Which banks in China issue American Express credit cards!

American Express International Limited (USA)

Express delivery)

Credit card and bank card: Simply understood, a bank card is equivalent to a savings card, and you can spend as much money as you have. This kind of card is basically used in China. It can be used directly on atm machines or directly in shops. If the daily bank balance is around a certain amount, such as $65,438+0,000, there is no need for any fees, otherwise the bank will charge a service fee of $4 per month. A credit card is a credit card given to you by the company, and you don't need to have a deposit.

Because it is generally difficult for new immigrants to apply for a bank account after landing (they need two identity documents, such as driver's license and sin card), it is best to apply for a bank account in Canada (see domestic application for opening an account in cibc, Imperial Commercial Bank of Canada), so that they can deposit money directly in the bank after landing, and it is best to apply for a credit card and buy a check at the same time on the same day (if the address does not change frequently, or a check without an address is required), and then they can apply for a bank card. The credit card will arrive in about 2 weeks, and you can sign it in Chinese or English (see the signatures on bank cards and credit cards), but you must not imitate it easily. Cibc requires 1 year to deposit 2000 Canadian dollars and issue a visa credit card with a spending limit of 1000 Canadian dollars.

With a credit card, you don't need to deposit money in 200 yuan to handle phone calls and mobile phones, which also lays a foundation for future shopping, personal micro-loans, house purchase and car purchase loans, because you usually have a credit record of more than 6 months and have a job (whether it expires or not).

time

or

part

Time), the bank will approve the loan Six months after landing, I got a visa credit card issued by cibc and a job, and I also got a visa credit card with a limit of 2,000 yuan from rbc Bank and a pc with a consumption limit of 5,000 Canadian dollars for free.

MasterCard, so the first credit card is very important.

In some shopping malls, you can apply for membership cards with credit cards, and there are many discounts. I am here

When Bei bought cosmetics for lp, the salesman saw me pay by credit card and said it was the first time to buy things by credit card. I applied for a discount of hbc credit card, which was 10% off, and it was cheaper for no reason 10, and then I handled it for free.

Bay's hbc membership card, with which you can join.

Future sales activities and shopping spots. At the same time, I applied for hbc credit card with 300 yuan credit line for free, and later lp got hbc credit card. Sears will give a discount of 10 Canadian dollars for the first time to purchase with a credit card, and apply for a Sears credit card for free. If you rent a car by credit card, you can waive the insurance premium for renting a car. Some banks stipulate that for every purchase of 65,438+000 Canadian dollars, 65,438+0 yuan cash can be returned, and shopping can also accumulate flying miles. . . . . . . .

The most common and main credit cards in Canada are visa and mastercard. Credit card consumption means that the credit card company helps you pay back, which is equivalent to borrowing money from it and paying it back at the end of the month. Credit card benefits include three parties: consumers don't have money to own goods, credit card companies charge merchants the use fee (about 1% ~ 2%), consumers can't repay in time and charge interest (37% of credit card customers in Canada can't repay in time), and merchants can sell goods to create profits.

Credit card repayment can be made by mail check or bank transfer, online bank payment, atm payment, telephone transfer, etc. There are two sources of income for credit card companies. One is loan interest. Some people can't repay in time and need to pay interest. In addition, the merchants have to pay the fees of the credit card company, accounting for about 1%~2.0% of the consumption, which is why the credit card company will lend you money for free. Some credit cards in China need to save money before spending. The credit card here is a real credit card, and you can spend or withdraw cash without spending a penny in your account. It costs about 2.5 yuan RMB to withdraw 200 Canadian dollars by visa credit card, and the cash interest is calculated from the date of withdrawal, not from the end of the month (the annual interest rate is 19%), so try not to withdraw cash by credit card (equivalent to cash borrowed from credit card companies). There is no charge for withdrawing cash from bank cards, as long as there is money in the account. The bank card can withdraw 200 yuan from the atm at one time, with a limit of 1 day and 1000 in cash. Large deposit banks need to provide personal documents, including driving license or maple leaf card, to ask about their origins.