Thread: Any ideas for Canadian to get

I'm living in Canada. I declared bankruptcy about 8 months ago because of massive student loan debts together with other bank loan debts and credit card debts.

I still estimate I have 4 more months to get the bankruptcy discharged.

I'm looking for a credit card or Visa debit card. None of the regular banks are interested in providing a credit card, and so far, no Canadian bank seems to have a visa debit card :-(

I applied to Hometrust company for secured credit card, but my credit report still shows my outstanding debts which have not been alleviated since my bankruptcy has not been discharged yet, so they declined me :(

So any ideas for me, apart from waiting to get the bankruptcy discharged first? Or moving to the US where they have visa debit cards? :) I can't afford to move to the US yet unfortunately

Note: I have very good reliable income, so my search for credit card or visa debit card is not to get money but for convenience in financial transactions.

Thanks :)

I know that Home Trust Bank was offering canadians a secured card with a $300 deposit, but I dont know their website address, you may want to look it up on a search engine.

Regards,
Alex
www.Creditinsiders.com

Thanks for your reply.

I did apply to home trust (or Home credit) bank for the new secured credit card, but I was declined since they said my outstanding debts were not cleared since my bankruptcy has not been discharged yet.

Any other ideas?
Thanks

A few things are possible.

Sice you probably live within easy reach of the U.S. border go across and open a bank account at a U.S. bank that offers either M/C or Visa Debit Cards.

If you live up in Tuctoyucktuc, or other Northern extremes then you could get a Tax payer I.D. No. from the IRS, www.irs.gov (go to forms) and then get a secured visa from either United National Bank, or Chase. You will need a U.S. address but a friend or Mail Boxes Etc. address will do.

hi

have u tried with: http://www.capitalone.ca/

Hi,

Take a look at that site :
http://www.cua.com/mastercard/
They offer a mastercard payment card.

Stranger.


Canadian guy wrote:
-------------------------------
I'm living in Canada. I declared bankruptcy about 8 months ago because of massive student loan debts together with other bank loan debts and credit card debts.

I still estimate I have 4 more months to get the bankruptcy discharged.

I'm looking for a credit card or Visa debit card. None of the regular banks are interested in providing a credit card, and so far, no Canadian bank seems to have a visa debit card :-(

I applied to Hometrust company for secured credit card, but my credit report still shows my outstanding debts which have not been alleviated since my bankruptcy has not been discharged yet, so they declined me :(

So any ideas for me, apart from waiting to get the bankruptcy discharged first? Or moving to the US where they have visa debit cards? :) I can't afford to move to the US yet unfortunately

Note: I have very good reliable income, so my search for credit card or visa debit card is not to get money but for convenience in financial transactions.

Thanks....

Fellow Canadians. I would be pleased to send you more information on re-establishing your credit as well as obtaining a credit card. Respond by return e-mail with your name and mailing address and info. will be sent.

Thanks.