started a side gig that’s doing well, around $3-4k a month, mostly cash. i’m covering some expenses with it (groceries, kid’s activities, etc) but looking for a credit card i can pay off in person with cash.
right now, i use the rogers world elite cc, but they don’t offer in-person cash payments.
heard you can pay off a walmart cc at walmart or a triangle cc at canadian tire – is that true?
with my 9-5 income of around $120k, what’s the best card i should get?
if your goal here is tax avoidance, just know this approach won’t work. CRA can trace cash payments toward credit cards, so you’ll still have to explain your income source if it gets flagged.
i’ll assume you’re just asking for convenience reasons, though.
@Dare
yep, CRA knows these tricks. algorithms can easily catch inconsistencies – they analyze spending vs. declared income, location costs, etc. anyone thinking they’re smarter than the CRA usually ends up with a bigger bill.
any tax return is a legal declaration, so it’s serious.
triangle card at canadian tire is a solid choice for cash payments. you can pay up to $9999 at the customer service desk, and they tend to offer high limits quickly.
Kerr said:
check with your bank – some branches let you make in-person payments. i used to pay mine at a credit union back in uni with the statement voucher.
my first card was with CIBC. i’d go in with cash and ask them to call in the payment, so credit was available immediately.
