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only if you can get a credit card as below,
2 Y2 ~' J: T0 e; X' Kotherwise no need open account at China) S1 P V, \1 [! h; T
3 @$ W1 e* v0 @3 i) t+ |2 yafter landed, the banking business you need to do is:
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1.pc financial 的 saving account and debit card
# e$ Q9 Y7 J3 t2 U" o* U6 d5 t' X5 Csaving account
& |6 g* g! R) y3 h; W4 C2 lit's the safe and very high rate, cacu interest on day, get free check *****) s" x2 z k. u9 z# M
*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
) \# @" H: G* kdebit card- l0 h7 Y1 I" c2 j3 R6 s" u8 b
it's free , use for first month to accumulate a little reward**
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2.visa card8 w- m( j& q8 B
cibc divid credit card *****6 X4 B$ G- k4 n/ Y- j: }1 q/ ]
scotia bank divid credit card
; m9 B7 q# u1 t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, S( k- ~& K: N8 z" C
- o( K. z0 Y" B7 y O3.master card+ h' N9 ?) Q' t7 x* l) `; P7 M' z
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.7 S" {% w( y: ]
you also should choice one can return cash, or airmile, q) |) T( l. ^8 ?( s
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7 u+ R# p! t0 o0 Y* u; @$ ~0 F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
7 M) {# A' \$ m) lso anybank's master card is ok, cause you need change to PC credit card at : m1 f5 ` S" o) `& _
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% \4 a1 h) r J0 C+ C3 s*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
8 q" b* S9 {: F b* rTD 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$1000,每次要收取手续费。老扬推荐的就不错
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- h2 I! K4 l* ]9 |; \*一定要无年费,联名, 夫妻各办一种最合适
# o" {' m% D) X3 w" P*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:
, i: W/ F: w& p, A2 ]useful on car rent for covering insurance, also discount in gas
2 c) |8 h, o# A8 X7 y. w* iciti bank is the best, but need at least 36000 anual income7 j6 _0 ]6 U( p/ K m
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attentions:
7 S: u' `- [5 j3 F: wdo not use credit card at very small shop, especially they print your whole
! @. N% r, p' ]& h* M' Vcard number on receipt. If you check the receipt from big store, it only
6 T4 X5 ^9 j: ~ G' A( }shows end 4 number .This is new card rule, but small shop hasn't enough
) q. O* @3 n6 q3 D- \! e9 imoney to do it0 @) ^& t$ _; I1 W0 T
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once2 P& V& F/ ]% O7 C5 ~6 K
do not withdraw cash , overdraft, and pay part of bill on credit card% I. I) Z9 K' Y/ N; v/ Q! ?
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ] ^0 ^7 M/ z5 d3 g/ ]
) f: Z/ F; q8 y& {2 M& D+ n[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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