The Globe and Mail reports in its Tuesday edition that more companies are pushing the limits of consumer credit, promising new opportunities for increased consumption. Guest columnist Claire Célérier writes that in doing so, they are targeting increasingly vulnerable groups. This is a cause for concern, particularly as traditional Canadian banks begin bringing these so-called innovations to their customers. A striking example is the recent partnership between Bank of Nova Scotia and the financial tech player Casa. Their pitch is to make rent payments more rewarding by offering a zero-fee credit card that allows people to earn points by paying their rent. At first glance, it seems very attractive. Casa promises zero costs to landlords by receiving the credit-card payments and pays the interchange fee, while transferring the money to landlords at no charge. In this case, credit-card users, who must handle recurring large payments for rent, will also run the dual risk of high interest rates on large unpaid balances and penalties for late payments. On average, customers pay 20-per-cent interest on unpaid credit-card balances, while late-payment fees are in the range of $25 to $35. This naturally benefits Scotiabank.