Most government departments offer this service, as well as many companies. If you send money outside Canada, don't send cash. Use a certified cheque or money order. Ask your bank about these options. Applying for credit Getting credit means that you borrow money to buy something now and pay it back later, with interest.
Interest is the fee charged for using the money.
Interest rates can be quite high, so you should be very careful how you use credit. You can apply for credit cards at banks and trust companies. These cards allow you to buy items on credit and be billed for them within a month. If you pay the full amount back by the due date, you won't be charged any interest. If you borrow any money on credit, make sure you understand exactly when you have to pay it back and how much it will cost.