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  • 相约北美 / 定居入籍 / 我来多伦多已经三个月了，谁能指点一下，申请那个银行的哪种信用卡好，多谢指教。 -life(life); 2001-11-27 (#277196@0)
    • CIBC Dividen. -jeffrey815(Smartiecat); 2001-11-27 (#277198@0)
      • why,能告诉我原因吗 -life(life); 2001-11-27 (#277203@0)
        • CIBC dividend, no annual fee. UP to 1% money back at year end. Royal Bank Classic II, $10/yr, 1% money back in a form of certificate. I'm holding Royal Bank Classic II, got 110 dollars back. -jeffrey815(Smartiecat); 2001-11-27 (#277204@0)
          • Do you think the points make sense? -life(life); 2001-11-27 (#277207@0)
            • WHAT??? -jeffrey815(Smartiecat); 2001-11-27 (#277210@0)
              • I mean the rewarded points for the money spent. -life(life); 2001-11-27 (#277214@0)
                • Definately, if you pay your bill on time, you won't be charged interest. And you are getting 1% back. I spent 11000 on my card on everything for the past 2 years. and get 110 back. -jeffrey815(Smartiecat); 2001-11-27 (#277217@0)
                  • Thank you. But I know some cards provide miles back.Cash and miles ,which is better? -life(life); 2001-11-27 (#277225@0)
                    • I prefer cash.... -jeffrey815(Smartiecat); 2001-11-27 (#277234@0)
                • You can apply for a few card. like this reward card for your normal purchase, and a gold card and use it to rent a car. I used to have 5 credit cards, now cut down to 3. -jeffrey815(Smartiecat); 2001-11-27 (#277219@0)
    • ops, spelling mistake. CIBC dividend. -jeffrey815(Smartiecat); 2001-11-27 (#277201@0)
      • ooPs, you did it again... -mcdonald(麦当劳); 2001-11-27 (#277208@0)
        • 1 o is okay. -jeffrey815(Smartiecat); 2001-11-27 (#277211@0)
    • if you rent car very often, get any gold or plantium visa since they have insurance coverage on rental. -jeffrey815(Smartiecat); 2001-11-27 (#277206@0)
    • 一下都无年非： 1. Costco 的AmercanExpress， 有Upto 2％的回扣 2。Canadian Tire 的 Master Card， 有Canadian Money回扣 -ottawa(ottawa); 2001-11-27 (#277218@0)
      • Don't apply for American Express!! Some vendors in Canada still doesn't accept it. And almsot no vendor in China accept American Express. Mastercard is okay. -jeffrey815(Smartiecat); 2001-11-27 (#277224@0)
      • I do suggest you apply your card in a big bank, so you can use online banking to view the history and balance of your card. Place like Canadian Tire only has telephone banking or so, no online banking. -jeffrey815(Smartiecat); 2001-11-27 (#277226@0)
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