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Submitting a credit card application is your way of requesting access to credit. The main risk to a credit card issuer is that they will lend money you cannot/will not payback. For this reason, applying for a credit card requires that you demonstrate to the card issuer (lender) you are a responsible and capable borrower.
In addition to basic personal information, such as your name, date of birth (you must be 18 years of age) social insurance number (SIN,) and address, a credit card issuer may also require your:
In addition to all of this, the credit card issuer will also want to review your credit history. As part of the application process, you have to authorize them to run a background check with one of the Credit-reporting agencies. The agency will provide the issuer with a copy of your credit report, including your credit score. Your credit score reflects your payment history with other debt obligations.
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