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only if you can get a credit card as below,
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after landed, the banking business you need to do is:
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) F4 V/ ~9 i7 B! _% I5 H1.pc financial 的 saving account and debit card7 o3 V! u' }; k9 [1 b) F
saving account
% E- O1 `" I( d2 j. h! [& |3 Rit's the safe and very high rate, cacu interest on day, get free check *****
9 a; M% d8 O" K# y. x; J, M*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; Y2 t: G" `4 W/ `( x! ]
debit card
/ B% j2 Q0 U/ b' T' X' Xit's free , use for first month to accumulate a little reward**5 B7 {" F+ A: {6 P0 C( d
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2.visa card
. e6 H4 v6 N `cibc divid credit card *****
9 C) Q# D0 }$ P5 Y) L0 z# Mscotia bank divid credit card
8 @- j8 m) i8 A5 Q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/ Z- p' r4 L4 y
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time., t; Z, @. T4 Z' Q
you also should choice one can return cash, or airmile8 ~! P: ~, f+ i6 b3 |
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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0 w% u; ^' d O7 D- E5 h3 U
so anybank's master card is ok, cause you need change to PC credit card at
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I0 f- V6 I! t! ^3 M. z& Q*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 O( d6 a: N; P* o3 j' G
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$1000,每次要收取手续费。老扬推荐的就不错" Q+ v9 B2 T% p9 j7 p& Y
& o/ [9 D5 G+ ~# n*一定要无年费,联名, 夫妻各办一种最合适0 [9 \ Z5 A/ i
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。3 u% R3 w2 V# h. K
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platium credit card:4 u0 K/ l: c* Q* r( Q1 U
useful on car rent for covering insurance, also discount in gas
: G" S! a" |8 T1 S0 [4 |, d$ Dciti bank is the best, but need at least 36000 anual income5 a( L% V/ }, p; q# s
+ M& V0 `& D7 S% Sattentions:, L; h+ j1 j# q# I- H; R" y
do not use credit card at very small shop, especially they print your whole
7 [) R. X( B! X# t$ q4 k6 mcard number on receipt. If you check the receipt from big store, it only 7 Y" t" i5 p- J7 W7 h
shows end 4 number .This is new card rule, but small shop hasn't enough
$ _6 w3 R3 o) nmoney to do it
4 L9 t: a' e4 v( rwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
- k- p5 T n0 d" _" n" T, mdo not withdraw cash , overdraft, and pay part of bill on credit card
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) A( { a6 _, x* s[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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