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only if you can get a credit card as below,
6 i- {" D) o" f+ b3 w1 dotherwise no need open account at China
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% m; U$ i! z2 D/ iafter landed, the banking business you need to do is:
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' [3 Q4 I, B* x6 d1.pc financial 的 saving account and debit card+ j/ f k# B _
saving account
2 E* i$ ]. W$ n+ ]. G# C4 zit's the safe and very high rate, cacu interest on day, get free check *****. z0 @/ r! y0 {. y- t, L3 g4 M* \. `
*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hold5 t) g; s! u) Y9 B$ C1 x/ s
debit card; O5 B% U9 B8 `* C" a4 z8 U
it's free , use for first month to accumulate a little reward**
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% f3 K9 B3 J. V! R& z* E8 [3 {2.visa card
; b" U' ~1 U5 Y @4 H4 kcibc divid credit card *****
9 Y$ g6 Z) A% P; [" V x7 `7 `scotia bank divid credit card! d/ r% U3 w% T' P& z% z
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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2 @' v7 G& _) k9 `3.master card
8 E% ^6 d1 D! Wsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
! o* u$ V; [1 i: B7 h) T4 j, ]you also should choice one can return cash, or airmile9 o: @' v7 r1 X1 p0 P
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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
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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& V; S/ k. t4 D+ Z/ {" w! }
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$1000,每次要收取手续费。老扬推荐的就不错
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*一定要无年费,联名, 夫妻各办一种最合适8 z; h6 `, ^) s1 {2 V* S
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。9 U9 W+ h7 w0 E$ `! Q- z/ Q2 K0 Q0 I
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: Q1 c2 Z# v d6 o" c: zplatium credit card:
# f# T/ D. H0 V3 ~" H; ?) i9 c* Kuseful on car rent for covering insurance, also discount in gas, F% j( y) J- d
citi bank is the best, but need at least 36000 anual income" K6 ?. A( N" P
0 l" v0 u( w4 E& Wattentions:) N0 n _3 k, S2 a. G& J4 x. S
do not use credit card at very small shop, especially they print your whole 6 E% B6 n ?% \% r
card number on receipt. If you check the receipt from big store, it only 0 F- N/ k* b# K, B( M
shows end 4 number .This is new card rule, but small shop hasn't enough
7 K; p: U3 f, M% Pmoney to do it
; u( O& O5 U, X0 Gwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
- ?; \7 a# a, {' Y2 Ndo 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 ]; r# U+ k! }( d
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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