Okay that's annoying.
Are we talking about a refugee wanting a cc? Or are we talking about getting a cc in general?
Being a customer with Coast Capital & RBC (& Berliner Volksbank) I never had any issues getting a cc. And I don't know anyone who had - and yes, there sure are some who'll have issues.
And yes, I'm talking about newcomer or PR... Canadian Banks want and need to have cc customers more than ever these days.
Ok, done here.
To the TO, it really doesn't matter as you've been told already, banks are oprerating pretty much the same, so I would look at three, compare and decide what works best for YOU and YOUR situation!
cheers!