Credit Cards

Canadian Department Store Cards List

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  • Nov 22nd, 2012 12:24 pm
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[OP]
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Aug 15, 2009
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New Westminster

Canadian Department Store Cards List

This thread is a list of Canadian department store cards (not Visa nor MasterCard) that are currently available. Department store cards are a great way to establish Canadian credit for young adults, immigrants, and seasonal residents / non-residents. This type of non-secured credit is usually easier to get. Please add to this thread if you know of any other department store cards.

CAPITAL ONE
HBC (also for use at la Baie, the Bay, Esso, Fields, Home Outfitters, & R.I.P. Zellers)

CHASE
Best Buy
Future Shop
Sears (also for use at Sears Outlet)

CITI (requires Canadian ID, but not in QC / PQ)
Home Depot
IKEA (apply in store)

DESJARDINS (requires Canadian ID)
RONA (also for use at Botanix, Réno-Dépôt, & Totem Building Supplies)
Staples / Bureau en Gros

PACIFIC & WESTERN BANK OF CANADA (apply in store)
Home Hardware

SYNCHRONY FINANCIAL (formerly GE Money)
Chevron (also for use at Texaco)
Lowe's

TDFS | TD Financing Services (formerly HSBC - http://www.hsbcfinance.ca )
The Brick
United Furniture Warehouse
Visions Electronics
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Dec 1, 2011
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Chase also issues Best Buy store credit card
[OP]
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Aug 15, 2009
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New Westminster
Thanks for the Best Buy tip, I missed that one. I wish you could use the cards between the stores, supposedly the Future Shop card can only be used at its locations and not its sister stores, aka Best Buy.
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Mar 13, 2003
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The Brick used to use Citi in addition to HSBC, but I am unsure if they still do.
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Not sure theres much more to add to that list, as Canadian Tire, Walmart etc... scraped their store cards for Mastercards. I believe the same will happen eventually with HBC and Sears, as they already have Mastercards.
[OP]
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Aug 15, 2009
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New Westminster
I know the stand-alone Petro-Canada card went bye-bye recently. I'm not sure about the abandonment of the HBC and Sears cards though. I think a lot folks have them (those two cards in particular) because they can't qualify for a Visa or MasterCard.

I wonder what happens to one's score when the private-label cards are shut down (for everyone).
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Dec 31, 2009
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I don't know if Desjardins Accord'D really belongs here, but I'll say it anyways.

You know those "don't pay a cent event" or "no interest for 90 days/1 year/forever" promos that many businesses have? Well, a lot of them are thru Desjardins.

Go here> http://www.desjardins.com/en/particulie ... chands.jsp <for a list of merchants that accept it.

We bought some furniture from Leons, and used their "0 interest, 0 payments for 2 years" thing that they always have on. It's thru Desjardins, and once you're approved they'll send you a card you can use at any Accord'D retailers. They give you a credit limit and keep track of all the ins and outs of each purchase.

After we did it, within a week I got an invitation from Desjardins for their Visa. Now I have a Desjardins Visa, but it also has a separate credit limit just for Accord'D purchases. So in theory I can walk into Leons (or any of the other retailers who accept it) and buy something on their promo and get it instantly approved using this card.
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Feb 23, 2004
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Does anyone know which card is the least strict?
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Sr. Member
Sep 24, 2010
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Toronto
kocoman wrote:
Nov 20th, 2012 2:32 am
Does anyone know which card is the least strict?
Do you mean, which is easiest to get?
I don't know the answer, but I know someone who applied for Sears and Leons' and were declined so I have an impression that those are probably some of the strict ones...
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panda470 wrote:
Nov 20th, 2012 8:36 am
Do you mean, which is easiest to get?
I don't know the answer, but I know someone who applied for Sears and Leons' and were declined so I have an impression that those are probably some of the strict ones...
Sears is issued by Chase, which is probably one of the stricter lenders, and Leon's cards is now a Visa card issued by Dejardins. Visa= higher credit criteria
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
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Is there a list of what card check which bureau? I don't have credit history with TU (I get the error "The system was unable to get enough information from the credit profile to complete this process.")

What about for person with no credit history?

thanks
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kocoman wrote:
Nov 21st, 2012 10:16 am
Is there a list of what card check which bureau? I don't have credit history with TU (I get the error "The system was unable to get enough information from the credit profile to complete this process.")

What about for person with no credit history?

thanks
For a person with no credit history, I imagine your only option would be a secured credit card either from the bank you deal with, or there's Hometrust that offers a secured Visa, People's Trust that offers a secured MasterCard, and Capital One that issues guaranteed credit cards (probably really low limit). I don't see any issuer giving you a normal card with no credit history. 5 years ago, maybe, highly doubtful these days.
Can you believe it? They sent my income tax return forms back to me! In response to question # 4, "Do you have any dependants?" I replied - "2.1 million illegal immigrants, 1.1 million crack heads, 4.4 million unemployable people, 901 thousand people in over 85 prisons, and 650 idiots in Parliament.
Apparently, this was NOT an acceptable answer.

Who the hell did I miss? :razz:
Jr. Member
May 11, 2012
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VANCOUVER
wayne74 wrote:
Nov 20th, 2012 8:53 am
Sears is issued by Chase, which is probably one of the stricter lenders, and Leon's cards is now a Visa card issued by Dejardins. Visa= higher credit criteria
Interesting. Would anyone know ease of qualification for the citi and hsbc cards? I know hbc and capital one is pretty easy.
Thx
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Apr 23, 2009
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South of Ottawa
Home Hardware also has a card. The provider is Pacific and Western Bank.

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