Topic: I'm in Toronto. I have no job at present. How to apply for a credit card? @枫下论坛 The Rolia Forum

枫下家园 / 理财投资税务 / I'm in Toronto. I have no job at present. How to apply for a credit card? -helen_han(mumu); 2001-7-29 (#149096@0)

ask it from TD bank. u can deposit 2000 for 1000 credit. -ca010406(pantuanyuan); 2001-7-29 (#149180@0)

Can i use USD 2000 as deposit? I don't want to change my us dollars into CAD. -guest:; 2001-7-29 (#149295@0)

How is TD bank' service? I opened account in Royal Bank under my friend's suggestion. And I feel Royal Bank's service is very good except they don't let me use credit card without a job. -helen_han(mumu); 2001-7-29 (#149448@0)

Well, maybe every bank has its own advantage. I couldnt compare them all. Anybody who stayed longer may give u advice on it. -ca010406(pantuanyuan); 2001-7-29 (#149454@0)
I prefer Royal bank too. But I got the credit card in one week after I landed here. Rules changed ? -beibei(beibei); 2001-7-29 (#149513@0)

When and how did u get credit card from Roybank? How to apply for it? When I asked, they told me they can't let me use credit card because I have no job! -helen_han(mumu); 2001-7-30 (#150145@0)

I landed Toronto on Sept.19,and got the visa card in one week later. Maybe rules changed. -beibei(beibei); 2001-7-30 (#150328@0)

TD Bank is the best, especially the convenience of its online banking which rated No. 1 in Canada. -bloor(不老); 2001-7-30 (#150345@0)

TD is good until you have a gold visa with them, rips you off to the bone -slimpiggy(瘦猪犹如插翅虎); 2001-7-30 (#150356@0)

I am so glad they don't give me a Gold Visa -bloor(不老); 2001-7-30 (#150359@0)
I only have a trading account at TD Waterhouse, I didn't apply for a visa card at TD, but they offered me a gold visa card, so I accepted it. But now sounds scared. -guest:潇晴; 2001-7-30 (#150437@0)

It's bad all right, My mastercard usually has a minimum payment thing, where the minimum payment would be zero if the balance owing is less than 2% of the credit line, I assume the same for the TD Gold, and guess what -slimpiggy(瘦猪犹如插翅虎); 2001-7-30 {153} (#150472@0)
TD charged me 50 bux for not paying an 8 dollar balance, apparently they have no such thing as minimum payment, or it's as bad as paying the whole thing

Royal Bank also provide the on-line banking and telephone banking,and I think Royal bank is the best one and biggest one in Canada. -beibei(beibei); 2001-7-30 (#150361@0)

Yes, almost all banks provide online and telephone banking. At least, I know that you can't check the details of your US mutual fund or do purchase of these funds online at Royal Bank, and you could at TD. -bloor(不老); 2001-7-30 (#150367@0)

That's right. 但我买卖US and CAD mutual fund的时候不会自己做，我通常会直接去找我的Account Manager，有了她的建议后，才买卖。所以我没觉得有任何不方便。 -beibei(beibei); 2001-7-30 (#150376@0)

美元储蓄有几种？GIC和MUTUAL FUND有什么联系与区别？ACCOUNT MANAGER 是给你开户的人吗？ -helen_han(mumu); 2001-8-5 (#156321@0)

You can try this website , to apply online. This is MasterCard, but I just heard it from nofrill, I don't know more information about it. -macsym(日进斗斤); 2001-7-30 (#150339@0)
Thank all of you! -helen_han(mumu); 2001-8-1 (#153080@0)
Go to the branch close to your home and apply a credit card. It's easy. Normally, if you don't have job, you can not apply CIBC or Royal Bank's VISA card. Any way, try Bank of Montreal or ScotiaBank. -lemondy(柠檬2000); 2001-8-5 {291} (#156382@0)
Go to the branch close to your home and apply a credit card. It's easy. Normally, if you don't have job, you can not apply CIBC or Royal Bank's VISA card. Any way, try Bank of Montreal or ScotiaBank. If you pawn about $1200 a year, you can apply a credit card with 1000 credits. Good Luck