Think a 21% interest rate sounds high. Try 24.99%.

http://business.financialpost.com/2015/02/20/why-slipping-on-your-credit-card-payments-is-about-to-cost-you-big-or-bigger-bucks/

Credit card holders who miss two minimum payments will now get dinged with a higher interest rate on their next bill as Canadian banks begin to crack down on customers in arrears.

Questions on positioning your mortgage application to get the best mortgage or consolidating your outside debts into your exisiting mortgage?

Contact The Angela Calla Mortgage Team personally at 604-802-3983 callateam@dominionlending.ca