都来推荐自己喜欢的信用卡

[老总]

作者: moccafirst

往上翻了翻，貌似就是security deposit。

嗯嗯，其实都差不太多，就是有年费，没年费之分。

有年费的推荐cibc的aerogold或者aerogold infinite，

没年费的推荐pc的mastercard，实惠。

你烦了麻？

security deposit是针对没有credit history的人的，他那个是商业账户，不是personal的，可能有什么特殊要求的。
俺强力推荐citi driver's edge, 2%啊，没有年费的白金卡多好，车你总要买吧，家里两个人每5年换一辆车也不过分吧？

[moccafirst]

作者: 老总

security deposit是针对没有credit history的人的，他那个是商业账户，不是personal的。
俺强力推荐citi driver's edge, 2%啊，多好，车你总要买吧，家里两个人每5年换一辆车也不过分吧？

business account阿，different story。

每5年奏换车？地主！！！

[老总]

作者: moccafirst

business account阿，different story。

每5年奏换车？地主！！！

如果你家两辆车，就是每辆车开10年换一次，别太财迷好伐

[moccafirst]

作者: 老总

如果你家两辆车，就是每辆车开10年换一次，别太财迷好伐

啥意思？不太明白了，家有2车，每5年换一辆，就相当于每10年换一次？

[老总]

作者: moccafirst

啥意思？不太明白了，家有2车，每5年换一辆，就相当于每10年换一次？

此卡的rebate可用在你或你的家人换车的时候，今年, 你换，5年后, LD换；10年后你再换， 不就是你的车10才换一次？

[不醉不休]

作者: 老总

10%GasExpense + 10%grocery=20% of total expenses
20% x 5%(rebate) =1% money back - $59 anual fee = ?

老总:
If $20,000/Year expense, 20% of them is for Grocery and Gas, then:
20% x $20,000 x 5% -$59 = $141
(1-20%) x $20,000 x 1% = $160
Total Save $301

For 1% Card, you save $20,000 x 1% = $200

Actually, our expense for grocery and gas is more than 20%. Because most of the stuffs, like clothing, shoes, book, Electronics, Telephone, Cosmics, Furniture and Home/Garden stuffs, can be bought from SuperStore, 7-11 and other grocery stores. For my case, about 35~40% of expense.


To GOGOGO,
I received a letter from CapitalOne with the codes. But I couldn't find the promotion from their website, www.capitalone.ca. You may phone them for some information.

[不良牛]

作者: iExcel

The drawback is that PC bank doesn't have tellers. The workaround is to keep a SAVING account open at another bank that has tellers, such as TD.

U can go to any cibc branch for pc banking teller, but I havnt find a chance to see them yet.

I am not saying 5k in checking account is any biggie, but there is really no point to keep 5k balance in a checking account all the time.

[iExcel]

作者: 不良牛

U can go to any cibc branch for pc banking teller, but I havnt find a chance to see them yet.

No, CIBC tellers do not serve PC bank customers. As a PC bank customer, you may use CIBC's ATM machines but not its people service.

Did you have any luck having a CIBC rep to help you with your PC banking needs?

[statsjeff]

作者: 不醉不休

老总:
If $20,000/Year expense, 20% of them is for Grocery and Gas, then:
20% x $20,000 x 5% -$59 = $141
(1-20%) x $20,000 x 1% = $160
Total Save $30...

I want to know where 老总 learned the math