Getting student credit card for foreign students in Canada

Being a student in Canada can be hard enough, however when it comes to being a foreigner studying in Canada, especially one studying long-term, well that’s a whole other ball game of difficult. While a regular student can likely phone Mom or Dad and ask them for money, foreign students don’t have that privilege. Sure they can still get Ma or Pa back in their home country to transfer money to their Canadian bank account, but then there are fees, wait times, currency conversions and the whole hassle of it all. And we all know too well that college kids love random spur of the moment road trips, visits to Toronto or even heading to the slopes in Montreal to catch some fresh powder. So what can a visiting student do? Honestly, getting a credit card will solve all the financial problems you could face. Plus it’s easier than one may think.

Where You Can Apply
Step 1 is knowing what offers are out there for foreign students. There are a ton of Canadian banks and financial organizations that offer all kinds of help. From immediate unsecured loans and financial assistance to a slew of different accounts with various rewards and partnerships. The offerings available to foreign students are just as plentiful as those on offer to the home grown citizens.

Finding A Reward Program
Step 2 is finding an offer that suits your lifestyle.  As a student you want to find one with low interest and a good rewards program that you will actually use. For example some banks bundle offers like free coffee, no annual fees, warranty on new purchases, discounted movies, cash back for flights and so on. Finding one that actually appeals to your interests is a good plan.

What You Need To Apply
Step 3 is time you learn what you need in order to apply for a credit card. Most people fail in life for not knowing and never asking what they need to achieve that next step. It’s relatively simple. All that most foreign students need is:
– Five minutes
– An internet or phone connection
– Study Visa or Residential Permit
– Passport or Canadian driving license (if you have one)
– Student ID from your college or university
That’s it, like I said simple. Chances are you already carry around most of this stuff with you every day anyway.

Time To Apply!
Step 4 is finally fixing your money problem by making the application. By now you should have picked a reward program that will work for you, so all that’s left to do is log on to the banks website or give them a call and actually apply for the card. But don’t be afraid! Sure, while at first the thought of trying may have seemed a little daunting, you can see there really isn’t a need to worry. Banks and credit companies have seen every possible scenario imaginable. So even if you do encounter a small bump in the road, they will be there with you, helping throughout the whole process. So go for it!

The best part is you’ll know in just minutes if you’re eligible. Thus well on your way to not needing all the stress of worrying about asking dear old Mom and Dad for more money to throw your very own Canadian Day college party!

Bonus Benefits
No one actually ever tells you about all the benefits of having a credit card while you’re young and living in Canada. Believe me, they’re phenomenal! You get a chance to build a credit history on regular purchases you’d otherwise be making anyway. Those purchases go a long way toward helping your lending score down the track, for example when you want to buy a house, apply for a small business loan, car loan or what have you. So what are you waiting for? Apply for a student credit card today and stop stressing about scraping enough dollars together for dinner.

Read more:

Debt Consolidation Strategies for Canadians

Debt Consolidation Loans


Iranian Studies in Canada

If you’re thinking about taking the time to do a course on Iranian studies, nowhere on the planet should spring to your mind as fast as Canada’s University of Toronto does. With a world renowned department in the field, the University of Toronto has been involved in the study of Iran, the culture, the people and so forth, since the mid 1960s. So there is really no better place equipped to teach one all they could desire to know about the vast and rich subject of Iran and its people.

In fact the university people involved in this extensive work are so passionate about it, that they formed their own organization, The Iranian Association at the University of Toronto. Through community events and social gatherings, the group aims to educate fellow Canadians, both on and off campus, about the vast cultural history and significance Iran has had on the world.

The group not only give resoundingly informative lectures, but they put on historical plays involving Iran’s spectacular heritage. While wanting to work together with the community to encourage preservation of what used to be and working with Iranian citizens to bring about all that tomorrow has on offer. On top of all that, they also offer educational assistance and support for those interested in the field of Iranian studies in Canada.

Students at the University of Toronto are invited, with open arms, to take classes on Iranian culture and history. With education programs crafted to capture the students’ minds, enticing them to throw around new ideas as they ponder everything from democracy and freedom to life and death. Teachers aim to give the students all the tools they’ll ever need, so they can venture into all parts of the wild Iranian landscape and find new insights into areas so far under thought of and under studied. The super passionate few, hopefully even unearthing whole new areas of untapped culture, as their research is 100% supported by encouraging staff and peers.

Areas that have been of profound interest to staff at the University of Toronto in recent years include Iranian history, Iran’s language and literature, religion and philosophy, archaeology and art history. The staff have done such an amazing job in their research and findings into the region, that the university made the decision to expand the area of Iranian studies to encompass the entire geographic Middle East region.

Cultural Iranian and Middle Eastern studies, now one of Canada’s most unique areas of expertise, a new, Department of Near and Middle Eastern Civilizations at Toronto University, has been named with the hopes to continue on the prestigious work done by the previous scholars, students and ongoing peers.

So if historical relevance of vast cultures and terrain, in the Middle East area, are of any interest to you, it would be well worth your while attending one of the recurring information classes or lecture evenings often held by the University of Toronto. Not only will you get a chance to network with like minded people thinking about taking up full time study at the university, but it will give you the opportunity to meet professors and lecturers currently working in the industry. And if you come equipped with a few zinger questions, you’ll see for yourself how much fun can be had learning about cultures so different to our own.