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only if you can get a credit card as below, 8 [# y; t2 d9 t# P3 d) t6 b
otherwise no need open account at China
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$ c# L/ |4 v8 z% ~! fafter landed, the banking business you need to do is:% v2 \9 _% K2 \( Z* H) p7 {+ v
s) u6 ]* I. a, s1.pc financial 的 saving account and debit card
. \' `( F% n l5 ?- [6 xsaving account
9 t2 U! L) u. h: J1 Lit's the safe and very high rate, cacu interest on day, get free check *****; K" e) t& _6 ?, M: F* _, L+ R
*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
8 D2 p8 P6 p' f- R \9 |: rdebit card0 N& M! U( b; m
it's free , use for first month to accumulate a little reward**# |# o. V' r2 Z2 N8 \9 v
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2.visa card# {6 z, G3 F# K! U7 x5 S
cibc divid credit card *****/ d! p' X3 X6 R+ C
scotia bank divid credit card2 S' x. c+ {4 M+ O# Z, i) N
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 card5 S1 R6 T+ t8 {% n& ?. a
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
4 S+ a8 a$ G+ Jyou also should choice one can return cash, or airmile# t4 Q H5 }9 } {5 H; S% B1 r
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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
, i+ y/ O! h8 H) ]9 Iso anybank's master card is ok, cause you need change to PC credit card at 7 g2 F7 P, U* k- s+ ?8 ~5 p( p
last
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) d2 P" s1 n/ v7 s* R*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
8 W3 ?6 w$ X' \8 d% qTD 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$1000,每次要收取手续费。老扬推荐的就不错$ r, L6 v! z. y* n
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*一定要无年费,联名, 夫妻各办一种最合适" q5 n% b5 q3 x% ]: Q& o
*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。( n7 n7 j& h- F4 _3 G- T
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platium credit card:
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citi bank is the best, but need at least 36000 anual income7 `8 j& ]! c/ Z
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attentions:
1 Z3 o" A2 g7 p' Gdo not use credit card at very small shop, especially they print your whole 5 T; T Q7 ~& F7 L& T
card number on receipt. If you check the receipt from big store, it only
q# B) M" ]% }8 Tshows end 4 number .This is new card rule, but small shop hasn't enough 8 T3 _5 ]* c: g6 Q6 a9 ?4 j! J
money to do it) P6 z' L; a% E! E9 W) w( C
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
# w, j" ~5 J; {do not withdraw cash , overdraft, and pay part of bill on credit card
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$ z2 k6 a, D, y( \[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]: K3 Q6 g6 f. l$ Z
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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