Understanding Credit Without Fear or Confusion

Credit can feel intimidating when no one has taken the time to explain it clearly.

In this podcast episode Sabiha Mukadam, breaks down how credit works in Canada and shares some simple habits that can help you use it with more confidence and less stress.

She covers:

The difference between a credit report and a credit score

Why credit is borrowed money—not extra income

How to build credit without carrying debt

Why paying on time matters so much

How credit utilization affects your score

Common credit myths that can cost you money

What to consider before using Buy Now, Pay Later

How to start rebuilding if your credit has been hurt

The goal is not to encourage you to borrow more.