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only if you can get a credit card as below,
. [. |% [; s, s0 motherwise no need open account at China0 K& v9 i2 B# Z
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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) S! Y( o% i( [9 I7 l
saving account ' j4 k7 c/ X! E. r& `" P
it's the safe and very high rate, cacu interest on day, get free check *****# l4 R8 I; [; H+ K4 s* J# 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 S: G+ L- O( X
debit card( E- L* [7 d: w0 g$ T7 z
it's free , use for first month to accumulate a little reward**( U7 s8 o' U! g; ], q/ c3 q0 P
i0 v! o$ s' ]) O* `4 v, y3 z9 }9 s2.visa card! A1 Y2 k0 f% \ D. e5 f; E
cibc divid credit card ****** ?+ _; J) V; P* j! T
scotia bank divid credit card
6 A Z) M, a, `& w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 card
2 Y, Q G) @ {% ]3 Hsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time. q& O: k2 j! q# i. R
you also should choice one can return cash, or airmile( G% Q2 V) P7 l( s) k9 z) U3 y7 z
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# }7 {7 Y" ]! Z8 {( S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
, V, H* Z5 H! D$ v0 Oso anybank's master card is ok, cause you need change to PC credit card at 5 P) |$ P2 T7 ~4 ?5 J7 v
last$ T6 q8 q- Q3 Y" U
( _! L7 d9 k9 K N0 w*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( N! s Q Q- o) C
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$1000，每次要收取手续费。老扬推荐的就不错
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*一定要无年费，联名, 夫妻各办一种最合适
: k/ t% `; t' o4 N' Y0 [8 \! L( }*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。 c% t( n* w% C6 M4 P
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platium credit card:
9 n$ b0 @3 v2 l8 Juseful on car rent for covering insurance, also discount in gas, D+ Z/ H( f' M
citi bank is the best, but need at least 36000 anual income
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attentions:
' X+ _+ D7 i) S: \do not use credit card at very small shop, especially they print your whole + Z1 X0 q$ v' {4 K* o$ j; a+ K
card number on receipt. If you check the receipt from big store, it only
$ N+ V, K# `, f2 a: Yshows end 4 number .This is new card rule, but small shop hasn't enough ; O/ A+ j/ ~+ W, J
money to do it( g7 x9 X7 L8 M" X+ j
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
' X) e3 R" O6 c' k9 v4 Pdo not withdraw cash , overdraft, and pay part of bill on credit card1 z) ?7 k, s# |$ @9 ]
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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`+ y4 S% x3 M, @, O[ 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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