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only if you can get a credit card as below, & A! `0 @$ K% u6 i) [
otherwise no need open account at China
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9 s: u# m* m% Y% a- ?' s4 jafter landed, the banking business you need to do is:
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# B& L. \9 B7 z5 y5 [/ A- ^1.pc financial 的 saving account and debit card
W; `- P/ {8 |7 x, M1 {saving account - K5 Z q: N& m# a8 B
it's the safe and very high rate, cacu interest on day, get free check *****: |6 K8 a# J* P4 f* s' ~
*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
9 d; f' m, _/ ]% k% J9 Udebit card% O/ Y$ ^! ^7 f
it's free , use for first month to accumulate a little reward**
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2.visa card
: `, Z+ ?+ `0 a" acibc divid credit card *****
1 L3 I) Q$ ]. n2 `: j* b/ Iscotia bank divid credit card
. Z3 S4 d+ u& |* V* e( a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$ C+ n0 m) @( _
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.) C6 ~) o! Q6 q' V6 H' t
you also should choice one can return cash, or airmile+ @0 B+ W5 H- z& A
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8 N. F# S! W* g. B& d, i. V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
- Z r7 O. L! M: B( R) k( Sso anybank's master card is ok, cause you need change to PC credit card at
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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
0 {. X0 n( X" K# o: qTD 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$1000，每次要收取手续费。老扬推荐的就不错3 @' v1 F1 U; h) O
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*一定要无年费，联名, 夫妻各办一种最合适* }2 p& ^) ]0 e7 A( @- u
*我们家有两种信用卡，都是联名的，只是Mastercard我是主申请，Visa老公是主申请。因为总去superstore买东西，那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时，银行的人给老公说，你LP的信用记录非常好，可是你的不行，几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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# J8 p+ I1 S) r% a; }; U" Eplatium credit card:3 z4 |# s& o& S; |7 C
useful on car rent for covering insurance, also discount in gas8 Z% l( y c3 Z& i" L1 f; l! \% a
citi bank is the best, but need at least 36000 anual income. A7 D2 b% T! V) A: O }
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attentions:
4 B1 o" X, }9 k$ I# N& ldo not use credit card at very small shop, especially they print your whole
, z8 H+ j9 [+ [) N5 Scard number on receipt. If you check the receipt from big store, it only 2 i6 f4 m, r' o- ?+ ~9 T$ o
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 once1 L4 v9 S" w6 Q( p+ n
do not withdraw cash , overdraft, and pay part of bill on credit card
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1 s' n4 A" o% f; Y' D! k[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]
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" V( E) F ]* L- c1 y[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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狗仔卡
发表于 2005-1-19 04:16
提升卡
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显身卡
发表于 2005-1-19 15:21
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