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only if you can get a credit card as below,
6 o* q, E% m# @$ k. dotherwise no need open account at China
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7 V% U( Z2 P# m5 kafter landed, the banking business you need to do is:
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0 `( S/ \% M; ]1.pc financial 的 saving account and debit card
9 V0 p4 k, {: R3 k. i9 A, psaving account
; j( W, V9 g8 s- ^. Zit's the safe and very high rate, cacu interest on day, get free check *****3 [" ]) e1 [+ d r. |
*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% h5 `) h# S, y3 E$ i, I$ f c! T, C: x; Q3 H
debit card
5 H! I* K4 B9 x; g2 ^! @* Hit's free , use for first month to accumulate a little reward**( \8 D+ S, D. O- Z; V9 P+ T) W
" v6 G& Z; a1 R; f8 c2.visa card
8 L9 c# M) S% S+ a8 K& c$ acibc divid credit card *****3 `/ a9 Y$ }" Q3 |0 g% T/ i6 d
scotia bank divid credit card! e4 X' ~2 D0 z' f" S+ B3 p0 r* 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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# z; k- r* j: K8 b4 O: t( w& G4 Y3.master card6 i5 N0 m+ H$ I& T
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
; A) P/ b7 O- X" S. |1 |2 P" Yyou also should choice one can return cash, or airmile/ D* M% S$ Q; P
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5 V# C' R1 D" R' V1 S: _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
: N, _% G# `2 `' sso anybank's master card is ok, cause you need change to PC credit card at & K2 O& @- Z( B2 U* p0 x
last
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$ W* O+ [6 N6 ?" t) \. a: g*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
& T( C3 F/ b0 n7 c- A" A4 vTD 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$1000,每次要收取手续费。老扬推荐的就不错
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" B3 G- O( Y. E*一定要无年费,联名, 夫妻各办一种最合适- B) i* D7 x3 J r. I/ w
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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9 b- h" o& T: i4 F4 Eplatium credit card:; c7 ]/ S7 Q/ J3 R, v% m' V! x3 ?
useful on car rent for covering insurance, also discount in gas! a) d g- X; k
citi bank is the best, but need at least 36000 anual income: y: I. f& t8 y3 k
5 y3 ~- B. F- P+ O7 ^# l, ?2 w# a7 zattentions:
; D5 o _9 X: e& g- Sdo not use credit card at very small shop, especially they print your whole
0 L: m+ ^! L' s; y! w! v% X, mcard number on receipt. If you check the receipt from big store, it only
" N3 }% p8 L" cshows end 4 number .This is new card rule, but small shop hasn't enough " S$ o- l8 g& I& b1 }: S1 B
money to do it
+ @' N* u O. [& `/ d4 ? I. m7 Cwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
% a1 K- D2 E odo not withdraw cash , overdraft, and pay part of bill on credit card
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]' T4 ^( F+ ^, {( d: J
) L+ m5 k, e, U: u[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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