After arriving in Canada, you can only apply for a credit card with social security number after opening an account in a bank, but you can also fill in the application form and leave the sin column blank. It's usually approved. Some small branches will be strict and will not do it. But many slightly larger banks will let you apply and submit, but there is no guarantee that you will be approved. Every bank has that kind of student credit card. No problem.
In the case of a draft, it usually takes three weeks or more to deposit money into your account after it is deposited in the other bank. However, the staff with experience in opening an account for international students will unfreeze it for you immediately, so as not to delay your tuition. Money orders have nothing to do with credit cards. It has nothing to do with your cash.