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only if you can get a credit card as below,
8 y' L4 ~9 Z; J" ]3 ]otherwise no need open account at China/ ], P5 T2 P; R* ?$ @0 z* g1 b, w, B/ U
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after landed, the banking business you need to do is:1 j- h$ V. {! X# R, W3 H. |) ~4 C
( m8 N" \+ l. J! Y; S5 Q( [1.pc financial 的 saving account and debit card' _: s8 B6 D/ a& \9 }! R
saving account 3 M7 r( d3 q' g$ g6 h
it's the safe and very high rate, cacu interest on day, get free check *****
& I9 e- G% j, b) f7 t*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$ J1 X, T) J5 \; V6 \7 }
debit card
! W* k9 a. [2 ^5 Oit's free , use for first month to accumulate a little reward**) K7 O8 k( U# m
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2.visa card
7 O8 f" \+ Q8 ~; S& f6 U, _cibc divid credit card *****. c H' C1 l( |
scotia bank divid credit card
5 Y i& o: ~$ V0 m2 |4 H( B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 month8 C/ ] S- n" A. Y' @
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3.master card
# I: M, L$ B, I. Xsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time., Q8 _5 i; ?- e: [
you also should choice one can return cash, or airmile
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6 L) g4 X: b4 {# C8 y- Q: k1 y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 a& E) E# t( S9 \3 l5 c1 @
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' g. M# E- S" A. q& g
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$1000，每次要收取手续费。老扬推荐的就不错3 o7 V- i1 o" R, C1 \' F
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*一定要无年费，联名, 夫妻各办一种最合适' Z0 {/ m+ J7 E5 X4 l
*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。, ]0 B T+ U/ x" L
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! L, V8 g0 p8 C8 F6 ^- Jplatium credit card:
+ P" ?; _6 k1 F4 F) ^useful on car rent for covering insurance, also discount in gas: o- {. p$ K# O7 t1 Z
citi bank is the best, but need at least 36000 anual income
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attentions:
; o: M4 ^; W# Tdo not use credit card at very small shop, especially they print your whole 8 j7 X) }: `8 H; i
card number on receipt. If you check the receipt from big store, it only
7 ^4 M; Q0 \) }; I( tshows end 4 number .This is new card rule, but small shop hasn't enough
: {+ X6 w3 C+ Z/ L Pmoney to do it, t$ K5 }+ R4 \. K7 j$ e3 A5 P) F
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once* ]! Z. |$ k5 B
do not withdraw cash , overdraft, and pay part of bill on credit card2 i. [+ v) }1 P. q$ G" T4 l4 f
7 e: ?4 T+ d2 T4 f" O$ z[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]* @: @7 R/ X/ D/ M/ ?0 Y5 H
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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发表于 2005-1-19 04:16
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发表于 2005-1-19 15:21
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