terese677

our bank person at RBC told us to wait for 3 months after we arrived to apply. He said that a written appliction through the bank would be looked upon more favourably as we probably didn't have enough Canadian credit history to apply online. Even though we didn't use the account until we arrived in june we opened our account on our recce last September and he said that would also go in our favour as we held the account for over a year.
We got the card without any hassle and now they are asking if we want more!

Spongebob

Have you tried this one.

http://www.capitalone.ca/canada/card...R1_04_G_CNCPNC

Guaranteed MasterCard®
for People New to Canada

Are you New to Canada? We guarantee you'll get a Capital One® MasterCard that is specifically designed for you. This card can help build your credit history and can reward you for good credit behaviour.
Apply Now Not available to residents of QC, NT, NU, or YT
Guaranteed MasterCard from Capital One Canada
Build your credit history in Canada.

* Whether you're new to Canada or have lived here your whole life, using your Guaranteed MasterCard responsibly can help you establish your credit history. Building your credit history is important if you want to eventually buy a house or get a loan. Plus, once you're a customer we'll provide you with a one-time credit report1 so that you can monitor your progress.
* The Guaranteed MasterCard for People New to Canada lets you enjoy all the conveniences of a credit card. With this guaranteed card, shop online, rent a car, or use it to pick up your everyday items - quickly and easily.

Relax with valuable Gold MasterCard Benefits.
o $0 fraud liability for unauthorized use
o 24/7 customer service online or by phone
o Purchase Assurance and Extended Warranty2
o Car Rental Collision and Damage Waiver3
o Up to $250,000 Common Carrier Travel Accident Insurance3
o Delayed Baggage Benefit4
o MasterAssistTM Travel Assistance Service
o Master RoadAssistTM
o MasterCard Global ServiceTM
o With MasterCard PayPassTM

How your card gets better over time.

* By demonstrating that you're responsible with credit your card will get better over time.
* We'll waive your annual fee and send back your security funds (if they're required) after the first year. All you have to do is stay within your credit limit and pay at least your minimum monthly payments on time for your first 10 billing periods.

How to qualify for a Guaranteed MasterCard.

* Be at least the age of majority in your province or residence;
* Reside in AB, BC, MB, NB, NL, NS, ON, PE, or SK;
* Not have an existing Capital One account, not have applied for a Capital One account within the last 65 days or have a Capital One account that is not in good standing within the last 12 months before applying;
* Provide security funds, if required, by cheque or money order.

Apply safely and securely for your Guaranteed MasterCard now.

* Capital One is committed to providing the most secure Internet service through the use of security and encryption technology. When you apply for your card on this secure site, all the information is encrypted or encoded.
* Whether it’s a Gold or Secured MasterCard with the same rates, you’re guaranteed a credit card – we’ll let you know if security funds are required.
* In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll be able to pick up your card in person at a Canada Post outlet and provide further identification. If Canada Post is unable to provide this service in your region we'll contact you to make further arrangements.

Remember, you’re guaranteed access to credit with your new Guaranteed MasterCard for People New to Canada.

moondevil

We changed our ontario account to alberta and they asked if we needed a credit card

said yes and that was it, now have one and we can pay the money off everytime he puts gas in the car, just to build up our history
worth speaking to the bank, if they are unwilling to help, maybe try another bank

Canada2006

RBC gave us a card on the condition we left with them enough money to pay spending limit. The money's on a 2 year bond. Once we have an income, we can increase the limit no problem. We're not short of cash so no problem for us.

We had to ask that the monthly payment was paid automatically as we don't want to pay interest.

Khiran

My lawyer advised me a long time back to apply localy (Kuwait) for an Amex in order to maintain a credit history that will be very helpful later on in Canada. reading this thread, I'm not sure how effective this can be?

moondevil

yeah we have employment, so that is why we havent had to put the bond down

cornmatthew

Amex will (sometimes? always?) open you an account in Canada based on your existing Amex account elsewhere in the world.

Other lenders won't look at your history in Kuwait, but once you have your Canadian Amex card, you'll start building a Canadian credit record. It's one way around the problem of getting a first credit card.

SambaDeAmigo

Thanks. I do have a UK Capital One credit Card, would that invalidate:
* Not have an existing Capital One account, not have applied for a Capital One account within the last 65 days or have a Capital One account that is not in good standing within the last 12 months before applying?