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only if you can get a credit card as below, % z2 U# G7 B$ b b, e
otherwise no need open account at China( L% {8 Q* l& n0 w7 k
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after landed, the banking business you need to do is:4 B8 b% D0 A# d4 N* G
5 W. d) v. B; I2 L( P1.pc financial 的 saving account and debit card8 d6 w- z+ T; C8 Y: u6 ~
saving account % F' P2 _6 Y5 ]$ u( Z
it's the safe and very high rate, cacu interest on day, get free check *****
7 t. W% `* @/ S( {: s% X ^7 q*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
2 l [0 t( F' E1 \8 z; U0 }' r/ wdebit card- d0 z" Y" j/ K- p5 q" t
it's free , use for first month to accumulate a little reward**+ u) F: j9 i- r% A
% L. k0 H& Z2 b4 x2.visa card
3 Y4 r* i0 C8 _8 y1 [# G3 f& ]6 g* z* O6 _cibc divid credit card *****
' f- v( C1 u# }% Z# _" zscotia bank divid credit card1 h L9 c- U7 D" |) T ]5 g2 h
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 month
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3.master card) x& R8 {+ ]1 C# i+ a3 A
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.# d/ o9 M2 F8 x0 j
you also should choice one can return cash, or airmile" X- _% \$ D% j+ m
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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4 q6 @+ R7 M! o( C
so anybank's master card is ok, cause you need change to PC credit card at ! P# X* [9 E$ e
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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
! }5 B; V o+ M7 J2 G8 [) XTD 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$1000，每次要收取手续费。老扬推荐的就不错; x& J2 J$ D" ~5 S2 H- H: V
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*一定要无年费，联名, 夫妻各办一种最合适6 q( q1 m- U4 m8 |
*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。/ r3 T: ^7 H% j, i4 D' P2 t8 w
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5 v& e& m* B0 p8 Splatium credit card:
# M: y/ _" Y7 J0 N1 `* yuseful on car rent for covering insurance, also discount in gas+ P+ H; R# h2 k$ }; h5 A
citi bank is the best, but need at least 36000 anual income: y9 H2 h3 p+ f) L
# o: k: @" z$ i( c; r/ \attentions:
; V+ |/ ~' n4 N' h5 R7 Q# Rdo not use credit card at very small shop, especially they print your whole
$ ]$ J9 R: X! M! S. L' _ T5 hcard number on receipt. If you check the receipt from big store, it only
# k1 G( _9 j% K/ V: k, Sshows end 4 number .This is new card rule, but small shop hasn't enough
6 B o7 E( S R0 S! e" a( t" _1 jmoney to do it* l* e6 v# Q3 O
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
6 X2 d. _; e2 Ido not withdraw cash , overdraft, and pay part of bill on credit card7 G. { M' t5 ^) H! R) X
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]' S: z6 k7 b7 S( g1 c
' \* ?4 w. X$ t+ _; ]/ |% L' A[ 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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