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only if you can get a credit card as below,
6 h1 z! u& U6 f0 H1 P# T5 L( motherwise no need open account at China
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after landed, the banking business you need to do is:
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$ E4 n: t" @0 Z1.pc financial 的 saving account and debit card
6 {; b' M- h. }- u, I* lsaving account . E7 b& q3 x4 f! f
it's the safe and very high rate, cacu interest on day, get free check *****
: E5 i7 m) r1 R( B, b4 e*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
! n. U7 l; b, I$ s, t$ a+ x: z+ {debit card; Q# m: K+ L3 X- G
it's free , use for first month to accumulate a little reward**/ X" E* e: a) U: y$ |3 A
- p( j3 `! D4 q2 ]7 w2.visa card
8 `, W4 r, |. e8 Zcibc divid credit card *****! ]) X' R7 p, n K
scotia bank divid credit card7 P3 R y" m" s5 ?4 b1 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& O, ^: ?8 c$ u+ I6 y
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
( b9 x7 g. m2 X5 Z& Wyou also should choice one can return cash, or airmile6 k; I- e; i9 t1 P1 e
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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
/ u) `2 p" l0 h6 g& \ u3 C& s, C! pso anybank's master card is ok, cause you need change to PC credit card at ; F" [0 O% v6 g* C1 w; T0 A! C
last
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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
! U9 W9 G+ ?/ w6 ~# t8 NTD 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$1000,每次要收取手续费。老扬推荐的就不错+ ^ g: p* V8 {$ x2 m) E- M/ P0 {
4 k) X& {$ T5 A* X5 ?' Y* N6 M4 U*一定要无年费,联名, 夫妻各办一种最合适
& N8 D7 p; A4 h( ?* k; V# b*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。1 y! G- C5 P4 L
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platium credit card:0 _# `! s, D) y
useful on car rent for covering insurance, also discount in gas; y6 {# u( c, B! ? D7 w
citi bank is the best, but need at least 36000 anual income( ^$ O2 @, L; m3 X( q
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attentions:0 ^0 a8 d) \4 j. f
do not use credit card at very small shop, especially they print your whole
7 ?, |2 V( d0 i/ L6 [( }: |card number on receipt. If you check the receipt from big store, it only
9 U6 R$ f. O/ l5 bshows 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% a% \% g1 M! S% p
do not withdraw cash , overdraft, and pay part of bill on credit card' I8 U/ ~1 G: r; ^% }
0 c. F$ _' B0 o1 s[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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