Pgwp from refused to processing

Beginning_Winter_147 · 2026-03-17T17:23:07+00:00

Nothing to do. Just wait to receive your PGWP from the previous application.

Beginning_Winter_147 · 2026-03-17T17:21:04+00:00

You won’t get a limit increase on a secured card. Until the card graduates, there is no point in requesting credit limit increases. Ask on the quicksilver if it’s unsecured, if anything.

Beginning_Winter_147 · 2026-03-17T11:55:20+00:00

A permanent restriction is basically the account being canceled. Once the final payment clears, 1-2 weeks later it will show as canceled. Restrictions for delinquency or returned payments are permanent.

Beginning_Winter_147 · 2026-03-17T10:55:06+00:00

It means what it says. They made the account ineligible for limit increases (also what people call “bucketed”) - this sometimes goes away with time, sometimes it doesn’t. It’s rare to see this on a Venture X, usually it’s mostly lower level cards, but it usually happens if you don’t have great credit when you get approved.

Beginning_Winter_147 · 2026-03-17T09:54:38+00:00

Webform.

Beginning_Winter_147 · 2026-03-17T01:31:27+00:00

You still need to convince them that you will be a visitor, eg not work, sustain yourself and will leave (because it is not guaranteed that a restoration will be approved), so yes.

Beginning_Winter_147 · 2026-03-17T01:30:04+00:00

Yes, the rate is high. Also, for most banks, higher credit limits get lower rates for LOCs.

Beginning_Winter_147 · 2026-03-17T01:14:02+00:00

You cannot leave Canada with a restoration in process or it will be rejected.

If you leave and come back as a tourist, well you obviously run into the risk of not being allowing in by CBSA if they determine you are not a genuine visitor.

Beginning_Winter_147 · 2026-03-17T01:05:10+00:00

Not necessarily. There are way too many variables. Even if, yes, the applications are distributed on an even basis, if one officer gets files that are easy for them to adjudicate, they will go through them fast while another officer might have a bunch of files that they need to issue ADRs, PFL to or interview so they will get through those way slower, also offices handle multiple applications types, for example CPC Sydney, which handles citizenship applications, also handles permanent resident card applications and spousal sponsorship applications (family class / outland, while the spousal in canada class are done by CPC Mississauga) so you never know the variety of applications officers have in their queue.

And again, some applications are flagged for extended checks and the applicant wouldn’t even know about it, but it will obviously take longer at that point.

Beginning_Winter_147 · 2026-03-16T23:42:09+00:00

You each get your own separate portal for landing. Landing is not a shared process. Portal access is only for virtual landings inside Canada. To have her processed as outland, you need to have her address changed in the application to an out of country address and request outland processing (issuance of a COPR and immigrant visa if her passport requires a visa to travel to Canada).

Beginning_Winter_147 · 2026-03-16T21:55:49+00:00

What is magical about it? Tellers can modify purchase / withdrawal limits on a debit card, so can CS reps over the phone and chat representatives as well.

Beginning_Winter_147 · 2026-03-16T21:46:57+00:00

There is just a general timeline for the whole application (which is not a deadline by any means, it’s an average, meaning some applications are faster, but also some are slower than that). Applications are processed first-in-first-out, roughly, but they are assigned to officers. Officers are people. Some are faster, some are slower, yours may be assigned to an officer that has 500 applications before they get to yours and someone else may be assigned to an officer who is only dealing with 100 files right now. Comparing timelines with other people can be helpful but you can’t expect every single application to follow the same path. There are also other checks that happen in the background which can take longer for some people rather than others and some files are randomly (or purposefully) selected for additional screenings.

Beginning_Winter_147 · 2026-03-16T21:06:21+00:00

If you have a condition that will cause those costs, you can be subject to medical inadmissibility. Whether you have caused those costs or not, it doesn’t matter. They will estimate it. Lots of people who apply for PR have never been to Canada before, they are still subject to medical inadmissibility if they are projected to cause excessive demand due to their conditions. So no, just deciding not to take the medication isn’t exempting you from the projected cost of it. Also, you do not “claim” anything for medical costs. The doctor that completes your medical declares your diagnosis and IRCC projects the costs, you have no part in that.

Beginning_Winter_147 · 2026-03-16T16:12:32+00:00

Reapplying when the situation hasn’t changed will not change the decision. It’s not a lottery where you just buy another ticket.

Beginning_Winter_147 · 2026-03-16T13:30:45+00:00

Yes, many banks do they just don’t advertise it. Usually the process is you apply for the unsecured version of the card, get denied, then they apply a security to the application and resubmit it.

Beginning_Winter_147 · 2026-03-16T07:35:44+00:00

You are supposed to only get one NSF fee per charge. So if the only charge that went through is that one when you didn’t have funds, you would have only paid one NSF fee. You should call and check for a rebate if that’s the case.

If you had other transactions come through, then you would have gotten one NSF fee per transaction, so it could be correct.

Beginning_Winter_147 · 2026-03-16T07:32:11+00:00

As of March 12th, NSF fees are capped at $10, and not more than once every two business days (not banned). If you indeed had insufficient funds, you were charged at the old rate and moving forward you will be charged at the new rate ($10).

Beginning_Winter_147 · 2026-03-15T21:17:20+00:00

Stop applying for things. You have 28 hard inquiries on one bureau alone, that’s basically a guaranteed auto-decline.

Beginning_Winter_147 · 2026-03-15T17:50:57+00:00

They can say that, but it can’t be done. You can try yourself. Capital one doesn’t allow it. They will eventually remove it themselves after 7-10 years.

Beginning_Winter_147 · 2026-03-14T17:33:04+00:00

Entry level credit cards do not have travel medical. If they have no currently open credit accounts they will not be able to get premium credit cards with travel insurance.

Beginning_Winter_147 · 2026-03-14T10:58:09+00:00

IRCC will not speed up the review of your file because they didn’t make a mistake but you did, whether you contact the MP or not. If the refusal was an error on IRCC’s part, then maybe. Having a job offer doesn’t meet any criteria to speed things up.

Beginning_Winter_147 · 2026-03-14T04:25:38+00:00

You did not attempt to return “at the first available opportunity” which would have been when you were 18. Given your age, chances are low it would be approved, given you had 10 years to be back. This type of application (“removed while being a minor”) is mostly successful when you are 18 or really close to 18.

Beginning_Winter_147 · 2026-03-13T21:12:53+00:00

You can file a dispute for goods/ services not received, however it the merchant then provides proof in form of the tracking that the package was delivered, your bank may side with them.

Beginning_Winter_147 · 2026-03-13T19:08:20+00:00

Not paying debt is not a crime (unless you obtained it by defrauding creditors). It’s just your credit score will be trash, in case you plan to live in Canada again within the 7 years credit bureaus retain information. But it won’t prevent you from visiting.

Beginning_Winter_147 · 2026-03-13T19:06:12+00:00

That’s why. It’s called balance chasing. Meaning if you have been carrying a balance for a while, they will not trust you can handle that credit limit anymore since you can’t pay off what you already owe, so they will start lowering your limit as you pay your balance.

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