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only if you can get a credit card as below,
* M: ]- F9 n$ Hotherwise no need open account at China
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5 Q* H6 i- h8 z0 |, Y* F4 gafter landed, the banking business you need to do is:
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( ?! N$ ~3 \3 _; H% d1 z1.pc financial 的 saving account and debit card
5 E, ]- J$ g9 s9 \4 n3 M5 J0 usaving account 4 O/ E+ O0 h% T6 h2 n. `6 A; @( o% n
it's the safe and very high rate, cacu interest on day, get free check *****
% B* f8 {. s: ~: f*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
3 H1 s. ?' F* p, _+ Rdebit card
$ D% J; D( h9 ?1 F, Q7 c' d- sit's free , use for first month to accumulate a little reward**
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2.visa card8 ~9 R: z) \. T/ h( W+ N: |
cibc divid credit card *****" N0 h& z- Q5 R7 ^
scotia bank divid credit card
& a- v% v& J) L8 {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- z+ a8 t7 r3 B* o6 N, G) C
3 o# Q* `) S7 e F- \+ J3.master card
# q7 u5 }% `" E1 d& D5 Vsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
: M5 _) \; g [6 k, ^( H/ Kyou also should choice one can return cash, or airmile# ]; s' N+ c# C5 w0 A* ~4 u
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: n( O& t$ V( t9 N, ]$ w) E! z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6 P, y( c, p( E' g. y
so anybank's master card is ok, cause you need change to PC credit card at ' X3 q, X [* U! L9 m3 B2 C& 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
5 R' I3 |0 K" z) J' _) x" MTD 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$1000,每次要收取手续费。老扬推荐的就不错
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5 B; m% M/ p t# O*一定要无年费,联名, 夫妻各办一种最合适
& B- j; }% \" Q1 Z2 |9 P*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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4 W' b& i. X% Z$ S. J- Wplatium credit card:1 T8 w4 x( j7 V" T0 B
useful on car rent for covering insurance, also discount in gas
3 g5 ]: N& E$ tciti bank is the best, but need at least 36000 anual income q5 d2 V4 t$ `- j0 n+ m( ]
: j) A- k$ \+ w/ F2 }9 ?- P9 F0 uattentions:
~8 ]8 p& e+ ~3 e* `; p0 wdo not use credit card at very small shop, especially they print your whole
7 d W" R5 S; }' s" b% rcard number on receipt. If you check the receipt from big store, it only
5 F6 B) ~- n' r6 g( _3 sshows end 4 number .This is new card rule, but small shop hasn't enough ; U) Z6 J0 u, k2 ^" ~ j
money to do it8 }- X0 Z, n+ [) O' q& D. F
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
2 \ c. G! n( ?6 K- `6 W% pdo 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 ]5 p3 N: [+ w6 q- l
' l1 W! i+ S' v2 C. i[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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