Nowadays, it is not that difficult to apply for a credit card in China. Basically, many people have credit cards. Credit can be used for daily consumption or emergency, but it is more difficult to apply for a credit card abroad. Kerun Study Abroad Professional will take you to learn about the application tips for credit cards for studying in Canada. Applying for a credit card when studying in Canada can bring a lot of convenience to your daily life. It is very important to accumulate a credit record for yourself as early as possible for possible credit needs in the future. If you have a stable job and income, some banks or credit institutions will provide small credit cards. Otherwise, you have to start from scratch. You can apply for a secured credit card if you have no credit history or a bad record, and have low or no income. You need to go to the account opening bank in person to handle the mortgage procedures. The collateral is usually a deposit in your account that is equal to or greater than the credit limit you require. For example, if you apply for a credit card with a limit of 00, you can use 00 in your bank account as collateral. When your financial situation improves and you accumulate a good credit record with this card, you can apply for a regular credit card and cancel the mortgage conditions. If you are unwilling or do not have cash as collateral, you can ask a relative or friend to be a guarantor to help you apply. But be aware that if you default on your debt, the bank will pursue recourse from the guarantor. Another way is to first try to apply for a credit card provided by department stores, such as BAY, SEARS, ZELLERS, etc. These stores often set up stalls at the door, offering cheap gifts or shopping discounts to entice customers to apply for their credit cards. The characteristics of this type of card are extremely high interest rates, short repayment period, and can only be used in this store. It's worth mentioning that store credit cards sometimes charge shopping insurance fees without your consent. Although the amount is small, it is also a way for merchants to make money. This insurance protects you from any outstanding bills if something unfortunate happens to you or you are fired. It's a good idea, but you may not need it. The above are the tips for applying for a credit card for studying in Canada. The editor reminds international students not to use credit cards excessively. If you use too many credit cards and cannot pay them back, it will affect your future credit problems. That’s all about the tips for applying for a credit card. I hope it will be helpful to you.