In Canada, as in the USA, the credit rating system is widely used.

In our countries of the former USSR, there is also a credit rating system, but it usually only affects the ability to take out loans.

No one asks for it, for example, when renting housing or buying a SIM card.

I would even say that it is considered good manners not to have any credit cards or debts.

In Canada, it's just the opposite. You open a credit card, use it for payments, and raise your rating.

Sounds good, right? It is. If you're not an immigrant with no Canadian history.

Below, I'll describe my experience dealing with this system's challenges.

I'll share some information about certain aspects of obtaining documents in Canada.

For instance, a driver's license.

Once you obtain any official status in Canada, you can start opening accounts and processing various documents.

For example, this is how a bank card is opened.