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only if you can get a credit card as below, 3 a$ T' l2 B8 A" o7 v& V( N' y* J
otherwise no need open account at China
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after landed, the banking business you need to do is:3 |" k8 {# n. j
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1.pc financial 的 saving account and debit card
# s$ S/ q0 k0 _# Fsaving account K' C; j/ g1 ^8 K0 m' k
it's the safe and very high rate, cacu interest on day, get free check *****
/ S3 _6 { x+ k6 ^*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
8 t& j- K4 \9 pdebit card
+ I' h3 B: t/ K1 l% Z, I; A9 ?it's free , use for first month to accumulate a little reward**
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2.visa card0 |/ w2 F6 Q0 Y$ S
cibc divid credit card *****
6 E. T \, `, w! w2 ~. [* Wscotia bank divid credit card
1 i q, z8 W1 f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$ y, G' x) W& K: {
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3.master card
, z" r/ K f% O) ssome shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.4 h( d) V' o# V: t! y- M& M/ O
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* t2 m9 |% {2 q
so anybank's master card is ok, cause you need change to PC credit card at % g7 V3 O q) ^
last
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0 c3 L% z1 A& a: }$ A*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 ]. m$ [9 [' c/ @+ Y( l- 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$1000,每次要收取手续费。老扬推荐的就不错
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*一定要无年费,联名, 夫妻各办一种最合适
! `8 y* w# e+ k/ [6 ?*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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platium credit card:
. B; ?) i5 f0 Z$ T- \4 Ruseful on car rent for covering insurance, also discount in gas
2 [0 J) n0 Z5 R2 ?9 ^% W$ bciti bank is the best, but need at least 36000 anual income, m! P# \# q: U0 m! l; d
# @: B+ o/ D E! W8 o; b+ yattentions:
6 ]1 C8 b- e9 `+ jdo not use credit card at very small shop, especially they print your whole * Y) H* L0 H! E% u
card number on receipt. If you check the receipt from big store, it only 3 T/ l& X* C1 w, s0 R! N; z
shows end 4 number .This is new card rule, but small shop hasn't enough
, Q8 \& M: F2 h$ J8 Fmoney to do it8 G( ~) ~7 W9 l' X# N6 `% U/ K
wrote down every transaction you use credit for monthly balance checking, especially when your card is swiped more than once
$ o+ H7 w3 r- k! G6 cdo not withdraw cash , overdraft, and pay part of bill on credit card
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[ 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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