I visited a bank branch for the first time on September 25 as a newcomer to Canada, applying for both a debit and credit card. I was assured everything was fine and that my cards would arrive soon. After nearly a month without receiving my credit card, I returned to the branch for an update. The staff member I encountered was unhelpful and provided no clarity. She merely handed me a card with a phone number and instructed me to call, despite my presence in the branch seeking information. I attempted to call multiple times, but received no response. On December 24, I went to a different branch and submitted a new credit card application. After another month of waiting, I was informed that, as a newcomer, I needed a credit score and should apply for a secured credit card. This crucial information should have been communicated from the outset, saving me months of frustration. I possess a valid work permit, a full-time job, consistent income, and savings, yet I was denied a regular credit card without a proper explanation. As a newcomer, this situation is incredibly frustrating; being new should not automatically disqualify one from obtaining a regular credit card, and clear guidance on building credit should be provided. I hope this branch enhances its communication and clearly outlines credit options for newcomers to prevent similar confusing and disappointing experiences.
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