It isn't just Canadian. The French do it that way too. Interestingly, you can also have a credit card without having a line of credit associated with it, at l

It isn't just Canadian. The French do it that way too. Interestingly, you can also have a credit card without having a line of credit associated with it, at least in France, I don't know if it's the same in Canada... I personally have an Amex and a Visa card, both linked to the same bank account, which has no line of credit.