web.koho.ca/referral/PHMCM8RA   👈

4 Months free "Everything Membership" (EVERYTHING MEMBERSHIP includes highest cashback return percentage as well as discounted prices on services like: Credit Building and more)

@FenrisWulf + KOHO

Personally my favorite feature is the "Cover" feature. For just $5 a month KOHO will spot you >$50(if this is the most coverage offered[like me] you will have a chance to get an increase on the limit..which I just did today. KOHO now covers me for up to $150 to help prevent any possible NSF fee in case you have no overdraft protection (or want overdraft protection that is cheaper than most banks 😉) [^^Is not my writing, but KOHOs, but everything after the above paragraph is my own words, I do truly beleive) KOHO is a bit like a chequing account with the perks of a credit card. Just like a chequing account, you can put money into your KOHO account and then spend that money however you see fit. And like a credit card, you'll get cashback and a other perks, plus you can use your card anywhere Visa is a accepted. Available only in Canada Your credit report will see this as an active credit account: increasing your overall credit limit(meaning keeping your credit card debt below 30% of total limit is easier, as well as the positive impact to your credit rating for having multiple accounts. Also signing up doesn't count as a "Hard" credit check, therefore not negatively impacting your score...there's really no reasons not to get a KOHO membership, since even not memberships(free membership) have cashback benefits and more.