And your local credit union will offer a secured credit card even if you have a bankruptcy on file.

All the major banks offer secure cards except bmo.

TD CANADA TRUST -- Offers Secured Visas.

Even after bankruptcy, TD CANADA TRUST told me that I could apply for a secure VISA. I wish CIBC would offer secure Visas for those who were bankrupt -- AEROPLAN.

http://www.tdcanadatrust.com/securedcards/index.jsp

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http://www.altiusdirectory.com/Finance/usa-banks

And what about when you're applying for a mortgage, student loan, or line of credit? Do you have to provide them with your SIN? CIBC asked me for it for a secured Visa because they said the deposit will create interest (doesn't make sense to me though). Anyways, I gave it to them since I needed a credit card (didn't have one at that time). I used to give my SIN to whoever asked then found out all the frauds and identity thefts happening that made more cautious.

Even cell phone companies and landlords ask for your SIN "to check your credit". Do they really need your SIN to check credit history? Honestly there should be some rules in place concerning who and under what circumstances they can ask you for that VERY sensitive piece of information!! I do believe some companies and institutions are asking too much. And who knows how they handle your information!!

Do you need to give your social insurance number when you apply for a secured credit card?

The answer is no. The law does not require you to present your social insurance number to any banks. Your social security number is private and used for tax purposes only so you do not have to share this number to anyone else save your employer, Human Resources, Revenue Canada and Social Development Canada.

Are you looking for more options for a secured credit card? Here's a list of Banks and credit unions offering secured credit cards in canada

Capitol One Secured Card
The security deposit for capital one can be as low as $75 to $300. They report your payment information to the credit bureaus each month, helping you re-establish your credit score.

The Home Trust Secured Visa
Home Trust Secured Visa required a security deposit as low as $500 and as much as $10,000. They report your payments to the crediut bureaus as well to help you improve your credit score.

Vancity Savings Secured Visa
This secured credit card is good for canadian immigrants. The security deposit is as low as $500 and your credit can be extended beyond your deposit. You can refund the security deposit after one year after all your payments havee been settled.

Horizon Plus Secured MasterCard

This secured credit card is open to all canadians who do not qualify for an unsecured credit card. You have to establish a GIC account to serve as collateral. The minimum security deposit is for $500.

HSBC Secured Master Card
The security deposit with HSBC is equal to the credit limit the bank will issue you.