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only if you can get a credit card as below, 5 H2 k9 z* h; }1 P2 G/ `
otherwise no need open account at China1 S, @6 ~3 ^/ ]6 H
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after landed, the banking business you need to do is:- d9 h3 W& j% V, y0 H
) l- l6 G8 Z9 @: k# U- \( ^1.pc financial 的 saving account and debit card
0 w. G% p; w) S; t% T/ s Bsaving account . k' }. D' Z H+ e
it's the safe and very high rate, cacu interest on day, get free check *****
1 Z7 e, }/ g. G( a7 n*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
5 g ]) o! V6 p1 z* Udebit card* [ x4 a$ w+ ^5 z' | @1 Q4 ~
it's free , use for first month to accumulate a little reward**; _% ~$ @/ d6 q9 Y9 p& B
5 h5 W2 u. ]$ D7 V* U& b' n. z; C2.visa card6 V& p* C% j0 x4 w
cibc divid credit card *****1 G+ ^! b* D- `' t4 E! ~6 V
scotia bank divid credit card
# F+ b. M5 C1 ?$ i- K" n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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8 x( @/ c" R% z. I6 j* `3.master card& d2 J% ^' j. w
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.# e0 I( Y) K$ Q& \3 b
you also should choice one can return cash, or airmile y; Y1 i. L d W
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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( F0 L1 G+ z) mso anybank's master card is ok, cause you need change to PC credit card at & y' h+ b4 Q' B( m( F" L: t- i
last- s3 y/ k( S* }. H
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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
& V$ K9 j$ k5 t/ V9 P) uTD 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$1000,每次要收取手续费。老扬推荐的就不错2 k/ _+ l7 F- v! K7 q* O
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*一定要无年费,联名, 夫妻各办一种最合适- `# p5 Z U# _: T8 g
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。, }% D$ x# E# B$ i$ ?
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4 s+ r P8 p" `5 Oplatium credit card:
+ k; X8 @. G9 N& @$ Puseful on car rent for covering insurance, also discount in gas
+ N& @- l- {) d; q4 A0 R8 r$ z3 eciti bank is the best, but need at least 36000 anual income( ?, j5 d/ X+ F8 G
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attentions:2 d# ~! I- h" O( C
do not use credit card at very small shop, especially they print your whole . J J8 R. i$ }' e4 n, s
card number on receipt. If you check the receipt from big store, it only $ ] N! q; M: U2 f* {
shows end 4 number .This is new card rule, but small shop hasn't enough
& ] V- M. a7 M% S5 mmoney to do it
4 _( l1 \8 R: q3 y* a* Pwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
U& K2 e, e. V! d- ?8 z% [/ Ido not withdraw cash , overdraft, and pay part of bill on credit card( y; U/ t5 A! D |
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ], v" `6 _. \# C+ o8 L" Y; D
4 M0 j5 o @! t9 \2 x( w" L2 D- W) o[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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