One thing I have done recently is get myself a Canadian MasterCard. It's from HSBC, simply because it has no annual fees and puts most of my banking with the one bank. It feels easier to set up pre-authorised debits within the one bank, and doing so ensures I'll never miss a bill payment.
The only real pain was needing to leave a deposit of "twice what your limit will be". If you want a $1000 credit card, you have to leave a deposit of $2000 for two years. On the bright side, they do give the 3% per annum interest back to you at the end. Lovely.
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