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only if you can get a credit card as below,
0 w" b g& ^8 Lotherwise no need open account at China
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; d" z W# s7 g) Jafter landed, the banking business you need to do is:8 o5 I5 }# L. t+ W k4 \
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1.pc financial 的 saving account and debit card' j) o% d2 {3 I8 J$ ~ @
saving account
- B6 r6 \# G; G9 P) I- xit's the safe and very high rate, cacu interest on day, get free check *****' p8 @/ |6 F9 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, `0 ^$ H5 `4 y f, }( x) z3 S+ _
debit card
* u% t2 D3 Y8 xit's free , use for first month to accumulate a little reward**
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2.visa card% t0 h( o: Y& [9 k1 X$ N$ i6 r2 y
cibc divid credit card *****
8 p: v) Q0 P* H8 F1 gscotia bank divid credit card
9 o( E" J f* B: h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$ X1 g! e% ~, |$ r% V$ \
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
2 k5 b1 K, P8 q) b9 V$ u% g1 pyou also should choice one can return cash, or airmile2 S- ?9 t M6 K/ N$ G0 b# k& s
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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: V. c: y# N7 x% ~
so anybank's master card is ok, cause you need change to PC credit card at $ ` r% p3 G' z2 Z8 V; n" N
last
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" Q1 W: C- b; V% X2 O$ U2 e, |2 d*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
: ]9 S" u6 m& c" C: P6 m" |$ ~5 HTD 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$1000,每次要收取手续费。老扬推荐的就不错- f* s6 }. l5 D% [" ?
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*一定要无年费,联名, 夫妻各办一种最合适1 V4 \5 u" K6 m
*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。6 Z6 i( t' L. a0 q
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platium credit card:0 \, f+ r% g% Q' u" T
useful on car rent for covering insurance, also discount in gas8 j: u) y' ~" R. [" S
citi bank is the best, but need at least 36000 anual income
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attentions:
8 V9 W3 l3 O$ m8 udo not use credit card at very small shop, especially they print your whole ( {/ e- i; `4 R( r
card number on receipt. If you check the receipt from big store, it only 8 h- |4 s6 R, C U: ^
shows end 4 number .This is new card rule, but small shop hasn't enough
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wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
d2 Z2 R. F8 Z- ~do not withdraw cash , overdraft, and pay part of bill on credit card
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5 B, n8 L B% `1 e3 b" H[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]& @& c$ b- d1 S# M( F
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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