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only if you can get a credit card as below,
5 p& r2 S! c9 u% m- uotherwise no need open account at China
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after landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card Z5 P/ e2 y9 [8 R1 I: y) b; G; P
saving account
$ y. N" L, U6 O. _* I4 Q6 yit's the safe and very high rate, cacu interest on day, get free check *****+ R$ g/ y' M$ r! z
*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& v% d( G/ G) n& |# ~
debit card- }7 a! L0 Y! S6 b
it's free , use for first month to accumulate a little reward**# V4 ~; Z8 y' R
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2.visa card2 j) b# ^! i$ I: M
cibc divid credit card *****
" x1 r. G$ H- h# _: ^" F5 Gscotia bank divid credit card
4 \- U( v3 { k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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7 v1 j- k% F9 N0 O' X' m3.master card
* P# k" ?4 G' d3 y, O; B- J) G. Tsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.) K# A+ s1 F; q b" F+ y
you also should choice one can return cash, or airmile% r. W1 |3 s) _( t4 S
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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
" `, P) e3 A5 g5 @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* s# y0 v" z a) Q3 L# h. \# |
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$1000,每次要收取手续费。老扬推荐的就不错- K2 h& _1 r, n; @$ r
& O) i: h8 j1 N2 @$ ^3 R*一定要无年费,联名, 夫妻各办一种最合适8 h N! L' M- f
*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。0 @ i9 ~: `5 E3 J5 s9 @- O% p1 ?
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platium credit card:7 |" r n& a1 j+ m6 s
useful on car rent for covering insurance, also discount in gas
! @- r4 ?; D7 ^* v. A3 fciti bank is the best, but need at least 36000 anual income
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attentions:
1 i$ \5 e3 g4 |do not use credit card at very small shop, especially they print your whole
& }5 \) l8 E" ocard number on receipt. If you check the receipt from big store, it only ) L2 X" s5 }6 C7 S2 n$ U
shows end 4 number .This is new card rule, but small shop hasn't enough
1 D* ?' v8 Q @9 m: emoney to do it
, ^ f1 R& K! Z9 \# x; ]wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once1 ^+ O. [% c& }6 u; A5 i0 E/ U
do not withdraw cash , overdraft, and pay part of bill on credit card3 r2 u) C' N& G9 u
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]; f* b7 z0 O& y7 s- O
2 V5 S% [4 v$ v- o( {+ J[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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