This is an awesome note which might reveal the facts you are looking for : http://www.canadavisa.com/canada-immigration-discussion-board/step-by-step-processing-of-fsw-application-by-cio-and-vo-t137628.0.htmlANAHUS said:If there is the case of CC charge and then rejection,this is a bit unclear to me because as far as I understand they charge CC/encash DD only after points are calculated and applicant has at least 67 points.Otherwise isn't the process a bit complicated(as in A->C->B rather than A->B->C) because rejected applicants as far as I know will be getting their money back or not charged at all(if points don't at least meet the threshold).Will be grateful if someone please explains or clarifies.Thanks.