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only if you can get a credit card as below,
& L4 q) D# W" ~" E" _1 f/ L2 Fotherwise no need open account at China
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after landed, the banking business you need to do is:1 J8 }+ c2 h, U% a0 H1 I
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1.pc financial 的 saving account and debit card. U* u8 J% E! \' r0 H. X
saving account ( H) K3 _" B4 a U. J/ V
it's the safe and very high rate, cacu interest on day, get free check *****: X+ S& t' n' S l
*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
* R ?8 C9 }0 v3 F7 udebit card
* |6 h# \2 y# }, Z' c( @it's free , use for first month to accumulate a little reward**% A! F2 L. T* A
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2.visa card
3 w- p0 {& j% r0 @' i5 s ucibc divid credit card *****4 ?: e- f0 y2 \; G! U/ U% p8 c% L( t8 A% \
scotia bank divid credit card
) }* l' v3 {3 ?2 h3 `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# _- `7 n$ h% p& A8 q" `4 N* x! V% t
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.' b9 h* a7 Z, c f) m5 ?
you also should choice one can return cash, or airmile
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- D) H: Y1 Z5 P U9 F. f) s0 o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
1 U$ D! x2 |& b# E9 R8 R# hso anybank's master card is ok, cause you need change to PC credit card at
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! k; D! B& O& D7 I1 q- }1 d- D6 W* V*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
! V+ ]" r6 a _5 Q6 ~3 zTD 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$1000,每次要收取手续费。老扬推荐的就不错/ k9 s( X' _, _, Q: k7 h
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*一定要无年费,联名, 夫妻各办一种最合适
5 d- x, e0 V1 | \8 u; \+ h$ l7 s*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。7 ?8 X: {% p* G' l$ q5 `
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( W2 K/ F% P9 j {: _! P8 G# xplatium credit card:2 B& }! C: F( M( F
useful on car rent for covering insurance, also discount in gas
2 w2 q) i. X& z$ _citi bank is the best, but need at least 36000 anual income/ P0 q" ?. f7 `$ z' ]8 h
* S: ^% E( \$ U( }% Tattentions:
3 S2 n2 I6 M( C; Sdo not use credit card at very small shop, especially they print your whole
% y4 X8 w, E6 H0 P! F& H# Bcard number on receipt. If you check the receipt from big store, it only / X( t) E# z1 X9 b4 C% x+ c
shows end 4 number .This is new card rule, but small shop hasn't enough
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wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once0 N. ^7 b" A1 e' f2 \1 s
do not withdraw cash , overdraft, and pay part of bill on credit card' ?5 c4 W/ x+ r9 w$ ^: t6 V) {
. g; S& |( U) T0 g5 ]2 y6 n[ 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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