Get It on Credit, Toronto's third album, was released in 1982. Both Nick Costello and Jim Fox left the band prior to this release, to be replaced by Gary LaLonde and Barry Connors, respectively. LaLonde later joined Honeymoon Suite, while Connors went on to work with Toronto-based quartet Coney Hatch.
The CD release features two bonus tracks that did not make the cut for the original album: "What About Love" and "Across the Border". "What About Love" was later recorded by Heart and would become a Top 10 hit on the Billboard charts.