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[ad_1] There are many great reasons to carry a credit card. Beyond the convenience and purchase protection included with many credit card purchases, they’re also important financial tools for establishing your credit history and borrowing money—both of which you’ll need if you want to make a major purchase, get a loan or take out a mortgage. “The longer you have a credit account open and in use, the better it is for your score. Your credit score may be lower if you have credit accounts that are relatively new,” reports the Financial Consumer Agency of Canada (FCAC). Applying for a credit card is a financial commitment to be taken seriously, but the process is considerably simpler than applying for a mortgage or a personal loan. If you want to know how to apply for a credit card, and how to find the right card for you, you’ve come to the right place.  Find your next credit card* See cards tailored for you from over 12 banks and card issuers No impact to your credit score Get an answer in under 60 seconds Find my perfect card You will be leaving MoneySense. Just close the tab to return. .credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 4rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-weight: 800;margin-bottom: 2.75rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext p {margin-bottom: 0;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext {margin-bottom: 0 !important;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {margin: 0 0 2.5rem;line-height: 1.75rem;font-weight: 500;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div .sub-text {margin-bottom: 10px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1.125rem;font-weight: 500;text-transform: uppercase;margin-bottom: 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.875rem;font-weight: 500;line-height: 1.125rem;}@media ( max-width: 900px ) {.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 3rem 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-size: 1.25rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {line-height: 1.25rem;font-size: 1rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div ul {margin: 0 0 0 15px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.625rem;line-height: 0.75rem;}} What do you need to apply for a credit card? Basic application information Whether you apply online or in person, you’ll need to have the following on hand: Full legal name Date of birth Email address Canadian home address In some cases, you might also have to supply data about how long you’ve lived there, plus past addresses. Current employment status This could be as simple as reporting your job title, but it might also include contact information for your employer.  Gross annual income This is the amount of money you earn annually, before taxes and deductions. If you aren’t salaried, you can estimate your income—you aren’t required to show proof. That said, do not make up a number. Lying about your income is a violation of credit card terms. Social Insurance Number While usually optional, you might be asked to provide your social insurance number. Your residency status If you want to apply for a credit card, you’ll generally need to be a Canadian resident or citizen. There are some workarounds for newly-landed immigrants that might require extra information or a separate application process. Also, some banks offer financial services aimed specifically at new Canadians. Find your next credit card* See cards tailored for you from over 12 banks and card issuers No impact to your credit score Get an answer in under 60 seconds Find my perfect card You will be leaving MoneySense. Just close the tab to return. .credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 4rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-weight: 800;margin-bottom: 2.75rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext p {margin-bottom: 0;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext {margin-bottom: 0 !important;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {margin: 0 0 2.5rem;line-height: 1.75rem;font-weight: 500;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div .sub-text {margin-bottom: 10px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1.125rem;font-weight: 500;text-transform: uppercase;margin-bottom: 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.875rem;font-weight: 500;line-height: 1.125rem;}@media ( max-width: 900px ) {.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 3rem 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-size: 1.25rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {line-height: 1.25rem;font-size: 1rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div ul {margin: 0 0 0 15px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.625rem;line-height: 0.75rem;}} At what age can you apply for a credit card? You will need to be the age of majority to apply for a credit card. Your age of majority depends on the province you live in, and will be either 18 or 19 years old in Canada. The age of majority is 18 years old in: • Alberta • Manitoba • Ontario • Prince Edward Island • Quebec • Saskatchewan The age of majority is 19 years old in: • British Columbia • New Brunswick • Newfoundland and Labrador • Northwest Territories • Nova Scotia • Nunavut • Yukon Does applying for a credit card affect my credit score? In a word, yes—but it goes both ways. When you apply for a credit card, you’ll go through what’s called a hard credit inquiry, which results in a small dip in your score. The reasoning behind this is that if you are applying for credit, it shows that you have some measure of financial need. The impact of an application on your score, however, is insubstantial, temporary and will resolve itself within a few months. Multiple applications over a short period of time have more of a negative effect, so avoid that by researching which card you want before you start applying. “If there are too many credit checks in your credit report, lenders may think that you’re urgently seeking credit [and] trying to live beyond your means,” reports the FCAC. On the other hand, using a credit card responsibly will affect your credit score positively, and is one of the best ways to build a strong rating. Also, in some cases receiving a new credit card boosts your credit score because it increases your combined credit limits and improves your utilization ratio. The utilization ratio is the amount of credit that you are using compared to what is available to you. But both are factors in determining your credit score. While this is a nice bonus, it’s not recommended as a strategy, particularly if you expect to apply for another loan or mortgage in the near future.  How to apply for the right credit card Step 1: Assess your financial standing Before you get to your applications, you’ll need to have a good grip on where you stand financially. Check your

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[ad_1] FHFA Director Sandra Thompson The U.S. housing market has faced periods of high interest rates, home price appreciation and lack of inventory before. But these forces all happening at once makes the current landscape especially volatile and challenging, according to Sandra Thompson, the Director of the Federal Housing Finance Agency.  “If you put things in perspective, we have dealt with high interest rates, we have dealt with increasing home prices, and we’ve also been dealing with supply issues,” Thompson said Wednesday at HousingWire Annual, held in Scottsdale, Arizona. “These are all things that we have seen before. We just got to see them all at the same time.”   The main challenge at present is affordability, Thompson told attendees.  Fannie Mae and Freddie Mac are working to provide more loss mitigation options to borrowers, studying ways to address appraisal bias and encouraging lending for manufactured homes, she said. The housing regulator also wants to encourage lenders to offer special purpose credit programs and to serve communities where English is not the first language.  Here’s what else Thompson said during her Q&A at the conference. On the current landscape “We have seen some very challenging and volatile times. It’s not like we haven’t dealt with high interest rates before. But, if we put it in perspective, the interest rates six months ago were probably about 200 basis points less than they are today. And we certainly are coming off a period of the lowest interest rates in history ­– I certainly took the opportunity to refi. If you put things in perspective, we have dealt with high interest rates, we have dealt with increasing home prices, and we’ve also been dealing with supply issues. There are just not enough single-family properties out there to meet the demand. These are all things that we have seen before. We just got to see them all at the same time.”   On affordability challenges  “The main challenge now is affordability. That’s true on the residential side as well as the multifamily rental [side]. Last year this time in Washington D.C., and probably other places, if you put your house on the market, you’d have literally multiple offers over the list price and sometimes cash buyers. Now, home prices are still increasing, but not at the rate we were seeing last year. When we look year over year, it was like an 18.5% increase in prices. This year, it is probably slowing down to about 13.5%. It’s still an increase. So, we are concerned about affordability, especially for first-time homebuyers. We’re also concerned about the increase in rents – we’re seeing some rental payments that are well beyond what people pay for their mortgages.” Risk facing the GSEs “We’ve asked Fannie Mae and Freddie Mac to make sure that they have their loss mitigation toolkit in place so that when people get in trouble, they can call their servicer, and they have options. When we look at the Fannie and Freddie books, from a credit risk perspective, you’re getting mortgages with 2%, 2.5%, maybe even 3%. It is really good that people lower their monthly payments. But, when you’re looking at this rising interest rate environment that we have today, people are not able to buy the same house that they could have bought six months or a year ago. And many people – and I will be one of them – don’t want to refi or buy another house, in this interest rate environment. So a lot of people are staying put. That kind of exacerbates the supply issue, and the supply certainly impacts affordability.”   How to serve diverse communities  “There are a number of borrowers that English isn’t necessarily their first language. We’ve been working since 2018 to create a mortgage translation database. The predominance is Spanish. We picked the top five languages. We have taken the Word documents and translated them so that people can look at those translated documents and make some decisions. The house is probably the largest asset and the most money most people are going to spend. But we think it’s only fair, given that there are different populations, that servicers be able to respond to their borrowers in an appropriate way, especially when you’re making these huge financial decisions.”  Jump-starting special purpose credit programs “We’ve been focusing on the enterprises providing liquidity in areas that are hard to serve, such as rural areas or manufactured housing. And we also have affordable housing goals that focus on low to moderate-income individuals across the country. There’s a huge equity gap between Black, white, Hispanic populations. We’ve asked the enterprises to take a look at areas that had previously been redlined and identified barriers, but we’ve also asked them to come up with some solutions to address those barriers. Special purpose credit programs have been around for years, and lenders have been reluctant to use them. There’s a movement to try to explain to lenders as best we can that the regulatory environment is supportive of the nature of the special purpose credit programs. For example, one thing that we do know is many people struggle with down payment assistance. So you could have a special purpose credit program that focuses on down payments. We do have a number of pilot programs that the enterprises are working with.”   Appraisal bias  “Racial bias is very real. The valuation in certain communities is a lot lower than even the asked price. That’s true, generally speaking. What we’ve done is we’ve tried to automate the appraisal process, and I’ll tell you that the pandemic was really where we got a lot of lessons learned – appraisers didn’t want to go into homes, we had to figure out ways to keep the mortgage pipeline moving, and we introduced desktop appraisals. We made it a permanent part of the enterprise’s policy. We’re also looking at hybrid appraisals and other alternatives so that we can really try to address some of the bias and also make

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