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How to Apply for StartRight Program for Newcomers to Canada Scotia Bank
If you have just moved to Canada, you will have no credit rating , which means you will not be able to apply for credit cards online. American Express has a deal where if you have a credit card in another country , than they will use this credit history to help you apply in a new country :D. If you don’t have one of these , there are various banks that offer services to help you build a credit rating :
| Immigrant credit card guide | |||||
|---|---|---|---|---|---|
| RBC | TD |
Scotiabank |
CIBC |
BMO |
|
| Unsecured limits |
No set limit | $1,000 | $1,000-$5,000 | $1,500-$5,000 | No set limit |
| Secured cards |
Yes | Yes | Yes | Yes | Yes |
| Rewards carsd |
Yes | Yes | Yes | Yes | Yes |
| Joint cards |
Yes | No | No | No | No |
| Authorized users |
Yes | Yes | Yes | Yes | Yes |
| Special programs | Banking packages | New to Canada | StartRight | Newcomer | NewStart |
- Scotiabank Process
- You will need to walk into your local Scotia bank and bring the following
- Passport
- Driving License ( Local Driving License with your Canadian Address on )
- They will then create a profile for you and set you up a meeting with a banking advisor( can be same day if the availability is there )
- Attend the Meeting, For this meeting you will need
- Passport
- Driving License ( Local Driving License with your Canadian Address on )
- Your Visa
- Your employment letter for your company signed stating your Salary
- SIN ( Social Insurance Number )
- Something else with proof of your Address on it , if you only have one proof of the above
- Have an idea of what Credit card you would like to save time : http://www.scotiabank.com/ca/en/0,,7,00.html#/
Bear in mind your maximum credit for Scotia will be $5000 and they do not allow joint Cards on the StartRight Plan