RBC ION+ Visa®

Visit the RBC Website. The first step is to go to the official RBC (Royal Bank of Canada) website. This ensures that you're accessing accurate and up-to-date information about the card.

Navigate to the Personal Section. Once you're on the RBC website, look for the "Personal" section. This is typically located in the main menu at the top of the page. Click on it to proceed.

Go to the Credit Cards Section. In the Personal section, you'll find a variety of banking and financial services. Look for "Credit Cards" and click on it. This will take you to the section where you can explore the different credit cards offered by RBC.

Select 'View Credit Cards By Category'. In the Credit Cards section, you'll have the option to view credit cards by category. This will help you find the right card for your needs. Click on 'View Credit Cards By Category' to proceed.

Choose 'Rewards Credit Cards'. Since the RBC ION+ Visa is a rewards card, you'll want to select "Rewards Credit Cards" from the list of categories. This will narrow down your options and make it easier to find the card you're looking for.

Select the RBC ION+ Visa. You'll see a list of rewards credit cards offered by RBC. Look for the RBC ION+ Visa and click on it to learn more about the card and its features.

Click 'Apply Now'. If you've decided that the RBC ION+ Visa is the right fit for you, you can click the "Apply Now" button to start the application process. You'll be asked to provide some personal and financial information, and then submit your application for review.

Be a Canadian Resident. Applicants must be residents of Canada to be eligible for the card.

Have Reached the Age of Majority in Your Province. Individuals applying for the card must have reached the age of majority in their respective province or territory.

Have a Good Credit Score (>760). While specific credit score requirements may vary, a good credit score, generally defined as above 760, is typically required for approval.

Low Credit Score. Your credit score is a measure of your creditworthiness. If your score is low, it may indicate to the credit card issuer that you're a higher-risk borrower. As a result, they may deny your application.

Insufficient Income. Credit card issuers want to ensure that you have the means to repay your debts. If your income doesn't meet their minimum requirements, or if they believe that your debt-to-income ratio is too high, they may deny your application.

Negative Information on Your Credit Report. This can include things like late or missed payments, bankruptcies, or charge-offs. These types of negative marks can make credit card issuers wary of lending to you.

Too Many Recent Credit Inquiries. When you apply for a credit card, it results in a hard inquiry on your credit report. If you have too many of these inquiries in a short time, it can make it appear as though you're desperate for credit, which can lead to a denial.

Not Meeting the Card's Specific Requirements. In the case of the RBC ION+ Visa, there are specific income requirements that applicants must meet. If you don't meet these requirements, your application may be denied.

Online Banking. With RBC Online Banking, you can pay your credit card bill at any time and from anywhere. You can also set up automated recurring payments to ensure you never miss a due date. To use this service, log in to your RBC Online Banking account or enroll if you haven't already.

Mobile Banking. RBC's mobile app allows you to pay your bills with ease. You can also use the app to view your credit card transactions, statements, balance, limit, and available credit. If you've lost or misplaced your card, you can even lock it using the app. Download the RBC mobile app to get started.

Automated Payments. In RBC Online Banking, you can set up automated payments from your RBC bank account to cover your minimum or last statement balance each month. These payments will always be withdrawn on the statement due date, and you'll continue to receive a monthly statement.

Telephone Banking. RBC Telephone Banking provides instant, 24/7 access to your credit card account. You can pay your bill from an RBC chequing or savings account, check your account balance and activity, and speak to an RBC telephone banking specialist for any questions.

ATM. You can pay your credit card bill at any RBC ATM. All you need is your RBC Client Card and your confidential PIN. If you don't know your PIN or need to reset it, you can visit an RBC branch.

In Branch. Credit card payments can be made at any RBC Royal Bank branch in Canada.

By Mail. You can mail your payment using the addressed envelope sent with your statement. However, please note that if postal service is disrupted, you're still responsible for ensuring your payment is made on time.