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only if you can get a credit card as below, / Q& D/ v7 R9 g7 `( y3 L
otherwise no need open account at China9 x0 Y' B# [; S& q6 E& ^7 o
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after landed, the banking business you need to do is:) J1 W6 z& M2 u5 e1 k
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1.pc financial 的 saving account and debit card
8 M. N0 a$ K1 l# ysaving account * @2 y. Y/ S) q% ?! n
it's the safe and very high rate, cacu interest on day, get free check ***** \( D' j! h( ` Q: Q; S# F% z: i
*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& L# ]0 N; `4 b8 l; g$ I
debit card& \8 n' S9 H/ t' h Q) d4 }
it's free , use for first month to accumulate a little reward*** l v* e$ A. g( K
: u; z& U0 M/ c$ g! e. u2.visa card
/ q) d0 {/ `) P B* [1 X4 @# \* Ocibc divid credit card *****
* U* {, m- |- e; f' t8 i6 f" Lscotia bank divid credit card
2 l( E- c! B2 z9 u2 k$ _2 M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' s2 x/ v8 `3 S1 u
some shop do not accept visa card, so you need apply one .also joint account, your wife change as main apply this time.( T2 {8 u/ Z! \" w( X7 f
you also should choice one can return cash, or airmile
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( e& s% z8 k( {$ `0 ?5 O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
$ I0 q; [) ?( b5 dso 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
7 a; O9 Z' Z( V1 b8 [. ZTD 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$1000,每次要收取手续费。老扬推荐的就不错" O0 ^4 r' X E
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*一定要无年费,联名, 夫妻各办一种最合适
, R7 k. B+ N; w0 }*我们家有两种信用卡,都是联名的,只是Mastercard我是主申请,Visa老公是主申请。因为总去superstore买东西,那里只能用mastercard所以我们就集中使用mastercard。结果当我们申请Mortgage时,银行的人给老公说,你LP的信用记录非常好,可是你的不行,几乎没有。你要多用信用卡来建立你的信用记录。结果现在几乎全用Visa了。
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7 ~/ v) @- y% C) t! l2 Fplatium credit card:8 I) x; V* E# y7 z" F" X! |1 I2 x
useful on car rent for covering insurance, also discount in gas
9 u! ]. M+ Y. v, m# q8 x2 B- rciti bank is the best, but need at least 36000 anual income' _* `! ?4 g$ [- t
: w1 m+ }% B7 ~6 ~/ O: s. v, I* jattentions:
4 u. D" P6 t) a* [" [8 ^do not use credit card at very small shop, especially they print your whole
, f0 Y* U, t n% {. J+ scard number on receipt. If you check the receipt from big store, it only 9 K" n1 v" O; @/ c8 y" E6 g7 v7 U/ R
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 once4 X; y+ _, T h
do not withdraw cash , overdraft, and pay part of bill on credit card n( d6 G6 S* u3 y$ o; p0 f g
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[ Last edited by callmelxylt on 2005-3-25 at 01:22 AM ]! s+ M I1 N, ~4 Z$ t2 N
; g- Z# o, H4 j0 t[ Last edited by callmelxylt on 2005-7-24 at 01:05 PM] |
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