Lucianna Adragna

Vice President of Client Segments & Everyday Banking, RBC, Royal Bank of Canada

Search every verified Lucianna Adragna interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Lucianna Adragna, Vice President of Client Segments & Everyday Banking at RBC, appeared on BNN Bloomberg on November 3, 2026, to discuss credit score misconceptions among Canadian students. She noted that RBC research found more than one in five students aged 18 to 24 either lack a credit score or are unaware of what it is. Adragna described a "credit ghost" as someone without a score or who does not understand how it works, and addressed the myth that carrying a balance improves a credit score, stating that this is not true. Adragna also explained that building credit takes time and that lenders prefer to see a credit history developed over years, which is why starting early is important for future borrowing, such as for a mortgage. She mentioned that students are reaching milestones like renting an apartment, which can be impacted by credit history. Adragna advised using tools such as RBC's credit view dashboard and credit simulator, and noted that checking one's own score does not negatively impact it, contrary to some beliefs.