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旧 May 30th, 2011, 22:38   只看该作者   #41
ttjjww
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默认

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作者: zhoutieJJJ 查看帖子
简单的说,就是通过GCR购物得到GCR返还的2%推荐费。其余一切相同。

5%的信用卡CashBack仅适用于前半年600以内的Gas Or Grocery purchase.
谢谢解释!

从GCR然后再连接到TIGER DIRECT, 虽然可以得到2%的推荐费,但是还要付SHIPING费. 到店里去买,省去SHIPING费, 但无法得到推荐费. 推荐费和SHIPING费几乎相等, 我算了一下.
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旧 May 31st, 2011, 19:20   只看该作者   #42
ev_huang
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默认

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作者: zhoutieJJJ 查看帖子
以前老用petro point mastercard加油,省两分钱每升,又可以得petro points。无意中发现,只要出示这个卡,所有买的Gas都可以省两分钱。也就是说,如果油价每升1元,你在Loblaws买了Petro Canada的25元Petro Canada Gift Card, 用的是Smart Cash。又在加油站买了30升油,用刚买的Gift Card 和 PetroPoints Mastercard,你可以省:

$25 x 3% = $0.75
$0.02 x 30 =$0.60
请问,在petrol canada加油,Gift Card和PetroPoints Mastercard能一起用吗?好像只能用其中的一种方式来付帐吧。
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旧 Jun 1st, 2011, 06:17   只看该作者   #43
zhoutieJJJ
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默认

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作者: ev_huang 查看帖子
请问,在petrol canada加油,Gift Card和PetroPoints Mastercard能一起用吗?好像只能用其中的一种方式来付帐吧。

可以一起用。

你只需要买比你gift card balance 稍多一些就可以了。

先用GC付,再用信用卡付剩下的余额,整个消费全部省两分。
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旧 Jun 1st, 2011, 06:33   只看该作者   #44
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默认

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作者: 细胞 查看帖子
看着都累.

我当然明白你很mean,谁也不是傻子。

我这个帖子本来就是为穷人写的,你有钱人请离开。以前装糊涂,现在想没必要。你人不厚道,我何必忍你呢?请不要看以下内容。

用LOC而不用Chequing Account 的优点在于,你只需要保证Balance 〉0即可,不用付利息。一旦小于0,也没有什么大不了的。利息几乎可以忽略,远远比不上那些明的、暗的Fee。

而传统的支票帐户,你必须保证余额大于一定值,至少1500元,很多5000。而且,透支功能要么提前交钱,每月5元,如RBC,要么每次5元,如TD。一旦发生余额低于定值,每月至少十几元的Fee。
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旧 Jun 1st, 2011, 06:39   只看该作者   #45
zhoutieJJJ
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默认

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作者: ev_huang 查看帖子
请问,在petrol canada加油,Gift Card和PetroPoints Mastercard能一起用吗?好像只能用其中的一种方式来付帐吧。
看贴不认真,罚回去抄书一百遍。

我仔细看了我的原贴,解释得很清楚呀。难道我中文退化了?

设油价1元,买油30升,用GC25元,信用卡付余额。
$25 x 3% = $0.75
$0.02 x 30 =$0.60
共计1.35元。

注意,3%仅适用于25元GC Purchase, 每升2分适用于整个消费。
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旧 Jun 1st, 2011, 14:26   只看该作者   #46
ctzcy
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默认

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作者: zhoutieJJJ 查看帖子
你申请时可以读一下各种信用卡的说明,基本上都没有年费。但是,我推荐的mbna smart cash可以返还现金,而且很高。

如果,想多挣钱,可以再申请另一个卡,每个多得60元(MBNA)。不过,我不认为申请好多信用卡是个good idea。

至于我自己,有两个MBNA信用卡,一个正用着它...
怎么才能申请两张卡呢?一直没搞明白。
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旧 Jun 3rd, 2011, 14:40   只看该作者   #47
zhoutieJJJ
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默认

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作者: ctzcy 查看帖子
怎么才能申请两张卡呢?一直没搞明白。
申请信用卡到手后再申请一个不就行了?当然,前提是你信用足够好。

CG4H: Gold MC - 0% for 15 months
CG4G: Platinum MC - 0% for 15 months
CH46: Platinum MC - 0% for 12 months
CJVR: Platinum MC - 0% for 15 months
CJQ3: Platinum MC - 0% for 15 months

以上是申请MBNA信用卡的PROMOTION CODE,注意申请时添到适当的栏目里,卡到手后就可以作balance transfer,0利率。一定要注意我以前的帖子里提的那些。

个人推荐MBNA Shoppers MasterCard信用卡。从GCR申请,可以得到$60元,无年费,还有15000 optimum points可拿,大约值$20,可以在shoppers drug mart用。当然,最好的还是刚才说的 0 利率 balance transfer。如果不知道怎么回事,看我以前的帖子。
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旧 Jun 3rd, 2011, 14:41   只看该作者   #48
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默认

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作者: zhoutieJJJ 查看帖子
申请信用卡到手后再申请一个不就行了?当然,前提是你信用足够好。

CG4H: Gold MC - 0% for 15 months
CG4G: Platinum MC - 0% for 15 months
CH46: Platinum MC - 0% for 12 months
CJVR:...
你也可以同时申请两个不同的信用卡。
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旧 Jun 12th, 2011, 09:55   只看该作者   #49
zhoutieJJJ
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默认

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作者: zhoutieJJJ 查看帖子
这阵子申请MBNA信用卡得60加元,是个好deal。

我在发第一个帖子时,提到信用卡申请多了,影响信用。也就是说,不要随便申请信用卡,申请LOC,等等。可是,我们老祖宗有一句话,过犹不及,如果太计较得到一个很高的信用分,实际上是走入了另一个误区。

你的信用分某种意义上,是你积累的财富。如果不消费...
前几天有事情和RBC的Financial Advisor接触,具体事情就不说了。据Nancy(From RBC)说,实际上Beacon Score只要在720以上,就已经Perfect了,太好了实际上并不会带来更多好处。这个时候,再增加信用分,不如增加其他方面,比如Assets,收入等。看来我以前提的750有点误导。720足矣!
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旧 Jun 12th, 2011, 10:11   只看该作者   #50
zhoutieJJJ
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默认

MBNA是BAC下的银行,老东家在美国,它的条款相比我们加拿大的信用卡来说,很诱人,实际上,还是不如美国的同类信用卡。大家可以具体看看。

我几乎每年都收到它给的promotional cheque,除非条件好,基本扔掉。常用的是0.99%或者零利率的支票。如果想take advantage of这个promotion,可以这样做:

1 用我的link在GCR注册一个账户。
2 log in.。
3 点击菜单下方的MBNA信用卡。
4 选择申请MBNA Platinum Plus Mastercard

你会得到15个月的0 interest balance transfer的priviledge。它可以作为已有Smart Cash MBNA MC的一个不错的补充,专门做Balance Transfer。只要在Jun 30前批准,再挣$60。

一定要小心,别弄巧成拙,付高利息。
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旧 Jun 12th, 2011, 17:22   只看该作者   #51
lylouis
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发送 MSN 消息给 lylouis
默认 请问LZ有否免除1% Transfer fee的经历呢? 谢

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作者: zhoutieJJJ 查看帖子
MBNA是BAC下的银行,老东家在美国,它的条款相比我们加拿大的信用卡来说,很诱人,实际上,还是不如美国的同类信用卡。大家可以具体看看。

我几乎每年都收到它给的promotional cheque,除非条件好,基本扔掉。常用的是0.99%或者零利率的支票。如果想take advantage o...
LZ辛苦了. MBNA一般给%0-1.99%的优惠利率,几个月到1年多点. 不过MBNA卡一直都有1%的Transfer fee. 这个时候,需要注意Promption的时间. 如果给是时间只有6个月, 那你这个1%的Transfer fee,相对于你的年利息2%了.另外,现在MBMA都要求每月的Minimum Payment至少是借款额度的1%.比原来的Minimun Payment高不少.这样对使用的人来说,还款压力大不少.
另外: 请问LZ有否免除1% Transfer fee的经历呢? 谢谢.
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旧 Jun 13th, 2011, 12:44   只看该作者   #52
zhoutieJJJ
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默认

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作者: lylouis 查看帖子
LZ辛苦了. MBNA一般给%0-1.99%的优惠利率,几个月到1年多点. 不过MBNA卡一直都有1%的Transfer fee. 这个时候,需要注意Promption的时间. 如果给是时间只有6个月, 那你这个1%的Transfer fee,相对于你的年利息2%了.另外,现在MBMA都要求每月的M...
是的。

我印象中没有掏过1%的balance transfer fee。

第一次,是MBNA打电话找我,最后商定我掏1% Fee ,不过,我回头打电话回去,他们给我 Credit Back。

还有一次,是只掏0.5% Fee。

最后一次,和第一次一样,但是,CSR给我把优惠期延长到15个月,而且让我挑,要么1% Fee, 0 利率;要么免费,0.99%利率,我选了后者。
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旧 Jun 13th, 2011, 16:59   只看该作者   #53
喜欢公平
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默认

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作者: zhoutieJJJ 查看帖子
再介绍一个省小钱的tip:

刚来加拿大时,几乎所有人都开了支票帐户,可以用来付账单、写支票等。可惜这里的银行都有费用,几乎每个月十元,或者保持一定的余额,一般至少壹千或壹千五,多的是五千,其实是变相收费。按利率3%算,1500元余额就是每年45元,或者更多。如果要透支功能,不光付高利息,而且每次还...
你这个信息很好就是太麻烦。免费用的好办法是:
到RBC开个支票账户的同时,开个VISA卡,开个投资账户(比如RRSP or GIC $500),就免服务费了。
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旧 Jun 14th, 2011, 06:27   只看该作者   #54
zhoutieJJJ
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默认

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作者: 喜欢公平 查看帖子
你这个信息很好就是太麻烦。免费用的好办法是:
到RBC开个支票账户的同时,开个VISA卡,开个投资账户(比如RRSP or GIC $500),就免服务费了。
谢谢分享。

恰好我前不久刚在RBC这样做了,补充一下。

这种方法得到的是RBC最Basic的Day to Day Banking Chequing Account,正常每月4元,15 free debits / month,对我来说,往往不够,用LOC则次数不限。而且,overdraft需要每月5元。而LOC没有这个限制。最后,这种帐户RBC不给免费支票,而LOC可以无限制要支票。

如果有信用卡和投资帐户,可以得到4元rebate。如果有MORTGAGE或者它的HOMELINE,可以免费升级到No Limit Banking。总之,nothing is free。

LOC就比较好了,没有那么多限制,而且方便,额度也可以很高。

具体看这吧:


http://www.rbcroyalbank.com/products...its/index.html
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旧 Jun 14th, 2011, 06:39   只看该作者   #55
zhoutieJJJ
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默认

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作者: 喜欢公平 查看帖子
你这个信息很好就是太麻烦。免费用的好办法是:
到RBC开个支票账户的同时,开个VISA卡,开个投资账户(比如RRSP or GIC $500),就免服务费了。
你这个方法除了次数限制外,实际上还需要balance 〉0,支票也要花钱。LOC则没有这些限制。

仁者见仁,智者见智,我反正是用LOC习惯了。
zhoutieJJJ 当前离线  
旧 Jun 21st, 2011, 20:53   只看该作者   #56
yoycat
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默认

lz ,我用你的Orange Key开了一个ing的账户。
有个问题想问你,如果我从其他银行转账到ing的账户,如何收费啊
yoycat 当前离线  
旧 Jun 22nd, 2011, 07:37   只看该作者   #57
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默认

引用:
作者: yoycat 查看帖子
lz ,我用你的Orange Key开了一个ing的账户。
有个问题想问你,如果我从其他银行转账到ing的账户,如何收费啊
谢谢先.
目前我还没有收到referral bonus。等到帐时,我再捐出去吧。当然,华人机构优先。

回到你的问题,你可以在ING设LINK把其他银行账户和你的ING连起来。这样一来,转入转出都不要钱。

Login后,点‘My Info And Options’-〉‘Links To External Account',设好后,ING会要求你寄一张空白支票来Confirm。一旦完成,很方便。
zhoutieJJJ 当前离线  
旧 Jun 22nd, 2011, 07:43   只看该作者   #58
zhoutieJJJ
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默认

ING的ISA利息稍高,1.5%。暂时不用的钱可以放里面。可以随时转到支票账户,马上用,这一点和PC Financial不一样,后者需要提前一天。

还有,我趁ING前一阵Promotion时,开了一个Children's Saving Account,利息2%。当时给$25,不知道现在还有没有。我现在已经关了我的ISA,只用小孩的账户了。
zhoutieJJJ 当前离线  
旧 Jun 22nd, 2011, 19:16   只看该作者   #59
zhoutieJJJ
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默认

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作者: zhoutieJJJ 查看帖子
我前一阵子推荐过ING的支票账户。最近它有promotion,详见:
http://www.ingdirect.ca/en/chequing/index.html
也就是说,把工资自动上账,给100加元,截至到7月31日,现在开户还来得及。加上开户挣得25元钱,共得$125。

还是那句话,...
对了,还有一件事未必人人知道。为了挣那$100没有必要把工资全部存到ING,一部分即可。

一般这里雇主可以分三部分分别存在不同的账户里。我猜大概是为了照顾那些需要前夫抚恤金的带孩子的妈妈吧。

这对那些已经有mortgage在别的银行里,自动转账付款、付账单的那些人,特别有用。
zhoutieJJJ 当前离线  
旧 Jun 22nd, 2011, 19:24   只看该作者   #60
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默认

引用:
作者: yoycat 查看帖子
lz ,我用你的Orange Key开了一个ing的账户。
有个问题想问你,如果我从其他银行转账到ing的账户,如何收费啊
我上面讲了自动转账的方式,方便简捷。你当然可以象传统的那样,直接写支票,存支票。都没有费用,而且我从未听说过存钱收费的。

还有,一般银行如果支票存款数额太大,都要hold5个工作日,确实支票有效。时间长了,这个限制可能放松或取消。目前ING支票帐户存款前一千不hold,可以马上用。其余需要等几天。

具体到每个人可能不一样。大家不太较真儿了。

还有,工资不hold。
zhoutieJJJ 当前离线  
感谢 zhoutieJJJ
此篇文章之用户:
yoycat (Jun 24th, 2011)
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