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Go Back   REVscene Automotive Forum > Vancouver LifeStyles (VLS) > The Business and Financial Forum

Revscene Wall Street.
Consolidating debt? Good business tips? Buying stock? How's our economy doing? Discuss and share advice and tools on everyday banking, investing, wealth management and insurance.

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Old 03-03-2012, 05:20 PM   #26
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getting at cc at 19 is not dumb...just use it within your means.

it's not true student visa is only limited to $2k...i am on it and they keep bugging me to raise it to $4k.

My next card in 6 months is going to be the MBNA MC after hearing about all the great rewards/benefits.
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Old 03-03-2012, 05:38 PM   #27
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Originally Posted by Santofu View Post
Did you guys agreed to do deposits?
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No, they never even asked me to put a deposit down.
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Old 03-03-2012, 07:28 PM   #28
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I've had a cc since I was 16 with a 5k limit. Never had to pay a dollar in interest. Just think of it as a debit card; don't buy what you can't afford to pay off right away.

Originally Posted by iam_dan View Post
hands down, best cash rewards card on the market with the best benefits.
apply for it, and hope you get it. i dont know if you can get it as a first/student card though.

rfd has a comprehensive and indepth thread about it:
MBNA Smart Cash MC: *FREE* World Version available! - Forums
I just checked with an online rep at mbna. You need at least $1k/month income to apply for the card or if you're a student, the income part isn't applicable.

Thinking of applying for my own cc soon...looking for the best one with travel rewards/cash back/student benefits.

Last edited by rien; 03-03-2012 at 07:37 PM.
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Old 03-04-2012, 09:17 PM   #29
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Or this

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Old 03-08-2012, 11:53 PM   #30
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Originally Posted by Santofu View Post
Well that wasn't an issue, but spending 2000 dollars on a credit card seems unnecessary.

I always wanted a rebate rewards credit card, but I didn't have enough money back the time I settled...

So I'm gonna try to ask every td bank if they can let me have a 1000 dollars limit on their rebate reward card.
I'm confused, can't you just get it, call in and ask to lower the limit or is there a minimum limit they have to have on this card?
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Old 03-09-2012, 12:05 AM   #31
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I tried, they wouldn't lower than $2000 limit plus i need to do $2000 deposit as well... The best i can get is $1500 limit with $1500 deposit.
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Old 03-16-2012, 12:02 AM   #32
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OP i started off like you, super hesitant to not use the debit card anymore. but then i realized the credit card is really the same if you pay it off regularly ( i do it every two weeks), plus you get rewards/rebates, and it's safer than getting your debit card skimmed. I'm using the td infinite travel or something like that. I use it to pay for my school and work stuff so the travel $ adds up pretty quick.

i only use my debit card at tim hortons because they don't take visa lol
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Old 03-28-2012, 02:04 PM   #33
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I got my own CC from TD Canada Trust at 18, wasn't a terrible idea at all. Used it like it was a debit card or when it was an immediate emergency that I could pay off within 3 weeks.

Only thing was, I had a lot of trouble getting one. I'm assuming it was cause my parents' credit was absolute shit (and before you guys say anything, I never borrowed or took any money from them. My dad is just horrible with impulse purchases).

I had to get a part time job to prove that I had money coming in to pay off the card (they wanted me to bring in two paystubs from the job) and then I had to put down a 500 deposit for a 500 limit card.

In any case, I'll say it was worth it. Having a credit card just makes purchasing things that much easier. Especially if you make a lot of online purchases.

For the people in this thread who had 1k-5k limits for their first card, were your parents/guardians/whathaveyou considered wealthy at the time?

Last edited by RicePanda; 03-28-2012 at 02:05 PM. Reason: Forgot to note which bank I was dealing with
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Old 03-28-2012, 03:05 PM   #34
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Times must have changed. Had no problems getting my first visa back in the day (over a decade ago . . . ugh). No co-signer and maybe not even a part time job yet. All I had was a few grand in my savings and maybe some mutual funds.
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Old 03-28-2012, 07:32 PM   #35
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Got my credit card around 19. Only $500 limit from TD, then upgraded me to $1000 last year. Maybe for a period of a time I didn't pay it on time, so they didn't ask to upgrade.

I signed up for a BMO one because the teller wouldn't let me go and I didn't have to sign any forms since I had an account there. Right off the bat 3k limit.
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Old 03-29-2012, 01:20 AM   #36
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Originally Posted by Stormspirit View Post
Got my credit card around 19. Only $500 limit from TD, then upgraded me to $1000 last year. Maybe for a period of a time I didn't pay it on time, so they didn't ask to upgrade.

I signed up for a BMO one because the teller wouldn't let me go and I didn't have to sign any forms since I had an account there. Right off the bat 3k limit.
wtf no forms to sign? hes doing it wrong
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Old 03-29-2012, 03:43 AM   #37, helping ugly ppl have sex since 2001
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I got denied when I was 19, and i was making about 25 grand annually too

This was with CIBC.

I had to call CIBC and bitch at them for getting denied.

In the end I got what I wanted
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Old 03-30-2012, 01:03 AM   #38
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^ Wow, were you at student at that time or did you not pay your phone bills etc? I got my first cc when I was working at mcds pt at the age of 17 and surprisingly they offered me a 5k limit
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