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only if you can get a credit card as below,
8 j% @: x* I% q2 `( l# o3 jotherwise no need open account at China; c. [3 }" J6 h! G; e
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after landed, the banking business you need to do is:; O b4 a4 }) m2 b! I( c
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1.pc financial 的 saving account and debit card$ J5 @. F. C8 V' G
saving account * C: w, W: A( q, d
it's the safe and very high rate, cacu interest on day, get free check *****) R Y: D2 `) Z+ }; N, V
*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& J; a8 Y7 [. l9 Y+ j6 Z; |3 `
debit card
8 B: R' [! R9 `% H/ U0 mit's free , use for first month to accumulate a little reward**
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2.visa card% b3 M7 y3 P L' p$ j
cibc divid credit card *****
+ d: d9 X: _* Q) g5 e- Jscotia bank divid credit card. K. V1 x7 g+ H6 v0 {. B. q2 K
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 G5 o3 p! h [% z/ B+ T% M; Qsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.5 m% j' Y% y7 k d: ^. o
you 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
, Q, ]5 b2 Q! S# v8 oso anybank's master card is ok, cause you need change to PC credit card at ! h! ]9 Y3 w) F7 P% r/ F- K; g6 b* z
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) d" \) ]& V# F- n7 l
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$1000，每次要收取手续费。老扬推荐的就不错
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*一定要无年费，联名, 夫妻各办一种最合适
* N$ e9 }0 b) D*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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' m: `7 U/ R7 p$ \6 @9 j! ?platium credit card:
9 z1 W7 }; e0 `5 J! B* Y0 r* Zuseful on car rent for covering insurance, also discount in gas
# Q+ q4 V. p9 H" M" U# ]- Bciti bank is the best, but need at least 36000 anual income6 |8 ]% z7 j$ ?' ^" n8 k7 P$ b
2 y2 |( I O$ H y$ U4 U8 Pattentions:5 T1 ?! O6 I2 l) V8 U1 T. C
do not use credit card at very small shop, especially they print your whole
; z5 k% N. i. ]6 D5 \ _1 R0 Y; \' \card number on receipt. If you check the receipt from big store, it only
8 ]5 `7 U: P% Nshows end 4 number .This is new card rule, but small shop hasn't enough
J) A+ J( R: j- o' t& Dmoney to do it
$ ~1 R; @3 h$ f. ` D$ n' Xwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once, t8 B: B5 C5 p0 R7 c
do not withdraw cash , overdraft, and pay part of bill on credit card4 @$ \$ C9 F: [/ w8 h8 R+ u0 D
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]7 _2 J, N2 p6 q* L( B
$ T+ ]$ ^3 w! V+ z# `* H8 [" R[ 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
提升卡
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显身卡
发表于 2005-1-19 15:21
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