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only if you can get a credit card as below, . o$ G% e6 c" m$ u' P$ `
otherwise no need open account at China
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after landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card# `5 K' u# S! n9 y9 w. k8 A
saving account 4 L5 s1 C( S9 T; R& Q+ ?; x
it's the safe and very high rate, cacu interest on day, get free check *****
# h2 l$ U6 [/ d; J4 \/ S* s*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
% k( B. i" c. v7 X2 J$ Edebit card! o4 R, w; M# y6 q( `5 g2 M
it's free , use for first month to accumulate a little reward**
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8 }6 o# ]# X8 Z% {5 E' L2.visa card
4 X; r) }# F! g, r# ncibc divid credit card *****
7 G9 X) S: [1 O5 G$ @scotia bank divid credit card7 _3 r5 y6 ]3 F, g; 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 month0 Y& j% O- s( V1 _: R4 c
; N8 A2 q& m* e! N( |, l3.master card
8 R+ m% k' M5 O) T! e+ Dsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.( f9 c8 z9 B! M8 x. N/ d. j
you also should choice one can return cash, or airmile9 ^5 e$ Q) y: d
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4 t" W1 W9 T; N6 K# O4 d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
/ \: y4 L/ q/ Z& q; dso anybank's master card is ok, cause you need change to PC credit card at
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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8 B# }! V) w0 x4 b1 r
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$1000,每次要收取手续费。老扬推荐的就不错% a& I0 H5 G( k7 C: _
) f- X) ~1 I9 ]$ l) t, c7 @8 E*一定要无年费,联名, 夫妻各办一种最合适! w# ^: K, o8 R& |8 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。# u- O; L* M* `3 z7 y
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platium credit card:4 u- V$ Z! W5 T8 D
useful on car rent for covering insurance, also discount in gas
# `2 }/ R, }5 c: gciti bank is the best, but need at least 36000 anual income
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attentions:' B j. Q) W& C
do not use credit card at very small shop, especially they print your whole
4 Q! h4 ~0 }1 o( d. a$ C$ ycard number on receipt. If you check the receipt from big store, it only - s$ w2 ]$ K( s! ?. e8 P
shows end 4 number .This is new card rule, but small shop hasn't enough 9 T( P( ^: l, t2 S" }* ?: g
money to do it* i- w# X) c6 j. s3 j, o, h# i
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once" n8 [) g* U& u1 U; b! H1 P
do not withdraw cash , overdraft, and pay part of bill on credit card) T \" X* t2 y! k
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]% i6 C( w4 U( `8 C- ^7 ` W- H" q7 H
# g) b' ?3 D ^& z[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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