Maintaining a Healthy Credit Score

*Please note that this is a sponsored post with Capital One Canada – our disclosure can be found at all times by clicking here.

As a young adult, I can honestly say that watching television reflected heavily on the idea of credit cards. There was a new glamorous lifestyle a young professional could have once they got their first credit card. There are, of course, glamorous aspects of having a credit card, like having that extra sense of security in case of emergency or being able to treat yourself once in a while to that extra special gift. When you get your first credit card, it’s likely you’ll be applying for credit cards with no credit history. You might not be accepted for all of the credit cards you apply for because of your lack of credit. Apply for cards designed for a first time user looking to build credit and start a healthy credit history. But there are some things we young adults need to be made aware of in order to keep a healthy credit and not spiral into a fluster of debt. If you are in this situation right now, you are not alone! There are many people out there who struggle financially, but with the knowledge of sites like that exist, hopefully soon, you’ll be able to find a solution to managing your finances effectively and get your financial life back on track. On the other hand, having a bad credit score is not the end of the world, especially when you know that companies such as exist, who can help you out when it comes to maintaining and repairing your credit score. We all make mistakes at the end of the day, so there is nothing to be ashamed of when it comes to your financial situation. That is definitely also the case for people who aspire for multiple credit cards. Many people don’t really understand How to use multiple credit cards, but if there is one absolute formality, it’s that you need to be financially stable and with good credit in order to have more than one credit card.

Trust me when I say, when I got my first credit card, I thought it was so chic and “treated” myself to a few too many nice pieces. Now that I have been working a stable full-time job and learning the balance of using both my debit and credit cards for specific expenses, I think I finally found the right formula to keep me from making the same mistake I made in my late teens.

Thanks to Capital One Canada and their new #CreditKeeper tool (click here to read all about it from Daniel’s perspective), it’s easier than ever to understand what your credit score means and what exactly impacts your score. Since the launch, Capital One has continued to add new features to Credit Keeper* such as the Key Factors tool which allows users to monitor their score and see how their score changes over time. And who doesn’t like a little bit of positive encouragement every now and again? Staying on top of minimum payments and making sure you aren’t spending excessively are key parts of the formula.

Please note: this score has been simulated to show the features offered with Credit Keeper by Capital One.

I have found that the most difficult part of starting my credit card journey was to actually be brave enough to log in to my banking and credit apps, to face the problem head on. I know it sounds silly, but sometimes we get ourselves stuck into unknown territory and need a reality check. I needed the confidence to own up to my issues and understand how to make positive changes.

Trust me and learn from my mistakes – taking the courage to log into your accounts and take responsibility for your credit is not only the smartest way to make a problem you don’t want to face easier, but also a step that will benefit you from making major credit mistakes down the road. Don’t be afraid to utilize the resources available to you, like Capital One’s Credit Keeper tool to build a strong foundation for the future ahead!

For more information on Credit Keeper and planning your future, make sure to check out

Of course, I encourage you to join the social media conversation while learning more about your credit options by following @CapitalOneCA on Twitter and Instagram, and @CapitalOneCanada on Facebook. For more behind the scenes information and other amazing brands we are working with globally, make sure to follow along with the #DoTheDaniel Instagram account. We would love to have you join us on our adventures!

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Photos: All social media accounts listed above, Capital One Canada, Aram Eginliyan & Daniel Reyes

Cheers from the 6ix,


Mobile photos are always taken on my NEW Huawei P10 Plus

* Credit Keeper is a service offered by Capital One and is powered by credit history and score information provided by TransUnion. Availability may vary depending on the ability to verify your identity and obtain your information from TransUnion. The credit score provided by Credit Keeper is intended for your educational use only. Lenders and other commercial users may use a different type of credit score and other information when making credit decisions. Currently, Credit Keeper isn’t available for Capital One customers who live in the province of Quebec, or who have a Capital One Mastercard exclusively for Costco members.