachment-large size-large wp-image-32918\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Cout-reel-des-cartes-de-credits.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Cout-reel-des-cartes-de-credits-300x294.jpg 300w\" sizes=\"(max-width: 509px) 100vw, 509px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3bec91 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3bec91\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-808081a\" data-id=\"808081a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f431038 elementor-widget elementor-widget-text-editor\" data-id=\"f431038\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What do credit cards really cost?<\/h2><p><strong>Credit cards have become practically indispensable today.<\/strong> Used with discipline, they are a positive payment tool for daily shopping, making larger purchases, accumulating reward points and even <strong>building a credit history<\/strong>. However, inappropriate use of credit cards can lead to harmful impacts on your personal credit. By being well-informed about how they work, you can take advantage of this payment method without suffering the consequences.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0df09e6 newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0df09e6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-844c7a8\" data-id=\"844c7a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-336bed7 elementor-widget elementor-widget-text-editor\" data-id=\"336bed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Is creditor negotiation the right solution for you?<\/h2><p>\u00a0<\/p><p>Creditor negotiation may be a viable solution if:<\/p><ul><li>You have few creditors.<\/li><li>Your debts are not very high.<\/li><li>You are going through a temporary situation that is affecting your finances, such as a temporary lay-off.<\/li><li>You have good business relationships with your creditors and they have confidence in you.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-039aede elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"039aede\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-934c39a\" data-id=\"934c39a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d925302 newdesign-darktext elementor-widget elementor-widget-text-editor\" data-id=\"d925302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Interest calculator for your credit card debt<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d25a08 newdesign-formulaire newdesign-formulaire-withtitle calculCreditShortcode elementor-widget elementor-widget-shortcode\" data-id=\"7d25a08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of 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id='gform_23' class='ratio-form' action='\/en\/wp-json\/wp\/v2\/pages\/3673#gf_23' data-formid='23' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LeRfrQoAAAAAJ544NJ-V27buktqjXp5ZoqSoDs7' data-tabindex='0'><input id=\"input_bec7ca089528cf1fdac3a3dced30b276\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_bec7ca089528cf1fdac3a3dced30b276\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><ul id='gform_fields_23' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_23_51\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_51'>Name<\/label><div class='ginput_container'><input name='input_51' id='input_23_51' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_23_51'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_23_4\" class=\"gfield gfield--type-html title no-top-margin gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Your Information<\/li><li id=\"field_23_6\" class=\"gfield gfield--type-select gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_6'>Salutation<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_6' id='input_23_6' class='medium gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Mr.' selected='selected'>Mr.<\/option><option value='Mrs.' >Mrs.<\/option><\/select><\/div><\/li><li id=\"field_23_8\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_8'>First name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_23_8' type='text' value='' class='medium'    placeholder='First name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_23_10\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_10'>Last name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_23_10' type='text' value='' class='medium'    placeholder='Last name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_23_9\" class=\"gfield gfield--type-phone gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_9'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_9' id='input_23_9' type='tel' value='' class='large'  placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_23_12\" class=\"gfield gfield--type-email gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_12'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_12' id='input_23_12' type='email' value='' class='large'   placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_23_7\" class=\"gfield gfield--type-text gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_7'>City<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_23_7' type='text' value='' class='large'    placeholder='City *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_23_13\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Credit card information\n<span class=\"arrow\"><\/span><\/li><li id=\"field_23_14\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Credit card balance<\/li><li id=\"field_23_15\" class=\"gfield gfield--type-number filed-number gf_right_half oninput field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_15'>Credit card balance<\/label><div class='ginput_container ginput_container_number'><input name='input_15' id='input_23_15' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_16\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Annual interest rate<\/li><li id=\"field_23_17\" class=\"gfield gfield--type-number filed-number gf_right_half prc oninput field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_17'>Annual interest rate<\/label><div class='ginput_container ginput_container_number'><input name='input_17' id='input_23_17' type='number' step='any'   value='' class='medium'      aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_20\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Option A: If you only make the minimum payment each month\n<span class=\"arrow\"><\/span><\/li><li id=\"field_23_23\" class=\"gfield gfield--type-html filed-label gf_left_half lh pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Minimum monthly amount<\/li><li id=\"field_23_22\" class=\"gfield gfield--type-number filed-number gf_right_half ht oninput field_sublabel_below gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_22'>Minimum monthly amount<\/label><div class='ginput_container ginput_container_number'><input name='input_22' id='input_23_22' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_24\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Minimum monthly percentage<\/li><li id=\"field_23_35\" class=\"gfield gfield--type-number filed-number gf_right_half prc oninput field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_35'>Minimum monthly percentage<\/label><div class='ginput_container ginput_container_number'><input name='input_35' id='input_23_35' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_49\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div id=\"table_error_1\" name=\"table_error_1\" style=\"display: none;\">\n<p id=\"table_error_text_1\" name=\"table_error_text_1\"><\/p>\n<\/div><\/li><li id=\"field_23_40\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Option B: If you pay a fixed amount each month\n<span class=\"arrow\"><\/span><\/li><li id=\"field_23_27\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Fixed Monthly Payment<\/li><li id=\"field_23_34\" class=\"gfield gfield--type-number filed-number gf_right_half oninput field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_34'>Fixed Monthly Payment<\/label><div class='ginput_container ginput_container_number'><input name='input_34' id='input_23_34' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_50\" class=\"gfield gfield--type-html gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div id=\"table_error_2\" name=\"table_error_2\" style=\"display:none;\">\n<p id=\"table_error_text_2\" name=\"table_error_text_2\"><\/p>\n<\/div><\/li><li id=\"field_23_41\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >RESULTATS\n<span class=\"arrow\"><\/span><\/li><li id=\"field_23_43\" class=\"gfield gfield--type-html gf_right_half half_space gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><\/li><li id=\"field_23_45\" class=\"gfield gfield--type-html gf_right_half qurater_space center_text gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Option A<\/li><li id=\"field_23_44\" class=\"gfield gfield--type-html gf_right_half qurater_space center_text gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Option B<\/li><li id=\"field_23_30\" class=\"gfield gfield--type-html gf_left_half pad-left half_space gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Time to pay off<\/li><li id=\"field_23_33\" class=\"gfield gfield--type-number filed-number gf_right_half hide_dollar qurater_space field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_33'>Time to pay off (Option A)<\/label><div class='ginput_container ginput_container_number'><input name='input_33' id='input_23_33' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_46\" class=\"gfield gfield--type-number filed-number gf_right_half hide_dollar qurater_space field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_46'>Time to pay off (Option B)<\/label><div class='ginput_container ginput_container_number'><input name='input_46' id='input_23_46' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_28\" class=\"gfield gfield--type-html gf_left_half pad-left half_space gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Interest paid<\/li><li id=\"field_23_32\" class=\"gfield gfield--type-number filed-number gf_right_half qurater_space field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_32'>Interest paid (Option A)<\/label><div class='ginput_container ginput_container_number'><input name='input_32' id='input_23_32' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_47\" class=\"gfield gfield--type-number filed-number gf_right_half qurater_space field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_47'>Interest paid (Option B)<\/label><div class='ginput_container ginput_container_number'><input name='input_47' id='input_23_47' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_29\" class=\"gfield gfield--type-html gf_left_half pad-left half_space gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Total paid<\/li><li id=\"field_23_42\" class=\"gfield gfield--type-number filed-number gf_right_half qurater_space field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_23_42'>Total paid (Option A)<\/label><div class='ginput_container ginput_container_number'><input name='input_42' id='input_23_42' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_23_48\" class=\"gfield 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attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06ca9af newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06ca9af\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e7c404\" data-id=\"6e7c404\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d862456 elementor-widget elementor-widget-text-editor\" data-id=\"d862456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>A few tips to make it easier to manage your personal budget:<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-829aa66 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"829aa66\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f6adc6\" data-id=\"6f6adc6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43fdc55 newdesign-speclist elementor-widget elementor-widget-text-editor\" data-id=\"43fdc55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n \t<li>Pay off the full balance owed. If this isn\u2019t possible, always make the minimum payment.<\/li>\n \t<li>Prioritize payments to the credit card with the highest interest rate.<\/li>\n \t<li>Be aware of the balance owed and interest charges.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-86ccf75\" data-id=\"86ccf75\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ccc53b newdesign-speclist elementor-widget elementor-widget-text-editor\" data-id=\"1ccc53b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"4\"><li>Limit the number of credit cards.<\/li><li>Pay cash as much as possible in order to limit the use of credit cards.<\/li><li>Consult a professional to develop a reimbursement strategy that meets your budget.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-130f5e0 newdesign-darktext-small elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"130f5e0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-86c1ebf\" data-id=\"86c1ebf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44b581a elementor-widget elementor-widget-text-editor\" data-id=\"44b581a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>How to pay off your credit cards?<\/strong><\/h6><p>If the amount to pay on your credit cards is bothering you, <strong>we would be happy to help you and reassure you.<\/strong> Since there is a solution to all financial problems, our role consists of finding the one that suits you in order to implement it and free you of your debts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1594e7a\" data-id=\"1594e7a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59c4e61 elementor-widget elementor-widget-text-editor\" data-id=\"59c4e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>Other credit card impacts<\/strong><\/h6>\n<ul>\n \t<li>The total balance of your credit cards is taken into account when you request a loan from a financial institution or other lenders.<\/li>\n \t<li>Poor use of credit cards could have an impact on your credit report.<\/li>\n \t<li>The credit company could require total reimbursement of your debt at any time. While such measures are rarely taken, they are still possible.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6c3dee newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6c3dee\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d20253f\" data-id=\"d20253f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e27727a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e27727a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6d9ea8b\" data-id=\"6d9ea8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e0757a elementor-widget elementor-widget-text-editor\" data-id=\"5e0757a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Why pay attention to credit card interest rates?<\/h2><p>\u00a0<\/p><p>If you have several credit cards and you don\u2019t pay off your balance each month, your purchases may be more expensive than you anticipated. Accumulating interest charges may increase the balance and your debt level.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72746f9 newdesign-toggle elementor-widget elementor-widget-toggle\" data-id=\"72746f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1201\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1201\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How much will your purchases cost you?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1201\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1201\"><p>You can figure out the amount a purchase will cost you if you only make the minimum payment on your credit cards. In just a few seconds, our interest calculator will show you the real cost of your purchases.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2541c1d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2541c1d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7477a74\" data-id=\"7477a74\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2828a4 elementor-widget elementor-widget-template\" data-id=\"e2828a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"page\" data-elementor-id=\"10492\" class=\"elementor elementor-10492\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fee346d stop-popup block-gradient-stats block-stats newdesign-paletext elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fee346d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c66b500\" data-id=\"c66b500\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b20c007 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"b20c007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"36\" viewBox=\"0 0 36 36\" fill=\"none\">\n  <path d=\"M32.3616 18.4246C32.3616 10.6896 26.0966 4.42456 18.3616 4.42456C10.6266 4.42456 4.36157 10.6896 4.36157 18.4246C4.36157 26.1596 10.6266 32.4246 18.3616 32.4246C26.0966 32.4246 32.3616 26.1596 32.3616 18.4246ZM35.8616 18.4246C35.8616 28.0846 28.0216 35.9246 18.3616 35.9246C8.70157 35.9246 0.861572 28.0846 0.861572 18.4246C0.861572 8.76456 8.70157 0.924561 18.3616 0.924561C28.0216 0.924561 35.8616 8.76456 35.8616 18.4246ZM14.8616 14.0496C14.8616 15.4496 13.6366 16.6746 12.2366 16.6746C10.8366 16.6746 9.61157 15.4496 9.61157 14.0496C9.61157 12.6496 10.8366 11.4246 12.2366 11.4246C13.6366 11.4246 14.8616 12.6496 14.8616 14.0496ZM27.1116 14.0496C27.1116 15.4496 25.8866 16.6746 24.4866 16.6746C23.0866 16.6746 21.8616 15.4496 21.8616 14.0496C21.8616 12.6496 23.0866 11.4246 24.4866 11.4246C25.8866 11.4246 27.1116 12.6496 27.1116 14.0496ZM18.3616 27.5771C15.2991 27.5771 12.6041 26.2996 11.0291 24.4096L13.5141 21.9246C14.3016 23.1846 16.1741 24.0771 18.3616 24.0771C20.5491 24.0771 22.4216 23.1846 23.2091 21.9246L25.6941 24.4096C24.1191 26.2996 21.4241 27.5771 18.3616 27.5771Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3bc8a2 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"c3bc8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">satisfied clients<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"140000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> +<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-04c69ad\" data-id=\"04c69ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb926e6 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"eb926e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"36\" viewBox=\"0 0 26 36\" fill=\"none\">\n  <path d=\"M12.9529 0.924561C19.8457 0.924561 25.4529 6.41956 25.4529 13.1746C25.4529 22.3621 12.9529 35.9246 12.9529 35.9246C12.9529 35.9246 0.452881 22.3621 0.452881 13.1746C0.452881 6.41956 6.06002 0.924561 12.9529 0.924561ZM10.2207 21.9246L21.8815 10.3921L19.3815 7.92456L10.2207 16.9896L6.52431 13.3321L4.02431 15.7996L10.2207 21.9246Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-facaf51 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"facaf51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">in Ontario, Quebec &amp; New Brunswick <\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ offices<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c443cb2\" data-id=\"c443cb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c7720d elementor-widget elementor-widget-jet-inline-svg\" data-id=\"0c7720d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" viewBox=\"0 0 33 32\" fill=\"none\">\n  <path d=\"M23.0123 21.2L27.0956 23.904L26.0248 25.856L20.8707 22.4V14.4H23.0123V21.2ZM32.2926 20.8C32.2926 26.992 27.8238 32 22.2984 32C18.9004 32 15.9164 30.096 14.1032 27.2H5.16554V14.4H0.882324L15.1597 0L25.1539 10.064C29.2801 11.44 32.2926 15.728 32.2926 20.8ZM29.4371 20.8C29.4371 16.384 26.239 12.8 22.2984 12.8C18.3578 12.8 15.1597 16.384 15.1597 20.8C15.1597 25.216 18.3578 28.8 22.2984 28.8C26.239 28.8 29.4371 25.216 29.4371 20.8Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faa6f9 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"4faa6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">of service in the insolvency sector<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ years<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ca82d81\" data-id=\"ca82d81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdce2b7 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"bdce2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"34\" viewBox=\"0 0 36 34\" fill=\"none\">\n  <path d=\"M32.7064 17.5152L35.2192 20.4206L23.4987 34L17.2705 26.7879L19.7833 23.8824L23.4987 28.1685L32.7064 17.5152ZM12.7833 26.7879L18.168 32.9697H0.219238V28.8485C0.219238 24.2945 6.64488 20.6061 14.5782 20.6061L17.9705 20.8327L12.7833 26.7879ZM14.5782 0C18.5449 0 21.7577 3.68848 21.7577 8.24242C21.7577 12.7964 18.5449 16.4848 14.5782 16.4848C10.6115 16.4848 7.39873 12.7964 7.39873 8.24242C7.39873 3.68848 10.6115 0 14.5782 0Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9293080 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"9293080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">acceptance rate of our consumer proposal<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"98\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> %<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Understanding credit cards and their interest rates What do credit cards really cost? Credit cards have become practically indispensable today. Used with discipline, they are a positive payment tool for daily shopping, making larger purchases, accumulating reward points and even building a credit history. However, inappropriate use of credit cards can lead to harmful impacts [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-3673","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Real cost of credit cards | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"Discover the real cost of credit cards with advice from a Ginsberg Gingras Licensed Insolvency Trustee.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/real-cost-of-credit-cards\/\" 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