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There’s no credit check before approval, so even if you have a bankruptcy or foreclosure in your financial history, you can still get this card.
Other key features include: Refresh Financial Secured Visa has a 21-day interest-free grace period on all new purchases.
All that’s required for you to apply is to be a permanent resident of Canada and to have no current bankruptcies.
If you make sure to pay the balance on time every month and keep your credit utilization below 30%, you can restore your credit score faster than you might think.
The credit card company holds your deposit in a savings account and will use it to cover the balance if you default on a monthly payment.
An unsecured credit card just means that you don’t need to provide a security deposit, and is the type of ‘normal’ credit card that most consumers are familiar with.
The penalty for going over your credit limit a second time, however, is severe: your card will be cancelled.
It’s also important to point out that Refresh Financial Secured Visa does charge every month that you don’t use the card, so it’s only a good choice for cardholders who are going to use it regularly.