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only if you can get a credit card as below, ( [+ L L# b" J3 R
otherwise no need open account at China
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" Y# K9 }4 G6 h! ?after landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card1 g& ~/ G) U+ k+ a( H$ R8 V
saving account
2 B; g1 B; l9 X0 P' X- `- P4 U/ G1 [it's the safe and very high rate, cacu interest on day, get free check *****
% x P5 u7 m X( l9 U: ]*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hold4 r/ ]& P/ j! Z4 o
debit card# N2 j% r' U3 B+ |
it's free , use for first month to accumulate a little reward**3 I1 U6 ?: A9 d. j# B2 K8 f, H
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2.visa card; G% h$ m L8 w4 z
cibc divid credit card *****0 o7 `4 W4 v& G
scotia bank divid credit card% a. ?; K* [7 @
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 l9 g- ^+ A% W: a2 o
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3.master card" F E8 U1 {( G4 F0 y) y3 \9 u! P* ]
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
* H# Y4 y/ p8 h1 [! i4 q3 Byou also should choice one can return cash, or airmile' ]: S4 m# a, [. r; {1 j
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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% k9 x" X7 m# N/ Y
so anybank's master card is ok, cause you need change to PC credit card at % I* D, D* `( e& w- z5 A% q: m
last
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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
. ?2 J0 b" w/ k, s, p9 KTD 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$1000,每次要收取手续费。老扬推荐的就不错7 E% H5 F. L" }$ D
/ ?& a) G* W* ~6 H*一定要无年费,联名, 夫妻各办一种最合适3 s6 x# F1 Q( W+ ~$ K
*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。
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platium credit card:
# c! n( B' {4 ~% g& Zuseful on car rent for covering insurance, also discount in gas* a, f' A1 j( S! g7 s; a
citi bank is the best, but need at least 36000 anual income
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' _2 _" f2 W ^/ c: c' m; Gattentions:
- h9 J s7 H+ b8 T9 Vdo not use credit card at very small shop, especially they print your whole
9 T2 {3 W% `- }) o" _$ t( H; ncard number on receipt. If you check the receipt from big store, it only
5 @3 i- A$ n2 ~3 Y. X/ `- yshows end 4 number .This is new card rule, but small shop hasn't enough ! p6 c& a* Z2 l' H. [- @) |
money to do it
: y( r$ G( a9 T7 a2 x) Uwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
. A4 ]2 {' e" g& T2 {do not withdraw cash , overdraft, and pay part of bill on credit card- t" Y& O2 R6 D3 w X9 j9 ~; ~
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[ 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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