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only if you can get a credit card as below,
+ z! T2 q0 Q3 K6 }* l, l( _otherwise no need open account at China6 b% Y4 f) ]4 h8 j; G4 p
$ V$ V0 x# I2 Q- n7 Mafter landed, the banking business you need to do is:7 C* s& D# M; z5 m
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1.pc financial 的 saving account and debit card' o, @; Y: n, }. X
saving account
$ a7 s/ z3 b( E2 Vit's the safe and very high rate, cacu interest on day, get free check *****/ N0 S$ \) S4 \& U
*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
2 t+ H6 n. u& Vdebit card6 f& }4 W, L5 C7 q+ A7 h
it's free , use for first month to accumulate a little reward**5 I6 s0 h# n A' f
% ~; |6 Q; \3 z" @! M7 r1 r; ?2.visa card: v5 g- Z0 b: I: Z3 i. i
cibc divid credit card *****; ` A8 i }% b% z, p( h" A3 E2 C6 @8 g
scotia bank divid credit card8 o6 k0 Z8 ^+ t; d5 a! 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( r q7 \. h) \" w7 j, x
7 ~" [7 l& t; S4 C3.master card
, A$ B! z- @3 J. L% R: s: E! Hsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.) l; k T! |- V; N! k5 B: J/ s5 h) {4 Z: I
you 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 W5 h2 v$ h" f, ?2 ~$ p9 ]7 V
so 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
* r8 l. }0 x% z9 a- ?8 o D* iTD 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$1000，每次要收取手续费。老扬推荐的就不错0 l: t7 `, V8 x9 T8 J
; Y+ Q% f a& f( z1 t*一定要无年费，联名, 夫妻各办一种最合适
& S' S$ g& j9 @, G# i6 W" D# n4 Y( I7 [*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。. S$ ^3 K+ X$ n8 O2 c, C) i
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platium credit card:
+ @! k1 W& x( B! yuseful on car rent for covering insurance, also discount in gas
% |) _, [" w) l2 C7 e) Cciti bank is the best, but need at least 36000 anual income
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attentions:
/ T% f/ `' I6 R* x% Bdo not use credit card at very small shop, especially they print your whole 9 k8 h+ ]# e6 P, ~/ K X+ F, z
card number on receipt. If you check the receipt from big store, it only
) e$ V0 @% S* x% S& \2 Hshows end 4 number .This is new card rule, but small shop hasn't enough
* Y0 z# L7 V1 U# Q. c3 jmoney to do it; Z$ ?' h$ V8 ?/ w4 D8 u* x; k3 C
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
% i$ K* `/ E1 D! a2 b2 ?. Q# i Mdo not withdraw cash , overdraft, and pay part of bill on credit card$ A/ B+ G M o$ R, b* X
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[ 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
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
发表于 2005-1-19 15:21
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