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only if you can get a credit card as below, 7 k- Z \7 K3 r. k8 I' n( m
otherwise no need open account at China
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after landed, the banking business you need to do is:* P$ ~6 D9 q, @% ~
T5 K* E/ C8 y: m1.pc financial 的 saving account and debit card, X" u6 o, B0 B' I. k- p" ^+ g
saving account 5 d2 D1 R% d( ~- U N$ ]# o% n
it's the safe and very high rate, cacu interest on day, get free check *****
3 [' K" z: z |$ K% j2 J*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. _( ^' ~3 @; n' W. |# X% n; M
debit card
% C. y2 {9 S& L/ g8 }it's free , use for first month to accumulate a little reward**! B8 L0 i2 B5 q0 m' i( q: E( Y
z" ~( a7 d$ |4 }5 T2.visa card
$ w' f% h; [4 W7 Y8 Gcibc divid credit card *****+ d( d. ^* ^' {5 Q. |# ^5 y9 S
scotia bank divid credit card) r6 w' _( |4 u! o c
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 \' m; W1 X J' s7 Z
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.# w$ j- }8 D7 M; n) T+ x
you also should choice one can return cash, or airmile
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- |/ n4 T& P3 k/ j0 N f; w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
& \" e3 s3 G* ~4 v) dso anybank's master card is ok, cause you need change to PC credit card at - g; s! f) P9 A: C- J
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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
6 r, J( K! Y+ S& c$ j# Z1 q& t( O7 NTD 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$1000,每次要收取手续费。老扬推荐的就不错9 e) y2 |/ k% E* A$ ?
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*一定要无年费,联名, 夫妻各办一种最合适- U4 O: ]; C, D' Z* 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。
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3 K0 y9 y% \) c0 y4 qplatium credit card:
8 t5 y: W5 D, e4 A" R8 W9 Guseful on car rent for covering insurance, also discount in gas1 ?# ?% [# H& U V0 e! ]& |
citi bank is the best, but need at least 36000 anual income0 Q& f) {2 W" o G
: P3 C: a: t7 L; D/ qattentions:
, O+ L0 o$ i2 L( d6 x9 Q1 Pdo not use credit card at very small shop, especially they print your whole
3 X4 K \' f1 q4 ^ A5 N/ X/ m S2 ~card number on receipt. If you check the receipt from big store, it only
m- f. e" m( jshows end 4 number .This is new card rule, but small shop hasn't enough . ^& L* D" c- k* l N6 i5 U
money to do it r! ]$ v# t9 h3 P) n" H7 Z% L) g
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once5 ?4 [; y) h" P6 A3 y2 T
do not withdraw cash , overdraft, and pay part of bill on credit card5 u/ `$ E* c# j2 Q% t
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]( q1 V7 r" C/ X* j5 s8 Y3 b: I: }
% w" E( ]7 V# k0 t[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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