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only if you can get a credit card as below, 4 B+ V+ H, Y- }$ z, P/ G+ e+ b H
otherwise no need open account at China
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1 }4 i- h' Y& f" Nafter landed, the banking business you need to do is:
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. ^* _3 C4 h. t$ X) k3 J8 {, r1.pc financial 的 saving account and debit card: y1 b+ t4 Z& l
saving account
- |' J4 g I2 P8 P4 r: Hit's the safe and very high rate, cacu interest on day, get free check *****
3 M' k" X. \. O4 X" x. |*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
" Y8 @/ B/ {- b* U' N( f+ N7 xdebit card
4 p, _9 y# H9 {+ ?$ | tit's free , use for first month to accumulate a little reward**
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6 B$ D4 y! ~2 _ K0 G5 @: k$ M2.visa card O7 D+ c Y8 U
cibc divid credit card *****
0 h9 i; N4 \0 m& D: ^6 wscotia bank divid credit card3 d3 k9 ]) D+ i; q$ E9 f- ]
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: C! f5 z, D$ a' ^, j* Y/ ?
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
) \+ ?. d1 I& c e) ]+ jyou 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
) x B% X# d3 p9 U4 Oso anybank's master card is ok, cause you need change to PC credit card at , g- b8 M+ _3 l& B! Q; c% J
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; `- v2 v! o: @! n# N, j
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$1000，每次要收取手续费。老扬推荐的就不错
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' J! y7 j N' V; K6 u*一定要无年费，联名, 夫妻各办一种最合适
6 i2 }1 g" U( ^% y9 D* x5 a9 q*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:8 D3 O4 t; a& j$ q) \
useful on car rent for covering insurance, also discount in gas
' i+ Q4 s$ l0 `/ b% `, g4 P: t. bciti bank is the best, but need at least 36000 anual income* G# i, T2 X/ g
+ p+ M/ u; i& c2 _, Battentions:
3 Z+ C( L) ?4 w+ {# x3 D* M/ ]& Zdo not use credit card at very small shop, especially they print your whole ; D5 p; l8 {/ ]5 `) }2 u% D
card number on receipt. If you check the receipt from big store, it only 0 Y* l, R! P) B3 |! L6 S; R
shows end 4 number .This is new card rule, but small shop hasn't enough
1 f. F& ]& X; u! K) Y9 fmoney to do it: p. z7 L- a+ X- a" _! L
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
( g* s7 H; H7 K; tdo 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 ]
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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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