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[原创]信用卡攻略
gdgd 2006-10-28 03:23

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 2006-10-28 03:40

why did you say BMO Airmile mastercard is garbage?

gdgd 2006-10-28 03:54

引用:

作者: happyatu (帖子 1129134)
why did you say BMO Airmile mastercard is garbage?

comparing with AMEX air mile, yes.

szbeginner 2006-10-28 04:10

研究过一阵子,看过一篇不错的文章:
http://www.redflagdeals.com/deals/ma...icles/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 2006-10-28 04:14

另外BMO的美金卡是免年费的%0.5 cash reward

kitty 2006-10-28 04:14

thx

gdgd 2006-10-28 04:35

引用:

作者: szbeginner (帖子 1129167)
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 2006-10-28 04:37

引用:

作者: szbeginner (帖子 1129161)
研究过一阵子,看过一篇不错的文章:
http://www.redflagdeals.com/deals/ma...icles/credit2/

....

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

mxdld 2006-10-28 04:39

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 2006-10-28 04:50

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 2006-10-28 05:03

引用:

作者: mxdld (帖子 1129215)
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 2006-10-28 05:04

引用:

作者: mxdld (帖子 1129205)
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 2006-10-28 06:07

引用:

作者: mxdld (帖子 1129205)
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 2006-10-28 06:11

引用:

作者: gdgd (帖子 1129120)
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 2006-10-28 07:59

:wdb17:
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 2006-10-28 09:27

唉呀,我用的就是那个garbage

shunlife 2006-10-28 11:30

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 2006-10-28 12:26

引用:

作者: manni (帖子 1129361)
:wdb17:
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 2006-10-28 12:43

俺也在用garbage

crispwolf 2006-10-28 13:10

引用:

作者: shunlife (帖子 1129762)
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 13:20

收藏

xyzyjq 2006-10-28 19:11

我有一个GARBAGE了,正在考虑如何取消呢.

Jason 2006-10-30 13:47

好像VISA卡普遍没有什么reward。收藏,谢谢。

hows123 2006-11-07 08:36

唉,我用着的也是garbage

bbqbbq 2006-11-07 09:09

这么好的贴,应该放到理财版去,让更多的人看到.:wdb17:

zzz 2006-11-07 11:07

理财高招,虽然有些还不大明白。

mxdld 2006-11-07 11:13

PC的信用卡怎么样?

水门提督 2006-11-07 11:19

引用:

作者: mxdld (帖子 1152482)
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 2006-11-24 10:13

更新了几个使用信用卡的地方.....

dondondondon 2006-11-24 11:31

up

crystal_clear 2006-11-24 11:39

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 2006-11-24 11:40

引用:

作者: crystal_clear (帖子 1185398)
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.

:(

:wdb14: :wdb14: :wdb14: 现在信用卡用的很多。

crystal_clear 2006-11-24 11:43

引用:

作者: gdgd (帖子 1185405)
:(

:wdb14: :wdb14: :wdb14: 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 2006-11-24 11:45

引用:

作者: crystal_clear (帖子 1185416)
可惜可惜~ 用得多的可用年费卡有5%rebate, $2000/year上限.

那儿有啊?:wdb5: 也停了

crystal_clear 2006-11-24 11:50

引用:

作者: gdgd (帖子 1185427)
那儿有啊?:wdb5: 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 2006-11-24 11:53

引用:

作者: crystal_clear (帖子 1185446)
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 2006-11-24 11:59

引用:

作者: gdgd (帖子 1185462)
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。

:wdb5:
http://www.chinasmile.net/forums/sho...d.php?t=154346

gdgd 2006-11-24 12:52

引用:

作者: crystal_clear (帖子 1185483)

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 2006-11-25 04:21

引用:

作者: szbeginner (帖子 1129167)
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 16:55

谢谢!

lilyzhn 2007-10-16 04:25

thx

游荡的风 2007-10-25 16:02


effie2001 2007-11-22 16:14

好铁