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only if you can get a credit card as below, @2 K: d0 X4 K6 a0 i4 x
otherwise no need open account at China
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$ b6 o: f* l" ]& mafter landed, the banking business you need to do is:7 o5 b, |; ]+ ~2 V, m& M0 Q9 J, M
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1.pc financial 的 saving account and debit card0 V% U$ S: E. N, A0 G
saving account 4 X1 x6 y; I2 {0 b
it's the safe and very high rate, cacu interest on day, get free check *****
- C( p1 Y1 c2 \( P5 Y6 \8 C*关键是刚来最好别存长期定期，不能提前支取（or very high fee),pc 只有 10天hold9 e: m' Y% ~* X6 y' H+ |; W
debit card
3 h1 ^- Z2 N \) {2 o# w0 n& B* Dit's free , use for first month to accumulate a little reward**1 h; a. k' K& i; J3 a" Z
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2.visa card8 t# H3 t$ T* @' C9 z
cibc divid credit card *****
) f$ v5 k& v8 N! M* tscotia bank divid credit card/ a4 e4 j" W( @3 E. R, F+ [- _
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 month3 x+ { ]1 Y% ?0 G/ _
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3.master card# u6 J' ?# j. a/ e9 Y1 N3 j! `0 O
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.( B& L1 a4 r" R# }( F9 g
you also should choice one can return cash, or airmile4 p2 d) I7 D/ ?' H1 F) H
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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
& b* d. [' \) N* o3 L* nso anybank's master card is ok, cause you need change to PC credit card at - k& h U; Y( @3 W
last
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# Z4 c7 E& r4 o+ X- k*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6 ^( ^ K: U, u2 x2 K- e; {
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$1000，每次要收取手续费。老扬推荐的就不错4 w" v) }# ]! h
" G2 Z$ `# d0 H: Z*一定要无年费，联名, 夫妻各办一种最合适- |3 O6 n6 k) ^: U* b- X+ R4 O9 Y
*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。. @ P' d) u- O/ i
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platium credit card:5 ~$ g) T* ?9 L K
useful on car rent for covering insurance, also discount in gas4 Y4 n2 |% V8 M4 d( K) a
citi bank is the best, but need at least 36000 anual income( @6 N8 R% w! ^ T
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attentions:3 ~( v% v! U* @% f# U
do not use credit card at very small shop, especially they print your whole
- n8 @; V3 g! i* ncard number on receipt. If you check the receipt from big store, it only
2 m+ C/ ^. j0 R6 @6 H5 `: Oshows end 4 number .This is new card rule, but small shop hasn't enough 3 }) L% x1 m Q( Y
money to do it
4 X+ S, F( ]3 t# xwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once W" D/ y- l6 l; S- }
do not withdraw cash , overdraft, and pay part of bill on credit card7 K& m8 [) [, \! D
, i- i* v* C& x4 d[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]6 F* j ~, ^: t' y
1 l3 O/ z4 t( f2 @% l[ 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
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发表于 2005-1-19 15:21
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