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Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores.
Whether you’re looking for an unsecured, guaranteed approval, or secured credit card, there’s an option that’s best for you.
READ THIS TO GET APPROVED: To help you get approved for this card, if you’ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. The application process is simpler, you won’t have the risk of losing your security deposit and you won’t tie up your money in a security deposit either.
Don’t apply for every credit card under the sun – doing so will further lower your .
That’s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.
This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt. If you intend on carrying a balance, you’re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service – interest free.
Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don’t want to pay an annual fee.
While it does require a minimum deposit of 0, you are guaranteed to get approved.
However, because it is unsecured, you won’t have to put any deposit or security against the card, and you’re not required to have a bank account.
It’s a great alternative if you’ve been turned down for a credit card by the banks. You get a true line of credit, without having to give a security deposit. Your credit history gets reported to the credit bureaus. It allows you to build or re-build your credit, even if you had difficulties in the past or present – even consumer proposal or bankruptcy.
With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past.
These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card – make purchases online or over the phone and book travel reservations easily and securely.
You can put down as little as 0, or as much as ,000, depending on the card.