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only if you can get a credit card as below, / ^) M5 u2 R4 t6 {
otherwise no need open account at China W% z8 z* ?" Y' a
E& m. b5 W( ]& M( xafter landed, the banking business you need to do is:9 s; [ `4 K- B
/ t. G/ u7 g2 |7 \1 v1.pc financial 的 saving account and debit card
0 F. [" K2 u' i( jsaving account
! g; p& Y4 g* J' ~% D, Tit's the safe and very high rate, cacu interest on day, get free check *****
) H8 M+ D( l' c; Q8 g( a*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
& ?9 o" S8 `3 P) [/ _debit card# \, u* _- Y2 X/ T) R5 P3 v
it's free , use for first month to accumulate a little reward**$ m2 E) D- W, v2 D5 R8 F2 f" ^
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2.visa card
8 f5 M6 Y6 ?$ p5 y5 r( Tcibc divid credit card *****
% ^5 u( D" n! v: r. g+ P) @3 W1 }scotia bank divid credit card
$ J" n2 h0 S0 H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
" N( {/ F- e7 Vsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
% X- R6 o7 c" c1 Byou 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% C& j( d1 G# z7 s3 N
so 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
0 n7 r* W& G( ]/ S! \+ [! O: XTD 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$1000,每次要收取手续费。老扬推荐的就不错0 n/ J" l; S9 q
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*一定要无年费,联名, 夫妻各办一种最合适
" Z# R) J5 j H) s*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:
' `3 ^4 Z$ H4 H3 U: j; X9 G* [useful on car rent for covering insurance, also discount in gas
" |& l3 \4 l" I6 ?8 @citi bank is the best, but need at least 36000 anual income1 P) E- `% A% Z( w5 _) _6 u, C% `
7 o6 T* I1 ?2 v- L! Wattentions:5 b5 G. ]' V9 A6 `( D! F* I5 f
do not use credit card at very small shop, especially they print your whole
5 g6 G$ h2 L, D3 E: Lcard number on receipt. If you check the receipt from big store, it only
% n4 t) w9 y7 o, |! `' ]1 u5 Vshows end 4 number .This is new card rule, but small shop hasn't enough
8 ~ T* a3 `6 P6 {0 }5 x4 f) ?1 Omoney to do it1 ]' K/ X5 j- U4 z; B, I+ Y% h0 s
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once. ^4 Q8 E: _. S2 h$ l3 q( J- e
do not withdraw cash , overdraft, and pay part of bill on credit card
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]& {+ k7 u/ d! c8 c/ y/ @9 M- J
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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