More and more prepaid Visa cards and Mastercards are coming out on the Canadian Market. Check out my 2010 Guide to The Top 5 Prepaid Mastercard and Visa Cards in Canada here!
At least, in theory, they should work everywhere, but some of the really anonymous ones may not work online since they don't have mailing addresses or names attached to them. The BMO kind should have no problem working everywhere. In this article, I'll go over which ones are best.
Necessary Background Information on Prepaid Visa/Master Cards in Canada
- Good for Privacy, gifts, can't get a credit card, security (while doing online transactions).
- Often not accepted at hotels/motels/rentals (read for more details)
- Should not contribute to your credit rating. Some do check for identity verification, or because you could go into debt with non-instantly processed payments (Request your FREE Credit Reports at least YEARLY!)
- Not a bad way to carry money if you don't have a credit card while travelling
- Accepted most places where a Mastercard or Visa card are accepted
- Many of the prepaid cards available, in a word, suck. Watch out for monthly fees&what happens to expiring balances (sometimes they're lost!!!)
- The zero-liability policy that Visa and Mastercard have applies to these prepaid cards just like regular Visa and Mastercards.
- Reloadable cards always require ID and some kind of application process
- Non-Reloadable cards are usually more anonymous, but pricier (probably for the convenience factor).
- Most cards on the market charge fees, usually to load up the card with money, but sometimes also to call and check your balance, inactivity fees, fees when you use it at an ATM, fees when you use it, fees when you don't use it, etc. So I'll go over which card is the best in common situations.
- Even though some cards are non-reloadable, you can make purchases with the remaining balance, and make up the rest of the payment in cash/debit/other credit card at most retail stores.
- Some cards, like the Vanilla card cannot be used at gas pumps, though you can pump and pay inside with them.
The Best Canadian Prepaid Mastercard and Visa Cards
The BMO Mosaik Prepaid Travel Mastercard is the best choice for most people. The one-time fee is higher than a lot at $9.95, but the card can always be reloaded for free through on-line bill payment, or by another BMO credit card. Expiry date is 36 months and there are NO charges for each purchase you make, nor with checking your balance online, through an ATM, over the phone or through an agent. So, the customer service is very good, and I think you can trust BMO. There is an inactivity fee if you go more than 12 months without using it. BMO also has a rather decent nationwide presence.
BMO actually charges you if you want a paper statement, so it is a good pseudo-anonymous card, since you will need to formally apply for the card.
New on the block is the Canadian Tire Prepaid Mastercard, no activation fees, no purchase fees, and just $1.50 per card load, which may or may not be cheaper overall for most people.
Some cards are available for an initial price of $2, but their monthly fees start after the 7th month of issuance, which isn't good for most people, so I won't go into those, but they are available from Vancity credit union.
Royal Bank Visa Gift Card (Best Card for Many Situations)
I've written a summary of the Royal Bank Visa Gift Card here, take a read!
You must buy these cards at an RBC branch, no forms are even required! The cards cost just $3.95 to buy and come in amounts of $25 to $500. Watch out though, if you still have a balance after 6 months, they start charging you $1.50 per month. If the card expires and you have money on it still, they charge a "fee" of whatever you have left, ie: you lose it. I believe these card do NOT have your name attached to them at the get-go, and they are not reloadable. You do have to show 2 pieces of ID to buy one however. I'm not sure to what degree they document your info (or just look at it to verify your age and let you go). You can register the card online so that it does have a name (and address I presume) attached to it and use it for online purchases though, or claim it lost/stolen.
RBC isn't forthcoming with what their expiry date is on their website, but rest assured, the cards do have an expiry date.
Vanilla Prepaid Mastercard - The Privacy-filled "Gift-box" Cards
These cards do NOT require you to sign up, so they're pretty much 100% anonymous (though things like what you use to pay for it and/or which computer you used to check your balance online might be trackable). You will still have to sign the actual card and sign receipts at merchants.
For good reason, they "recommend that you write down the Card number and the customer service number on a separate piece of paper in case the Card is lost or stolen."
The Vanilla Prepaid Mastercard Customer Service Number is 1-800-652-9174.
Shoppers Drug Mart sells the "Vanilla" Prepaid Mastercard, as do tons of other retailers. This is actually the People's Trust Mastercard, so it's really a product of a financial institution, not Shoppers themselves. They're not reloadable, and they start charging a monthly fee after 6 months. The initial cost is only $3-$6, but when the monthly fee kicks in, it's $2.50 per month, and the whole card expires after 12 months. Boo-urns!
Visa Prepaid Card Options
Citizens Bank offers a Prepaid Visa Gift Card.
They don't provide too much info on there website at https://www.citizensbank.ca/Personal/Products/VISACards/VISAGiftCard/ but their load fee is just $2, but then they nickel and dime you a bit. For an automated balance inquiry over the phone, they charge $0.50. I'm not sure of any monthly or inactivity fees, you'll have to call them at 1-800-611-8472.
Canadian Prepaid Visa Card & Prepaid Mastercard Conclusions
I think the BMO option is the cheapest and best prepaid option for those that want a cheap card for themselves with their name attached to it. For those that want a bit more anonymity and need a card now, without filling out an application and all that, the Royal Bank Visa Gift Card seems like the way to go, just make sure you spend your money quickly, or you'll start paying monthly fees. For most people, a real credit card is the best option, but it all depends on your circumstances. I'd say that dealing with your own regular credit card company will be easier to deal with than one of these prepaid cards if your card gets compromised, but for some things, these cards are a good option. I will say that internet credit card fraud is rather rare, and that you're usually also vulnerable when you shop at a regular retail store as well, since they often process transactions over the very same networks.
Cheap RBC Pre-paid visa gift card
If you want do online purchases this is one of the best cards
First determine the denomination as it is non reloadable (don't sweat this as you can just get another card if your balance runs out) $25, $50, $100.00 etc.
The only fee is 3.95, bring proof of identity and address with you to the RBC branch closest you. (be prepared for a long wait as not all tellers are well trained on these products yet.
the only other fee is after 6 months if you still have a balance it is 1.50 per month
IMPORTANT: Register the card at https://www.myrbccardbalance.com/ using your current address. (you can also check your balance here), this is to avoid declines in online purchases.
Purchase away! I use it to fund forex accounts.
keiichicom
direct bank = DC Bank mastercard is $240 a year!
these slimeballs make you get their 'bank account' which is $10 PER MONTH and the cc is another $10 PER MONTH
and they tell me on the phone - ohhhh but its only half price if you never use it??!!! WTF I obviously plan to use it, or WHY would i get it.
This DC bank seems VERY shady to me, even their websight is a wierd, incomplete joke.
$240 a year, not including your actual purchases.
DEFINATELY go with a prepaid from a REAL bank. The BMO does to a credit check, but only to see that you dont have frauds - they dont care about your credit rating at all, and the card will be as legit as a normal mastercard.
BMO Prepaid MC
I had applied online for a BMO PPMC a while back and eventually received a letter stating that they did not have enough information to approve me :( Weird too, because I've had my BMO bank account for years. Perhaps it was because I wasn't employed at that time, I don't know. well, applied again so here's hoping.
I really wish using paypal on ebay didn't require a CC for "confirmation" (had been using my linked bank account since 2004) or if amazon accepted paypal.
I wish amazon would accept paypal too
unfortunately, a lot of vendors are turning their backs on paypal becuase they are feeling more and more ripped off.
I have the bmo prepaid travel
I have the bmo prepaid travel card. It was the best thing that I carried with me when I went backpacking in Asia for 6 months. I highly recommend it. Transactions that were processed:
-purchased a flight from HK to Thailand
-purchased a tour package for Australia
-purchased retail items on it while in Asia
-was able to access ATMs all over asia.
The downfall is that they do charge for ATM withdrawls for each transaction, and it takes about 3 business days to clear deposits on the card. (just set it up like a credit card payment on your checking account and it should work.)
I know CAA offers something similar for visa.
Alternative: A DCBank Account and Prepaid MasterCard
DC Bank offers both a "virtual" bank account, meaning there are no branches to drive up to, and offers prepaid Mastercards and Interac cards. These are personalized with your name, so using it for purchasing through reatailers such as Ticketmaster or reserving cars/hotel rooms can all be done. DCBank also supplies CashStore (a large and convenient company) in Canada with the Freedom Prestige MasterCard, which can be used at ATM's, and roloaded through a CashStore branch.
Unlike many smaller Prepaid card programs, DCBank is CDIC insured, making sure your funds loaded are there, where many cards take your money and go bankrupt. And it can be used for secure online payments, anywhere the Cirrus or MasterCard logo is displayed, and opens doors that a gift card (where your name doesn't appear) can't.
for a mere $240 PER YEAR
what a RIP OFF
No one has mentioned DC Bank or CashStore's Prestige Card
DC Bank offers both a "virtual" bank account, meaning there are no branches to drive up to, and offers prepaid Mastercards and Interac cards. These are personalized with your name, so using it for purchasing through reatailers such as Ticketmaster or reserving cars/hotel rooms can all be done. DCBank also supplies CashStore (a large and convenient company) in Canada with the Freedom Prestige MasterCard, which can be used at ATM's, and roloaded through a CashStore branch.
Unlike many smaller Prepaid card programs, DCBank is CDIC insured, making sure your funds loaded are there, where many cards take your money and go bankrupt. And it can be used for secure online payments, anywhere the Cirrus or MasterCard logo is displayed, and opens doors that a gift card (where your name doesn't appear) can't.
BMO not so great if your previous address is outside Canada
I'm trying to apply for the BMO card as a newly landed immigrant, and because my last address is in the UK I can't even complete the online application form. I get declined for regular credit cards because I have zero credit history here, but how can I build it if I can't even get the prepaid cards?
Prepaid credit cards don't
Prepaid credit cards don't help to build a credit history anyway. Most banks offer new immigrants who sign up for a chequing account the option of a secured credit card. These usually require a deposit to be made in a GIC held at the same bank, and offer a credit card with a credit limit equal to the value of the GIC.
Alternatively, if you were an HSBC customer in the UK and open a chequing account with HSBC Canada, they will be able to check your credit history with your UK branch and use that to offer you an unsecured credit card. I took the HSBC route when I moved over in 2008 - initially the limit was only $1,000 but if you are careful and try to avoid spending more than about $350 of that in any month, then pay it all off when the bill comes, you should build a reasonable credit score pretty quickly. Within 18 months, my credit score was above average.
To get any of the credit cards available to new immigrants, you will normally need to go to the branch, as it requires some manual over-ride that only applications can't handle. Capital One to also offer a secured credit card for new immigrants - you will probably start to receive their forms through the post as soon as they find out your address! The banks often have better options available though.
Zoompass Prepaid Card Is Free
Zoompass offers a free reloadable prepaid MasterCard and also provides free money transfers. I signed up to the product a few weeks ago and use it regularly as I travel to the US alot. It is probably the best value for a prepaid card in Canada. You can check it out at: www.zoompass.com
Titanium Visa Card Problems!!!
I had a Titanium Master Card and it worked fine all the time.
Money mart told me they are no longer using Master Card and must convert to the Visa.
Since then I could not pay hosting fees, could not purchase books online.
In some purchases one can at least resort to paypal but not always.
This is so frustrating because as all large corporate entities, they simply don't care!
"Business as usual" It's the numbers game - as long as plenty register daily it's good business.
It doesn't matter that things don't work and that one can rarely get in touch with a representative to resolve the problem.
After waiting on hold for over 50minutes (yes and hour!) I gave up holding - this is in itself unacceptable.
I can't even use the card at a bank machine to withdraw funds.
I have tried to resolve things but no luck.
THIS CARD HAS SERIOUS PROBLEMS!
TITANIUM MASTER CARD WAS OK BUT VISA DOES NOT WORK 90% of the time!!!!
RJS - another pissed off working individual getting ripped off by the big-boys again!
Titanium Visa Card Problems-2
Same here. I was told the same thing. I have never ever been able to use this new Visa, except at a grogery store. I usually spend up to $500.00/month on US animal supplies (run a rescue group) when I had thier Mastercard. It seems this Visa is not accepted much of anywhere. When I called them and complained, they told me other customers were using it fine, and for me to "walk the company through????" that was unable to use the card. Tomorrow I call them and tell them off and find a new card. This is rediculous! EDP
TitaniumMastercard/ Visa is a rip-off
Titanium Master Card also sucks I loaded my card with 150$ for emergencies and didn't use it for a long time I went to use it and the balance was zero due to all of the fees they charge. 15.00$ dollars a month!!! I should have left the money in the bank at least it would have accrued interest Ridiculous!!!! I'm going with a Capitol one secured card now
Nextwave Titanium Plus Prepaid MasterCard Sucks - Peoples Trust
View Message
Message
Date 07/19/2010 10:57:22 AM
Subject Fees and Service Charges
Message July 19, 2010I see your company was able to charge me twice again for same monthly fees that I was charged for last month. Two months later I still have yet to receive a response for the original over charge and confirm an address update.
Response
No existing response
View Message
Message
Date 05/07/2010 3:12:41 PM
Subject Fees and Service Charges
Message Why do i have another monthly fee charge two days later after the first one in the same month? Your fees are ready ridiculous and the card dose not even have the same convenience of even a secured visa. More retailers are refusing these prepaid cards
Response
No existing response
Current balance: $0.25
View Message
Message
Date 05/10/2010 4:51:21 PM
Subject Card Transactions
Message More Card Problems. Gpotato transaction declined on your end "address entered is incorrect" Well it is up to date and correct. The funds are in limbo and not available to complete my promotion transaction, this card is becoming a real hassle again.
Response
No existing response
View Message
Message
Date 06/01/2010 2:35:36 PM
Subject Card Transactions
Message June 1 2010 Poor Customer Support ! I still am unable to use this card as you have not made any changes or even replied to emails over a month ago "no response" Just keep adding up the fees for fail attempts to use this useless card.
Response
No existing response
This is their customer service "NONE JUST FEES X 2 EVERY MONTH"
Proposal
Hello I have been in a proposal for the past year, and I am looking to start building my credit from the ground up again.. I need a credit card that will help me to that and not cost me an arm and a leg .should I go for the BMO .. I contacted capital one they said that I have to wait till the proposal is over is that true??
Help
If you want to get the
If you want to get the prepaid BMO card, there is no credit check anybody can get it, but it does NOT build your credit history, the card is not technically a credit card.
To build your credit history you can try asking your local bank about a "secured" credit card (they usually don't advertise it), where you deposit some money which is frozen for the card then after a year or two if your credit is good enough you can ask them to give back your money.
yes, there is a credit check with the BMO prepaid mastercard
I have talked to 3 managers at length about this and it will even show in the waver you sign. They do this check to make sure you don't have any fraudulant activity on your credit history but they dont care how low your credit score is. I have alos called transunion and talked about it.
be aware though, the credit bureau will be called and it will be kept on record. It may be a soft check, ie, not visible to many that check it but it will be there and could blow up in your face if you are trying to spend money you're not supposed to have, ie, during a bankruptcy proceeding.
the above notwithstanding, the BMO prepaid mastercard is the best one out there that has your name attached to it, the worst is the money mart titanium visa that gouges you for something like $8 pre month ie about $100 per year and they just suck in general.
TD Bank
As I read the comments about TD Bank, I can relate, since I have contacted them a few times to ask about an overdraft payment I believe was made a year ago and I get a different answer each time. I put my papers away a year ago, and now they are saying that I did not pay it, but I'm not paying it again until I can find my own receipts.Therefore, I cannot get a regular credit card since they have reported it as unpaid.
Thanks for the info on pre-paid credit cards
Hi Dan:
Thanks for the info on pre-paid credit cards. I was just about to buy the Vanilla Mastercard but opted for the BMO Travel Card instead. Just ordered it online. Applying for the card was simple.
By the way, I happened to drop into a local Western Union storefront and inquired about a prepaid Mastercard. They do sell them, but there is one whopping fee after another. Buyer beware. Ask for a print out of all fees that a cardholder has to pay.
Your web site is very useful. I appreciate your help. All the best.
Can I use this card in
Can I use this card in foreign countries? I am travelling to Japan and would like to use this card. Thanks
Assigning a name and address?
Please help! I want to book a flight with my Aeroplan miles by using a pre-paid credit card (haven't purchased one yet). I notice on the billing page, they do require that you enter the exact name and address that is assigned to the card. I understand that often with pre-paid card there is no name or address assigned to it. Does anyone know of one that will do this?? I read that the BMO Pre-paid Mastercard is a good option but I want to make sure it's possible before I purchase. Thank you to all who reply!!!!
I hope this answers your question
My husbands' friend travelled to his country on june 2010 he has a prepaid mastercard and he was able to pay his fare with i did the whole transaction for him and when it asked that you enter "the exact name and address that is assigned to the card" i enter his although the card itself did not have his name on it...but it was register to him..so it didnt cause him any trouble..as long as you have the money in the card it should be fine...and if they ask you for the card you show it to them...and thats all...i hope this helps you and have a safe and healthy trip!!
BMO prepaid
so I received the BMO pp card and it's no good for me! I bank with TD and they will not load the card and BMO is very aware of this, and BMO told me just to open a checking acct with them then I can do a transfer.. well WTH? i dont need another bank acct and have to pay monthly... hello i'm trying to save money not waste it! lol!! anyway, has anyone been able to load recently? I tried May 21, 2010...
thanks
Sarah
bmo ppmc
yes i reload my bmo pp mastercard all the time the only problem is that it takes 2 days because i do it as a bill payment from my hsbc accout. i hate waiting the 2 DAYS for the money i wish they would let u go in a put money on it right away. but that is the way i load it hope that helps
BMO Prepaid
This is VERY strange. I've been very happy with the BMO prepaid card since I got it over a year ago.
DO take their suggestion to open a chequing account for the purposes of loading your card. I did, and I certainly don't regret it.
Just go with the 'pay per transaction' account rather than one with a 'banking plan' with a monthly fee.
I have actually NEVER paid any fees to load the card, just so as long as thats all I do.
As well, they don't even necessarily need to do a credit check for the account opening. Just make sure you say NO to the credit check.
Plus, loading the card this way (in the branch) gives you instant access to the funds.
BMO Account Still = Fees
I received my BMO prepaid card today and I was ready to give them cash to load it:
"No, unfortunately, to give us cash, you need to open an account."
- "Ok, do I have to pay fees for the account?"
"If you deposit the money and put money on your BMO Mastercard we charge you 65 cents."
- "Do you have any no fee transactions, even though I'm only putting the money towards the CC?"
"No, but the other way to do it would be to do a bill payment from you bank, which takes up to 2 days."
...*(thinking: ridiculous)
- "I have another regular credit card with BMO and everytime I make a payment at a bank they never charge and don't require that I open up a bank account."
"Unfortunately the BMO Prepaid card is a different case" (ie: BMO wants you to pay them fees regardless)
no credit check?
where is the no credit check option on the online application?
There is no option, BMO never
There is no option, BMO never does a credit check for a prepaid card.
You can open an account at
You can open an account at BMO that is fee free. I just did the same thing because of this. I opened a fee free account that I use only to load the card.
I don't dare use that account for anything else because it cost a lot for any transaction, but to load the Mosaik it is FREE!
bmo prepaid
I have a scotia bank account all I did was add as a payee and pay an amount on the card no problem.
Yes I had the same problem,
Yes I had the same problem, you have to call TD and they will add the card for you.
Then you will be able to load the card through easyweb online, and remember min load is $100.
Report if you experience any problems.
Its weird because the BMO
Its weird because the BMO site does say that you can load it with TD:
"Some of the financial institutions that currently allow bill payments to your BMO Prepaid Travel MasterCard include:
* BMO Bank of Montreal
* TD Canada Trust
* RBC
* ScotiaBank
* CIBC
* PC Financial
* HSBC
* ATB (Alberta Treasury Board)
* TelPay
"
Perhaps its under Mosaik or Travel or another name.
The name used by CIBC for this card is "MASTERCARD, BMO PREPAID TRAVEL".
Same with NBC. I had to open an savings account with CIBC with a free transaction per per month because PC financial isn't available in the province of Quebec.
CIBC Bonus Savings Account
http://www.cibc.com/ca/chequing-savings/bonus-savings-acct.html
Scotiabank and RBC also offer savings account with free transactions that you can use as chequing(bill payments) without having to pay any fees.
it is in all online bill
it is in all online bill payments under "BMO prepaid matercard"
bmo prepaid mastercard
Hi, I have had the Bmo prepaid mastercard for 2 years and it has always worked just fine. I created it on my TDCanadaTrust site as a bill I can pay, and load it when I want to use it no fee, yes it takes 2 or 3 business days to transfer, but really what is that. If I want something it will still be there., If you need to be spontaneous, I mean really spontaneous, you need a real credit card.
p.s I have used this card in both Canada and the US no problem. The one time I did have a problem was paying at a Vancouver Island Resort. They were all confused thought it was out of the country. It was a large charge and they just ended up making two charges at the resort and it was fine. but that was once in two years so...,.....
thanks
How did you get it?
I applied for a BMO prepaid mastercard about a month ago and up till a couple of weeks ago I called them to ask what is going on... They couldn't tell me, but said they needed to transfer me to a loan officer?? I'm thinking WTF! Its a prepaid credit card (meaning theres no line of credit attached)... Anyways being on "hold" for this loan officer for well over 30min, I hung up!!
How did you apply for it??
BMO mastercard and paypal
I can't link the prepaid mastercard to my PAYPAL account for some reason yet I can link the vanilla mastercard... can anybody link the Bmo prepaid card to their Paypal.
bmo mastercard
yes, i have had my card linked to my paypal account for over a year now. i also opened a bmo account to transfer funds between account and card instantly online.
How long does it take to recieve BMO prepaid Card
I was just wondering how long it usually takes for you to receive your card in the mail?
I got my BMO card with in a
I got my BMO card with in a week of applying.
prepaid cards that can loaded
any prepaid credit cards that can be loaded with another credit card (except BMO) ?
PrePaid Cards for Gambling Sites
Which of the prepaid cards CAN be used at gambling sites (poker, bingo, etc)?
vanilla prepaid mastercard
This card also holds your funds for 7 days after the purchase has been cleared. They also have held funds that stopped the actual payment going to the retailer so that the purchase was declined. I bought a game for 14.00 and because they jumped on it and put it in pending transactions the actual purchase for 14.00 was declined. Even though the balance on the card was 27.00. When I tried to speak to someone from customer service they just kept going on about the company would still be taking the money when the funds become available someday. They will not listen to me when I told them that I have spoken to the company from where the game was purchased and the transaction was denied. They are holding the money for nothing and continue to stop payment on anything because they want to hold all transactions for 7 days as well as give the retailer the money. Every payment has to be on the card 2x for anything to go through. I cannot ever use the cards balance because of this.
vanilla prepaid mastercard
I am still waiting for the funds on the prepaid card to be released...I have never met any worse customer service reps in my life...They actually replied back to me today in Capital letters..They are treating me like I am very stupid because I wanted to know exactly when they are going to release the funds off my card. The purchases were denied a week ago because of them putting them on hold and they still will not release the funds. I do not recommend this card to anyone...Bad policies and very rude customer service reps. I will be looking else where for a prepaid card.
vanilla prepaid mastercard
I too would not recommend the vanilla prepaid mastercard. I was given a $50 gift card last November (2009), and without every using it successfully, it is worth $27.50. The customer service representative was absolutely rude. After seven months, they start charging $2.50 service charge (for what??), and a charge that was declined at the store (by Vanilla MasterCard), is now considered pending, meaning I can't access that money on the card. This is quite a SCAM!
CARDS THAT WORK ON TRAVEL SITES
WILL THE BMO PREPAID CARD WORK ON ORBITZ FOR BOOKING A VACATION FOR MY FAMILY? DOES ANYONE KNOW IF THE TITANIMUM CARD WORKS ON ORBITZ ? I AM SCARED TO LOAD THE FEW THOUSAND ON A CARD AND HAVE IT NOT WORK AND THEN HAVE TO WAIT FOR THE REFUND, OUR VACATION WON'T HAPPEN THEN. WHAT ABOUT POKER SITES AS WELL.
THANKS
Hotel info
I call copycraigs.com & always use 3V VISA CANADA
BMO Prepaid Travel Mastercard, Bankruptcy, & Facebook Ads
I'm considering declaring bankruptcy, but am concerned about how to continue running my small business -- especially in terms of paying online for my Facebook and Google advertising. Facebook says they will not accept prepaid cards, but that is when I tried to use a Vanilla Mastercard. Do you know if this would be the case with the BMO prepaid MC? Also, has anyone here been able to receive a BMO prepaid card while IN the 9-month bankruptcy? I'm wondering if I should apply for the prepaid card before declaring bankruptcy -- if I have no balance on the card perhaps I wouldn't be required to surrender it? Btw, I have no current dealings with BMO.
bankruptcy
Before you file for bankruptcy incorporate your small business online. That way they cannot go after your business, and you can still get credit cards in your business name....best of luck...
This is not true at all. When
This is not true at all. When you apply for a business credit card for a corporation, an application is done in the business name and personal name. If you personal credit is in bad shape, and the business has no assets, or history or strong performance, you are not going to get approved.
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