请问，非移民能不能办信用卡？
- 主题发起人 Karl
- 开始时间
多谢各位！
我现在还是有些事情不明白，按照CS-COOP的说法，一个MasterCard账户上的banlance最高是0，也就是说你只能欠钱，然后按月还款。是这样吗？
我今天给CITI BANK打了个电话，他们说他们就只有MASTER CARD账户，没有什么CHEQUEING或者SAVING账户，那么我每个月的钱是怎么划到MASTER CARD的账户上呢？难道我要每月跑一次？
还有，TD BANK需要1000刀的存款，这是不是说明VISA CARD 和这个银行的账户有什么联系？如果我3年内要回国的话，这1000刀能否提前支取？是不是又要收什么费用了？（我是让这里银行的收费搞怕了，一不小心就要被charge）
确实很糊涂啊。
我现在还是有些事情不明白，按照CS-COOP的说法，一个MasterCard账户上的banlance最高是0，也就是说你只能欠钱，然后按月还款。是这样吗？
我今天给CITI BANK打了个电话，他们说他们就只有MASTER CARD账户，没有什么CHEQUEING或者SAVING账户，那么我每个月的钱是怎么划到MASTER CARD的账户上呢？难道我要每月跑一次？
还有，TD BANK需要1000刀的存款，这是不是说明VISA CARD 和这个银行的账户有什么联系？如果我3年内要回国的话，这1000刀能否提前支取？是不是又要收什么费用了？（我是让这里银行的收费搞怕了，一不小心就要被charge）
确实很糊涂啊。
To Karl,
一个MasterCard账户上的banlance最高是0，也就是说你只能欠钱，然后按月还款
Yes.
钱是怎么划到MASTER CARD的账户
online banking or mail a check.
TD BANK需要1000刀的存款
This is for chequing account, not for visa account. And it's NOT mandatory, you can have balance lower than this, the only problem you need to pay for the transaction.
For credit card application: The visa and master will use same credit checking for your apply. So it's very hard for you to get the visa. Try to build your credit history first.
一个MasterCard账户上的banlance最高是0，也就是说你只能欠钱，然后按月还款
Yes.
钱是怎么划到MASTER CARD的账户
online banking or mail a check.
TD BANK需要1000刀的存款
This is for chequing account, not for visa account. And it's NOT mandatory, you can have balance lower than this, the only problem you need to pay for the transaction.
For credit card application: The visa and master will use same credit checking for your apply. So it's very hard for you to get the visa. Try to build your credit history first.
In some banks, you can apply a credit card even you are not a PR. What you need to do is to tell them you have a job here (work perimt, contract or letter from the institute etc) and make a term deposit (like GIC or what ever, about $1000) in this bank. The credit is about the same amount of the term deposit. You can take your money back when you cancel the credit card or when the term is complete.
I was at the exact situation as you before and I got a CIBC visa.
I was at the exact situation as you before and I got a CIBC visa.
prettylion
-=ERG=-||一招就死
- 注册
- 2002-05-27
- 消息
- 14,786
- 荣誉分数
- 36
- 声望点数
- 208
到Canadian tire 申请MASTERCARD吧，什么也不问，填个表一个星期就收到
我和我男朋友都是国际学生，一样申请到了
我和我男朋友都是国际学生，一样申请到了
I used to have the same kind of experience when I was a visting scholar (Postdoc at CU).
I got refused by almost all big banks. The reason of course is that you are not a landed immigrant yet. Later on, I took a part time course at CU; and I tried to apply through the on-campus student Visa application process. Finally, I got my first credit card before immigrating. It is a tough process to get the first one.
However, I do think that you should be OK for a credit card if you can deposit a fixed lump sum money in the bank.
I remember seeing a similar posting that a new student complains of not being able to get his (her) apartment application approved. It is actually due to the same route problem: Establishing your first credit record is difficult.
I got refused by almost all big banks. The reason of course is that you are not a landed immigrant yet. Later on, I took a part time course at CU; and I tried to apply through the on-campus student Visa application process. Finally, I got my first credit card before immigrating. It is a tough process to get the first one.
However, I do think that you should be OK for a credit card if you can deposit a fixed lump sum money in the bank.
I remember seeing a similar posting that a new student complains of not being able to get his (her) apartment application approved. It is actually due to the same route problem: Establishing your first credit record is difficult.
Be patient, Karl!
You may start trying some store credit cards first such as those suggested by some users upstairs.
Zellers, Canadian Tire, even CAA. But, you may still face the problem of your status: You are not a landed immigrant yet. Unfair but reasonable!
Give it a shot but don't be discouraged if declined; otherwise, wait until you have changed your status here if you can not afford a fixed lump sum deposit.
You may start trying some store credit cards first such as those suggested by some users upstairs.
Zellers, Canadian Tire, even CAA. But, you may still face the problem of your status: You are not a landed immigrant yet. Unfair but reasonable!
Give it a shot but don't be discouraged if declined; otherwise, wait until you have changed your status here if you can not afford a fixed lump sum deposit.
