My credit card debt was on my bank letter but honestly, I don't think it was a valid reason to refuse. I believe the officer just wanted to refuse me. I had a friend whose credit card debt was huge and if it had been taken from his settlement funds, it would have reduced it to around $8000 but they still approved his PR. Don't worry about the credit card debt i think.
Okayyy... thank you so much !
BUT could you or anyone else just look at the following question as the CC things has triggered a sudden concern now!!!
I had submitted my POF as FD of 15000 CAD $ as a gift deed from my father. This bank account is in different city - 1 hr drive from my hometown ( could this be a concern)
It was a fresh account - no loan - and was ready with funds in Sep 2018. Had applied the file on Nov 2 though.
Balance Certificate and letter have been provided for this.
NOW, in a different bank in my hometown I have a normal saving account like everyone has for daily use. I had provided 6 months statements from this.
I do have a credit card debt going on in this same bank but haven't provided anything about that.
does it look FINE???
I am AOR Nov 2, only 15 days are left for 6 months to get over.
Single applicant FSWO - India
Eligibility is being reviewed
No ADR required yet
Background Check is going on since April first week.