It is recommended that you find a professional tax refund person who will help you fill out the form for 10 yuan. There is no problem. Apply for a credit card to study in Canada 2009-06-30 03:24:14 Source: Author: Large, Medium and Small Views: 27 Comments: 0 Canadian banks do not trust the credit records of other countries. As long as international students have never applied for a credit card in a Canadian bank, even if they have a good credit history in their own country, they will not be recognized by Canadian banks. When Canadian banks do not have a credit record for international students, they will determine their credibility based on their financial situation, such as whether they have a stable job and income. If they meet the requirements, some banks or credit institutions will first issue small loans to international students. credit card. 1. Canadian secured credit card If you are born in Canada and have not found a part-time job and have no fixed income, then all credit card applications must be started from scratch. In this case, the best way is to apply for a secured credit card. To mortgage a credit card, the international student must go to the bank to handle the mortgage procedures. The usual collateral is the deposit in the international student's ordinary bank account, and the balance must be higher than the credit limit applied for by the international student. Canadian banks will decide whether to approve an international student's request to convert a secured credit card into a regular credit card based on the usage of the secured credit card issued by the international student, or the improved financial situation of the international student. Basically, as long as the international student maintains good credit, it can eventually be converted into a regular credit card. Regular credit card. 2. During the Canadian secured credit card period, if international students do not have enough cash as collateral, they can also apply for a credit card through a guarantor. The guarantor must be a relative or friend of the international student in Canada, and the guarantor must have a stable financial source. However, One thing that international students must be aware of is that once an international student swipes their card and fails to repay, the bank will pursue claims from the guarantor. 3. Canadian Department Store Credit Cards Another way to establish your own credit record in Canada is to first apply for some department store credit cards. These credit cards are used by department stores to attract customers. They are characterized by high interest rates, short repayment periods and only For use only with the card issuing company. Credit cards issued by Canadian department stores sometimes automatically charge shopping insurance fees. Although the amount of this fee is not very high, it is often annoying. Of course, the advantage of this type of insurance is that if international students encounter certain situations , you don’t need to repay it, but of course the practical value is not very high. After applying for the first credit card in Canada, all international students have to do is to maintain a good credit record, swipe the card frequently and repay it in time. This way, they will easily become high-quality customers in the eyes of Canadian banks and apply for various credit cards in the future. Invitations will come to your door automatically.