Applying and Approval

No, but once the credit card application is approved, your spouse can add you as an authorized user. Authorized users receive their own card, sharing the available credit limit with the primary cardholder. The account will not be recorded on the authorized user's credit report. Plus, there's no fee to add an authorized user.

No, the credit card application is meant for the person it was addressed to and is non-transferable.

Your credit limit is determined based upon our review of your credit card application and a review of your credit information from a third party credit reporting agency.

Once we've processed your completed credit card application and security funds, we'll send your new MasterCard. We'll also send you a welcome package that explains your new credit card and details our commitment to you.

Anti-Money Laundering legislation requires that we confirm identities before releasing credit cards. If we're unable to verify your identity, you'll need to go to your local post office so that a Canada Post agent can verify your identity. Learn more about AML and what you need to do if you're required to pick up your new credit card.