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only if you can get a credit card as below,
' l. b( u, i3 q: G) {0 _otherwise no need open account at China$ U- f/ C; J! G7 m9 D( e
- Z$ a9 [, t3 M* ?( `after landed, the banking business you need to do is:4 M* \* F" O" Q( x/ n
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1.pc financial 的 saving account and debit card
: I6 A9 h2 p% W% {; E6 E8 Tsaving account 3 B4 G' s( `: ~. x7 [: g1 B
it's the safe and very high rate, cacu interest on day, get free check *****- V( c+ z# C$ W) i. F" X
*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hold8 u1 X( C; L; I; Y9 h; K; g, R$ Q) w
debit card% ^6 N0 R1 \6 G- M9 [* b) |* A6 m" @
it's free , use for first month to accumulate a little reward**4 t% i0 r# q/ r \1 l' `5 X
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2.visa card
, P. `2 @& N: R: d" tcibc divid credit card *****6 U, B" y+ g' V9 S
scotia bank divid credit card
3 k: N0 z6 b4 U6 S' n. g' Y0 D* ^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, M1 u+ f* {9 H9 ^5 l' a. f
1 C: Y8 s9 {6 j( Q1 i3.master card
1 H$ H A$ {0 G$ w% Y& [some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
2 J% }; L' p; A5 y& k; u3 tyou also should choice one can return cash, or airmile
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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
/ ^6 w) [& Y' |* F* o7 ]( xso anybank's master card is ok, cause you need change to PC credit card at % R; z: h) `3 I( \1 X
last
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% S R8 G, e2 p1 B* q% W8 F4 @+ T*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 J% i3 u$ m3 \$ W1 r( Q# e0 y
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$1000,每次要收取手续费。老扬推荐的就不错
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*一定要无年费,联名, 夫妻各办一种最合适
1 N% \1 T: t# U) N*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:
/ p( j/ v" `* u$ |5 \useful on car rent for covering insurance, also discount in gas
i& W) b7 c3 W6 P8 }citi bank is the best, but need at least 36000 anual income; I7 @4 s) m9 ~) u
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attentions:
; P* z; {" d) X4 b ^do not use credit card at very small shop, especially they print your whole ! _7 M4 @- \1 J7 }' l7 D
card number on receipt. If you check the receipt from big store, it only ) U# S: z# {8 x: P( @* h
shows end 4 number .This is new card rule, but small shop hasn't enough " U" r5 C- q) h1 u3 f
money to do it6 a* _; e1 y) [9 Q. \4 D L
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once8 t/ O W% ]& |* ~2 a% i$ h
do not withdraw cash , overdraft, and pay part of bill on credit card: P$ C5 ?! o& `9 h0 W) T
2 a% p" T j7 g7 v' E/ }! x$ f[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]! P" i! Z/ w, _8 s" v
9 c8 g; g- {! ?& v# h$ i[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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