[原创]信用卡攻略

加拿大家园论坛

[原创]信用卡攻略

原文链接：https://forum.iask.ca/threads/82994/

gdgd : 2006-10-27#1

本帖不讨论如何申请信用卡, 而是如何选择信用卡

个人经验, 欢迎纠正
All credit card we discuss here no annual fee.
(except US dollar credit card)

Reward and cash rebate card:

1. Reward
CITI petro-points mastercard: $1, 10 points and save 2 cent at pump.
PC Financial mastercard: $1, 10 points (20,000 PC points = $20 in free groceries or other rewards)
CanadianTire option mastercard: Earn Canadian Tire Money
TD GM Visa: %3 for GM car. If you do want to buy a GM car, a good choice
.......others
2. Cash Rebate
CIBC divident (0-1500 0.25% 1500-3000 0.5% 3000+ 1%)
AMEX Costco Platinum Cash Rebate ( 0-2000 0.25% 2000-5000 0.5% 5000+ 1%)
Capital One Cash Back Platinum MasterCard 1%
3. Airline
American Express Air Mile credit card $20, 1 air mile
BMO Airmile mastercard $40, 1 air mile (garbage..)

Low rate on Balance transfer Credit Card
CIBC divident 2.99% Currently till Aug 31 2007
American Express (Most) 3.99% 6 month
MBNA credit card 3.9% (Be careful of this one. 1% Transaction Fee applied on Cash Advance)
PC Mastercard 3.97% until balance is paid in full

Gold/Platinum card (for Auto Rental Collision/Loss Damage Insurance)
TD Gold Select Visa Card
MBNA Gold/Platinum
RBC Visa Gold
No-Fee ScotiaGold VISA card
Capital One Platinum card

US Dollar credit card
CIBC US Dollar Visa, $35 annual fee
TD U.S. Dollar Advantage Visa Card, $25 annual fee (Auto Rental Collision/Loss Damage Insurance)

To be continued......

:wdb20:

能用信用卡的地方要用信用卡，原因2个：攒点、累积信用

介绍一下几个大家可以用信用卡的地方
1 Rogers www.rogers.ca
2 Bell www.bell.ca
上面这2各大家基本都用网上银行付款，不合适啊。每月100多块，1000多点就没有了。到他们的网站上注册后就可以用信用卡付款了。

3 epost.ca
不知道地主多不多，如果要交水费、电费可以到www.epost.ca上注册你的电子帐单，就可以通过epost.ca用信用卡付款...........Attention, not confirmed yet
至今不知道如何用信用卡给煤气付款，哪位大虾知道说一声.... :wdb17:

此外多伦多的地税也无法通过信用卡付款 :wdb25:

此外foodbasic、pricechopper收Visa/Mastercard
NoFrills只收mastercard

Dabaicai : 2006-10-27#2

why did you say BMO Airmile mastercard is garbage?

gdgd : 2006-10-27#3

happyatu 说:
why did you say BMO Airmile mastercard is garbage?

comparing with AMEX air mile, yes.

szbeginner : 2006-10-27#4

研究过一阵子，看过一篇不错的文章：
http://www.redflagdeals.com/deals/main.php/articles/credit2/

简单来说
Just give me the cash:
I spend less than $6000/year: Citibank Enrich or Capital One 1% Cash Rebate Platinum Mastercard
I spend more than $6000/year, and/or I buy gas at Ultramar: National Bank Ultramar Card

I do a lot of my shopping at...
Costco: American Express Costco Platinum Cash Rebate Card
Holt Renfrew: American Express Holt Renfrew Card
Canadian Tire: Canadian Tire Options MasterCard
Shoppers' Drug Mart: CIBC Shoppers Optimum VISA Card
Air Miles Partners (A&P/Dominion, Shell, LCBO, Pharma Plus, etc.): American Express AIR MILES Credit Card
Starbucks: Royal Bank Starbucks Duetto Visa

I buy a lot of gas at...
Canadian Tire Gas Bar: Canadian Tire Options MasterCard
Petro-Canada: Citibank Petro-Points Mastercard
Esso: Royal Bank Esso Visa
Sunoco, UPI, or FS and I have a CAA Membership: MBNA CAA Mastercard
Ultramar: National Bank Ultramar Card

I have a CAA membership:
MBNA CAA Mastercard

I am saving for my child's education and...
I spend between $11,600 and $56,500/year on my credit card: Citibank KidsFutures Mastercard
I spend less than $11,600 or more than $56,500 : MBNA Stay in School Mastercard or Capital One 1% Cash Rebate Platinum Mastercard
I want extras like extended warranty, travel accident insurance, and I have good credit : MBNA Stay in School Mastercard or Citibank Enrich or Capital One 1% Cash Rebate Platinum Mastercard

I want to earn money to give to charity:
Citizens Bank Charity VISAs or National Bank Ultramar Card or Capital One 1% Cash Rebate Platinum Mastercard

I travel a lot, or am saving up to travel and I want to...
Fly or stay in hotels: MBNA Starwood Preferred Guest Mastercard
Book last-minute all-inclusive trips or cruises: MBNA Last Minute Club Mastercard

I'm saving up to buy a car...
Citibank Driver's Edge Mastercard

szbeginner : 2006-10-27#5

另外BMO的美金卡是免年费的%0.5 cash reward

kitty : 2006-10-27#6

thx

gdgd : 2006-10-27#7

szbeginner 说:
另外BMO的美金卡是免年费的%0.5 cash reward

heard of that. But can't find it online. Even in BMO this noon, the teller knew nothing about it.

gdgd : 2006-10-27#8

szbeginner 说:
研究过一阵子，看过一篇不错的文章：
http://www.redflagdeals.com/deals/main.php/articles/credit2/

....

Thx for the articile. Seems something common, right? :wdb6:

mxdld : 2006-10-27#9

这边如果网上消费是按美圆计算，怎么折算？
TD网上怎么查不到消费的明细？
一般消费到还款的期限是多少？
直接可以网上转帐到credit card上去吗？

mxdld : 2006-10-27#10

问个弱智问题，也是刚碰到的问题：
我要参加一个考试，必须是网上付费，而且标价是美圆，我用信用卡付了钱，卡里并没有钱，上TD的网上查询，我的credit limit仍然是1000刀，这样我就不知道我是不是已经成功付费了，还是一定要在卡里存上相应数量的金额才行或是隔几天才会charge你的account？

gdgd : 2006-10-27#11

mxdld 说:
问个弱智问题，也是刚碰到的问题：
我要参加一个考试，必须是网上付费，而且标价是美圆，我用信用卡付了钱，卡里并没有钱，上TD的网上查询，我的credit limit仍然是1000刀，这样我就不知道我是不是已经成功付费了，还是一定要在卡里存上相应数量的金额才行或是隔几天才会charge你的account？

I might be several days delay. I always met such situation, don't worry.

gdgd : 2006-10-27#12

mxdld 说:
这边如果网上消费是按美圆计算，怎么折算？
TD网上怎么查不到消费的明细？
一般消费到还款的期限是多少？
直接可以网上转帐到credit card上去吗？

1. sorry, don't know
2. wait several days
3. 3-4 weeks depends on different credit card
4. yes.

Exocell : 2006-10-27#13

mxdld 说:
这边如果网上消费是按美圆计算，怎么折算？
TD网上怎么查不到消费的明细？
一般消费到还款的期限是多少？
直接可以网上转帐到credit card上去吗？

当日汇率+几个百分点
只有TD的信用卡才能够查到
大多是20几天
可以，利息从当日开始计算，有的卡还收手续费

Exocell : 2006-10-27#14

gdgd 说:
本帖不讨论如何申请信用卡, 而是如何选择信用卡

个人经验, 欢迎纠正
All credit card we discuss here no annual fee.
(except US dollar credit card)

Reward and cash rebate card:

1. Reward
CITI petro-points mastercard: $1, 10 points and save 2 cent at pump.
PC Financial mastercard: $1, 10 points (20,000 PC points = $20 in free groceries or other rewards)
CanadianTire option mastercard: Earn Canadian Tire Money
TD GM Visa: %3 for GM car. If you do want to buy a GM car, a good choice
.......others
2. Cash Rebate
CIBC divident (0-1500 0.25% 1500-3000 0.5% 3000+ 1%)
AMEX Costco Platinum Cash Rebate ( 0-2000 0.25% 2000-5000 0.5% 5000+ 1%)
Capital One Cash Back Platinum MasterCard 1%
3. Airline
American Express Air Mile credit card $20, 1 air mile
BMO Airmile mastercard $40, 1 air mile (garbage..)

Low rate on Balance transfer Credit Card
CIBC divident 2.99% Currently till Aug 31 2007
American Express (Most) 3.99% 6 month
MBNA credit card 3.9% (Be careful of this one. 1% Transaction Fee applied on Cash Advance)
PC Mastercard 3.97% until balance is paid in full

Gold/Platinum card (for Auto Rental Collision/Loss Damage Insurance)
TD Gold Select Visa Card
MBNA Gold/Platinum
RBC Visa Gold
No-Fee ScotiaGold VISA card
Capital One Platinum card

US Dollar credit card
CIBC US Dollar Visa, $35 annual fee
TD U.S. Dollar Advantage Visa Card, $25 annual fee (Auto Rental Collision/Loss Damage Insurance)

To be continued......

都是些没年费的卡卡

manni : 2006-10-27#15

问大家一个问题,各位一般有多少种信用卡?
为什么问这个问题,因为有人说信用卡太多会影响你的信誉,这个说法对吗?

luhui : 2006-10-27#16

唉呀，我用的就是那个garbage

shunlife : 2006-10-27#17

现在很多国内办的信用卡也可以在国外用吧，不知道有没有人在加拿大还经常用国内办的信用卡，好用吗？

gdgd : 2006-10-27#18

manni 说:
问LZ一个问题,LZ一共拥有多少种信用卡?
为什么问这个问题,因为有人说信用卡太多会影响你的信誉,这个说法对吗?

本人一共拥有过5种信用卡，LD大人3种
:wdb11:

关于影响信用，我的理解是 :wdb9:

每次申请信用卡都会调查你的信用，都是对你的信用的一种伤害。如果你在短时间申请多张信用卡，会一定程度影响你的信用。

alex_lz2005 : 2006-10-27#19

俺也在用garbage

crispwolf : 2006-10-28#20

shunlife 说:
现在很多国内办的信用卡也可以在国外用吧，不知道有没有人在加拿大还经常用国内办的信用卡，好用吗？

可以用啊反正我会暂时留几年的

秋意浓 : 2006-10-28#21

xyzyjq : 2006-10-28#22

我有一个GARBAGE了,正在考虑如何取消呢.

Jason : 2006-10-29#23

好像VISA卡普遍没有什么reward。收藏，谢谢。

hows123 : 2006-11-06#24

唉，我用着的也是garbage

bbqbbq : 2006-11-06#25

这么好的贴,应该放到理财版去,让更多的人看到. :wdb17:

zzz : 2006-11-06#26

理财高招，虽然有些还不大明白。

mxdld : 2006-11-06#27

PC的信用卡怎么样？

水门提督 : 2006-11-06#28

mxdld 说:
PC的信用卡怎么样？

1%的回扣.
用它花一块钱=赚10点,1000点=1块钱.点数可以拿来在SUPERSTORE买菜,每次最少要2万点(20块钱)起换,可能是以万点为单位.

gdgd : 2006-11-23#29

更新了几个使用信用卡的地方.....

dondondondon : 2006-11-23#30

crystal_clear : 2006-11-23#31

夏天的时候Canadian Tire出了个Cash Advantage Master Card, 无年费卡rebate 3%.可惜现在停了.

gdgd : 2006-11-23#32

crystal_clear 说:
夏天的时候Canadian Tire出了个Cash Advantage Master Card, 无年费卡rebate 3%.可惜现在停了.

现在信用卡用的很多。

crystal_clear : 2006-11-23#33

gdgd 说:
现在信用卡用的很多。

可惜可惜~ 用得多的可用年费卡有5%rebate, $2000/year上限.

gdgd : 2006-11-23#34

crystal_clear 说:
可惜可惜~ 用得多的可用年费卡有5%rebate, $2000/year上限.

那儿有啊？

也停了

crystal_clear : 2006-11-23#35

gdgd 说:
那儿有啊？也停了

同一个卡啊~ 当时偶一拿到卡马上奔走相告, 也不知道有木有银申请了, 有点too good to be true的感觉.

gdgd : 2006-11-23#36

crystal_clear 说:
同一个卡啊~ 当时偶一拿到卡马上奔走相告, 也不知道有木有银申请了, 有点too good to be true的感觉.

你是不是old rdfer啊？我最近才去泡那个论坛的。只得了个0%的citi mastercard。

crystal_clear : 2006-11-23#37

gdgd 说:
你是不是old rdfer啊？我最近才去泡那个论坛的。只得了个0%的citi mastercard。

http://www.chinasmile.net/forums/showthread.php?t=154346

gdgd : 2006-11-23#38

crystal_clear 说:
http://www.chinasmile.net/forums/showthread.php?t=154346

每个月要3000刀以上才能5%? 俺就没这个能力咧。还是俺的Capital One吧。 :wdb19:

在1500刀以内是一样滴

manni : 2006-11-24#39

szbeginner 说:
另外BMO的美金卡是免年费的%0.5 cash reward

请问，BMO的美金卡在哪里能办上？我在网上BMO网页没找到申请的地方
:wdb17:

lake2002 : 2007-05-03#40

回复: [原创]信用卡攻略

谢谢！

lilyzhn : 2007-10-15#41

回复: [原创]信用卡攻略

thx

游荡的风 : 2007-10-25#42

回复: [原创]信用卡攻略

顶

effie2001 : 2007-11-22#43

回复: [原创]信用卡攻略

好铁

加拿大家园论坛[原创]信用卡攻略

原文链接：https://forum.iask.ca/threads/82994/

加拿大家园论坛

[原创]信用卡攻略