Credit cards on work permit?

**christmasoompa** · Apr 20th 2012, 9:10 am

Quote:

Originally Posted by Mist05

My husband is on a TWP and depending on your salary we found RBC very good and gave him a card without a security deposit, funny he got a credit card before I did and I'm the Canadian, and he's the Brit!

I'm intrigued - if you're Canadian then why on earth is he on a TWP and not a PR?!

Welcome to the forum btw.

Former Lancastrian · Apr 20th 2012, 12:38 pm

Quote:

Originally Posted by christmasoompa

I'm intrigued - if you're Canadian then why on earth is he on a TWP and not a PR?!

Welcome to the forum btw.

Perhaps he wanted to work while application is being processed and PR granted.
•if you want to work in Canada while your application is being processed, you must apply for a regular work permit

**christmasoompa** · Apr 20th 2012, 12:39 pm

Quote:

Originally Posted by Former Lancastrian

Perhaps he wanted to work while application is being processed and PR granted.
•if you want to work in Canada while your application is being processed, you must apply for a regular work permit

Possible, but seeing as it would normally be quicker to get PR then to get a job offer/LMO/TWP, it still seems an odd choice and I'm intrigued!

CanadaJimmy · Apr 20th 2012, 5:34 pm

I gave up trying to get a Credit Card with Credit on my Work Permit a while ago.

Instead I applied for the BMO Travel Mastercard. It's a prepay card and only costs $6.95 every year (previously $9.95 every 3 years). There's no special charges outside of regular credit card fees and you can top it up using Bill Payments from your bank account. The only downside is you can't get the money off once it's on (without paying a $3 fee anyway).

Another alternative is a CIBC Visa Debit card, since to most online merchants they process just like regular Visa. Useful for trips to the US too.

conjonway · Apr 21st 2012, 5:03 am

I got a Visa through Scotiabank after my first 3 months on an IEC visa.

Drawback: limit was $500 (required $500 to be kept 'on hold' in my savings account'. But got it extended to 5k 3 months later (deposit returned), after paying all balances monthly. Have now had another card with NBC approved to 3k.

Another few thousand and its almost worth me running up the bill and ditching the missus with it lol

DoyleLinda · Apr 22nd 2012, 2:23 am

hi, We got two credit cards from CIBC within a couple of months of arrival. Incidentally my OH only got a 1,000 limit and I got 2,000 and he is the one with the LMO and work permit. im on an open permit. We had no problem whatsoever. We also just went in to speak to them about our chances of getting a mortgage this year and they told us once we have minimum 5% down payment we qualify so very satisfied with our bank right now. Good luck.

Apr 20th 2012, 5:34 pm	#19
CanadaJimmy BE Forum Addict Joined: May 2009 Location: Langley, BC Posts: 1,228	Re: Credit cards on work permit? I gave up trying to get a Credit Card with Credit on my Work Permit a while ago. Instead I applied for the BMO Travel Mastercard. It's a prepay card and only costs $6.95 every year (previously $9.95 every 3 years). There's no special charges outside of regular credit card fees and you can top it up using Bill Payments from your bank account. The only downside is you can't get the money off once it's on (without paying a $3 fee anyway). Another alternative is a CIBC Visa Debit card, since to most online merchants they process just like regular Visa. Useful for trips to the US too. __________________ [Trackitt] [Full immigration timeline]

Apr 21st 2012, 5:03 am	#20
conjonway BE Enthusiast Joined: Sep 2010 Posts: 362	Re: Credit cards on work permit? I got a Visa through Scotiabank after my first 3 months on an IEC visa. Drawback: limit was $500 (required $500 to be kept 'on hold' in my savings account'. But got it extended to 5k 3 months later (deposit returned), after paying all balances monthly. Have now had another card with NBC approved to 3k. Another few thousand and its almost worth me running up the bill and ditching the missus with it lol __________________ :: Submitted Dec 28 2011, Sponsor approved Feb 16 2012, RCMP check requested May 15 2012, COPR July 27 2012, Landed Aug 13 2012 ::

Apr 22nd 2012, 2:23 am	#21
DoyleLinda Forum Regular Joined: May 2011 Location: Winnipeg, Manitoba, Canada Posts: 176	Re: Credit cards on work permit? hi, We got two credit cards from CIBC within a couple of months of arrival. Incidentally my OH only got a 1,000 limit and I got 2,000 and he is the one with the LMO and work permit. im on an open permit. We had no problem whatsoever. We also just went in to speak to them about our chances of getting a mortgage this year and they told us once we have minimum 5% down payment we qualify so very satisfied with our bank right now. Good luck.

Thread Tools	Search this Thread
Show Printable Version Email this Page	Search this Thread: Advanced Search