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only if you can get a credit card as below, $ ~4 }; Q* m9 z
otherwise no need open account at China5 n6 L) T/ F4 O$ |3 B' x
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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
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it's the safe and very high rate, cacu interest on day, get free check *****6 Q8 E" s. Z+ W# g: ^6 D
*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
3 Y( A8 @8 L! Y- b& y4 k- Adebit card
4 n1 U5 B6 o: Q vit's free , use for first month to accumulate a little reward**0 F9 v! A1 D- A/ ~
: y% H) [0 {9 ?3 N. J' F O5 ?2.visa card
1 `9 W& B' ]4 H+ D2 r6 Q5 Ccibc divid credit card *****' y, Q# q) l0 F+ j. V, Z" c
scotia bank divid credit card
3 H2 L" S7 P0 R5 G* r6 W) Q) @# X3 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 card
* b2 k3 u$ w3 J9 j7 _some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.: ]# [, j/ u2 y
you also should choice one can return cash, or airmile8 N4 x' |- K/ T/ X+ [
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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, S$ _* t0 Z; ]/ C- u+ B- b) k
so anybank's master card is ok, cause you need change to PC credit card at 8 F: j5 a, w, \) B
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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
+ X: s6 e6 D; a$ GTD 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$1000,每次要收取手续费。老扬推荐的就不错
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*一定要无年费,联名, 夫妻各办一种最合适 H; ?: N/ `. [- P" s
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。7 k+ L. D* X J* M6 g0 T+ t
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5 \3 H) a3 a" |/ S( hplatium credit card:: h' B$ W0 c7 w1 m# i" a" V
useful on car rent for covering insurance, also discount in gas' C8 g+ U6 b7 Y1 t& L3 P& H
citi bank is the best, but need at least 36000 anual income- t- J( ~& A; m+ N2 H Q0 [! w
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attentions:
" R& s: o" A ]7 M0 Xdo not use credit card at very small shop, especially they print your whole
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shows end 4 number .This is new card rule, but small shop hasn't enough 2 z3 H% O1 A9 J& l& \# w
money to do it0 I2 G, a5 U2 ~* N& ]: O
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
- Y9 {6 q6 t& }& |& W# Q. ndo not withdraw cash , overdraft, and pay part of bill on credit card
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]; B5 e* }- a9 F- Z
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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