GIC
Guaranteed Investment Certificates (GICs) offer slightly higher rates than Term Deposits however they cannot be cashed prior to maturity. GICs can meet both short term and long-term savings goals and are well- suited to a program of Staggered Maturities.
don't call them, walk to any bank, sit down, give them your identification and open an account. deposite 10 grand, and say, "by the way, i want a visa card, but i have no job now, can i have a collateral one?". i bet they will say OK unless you have some bad credit history...