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Are you looking for credit building credit cards in Canada? You’re at the right place!
Getting a secured credit card might be your only best option if you have a poor score and want to improve your credit score quickly.
However, there are numerous options out there that might confuse you in choosing the top credit card.
Here enters the king of cards, Plastk secured credit card. Mic Drop! ;)
Honestly, we don’t need to mention why it’s The Best; customer satisfaction says it all.
But, if you are new here and contemplating whether to get it or not, here are some convincing reasons for you!
1. Top Choice For People Who Have Poor Credit Score!
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People in Canada who have negative credit hunt for credit cards that will allow them to increase their credit scores quickly.
However, it might be challenging for Canadians with bad credit to obtain a top credit building card.
Plastk has entered the chat! ;)
- We provide guaranteed approval to all Canadians despite their bad, poor, or no credit score!
- There is usually no credit score check!
Isn’t it the absolute best? It surely is! Hehe.
2. Perfect For Canadians With Imperfect Credit History!
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Getting a secured credit card in Canada can be challenging if you don’t have a stellar credit history.
Banks and credit service providers run a credit score and history check to analyze the card eligibility of your application.
It’s not the case with Plastk, though! (Alexa, Play Material Girl! :p)
- We believe in providing credit services to everyone (Literally!)
- You don’t need commendable credit history to be eligible for Plastk!
Ah, what more do you expect? (We can exceed that too. Hehe)
Bonus: Let’s watch an expert video to know why outstanding credit history matters.
3. Optimal For Students Who Want To Start Building Credit Early!
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The top credit experts suggest establishing credit as early as possible.
Of course, you have to be of legal age to register your card application.
But what’s next? An unsecured credit card? No chance for a student! A debit card? A fresher doesn’t have much money!
Then what option do you have?? A secured credit card!
- It doesn’t require a good credit score, credit history, or high income (all the factors a student needs in his first Canadian credit card).
- Plastk card is easy to manage as the credit limit is usually the deposit you submit!
If your security deposit is $500, your credit limit will be $500 as well.
This gives you a deadline to stick to your budget and not go over the appropriate utilization percentage.
See: Easy to Follow 50/30/20 Budget Rule For Good Financial Future!
4. Ideal For New Immigrants Who Want To Build Their Credit History!
It's never easy to start over in a new country.
Moreover, having a bad credit base will only add to your problems because it’s often necessary to advance financially and professionally.
Relatable? Get Plastk!
- There’s no high income or credit history demand, so you can easily work on building your credit history while adjusting to your new life.
- With our secured credit card, you won’t have to worry about approval.
The instant approval and easy-to-build score can help you get a rental home, car lease, insurance, and other benefits.
See: Benefits Of Secured Credit Cards For New Canadian Immigrants!
5. Classic For People Who Can’t Meet Income Requirements!
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In Canada, full-time workers make an average weekly and yearly salary of slightly over $986 and $51,000.
Which, to be honest, is insufficient when you have to pay a mortgage, vehicle loans, health insurance, and maintain a respectable standard of living.
Good news! Plastk understands all of that!
One of the reasons our secured credit card is the best choice for people with bad credit and poor income.
Bonus: Increase Your Income With 8 Passive Income Ways!
6. Best For Individuals Who Can’t Get An Unsecured Card!
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Unsecured credit cards are like queens of the finance world.
Every commoner is tempted to have a meet and greet with the queen, but only a few lucky ones get a chance to do so.
Similar is the case with an unsecured credit card. When we search for top ways to have financial freedom and an expert credit building guide,
“Think big, get an unsecured credit card” pops up in bold letters!
But right when you read past them, here’s what happens:
- No Collateral!
Uh, but for people with a perfect Equifax credit score.
- Low Interest!
Umm, but you need high creditworthiness for it.
- Best Rewards!
Hmm, but you need the top credit profile to avail them.
How can you have all of that when you are searching for queries like,
- Credit cards for people with bad credit!
- Credit card for new Canadian immigrants!
- Credit card for low-income employees!
- Credit card to build poor credit history!
You need a good card to build a good credit profile, but you also need a good profile to get a good credit card! (What a tongue twister. :p)
Still, confused with your top credit card pick? Here’s a helping guide for you:
Reasons how Plastk can help your credit!
7. Ultimate Pick For Canadians Who Look For Low-Fee & High-Reward Cards!
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What makes Plastk the best secured credit card in Canada?
It offers premium rewards, low-interest fees, affordable annual charges, manageable card services, cash-back, bonuses, and so much more!
- Want to collect reward points on every purchase? Check!
- Need to get points to book your travel trips? Check!
- Wish to earn cash back and use it to pay the balance? Check!
- Looking for some freebies and gift cards? Check!
- Can’t afford the high-security deposit? Check!
- Fancy attending expert events to learn financial literacy? Check!
- Desire to know everything about your Equifax credit report? Check!
- Searching for a low-interest secured credit card? Check!
You name it; we have it! That demonstrates how much we value our devoted customers.
8. Preferable For People Who Need Low Maintenance Credit Cards!
A secured credit card is the greatest choice for Canadians who want to start building their credit.
Particularly those who frequently overspend and negatively affect their credit use.
- You can download the mobile app to access your credit account anywhere and everywhere!
- You can benefit from Plastk Sentinel to get daily alerts, credit notifications, credit knowledge, and more.
And we haven’t reached the best part yet!
- You can set the credit limit you desire by depositing the security you can afford!
- Using the card for small purchasing will ensure you don’t cross your limit or utilization!
- It can give you a morale boost when you make timely payments!
All these factors make Plastk accessible and affordable to almost everyone in Canada.
9. Suitable For Those Who Look For Bonuses, Free Points, & Endless Benefits!
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For individuals who want to receive incentives while improving their credit, Plastk is the greatest option. For each dollar you spend with the card, you can accrue points!
We offer:
- A sign-up bonus of 5000 points (worth $20 in cash),
- 0% APR for the first three months,
- Monthly credit score update (Equifax),
- 0% fraud liability for your peace of mind,
- 25-day grace period,
- Referral programs to earn rewards and points.
You can get a whopping 17.99% interest, hands-down the best rate you can get on the market.
Note: It might shoot up a bit after two missed payments!
But hey, we still offer one no-increase-interest-period to right your wrong!
What Makes Plastk Better Than The Rest?
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Our team has come up with Plastk financial education portal for all our new and old customers for the reasons:
- We won’t leave you at any place in your financial journey!
- On the contrary, we plan to support you by providing you with information and helping with data you need!
It offers you best-in-class services, such as:
- Credit view,
- Credit watch,
- And credit education!
It can help you track and review your credit report, score, and the progress you are making!
Final Verdict
Most card providers can deny you services when you have a low credit score, limited credit history, and poor credit profile.
Not us, though! ;)
Plastk provides credit card services to all Canadians, whether they have a good credit score or a struggling credit profile.
It won’t be wrong to say that our secured credit card is built specifically to help YOU!
So, what are you waiting for?
Fill out the application, apply for the card, wait for approval, get all the credit perks and enjoy all the benefits!
