While most of us use it almost every day, credit remains a mystery for many people. On this episode of My Financial Life, host Kirk Lapointe, editor-in-chief of Business in Vancouver and adjunct professor at the UBC School of Journalism, speaks to Terry Tan, branch manager for BMO, about personal credit. This episode of My Financial Life is brought to you by the BMO alumni UBC Mastercard. Reward yourself and support valued programs and services for the global alumni community every time you use it. Find out more at alumni.ubc.ca/bmo.