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only if you can get a credit card as below, : x) @; D" ^) q, ]5 k' M) ^# d
otherwise no need open account at China I/ F' g' y" z, n3 O( q5 q. x7 d
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after landed, the banking business you need to do is:+ Y+ |. \! k) P( ~
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1.pc financial 的 saving account and debit card6 j0 U. [1 E- k. W& }& ?* n- v( p
saving account ) v) o/ N: i) E: D$ Y
it's the safe and very high rate, cacu interest on day, get free check *****0 y; f, Y) S3 k+ d! I' N
*关键是刚来最好别存长期定期，不能提前支取（or very high fee),pc 只有 10天hold* q2 D4 T2 C# O2 o
debit card' f) Z0 [$ i$ s d: ? m/ r
it's free , use for first month to accumulate a little reward**
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2.visa card
* O% `; F' `0 a* V) jcibc divid credit card *****! R/ I8 y8 F0 g- ~3 a) T1 e
scotia bank divid credit card, S& C6 R3 c5 g* E
银行有一种信用卡,可以返1%的 点数或现金,到年底能返个百八十元的 apply as soon as possible, must be divid, you can get about 1 month0 k: g$ J/ C, t
/ u( `2 ~ L, @/ F$ v& {! c* R# p3.master card, Q7 E6 e" \# I
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
7 x5 \: @) f+ E9 ?you also should choice one can return cash, or airmile
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你如果有了半年以上的使用信用卡的历史，可以尽快到President Choice银行开个户，申请他的Master Card，优惠多多。在每个Superstore都有分部5 P: {) H' S+ R" l8 i" }2 F7 T
so anybank's master card is ok, cause you need change to PC credit card at : c z3 q1 p; F7 N1 e) @7 t; F
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*可以和银行客户经理谈信用押金的多少，这家不行就换一家，每个营业点有不同的优惠条件,运气好无须押金: ?' n' x3 q1 q% L/ v& A
TD is ok, 开户时存款$1000以上即可办理信用卡，信用卡的limited是$500，以后根据信用记录可以上调。上述$1000不是定期，可以随时用，但是如果帐户内的钱低于$1000，每次要收取手续费。老扬推荐的就不错, @' R" v9 h. G8 H9 `% y5 ~+ _
0 k/ i l" a6 J/ r1 `" m9 N6 N*一定要无年费，联名, 夫妻各办一种最合适0 m _0 e+ d0 s% _" `# t3 X+ ?8 H: u
*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。0 R; S1 a @4 S9 P* j' |) Y, ~3 _
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platium credit card:
" E$ L I% ^8 G# tuseful on car rent for covering insurance, also discount in gas! \3 l* c, t5 ^: @( J+ S) j# ?
citi bank is the best, but need at least 36000 anual income* r( r/ f. S( F9 w( a" W
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attentions:
5 D" l+ K' A3 X0 ?' j( Q) Udo not use credit card at very small shop, especially they print your whole 3 X( ?2 Z4 T5 v# X
card number on receipt. If you check the receipt from big store, it only 6 ?* `5 x1 h P' \; U9 e" d
shows end 4 number .This is new card rule, but small shop hasn't enough
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wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once7 E, s' H2 `+ K% b# B" \
do not withdraw cash , overdraft, and pay part of bill on credit card7 E) i8 L: a5 z. I0 C' }
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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; |, H1 ?" l2 q- W: @* H. u. E0 i[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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狗仔卡
发表于 2005-1-19 04:16
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发表于 2005-1-19 15:21
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