Google Translate Disclaimer

A number of pages on the Government of Saskatchewan`s web site have been professionally translated in French. These translations are identified by a yellow text box that resembles the link below and can be found in the right hand rail of the page. The home page for French-language content on this site can be found here:

Renseignements en Français

Where an official translation is not available, Google™ Translate can be used. Google™ Translate is a free online language translation service that can translate text and web pages into different languages. Translations are made available to increase access to Government of Saskatchewan content for populations whose first language is not English.

The results of software-based translation do not approach the fluency of a native speaker or possess the skill of a professional translator. The translation should not be considered exact, and may include incorrect or offensive language Government of Saskatchewan does not warrant the accuracy, reliability or timeliness of any information translated by this system. Some files or items cannot be translated, including graphs, photos, and other file formats such as portable document formats (PDFs).

Any person or entities that rely on information obtained from the system does so at his or her own risk. Government of Saskatchewan is not responsible for any damage or issues that may possibly result from using translated website content. If you have any questions about Google™ Translate, please visit: Google™ Translate FAQs.

Credit Cards 101 – Tips For Students

Released on January 29, 2019

The Financial and Consumer Affairs Authority (FCAA) is offering advice to students about credit card usage to help them responsibly use their first credit card.  When used responsibly, a credit card can help build good credit history which is important when it’s time to buy a car or a house.

“Making late credit card payments or skipping them will seriously harm your credit rating,” FCAA’s Consumer Credit Division Director Cory Peters said.  “It’s important to always make your minimum payment on time.  Better yet, if you always pay the full balance on time you can avoid interest charges entirely.”

Keep the following tips in mind when getting a credit card:
  • Always make your minimum payment on time – At the very least, make the minimum payment by the due date and to avoid interest charges, pay off the full balance on time.
  • Don’t share your PIN – If something happens to your account and you’ve given someone your PIN, you are on the hook.
  • Avoid cash advances - There often is a fee associated with this and interest is charged immediately.
  • Read your statement – Make sure your transactions recorded in the statement are accurate and check for any fraudulent and unauthorized charges.  Fraudsters can sometimes gain access to your card without you noticing it.
  • It’s not free cash – If you can’t afford to pay it off right away, think twice before buying something with your credit card.  Not all credit cards are the same, offering different interest rates, fees and rewards.  Make sure to research which one is the right fit for you.
For more helpful information on credit card usage, visit


For more information, contact:

Shannon McMillan
Financial and Consumer Affairs Authority
Phone: 306-798-4160

We need your feedback to improve Help us improve