Beruflich Dokumente
Kultur Dokumente
Credit Cards
SecuredCreditcards
Issuer/ NameofCard1 Minimum Personal Income Required ($) Minimum SecurityDeposit Credit Required Limit ($) ($) AnnualInterestRate Purchases (%)2 Cash Advances (%)3 Balance Transfers (%)3 MinimumPayment ($or%ofoutstanding balance)
Accident
Medical
CarRental
Not specified
500 300
18.90 19.80
18.90 19.80
18.90 19.80
$10or3% Greaterof-1%ofnew balance+financecharges+ 1/12thofAnnualMembership Fee+anyamountpastdue ORAnybalanceabovethe creditlimitOR$10(ortotal balanceiflessthan$10) Greaterof-1%ofnew balance+financecharges+ 1/12thofAnnualMembership Fee+anyamountpastdue ORAnybalanceabovethe creditlimitOR$10(ortotal balanceiflessthan$10) $10or0.75%to1.5%, whicheverisgreater $10or3%,whicheveris greater
49 59
25 Free
Not specified
300
75to300
14.90
19.80
14.90
69
Free
5,000 500
4.99to15.99 N/A
Varyby province5 $49 annually or$5 monthly 5.55 monthly fee6 5.95 monthly fee7 Free
Peoples Trust Optimax Crdit Peoples Trust Peoples Trust Secured MasterCard Vancity Credit Union Enviro Classic My VISA Rewards Plus
500
19.50
24.50
N/A
2.95monthly fee6 2.95monthly fee7 Free $2=1pointtowardtravel, merchandise,financial products/servicesand charitabledonations Thisoptionisofferedforanadditionalfee. Thisoptionisincludedintheannualcardfee.
500
19.50
24.50
N/A
500
19.50
19.50
19.50
RBCRoyalBank-TheSecuredCardoptionisavailableforallRBCVISAcards.Applicantsarerequiredtodepositasecuritypledgeintheamountofthe creditlimitdesired.ThesecuritypledgeisdepositedintoaGICaccount,whichearnsinterest.ApplicationsforaSecuredCardareonlyavailableatRBC branches.Exceptions:NotavailableforStudentVISA,VISAInfiniteforPrivateBanking.TDCanadaTrust-AsecuredcardoptionisavailableforTDCanada Trustcreditcards.SecuredTDCanadaTrustcreditcardswillrequireadeposittosecureacreditlimit.FormoreinformationonTDCanadaTrustsecured cardsvisitaTDCanadaTrustbranch.BMOBankofMontreal-AsecuredcardoptionisavailableforBMOcreditcards.SecuredBMOcreditcardswill requireadeposittosecureacreditlimit.FormoreinformationonBMOsecuredcardsvisitaBMObranch. Ifthegraceperioddoesnotapply,theinterestonpurchasesiscalculatedfromthedateofpurchaseoftheitemor,insomecases,thedatetheitemisposted toyouraccount. Unlessotherwisespecified,forcashadvancesorbalancetransfers,interestiscalculatedfromthedatefundsareborrowed.Thereisnograceperiod. Thisisnotacompletelistofallrewardsandbenefitsofferedbycreditcardissuers.Formoredetailsaboutotherrewardsandbenefitsthatareofferedfor additionalfees,checkwiththecreditcardissuer.
5 6 7 8
2 3 4
UpdatedJanuary2012
Telephone (toll-free): TTY (toll-free): Fax (toll-free): Web site: E-mail General inquiries: Publications:
info@fcac.gc.ca pub@fcac.gc.ca
Her Majesty the Queen in Right of Canada (Financial Consumer Agency of Canada)