{"@context":"https:\/\/schema.org\/","@type":"CollectionPage","@id":"https:\/\/rkillen.ca\/category\/credit\/#CollectionPage","headline":"Credit Category","description":"","url":"https:\/\/rkillen.ca\/category\/credit\/","hasPart":[{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/how-to-handle-lingering-holiday-credit-card-debt-what-to-do-before-it-gets-worse\/","headline":"How to Handle Lingering Holiday Credit Card Debt – What to Do Before It Gets Worse","url":"https:\/\/rkillen.ca\/how-to-handle-lingering-holiday-credit-card-debt-what-to-do-before-it-gets-worse\/","datePublished":"2026-01-27","dateModified":"2025-12-17","mainEntityOfPage":"https:\/\/rkillen.ca\/how-to-handle-lingering-holiday-credit-card-debt-what-to-do-before-it-gets-worse\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/How-to-Handle-Lingering-Holiday-Credit-Card-Debt.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/How-to-Handle-Lingering-Holiday-Credit-Card-Debt.jpg","height":1000,"width":1499},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/holiday-debt-relief-tips-to-kickstart-2026-right\/","headline":"Holiday Debt Relief Tips to Kickstart 2026 Right","url":"https:\/\/rkillen.ca\/holiday-debt-relief-tips-to-kickstart-2026-right\/","datePublished":"2026-01-20","dateModified":"2026-01-20","mainEntityOfPage":"https:\/\/rkillen.ca\/holiday-debt-relief-tips-to-kickstart-2026-right\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/Kickstart-2026-Right.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/Kickstart-2026-Right.jpg","height":1000,"width":1439},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/avoiding-the-january-credit-card-hangover-7-steps-to-stay-debt-free-this-holiday\/","headline":"Avoiding the January Credit Card Hangover: 7 Steps to Stay Debt-Free This Holiday","url":"https:\/\/rkillen.ca\/avoiding-the-january-credit-card-hangover-7-steps-to-stay-debt-free-this-holiday\/","datePublished":"2025-12-30","dateModified":"2025-12-17","mainEntityOfPage":"https:\/\/rkillen.ca\/avoiding-the-january-credit-card-hangover-7-steps-to-stay-debt-free-this-holiday\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/January-Credit-Card-Hangover.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/12\/January-Credit-Card-Hangover.jpg","height":1000,"width":1333},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/is-holiday-credit-card-debt-pushing-you-over-the-limit\/","headline":"Is Holiday Credit Card Debt Pushing You Over the Limit?","url":"https:\/\/rkillen.ca\/is-holiday-credit-card-debt-pushing-you-over-the-limit\/","datePublished":"2025-12-16","dateModified":"2025-11-24","mainEntityOfPage":"https:\/\/rkillen.ca\/is-holiday-credit-card-debt-pushing-you-over-the-limit\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/11\/Holiday-credit-card-debt.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/11\/Holiday-credit-card-debt.jpg","height":1000,"width":1497},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/understanding-the-psychology-of-credit-card-spending-what-ontario-consumers-need-to-know\/","headline":"Understanding the Psychology of Credit Card Spending \u2013 What Ontario Consumers Need to Know","url":"https:\/\/rkillen.ca\/understanding-the-psychology-of-credit-card-spending-what-ontario-consumers-need-to-know\/","datePublished":"2025-11-17","dateModified":"2025-11-17","mainEntityOfPage":"https:\/\/rkillen.ca\/understanding-the-psychology-of-credit-card-spending-what-ontario-consumers-need-to-know\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/11\/the-Psychology-of-Credit-Card-Spending.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/11\/the-Psychology-of-Credit-Card-Spending.jpg","height":1000,"width":1499},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/how-to-get-out-of-a-car-loan-in-canada-when-youre-struggling\/","headline":"How to Get Out of a Car Loan in Canada When You\u2019re Struggling","url":"https:\/\/rkillen.ca\/how-to-get-out-of-a-car-loan-in-canada-when-youre-struggling\/","datePublished":"2025-07-11","dateModified":"2025-06-26","mainEntityOfPage":"https:\/\/rkillen.ca\/how-to-get-out-of-a-car-loan-in-canada-when-youre-struggling\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adminrkillen\/#Person","name":"R. Killen","url":"https:\/\/rkillen.ca\/author\/adminrkillen\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/291a08cd2df156bf4f7bceb09e15cda94bbf15ef7e70c7db3a538bde0c4a0230?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/07\/How-to-Get-Out-of-a-Car-Loan-in-Canada-When-Youre-Struggling.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2025\/07\/How-to-Get-Out-of-a-Car-Loan-in-Canada-When-Youre-Struggling.jpg","height":1000,"width":1333},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/how-popular-is-credit-counselling-in-toronto\/","headline":"How Popular Is Credit Counselling in Toronto","url":"https:\/\/rkillen.ca\/how-popular-is-credit-counselling-in-toronto\/","datePublished":"2024-10-09","dateModified":"2024-10-02","mainEntityOfPage":"https:\/\/rkillen.ca\/how-popular-is-credit-counselling-in-toronto\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adrian\/#Person","name":"Adrian","url":"https:\/\/rkillen.ca\/author\/adrian\/","identifier":11,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2024\/10\/credit-counseling-in-toronto.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2024\/10\/credit-counseling-in-toronto.jpg","height":667,"width":1000},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/getting-a-secured-credit-card-to-restore-your-credit-rating\/","headline":"Getting a Secured Credit Card to Restore Your Credit Rating","url":"https:\/\/rkillen.ca\/getting-a-secured-credit-card-to-restore-your-credit-rating\/","datePublished":"2024-03-31","dateModified":"2024-04-19","mainEntityOfPage":"https:\/\/rkillen.ca\/getting-a-secured-credit-card-to-restore-your-credit-rating\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adrian\/#Person","name":"Adrian","url":"https:\/\/rkillen.ca\/author\/adrian\/","identifier":11,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2024\/03\/restore_credit_rating_240435082_S.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2024\/03\/restore_credit_rating_240435082_S.jpg","height":650,"width":1000},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/how-to-deal-with-creditors-during-the-coronavirus-financial-crisis\/","headline":"How to Deal with Creditors during the Coronavirus Financial Crisis","url":"https:\/\/rkillen.ca\/how-to-deal-with-creditors-during-the-coronavirus-financial-crisis\/","datePublished":"2020-05-04","dateModified":"2023-04-26","mainEntityOfPage":"https:\/\/rkillen.ca\/how-to-deal-with-creditors-during-the-coronavirus-financial-crisis\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adrian\/#Person","name":"Adrian","url":"https:\/\/rkillen.ca\/author\/adrian\/","identifier":11,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/05\/corona50.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/05\/corona50.jpg","height":502,"width":753},"keywords":null},{"@type":"BlogPosting","@id":"https:\/\/rkillen.ca\/is-your-canada-emergency-response-benefit-cerb-safe-from-wage-garnishment\/","headline":"Is Your Canada Emergency Response Benefit (CERB) Safe from Wage Garnishment","url":"https:\/\/rkillen.ca\/is-your-canada-emergency-response-benefit-cerb-safe-from-wage-garnishment\/","datePublished":"2020-04-24","dateModified":"2024-04-15","mainEntityOfPage":"https:\/\/rkillen.ca\/is-your-canada-emergency-response-benefit-cerb-safe-from-wage-garnishment\/","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/adrian\/#Person","name":"Adrian","url":"https:\/\/rkillen.ca\/author\/adrian\/","identifier":11,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/83c9d81e4aa2dc5936e06b9059fd4e195f1f91bcd60ccfc5e28f98dd86bae8b8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/04\/49641788701_2c836256ef_o.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/04\/49641788701_2c836256ef_o.jpg","height":502,"width":666},"keywords":null}]}