 鲜花( 0)  鸡蛋( 0)
|
only if you can get a credit card as below, 9 p+ B2 @5 J7 y4 z
otherwise no need open account at China
0 z" X% C) J% n- K; O) o$ X+ Y0 F+ q4 Z; w2 R+ y$ U1 _
after landed, the banking business you need to do is:
( q" B1 X! _5 b2 h% Q0 R G, }! ~6 S* J8 ?1 x+ ~
1.pc financial 的 saving account and debit card* W1 e/ K- F' Q/ `5 \; q. G
saving account " S% ]( x( I6 q6 E7 l+ w
it's the safe and very high rate, cacu interest on day, get free check *****
! c1 v8 K0 Z1 }# 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hold5 A9 A3 M5 z1 b: P# F, e, c# h
debit card6 L/ f B: ~0 V, K! K# ?
it's free , use for first month to accumulate a little reward**
5 l" l9 t0 O& `! P$ g: q% b" X; ~$ O7 Y; Z
2.visa card: Z1 x/ z7 B, ?7 v) O2 P3 D. t! G
cibc divid credit card ***** o' l2 \3 r' y& j# z: @
scotia bank divid credit card, I! d7 k! h# n
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
! l0 M0 l& O( _8 U; D. A) t4 L+ ^8 R: Z
3.master card
* N. q/ y% h+ v9 m& @ U; usome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.
! q4 j1 e# U3 Zyou also should choice one can return cash, or airmile z7 C6 t" ?! k# D& I
4 N- e9 k+ b7 F& H! \% W
2 ~+ t9 `$ E; Z& ~8 E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
! k0 W4 q. @% [/ X# w2 q/ xso anybank's master card is ok, cause you need change to PC credit card at . m( F' G' N* l
last' n O8 G5 F( @2 y/ B- C
) M% ^+ P0 Z0 \& e; u0 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
0 r. l) Q; G# e& ~" a) iTD 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$1000,每次要收取手续费。老扬推荐的就不错) W# u$ x1 X: O7 j/ O9 _
. g1 ]) p, `3 M* `2 H
*一定要无年费,联名, 夫妻各办一种最合适- L U l" H/ b. k
*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 ~ D' |' o6 r0 g+ @2 R% U0 y
6 {) _, U! f6 e }: h* g) S% n/ x8 u. `4 A
platium credit card:
6 l# v; V6 E6 O: f& Euseful on car rent for covering insurance, also discount in gas) j3 q' q' N2 ]3 z
citi bank is the best, but need at least 36000 anual income
, K; K4 o# T! q; G6 V- b& A
! U! r/ m6 k# L; battentions:, U7 [' s. \! r( i% O
do not use credit card at very small shop, especially they print your whole - C) ]0 ^: Q4 o3 _0 @/ T$ J) ^8 ?
card number on receipt. If you check the receipt from big store, it only " u# y# e. n0 S1 z2 T! ^, _
shows end 4 number .This is new card rule, but small shop hasn't enough ' {1 v0 U+ h2 k# v
money to do it4 {, q" i" q* Y
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
& ~! ^. G, q8 ?* j4 d' ido not withdraw cash , overdraft, and pay part of bill on credit card
0 L' y3 |! A% b6 L! k) d6 d% d
7 j7 U8 o K% i4 i& R$ [4 G[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]( y; C4 c7 a3 o8 t! @% ^
9 K; p8 Q# Q. Y5 g6 B( V; `% ~. [2 V
[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
|