normanst

Capital One 好像不错

gracemao

Post by XIAOCHOUCONG
新手请教

提高信用的方法之一“是每月尽可能把额度花满吗？”

不是，是还钱要及时。最好是今天用了明天就还钱。当然，消费额度也很重要。给你这么多额度，当然是希望你用这么多，如果你都不用，就没理由给你涨了。

还有一个办法，去赌场里面的自动提款机提现，然后过几天就还上，信用度会涨的飞快。

HumptyDumpty

留学生，有了第一张信用卡，结果发申请申请其他的，结果现在来有5张，想注销账号，会减信用度么？

cyanhe

Post by HumptyDumpty
留学生，有了第一张信用卡，结果发申请申请其他的，结果现在来有5张，想注销账号，会减信用度么？

一般普通卡没有年费的，你不用就不会收你钱，所以也没必要注销吧。我一般都是用哪个卡比较实惠就用哪个卡，因为很多卡都有专门针对的商店，可以积分或者折换现金什么的。

圆明园

我想跟一位网友(Capital)推荐这篇文章, 找了半天.  
别白找.

wjyqm

谢谢回答！

montrealpost

Now, is there any better card for  累积点数和现金回报?

We only collect Aeroplan+BA Miles, business expense will be quite a bit this year.  Thanks in advance!

montrealpost

I don't have any details besides what's written below, please check before u take any action.

Futura Rewards Master Card (MBNA), up to 2%, max. $750 per year:
Annual Spending ==> Rewards%
0-5,000 ==>0.5%
5-15k  ==>1%
15-30k ==> 1.5%
30-50k ==>2%

https://www.futurarewards.ca/Promotions/Teaser/index.htm
https://www.futurarewards.ca/Pag ... irementSavings.aspx

montrealpost

For those of u who enjoy going out for coffee, highly recommend trying out the following card.  
- No annual fee,
- ~1% return on statement date, rewards can only be used at Starbucks.
- ~3%? on auto-reload your Starbucks card SIDE (the credit card is also Starbucks Card, 2 card in 1)
- Welcome bonus: $25 Starbucks$ ~4-6 weeks after first use.

Application: http://www.rbcroyalbank.com/cards/personal/starbucks.html OR http://www.starbucks.com/card/duetto.asp
       
Note:  
-  ~1%:  spend $2.0, u get 0.02; spend $2.5, u get $0.03 (believe all RBC cards use same rounding method)

- For couples, u may want to consider applying separately; 2 applications get $50 total.  If the 2 of u apply together on 1 application, only $25 for 2.

montrealpost

关于不用的信用卡+信誉记录的影响:  
http://www.sinoquebec.com/bbs/showthread.php?t=558491