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Old 03-03-2012, 04:20 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, 04:38 PM   #27
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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, 06:28 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.

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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! - RedFlagDeals.com 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 06:37 PM.
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Old 03-04-2012, 08:17 PM   #29
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Or this

MBNA Platinum Plus

https://www.applyonlinenow.com/CACCa...=CMUV&lc=en_CA
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Old 03-08-2012, 10:53 PM   #30
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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 03-08-2012, 11:05 PM   #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 03-15-2012, 11:02 PM   #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, 01:04 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 01:05 PM. Reason: Forgot to note which bank I was dealing with
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Old 03-28-2012, 02:05 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, 06:32 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, 12:20 AM   #36
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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.
wtf no forms to sign? hes doing it wrong
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Old 03-29-2012, 02:43 AM   #37
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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, 12:03 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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