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1 in 4 Canadians Can Only Afford the Minimum Payment on Their Credit Card

  Published August 24, 2026 · Canadian Money Brief A new survey from Equifax Canada puts a hard number on something a lot of us have felt creeping up all year: credit cards are doing more of the heavy lifting in Canadian budgets, and fewer people are paying them off. Of more than 1,500 Canadians surveyed, a quarter said they expect to make only the minimum monthly payment on their credit card, and another 7% think they'll fall behind entirely. That leaves just over half — 56% — who expect to pay their balance in full each month. The survey also found that 40% of respondents are spending more overall than they were a year ago, more than double the 18% who say they're spending less. Nearly 3 in 10 said they're leaning more heavily on credit cards to cover essentials like groceries and utilities, and close to a quarter are dipping into savings to keep up with everyday costs. More than a third have cut back on contributions to savings, investments, or education funds to make ro...
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Ontario Doctor Battles $600K COVID-19 Billing Repayment in Court

 

Dr. Elaine Ma, right, administers a dose to a patient during a drive-thru COVID-19 vaccination clinic at St. Lawrence College in Kingston, Ont., on Jan. 2, 2022.

A Kingston family physician, Dr. Elaine Ma, is challenging a provincial order requiring her to repay more than $600,000 to Ontario’s Health Insurance Plan (OHIP) over alleged improper billing tied to COVID-19 vaccinations.

Dr. Ma, widely recognized for her role in organizing drive-through vaccination clinics during the height of the pandemic, administered shots to thousands of residents at sites such as St. Lawrence College and Richardson Stadium. Her efforts earned her praise as a “hero” and an Award of Excellence from the Ontario College of Family Physicians in 2021.

However, provincial auditors later determined that her clinics did not meet OHIP’s billing requirements. Officials allege she billed 21 times the eligible payment amounts, leading to a repayment order of approximately $600,962.61 plus interest for services provided between July 2021 and January 2022.

Dr. Ma has since filed for a judicial review in Ontario’s Divisional Court, arguing that the repayment order is unfair given the extraordinary circumstances of the pandemic and the urgent need for mass vaccination. She has expressed uncertainty about the consequences if repayment is not made, noting that her billings could be garnished.

The case highlights the tension between frontline medical efforts during the pandemic and the province’s strict billing rules. While Dr. Ma’s clinics vaccinated more than 27,000 people, the Ministry of Health maintains that proper procedures were not followed. The outcome of the court review could set a precedent for how Ontario handles similar disputes involving pandemic-era medical services.

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