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only if you can get a credit card as below, 2 _3 R/ C# Y1 P2 S
otherwise no need open account at China
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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! ]6 J9 G7 ?+ A5 J4 H7 t
saving account
, t3 v5 S% C3 ?8 n" X+ dit's the safe and very high rate, cacu interest on day, get free check *****9 d, u. x4 t: Q5 H! A. i9 R: w
*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
* K9 P- Z) o# K, W: U# Udebit card
" ?; t# u1 U0 R6 a2 Z/ R7 c# Q; eit's free , use for first month to accumulate a little reward**
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: {+ z9 s! c7 s- J2.visa card
7 ]. ^& `. `3 [, x! Ucibc divid credit card *****9 Y3 q I0 S( d7 H4 k1 \5 _3 `
scotia bank divid credit card# K7 d' ^ j* j
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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9 V; Q Q( Q5 P) e9 e3.master card
6 F6 z& e+ x$ G% G7 t; Rsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.2 G. Q1 h) o2 a* ^
you also should choice one can return cash, or airmile/ S$ Z- \3 T* d/ R& q
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$ C3 G" z, ^, t) p) u- n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: O& m$ h! d3 B9 G2 w
so anybank's master card is ok, cause you need change to PC credit card at
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: E1 b/ c! U$ u. P/ `9 f9 r; w*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
! Y1 z$ o/ Y: y5 ]" CTD 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$1000，每次要收取手续费。老扬推荐的就不错
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*一定要无年费，联名, 夫妻各办一种最合适
- @2 z+ f/ X; g3 D4 U% Q: r0 j*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:
/ C2 z' Z; b+ K s. wuseful on car rent for covering insurance, also discount in gas
2 M* n! O3 L T9 bciti bank is the best, but need at least 36000 anual income
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& [+ ]5 W0 J) e4 }6 r6 T( |attentions:
& g% p8 n8 G; J6 C6 ]* Ydo not use credit card at very small shop, especially they print your whole
* s* x$ O. B& d' ucard number on receipt. If you check the receipt from big store, it only 3 @* }$ H4 p1 j) m
shows end 4 number .This is new card rule, but small shop hasn't enough
2 Y6 T5 n6 z/ M& y: I+ fmoney to do it
/ T3 r8 t9 s7 B b- _" wwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
[' C; R; Y- G) z9 tdo not withdraw cash , overdraft, and pay part of bill on credit card
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* X4 F# ]$ c1 F6 k3 M[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]* Y; `, o' e" E% B- |- _8 {
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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
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发表于 2005-1-19 15:21
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