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only if you can get a credit card as below, % K, O! O: P7 k; R( V6 }; m
otherwise 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 card6 Z7 V( t6 @9 J1 ^2 y
saving account
$ M) b4 n$ j2 l: n0 bit's the safe and very high rate, cacu interest on day, get free check *****: B% P g7 M6 r$ z8 R/ O
*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. o5 i/ J/ j, o
debit card
3 \8 | b z0 d% lit's free , use for first month to accumulate a little reward**
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/ `8 P. b6 P; j# `- w2.visa card
7 E8 a: B; q3 y) J4 Q2 Kcibc divid credit card *****
4 c; l/ @9 Z. b- r4 E2 x# bscotia bank divid credit card
' _7 j0 J3 M [4 Q7 A* _- v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/ L5 `5 g! \, H2 Q3 ~ A
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3.master card
( W6 P, d, ^$ |+ u8 Psome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
, ?; `- ~) k* }5 A8 ^( t$ Cyou also should choice one can return cash, or airmile$ y' k! p, N- F- @3 c) g
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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/ o; D. e+ v$ w1 m+ B! k
so anybank's master card is ok, cause you need change to PC credit card at ; F5 V- P: P. H7 ^/ J% F, E- d
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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
" q3 g3 ?% M: ]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$1000，每次要收取手续费。老扬推荐的就不错0 N- ^3 ]+ p9 Y+ Y3 K% _+ X* Q
) h5 Q" B& `: P( O2 N: ~0 M7 d; S*一定要无年费，联名, 夫妻各办一种最合适9 }; F, r9 f. u/ g/ T0 _
*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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- j) }. \8 d0 r3 X- H0 G: O, Lplatium credit card:
3 h7 d t' \/ i' t' K' Kuseful on car rent for covering insurance, also discount in gas6 j& d( E) R9 T% Z' [/ z+ e8 W
citi bank is the best, but need at least 36000 anual income0 H; n+ r D$ l" y
y& x! a. K6 L8 ?3 f3 B) hattentions:9 C5 S# p0 M6 G* `) g3 d
do not use credit card at very small shop, especially they print your whole 0 ]9 g8 d$ z; L; M4 K1 x
card number on receipt. If you check the receipt from big store, it only 8 n0 [" D; n2 {% h
shows end 4 number .This is new card rule, but small shop hasn't enough
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4 k' g0 ~0 S5 ? q. Zwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once5 A) s, F2 Z, z, g2 E8 g
do not withdraw cash , overdraft, and pay part of bill on credit card# G+ o, k/ ^$ s A0 g
1 d3 t+ J6 C( H, w[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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[ 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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