International students can only apply for a credit card with a deposit. Canadian citizens and immigrants do not require a deposit. This mortgage can be applied as a demand deposit or a fixed term deposit.

Each bank has different policies. I have applied for an HSBC credit card with a mortgage amount of 1,000 Canadian dollars and a credit card limit of 500 Canadian dollars (the mortgage amount of 2,000 is 1,000). This year I have applied for an RBC again, with a mortgage amount of 1,000 Canadian dollars and a credit card limit of 1,000 Canadian dollars (the mortgage amount of 2,000 is 1,000 Canadian dollars). degree is 2000).

The ones with more branches include RBC, HSBC, TD bank, CIBC, and Scotiabank. Everyone thinks the better ones are TD bank and RBC. Every bank in Canada has Mandarin services. Just find a bank that is close to your school or where you live. When you apply for a card, make an appointment with a Chinese-speaking person. Because it is your first time to apply for a card, many policy terms are not very clear in English. Please explain them clearly in Chinese. (HSBC has the most Mandarin speakers, but there is a handling fee of 3 Canadian dollars for HSBC cards that are withheld from students every month)

You can apply for a debit card on the same day, but it takes one to two weeks for a credit card to be applied for. .

The initial overdraft amount can be very large, as long as there is a deposit, it is easy to handle. If you want to use a credit card to buy air tickets, open one with a larger limit. Just 500 or 1,000 monthly pocket money is enough.