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CRA Tax Adjustment Delays Now Stretch Up to 47 Weeks — Here's How to Avoid Getting Stuck

   July 12, 2026   If you've ever filed a request to correct or update your tax return and then waited... and waited... you're not imagining it. Canada's Taxpayers' Ombudsperson has confirmed that some Canada Revenue Agency (CRA) adjustment requests are now taking nearly a year to process — and it's launched a formal investigation into why. What's Actually Happening When you need to change something on a tax return you've already filed — say you forgot a slip, need to update a deduction, or want to claim a credit you missed — you submit what's called a T1 adjustment request. The CRA sorts these into two speeds: Routine requests (filed online through your CRA My Account or certified tax software) have a service standard of just 2 weeks . By phone or mail, the standard is 8 weeks. Complex requests — where the CRA needs more documentation or a deeper review — carry a service standard of 20 weeks . The problem: the CRA isn't hitting even its own "...
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Unlocking the World: 5 Essential Tips for First-Time Travel Credit Card Users

 

Stepping into the world of travel credit cards can be both exciting and overwhelming. If you’re new to this, here are five key things you need to know to make the most of those enticing perks:

  1. Understand Your Credit Score: Before applying for a travel credit card, it’s crucial to check your credit score. A good score increases your chances of approval and access to better rewards. If your score needs improvement, consider building it up with a secured or student credit card first.

  2. Match the Card to Your Travel Goals: Different travel credit cards offer various perks, from points for flights and hotels to free checked baggage and lounge access. Think about your travel habits and goals to choose a card that aligns with your needs.

  3. Be Aware of Fees: Many travel credit cards come with annual fees. While these fees can be offset by the rewards and benefits, it’s important to ensure that the perks you receive are worth the cost.

  4. Maximize Your Rewards: To get the most out of your travel credit card, use it for everyday purchases to accumulate points or miles. Pay attention to bonus categories where you can earn extra rewards, such as dining, travel, or groceries.

  5. Know the Redemption Options: Understanding how to redeem your points or miles is essential. Some cards offer flexible redemption options, while others may have restrictions or blackout dates. Choose a card that offers the most convenient and valuable redemption options for you.

By keeping these tips in mind, you can navigate the world of travel credit cards with confidence and start enjoying the perks that come with them. Happy travels!


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