Francesca Treñas

Francesca Treñas is an editor, journalist, and the Content Manager at Neo. Her work has appeared in premier Canadian and international publications including Chatelaine, FASHION, and Vogue Philippines.

Latest Blog Posts By Francesca Treñas

Three people in a shared office, researching payday loan alternatives in Canada

Considering a payday loan? Look into these alternatives first

A person using a computer at their work desk, learning about the differences between cash advance vs overdraft vs payday loans in Canada

Cash advance vs. payday loan vs. overdraft: What’s the difference?

A person with the Neo Build membership loading groceries into their car while using credit building tools via the Neo app on their phone

Neo Build: What it is and how it helps you build credit

Three teens walking side-by-side on a sunny day, trying to find out what age they can get a credit card in Canada

At what age can you get a credit card in Canada?

Four friends smiling as they hang out on a couch, talking about whether they can get credit cards as international students in Canada

Can international students get a credit card in Canada?

How to open a bank account as an international student in Canada: A student standing in front of an ATM

How to open a bank account when you’re an international student in Canada

A person sitting with their back against a wall, research "what is a cash advance" on their computer

What is a cash advance? Here’s how this short-term loan works in Canada

A person sits in their living room, comparing a Neo prepaid card and a Neo secured credit card.

Secured Credit Cards vs. Prepaid Cards: What’s the difference?

A person sitting on a park bench with a phone in their hands, checking their available credit on their banking app

What does available credit mean?

A Canadian checking their banking app on their phone, confused by the meaning of "outstanding balance" on their credit card

What is an outstanding balance on a credit card?

Five students in school uniforms, sitting side by side with apples in hand, wondering if they qualify for OSAP eligibility in Ontario

OSAP: Who qualifies, how much you get, and what to do when it falls short

Neo Shop & Dine vs. Simplii: A group of friends gathered around a dining table at a restaurant, using the best dining credit card in Canada

Neo vs. Simplii: Find the best credit card for restaurants & retail purchases

A person using the Neo app on their smartphone to check how they can get a secured credit card limit increase in Canada

Yes, you can get a secured credit card limit increase. Here’s how

A businessman lying upside down on a pile of scattered paperwork, wondering what a statement balance means on a credit card statement

What does “statement balance” mean on your credit card?

Two credit cards on a ceramic plate, between a set of utensils—a visual representation of the question: Does paying your credit card twice a month help with your credit score?

Does paying your credit card twice a month help your credit score?

A person burying their face in a book, wondering why their credit score dropped in Canada

Why did my credit score suddenly drop?

A person tapping to pay at a restaurant using the secured version of the Neo Mastercard, one of the best secured credit cards in Canada

The best secured credit cards in Canada: A 2026 guide

Two people lounging on a sofa. One person rests their head on the other's lap while holding up a digital tablet with information about joint account tax implications in Canada

Joint account tax implications in Canada: Who pays what to the CRA?

Six people sitting in a row, each one whispering into the next person's ear, symbolizing why Canadians lie about credit scores

What's your credit score? Why most Canadians won't answer honestly

A person fuels up their car at a gas station, a transaction that can unlock cashback if paid for with the best gas credit card in Canada

These credit cards earn the most cashback on gas in Canada

A person in a work setting using their laptop while talking on the phone to somebody about how to increase their credit card limit in Canada

How to increase your credit card limit in Canada

Two friends walking alongside their bicycles, discussing the pros and cons of the Wealthsimple credit card vs. Neo Everywhere card

Wealthsimple Credit Card vs. Neo Everywhere: Which flat-rate cashback card wins?

A rear-view shot of four young adults walking up a wide, rustic metal staircase outdoors on a sunny day, symbolizing the step-by-step progress of using secured credit cards to build credit in Canada.

Do secured credit cards actually build credit?

A person grocery shopping and tracking their spending on a smartphone app, highlighting how Neo cash back credit cards in Canada reward everyday purchases.

Find the best Neo cashback credit card for your lifestyle

A sleek black credit card sitting on a wooden table next to a keychain featuring a money bag charm and an airplane charm, representing cash back versus travel rewards.

Cashback vs. travel rewards credit cards: Which is better for you?