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only if you can get a credit card as below, ; `4 _$ b2 f7 S1 h
otherwise no need open account at China
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after landed, the banking business you need to do is: I! S1 J: u( K; z, V! d
0 s( X0 B+ L T9 w1.pc financial 的 saving account and debit card0 u8 \, @4 T9 I" e* b* O# S
saving account
2 ~5 ]: \) y, S0 Uit's the safe and very high rate, cacu interest on day, get free check *****
& _- v! |8 c4 r$ u" p) D' 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. P& O- ~' J* _4 V
debit card6 B/ u+ q: I4 B/ i
it's free , use for first month to accumulate a little reward**/ i, P8 E w. C" ?8 m
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2.visa card! R7 _5 k' _* X; V
cibc divid credit card *****
; d0 ^; _9 s3 M- mscotia bank divid credit card
1 q& u0 ? u1 C# \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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( s3 k6 F+ {0 g" h) I9 a3.master card
2 H9 O7 f3 R; l: C, P' P1 osome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
2 b( L# J% w( U2 w. O! @+ c, [you also should choice one can return cash, or airmile) c- r# g5 t! X8 Z" w: j
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, |8 |' b: V7 b/ ?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
4 `: I7 f* n! ?; e( Uso 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( E8 |" V* O$ w
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$1000,每次要收取手续费。老扬推荐的就不错3 `3 s$ O! t, M# U2 R7 k! c F
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*一定要无年费,联名, 夫妻各办一种最合适/ N& w A% D' U
*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。! ?% x! U, ?. V( i! k2 i" ^% E
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; V( R, @" P. C( B2 b- Uplatium credit card:* m' @/ g% R: {0 D N7 l/ k
useful on car rent for covering insurance, also discount in gas( ~( |6 i: C s3 H4 p
citi bank is the best, but need at least 36000 anual income
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attentions:
/ t9 A% s, ]4 a% B+ j+ T. }do not use credit card at very small shop, especially they print your whole
4 N- ~1 F& w- L5 j& Ccard number on receipt. If you check the receipt from big store, it only
O: S/ D! }6 d& wshows end 4 number .This is new card rule, but small shop hasn't enough - q& |! K; X& b+ X
money to do it
" E5 b% ~5 c$ Vwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once; [: C9 F6 O( N- I6 p
do not withdraw cash , overdraft, and pay part of bill on credit card' E$ s3 t- C; s) c, s/ c
: C& h, n& E) j4 n3 i5 U[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]$ [2 N% d: ]- R* I2 b- N
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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