I put $2000 down for a TD classic VISA. After 2 years when I want to get the money back, they won't allow me to do that. So I have to cancel my VISA card in order to unlock the money.
But once you got one card, it will be easy. The credit card application forms will flood in and every bank want to give you a card. Because you have built a credit history.
So the first card is the most important one.
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