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only if you can get a credit card as below, 5 z! k9 ~, E" L) T& R* S
otherwise no need open account at China
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5 [7 G2 S! ]7 tafter landed, the banking business you need to do is:& Y4 G- F' z4 r
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1.pc financial 的 saving account and debit card) ?& f5 ^% C" x. b) |* i Y
saving account 5 u) p' w2 W# ]5 z/ h, D& w
it's the safe and very high rate, cacu interest on day, get free check *****8 o- e/ R& N6 i4 {
*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
, u( A0 Q4 m6 c2 [* _debit card. n' z& P" @) ~* l6 `" b" v; S
it's free , use for first month to accumulate a little reward**
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2 y! [" f2 }: C3 Y; h% P2.visa card7 i% C C9 P2 F# W2 X; x/ r
cibc divid credit card *****
9 t0 ?4 J7 ^+ ]& Q" Yscotia bank divid credit card7 f% G, Q* E2 @5 D( p
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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3.master card
' w, Y6 x" w/ U+ f1 y5 s( Tsome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
; h8 J7 }: Y2 ]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/ V8 @' {9 Q' e0 ^% G" T" c8 r
so anybank's master card is ok, cause you need change to PC credit card at
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$ z& t7 J2 _4 e8 [*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
' ^7 ]5 m+ @% G% r$ _/ D# \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$1000,每次要收取手续费。老扬推荐的就不错
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6 U, S% n. c6 U7 Q8 [& y4 L*一定要无年费,联名, 夫妻各办一种最合适
0 L: o% \3 `5 a% B3 F1 e. U3 S- a! u*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。: ]7 ] f6 e% z! b2 l
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platium credit card:" b+ R7 B* {" `9 C- P3 k d
useful on car rent for covering insurance, also discount in gas2 [) C- x6 @2 P8 x& g
citi bank is the best, but need at least 36000 anual income0 [/ u; J& z9 u
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attentions:
5 W6 Q# [7 F( V8 Vdo not use credit card at very small shop, especially they print your whole
' R& j9 I8 T- \3 k9 Ocard number on receipt. If you check the receipt from big store, it only
1 ?: g+ d3 ?' k8 A* u4 bshows end 4 number .This is new card rule, but small shop hasn't enough
9 J0 \: I: A. y; g+ \+ L0 kmoney to do it
6 @% x$ F' T3 x' ?2 J, ]# mwrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once& C4 k- B) r/ s! G
do not withdraw cash , overdraft, and pay part of bill on credit card+ U! B3 M! I I( j Q$ s6 [8 U6 K
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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6 ]: r s$ {: Q4 Q6 T. `[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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