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only if you can get a credit card as below, 6 h- R0 e. G/ y4 l* W1 f
otherwise no need open account at China* y% M, H! c8 ]5 G
' u* T l( T5 m( k. [4 iafter landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card: b7 c8 F1 @ P, F- t6 A
saving account " m2 X; G& S& N$ Y, G0 I% @1 ]. ]
it's the safe and very high rate, cacu interest on day, get free check *****+ b% ?$ V) c; Z9 P
*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
( Y( \& n" t" h+ t$ z* Hdebit card5 r7 H+ o! ?6 k9 x; C+ T
it's free , use for first month to accumulate a little reward**4 O5 {, }4 g+ V; d- \6 j
& F$ t9 M$ b4 T2.visa card7 a7 V- e' M% t5 T9 D
cibc divid credit card *****
: N* F' n% i: U+ J/ w" y3 qscotia bank divid credit card' [- Z+ q/ ?- V6 L/ @* ^# o
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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2 d8 z( X4 |& V! W: i/ e, Q3.master card$ y9 e3 l5 i9 E2 n+ k. @7 L
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
4 C/ m% w2 Q5 [- Eyou also should choice one can return cash, or airmile3 S7 ?3 U/ e$ ]7 _3 z
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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
, c! Y3 u# \6 Q- Z* K. Oso anybank's master card is ok, cause you need change to PC credit card at 4 q3 N0 G, O3 c4 h# l* k5 j4 ^
last! E. u8 L' ?6 v+ o) x5 f, q
& j8 `9 F* Y1 V" e*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# u7 J) z2 t, i+ J* h
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$1000，每次要收取手续费。老扬推荐的就不错1 R. g4 k9 M3 Z4 o
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*一定要无年费，联名, 夫妻各办一种最合适
. L# B5 U4 M) ~$ [; [7 y! f" \*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。, `5 Y' O! W; ^/ Q; |+ g6 R) ?
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. ?' _2 e0 E9 y+ H) s0 i7 `platium credit card:
' n: F- K! m9 X d, x& Nuseful on car rent for covering insurance, also discount in gas
. T: G2 w; k0 A4 Gciti bank is the best, but need at least 36000 anual income( H- C9 O/ Q1 ^2 Q
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attentions:
" C, J9 o: I( v( l: vdo not use credit card at very small shop, especially they print your whole - f7 G4 o: }# g
card number on receipt. If you check the receipt from big store, it only $ E/ \ J1 g: L n
shows end 4 number .This is new card rule, but small shop hasn't enough
! c3 B: f6 [7 i L. I T; Wmoney to do it
' s* q. a( B% L; B/ C! fwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once! i% C) V2 j3 E3 d# H
do not withdraw cash , overdraft, and pay part of bill on credit card
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]! U5 m) p! g1 o! ]
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[ 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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