then, online applying for you CIBC Classic Visa Card (no fee charged)

it took about two weeks for me to obtained it, once you got a Credit Card , you can apply for another one (Master Card ), to obtain your credits from these two main Company( Visa & Master). You can not always use the credit card ( American express)from your company , it just earn credits for your company .

I am not professional on this case, any comments from experts is highly appreciated.