提醒别上当并广而告之：MBNA 的信用卡陷阱！

能不能完成注

MBNA is a big US credit card company. MBNA Canada is a subsidy of MBNA. Most credit card company in the US charge very low interest rate such as 1.99%, 2.99% for credit card balance transfer for a length of six months or a year, but a one-time transaction fee is imposed, which is nomarlly  3% of the amount to be transferred in. In this case, MBNA charges a much lower interest (just 1%) than its counterparts do in the US. Other credit cards issued by major banks such a CIBC, HSBC, donot charge a transaction fee, but the interest is as high as 18%.
By saying those above, what I want to mention is very sales promotion should be explored carefully to take advantage of the offer. This is the case for MBNA Canada. We could not simply say it cheats. By calculation this way, with one percent transaction fee, 1.99% interest rate for six months, you just pay about 2% for six months, comparing 9% you may have to pay for other major bank with a interest rate of 18% and no transaction fee.

veevee

偶也申请了也...而且也参加了那个什么PAYMENT PROTECTION PLAN. 没办法, 我拒绝了N次他们每次都不同人再打来.
不过申请归申请, 我拿到卡后却没有激活过. 所以, 是不是没事啊?.. 我担心啊... 应该不会泄露偶的个人信息或者出现不明帐目吧.

hgmjh

我也有用这个计划,即使加上1%的手续费,和原有的1.9%利息,其实也就是2.9%,还是比其他银行的利息便宜,只要按照计划还款,不会出什厶问题.我认为这个计划不要用在平时的信用卡消费,只要在你有大笔费用支出的情况下,挪用这笔资金,先借用半年,低息贷款一样.还是挺好用的.

天气预报

申請這個卡要抵押金嗎，我收到一個叫CAPITAL ONE的信用卡申請表，也是他們自己寄給我的，不知道是不是真的

amdk11

建议申请Citibank的卡。打算买车的话，Driver's Edge卡有2%现金回报，买新车旧车都可以。Enrich卡有1%现金回报。full 1-2% cash back on all purchases (no tier) 都没年费， 年收入要求高于1万5，

zinc

最初由[能不能完成注]发布
MBNA is a big US credit card company. MBNA Canada is a subsidy of MBNA. Most credit card company in the US charge very low interest rate such as 1.99%, 2.99% for credit card balance transfer for a length of six months or a year, but a one-time transaction fee is imposed, which is nomarlly  3% of the amount to be transferred in. In this case, MBNA charges a much lower interest (just 1%) than its counterparts do in the US. Other credit cards issued by major banks such a CIBC, HSBC, donot charge a transaction fee, but the interest is as high as 18%.
By saying those above, what I want to mention is very sales promotion should be explored carefully to take advantage of the offer. This is the case for MBNA Canada. We could not simply say it cheats. By calculation this way, with one percent transaction fee, 1.99% interest rate for six months, you just pay about 2% for six months, comparing 9% you may have to pay for other major bank with a interest rate of 18% and no transaction fee.

golinyp

最初由[三角]发布
ask a question

I am not a fresh new comer.i came here three monthes ago,i want to apply a credit card.and i did it last week,but the CIBC bank didn't permit me have it .How can i do next.I feel not convenient  no credit card.please tell me what i will do for it.


I found http://www.securevisa.ca/ and http://www.secure-mastercard.ca/ offer visa and mastercard to people who have no or bad credit. But you need to pay  monthly and annual fee I think...have read somewhere...
Although more expensive but it said it can help build/rebuild your credit.
I personally have no experience with them. I just go to know this from a forum I visited long time ago. So just check it out and see if it fits your need. If you ever apply and get your card, don't forget to give us some feedback! ;-)

liaorong

As a new comer, it's very hard to apply a credit card. Because there is no credit has been built by you. So, go to the bank, tell clerk you want to apply a Security Credit Card. (I can not 100% sure if Canada use this name. In USA they use this name special for this kind of card). Operation is like this. You deposit certain mount of  mony. Bank use this mony to open a credit account for you( means credit card). The credit line is the mount of your deposit. Then you use this card same as regular credit card. The most important is to pay bill on time. Using Security Credit Card can build you credit. When your credit is built up, it is easy for you to apply any other credit card. At that time, cancle this Security Credit Card and withdraw your mony. TD bank has this kind of credit card. hope can help you, good luck.

Hanze

最初由[liaorong]发布
回复：ask a question

As a new comer, it's very hard to apply a credit card. Because there is no credit has been built by you. So, go to the bank, tell clerk you want to apply a Security Credit Card. (I can not 100% sure if Canada use this name. ....

Actually, there is no need to apply for a Security Credit Card.  There are several banks that offers credit cards.  So, if one declines you, you just try another bank.  One of them will give you a low limit credit card for sure.   Then, you can build your credit based on that.   After you have certain credit, it is very easy for you to apply any credit card you want.

I had been with TD for 2 years when I applied for a TD credit card, but TD declined my application, twice.  So, I applied for a CIBC credit card and got approved.  After 3 months of usage ( I pay the credit card bill through TD ), TD sent me a pre-approved credit card.    ;)

美丽人生^^

而且还有一点, 你给MBNA打电话的时候, 他要跟你确认身份的问题好象太简单了!  如果其他人知道你这些信息随时可以冒认你啊!  我觉得不够安全.

独自离开

这个公司可神通广大呢。去年我刚到加拿大，留学生，从来没有填过他们公司的申请表，他们竟然平白无故得给我寄了一张信用卡。我觉得好奇怪，不过当时正打算申请，有些银行还不接受留学生申请，所以就觉得挺好，就接受了。也就是靠着这张卡，我申请到了其他银行的很多信用卡。到现在我还是没搞明白，他们从哪知道有我这个人，而且没有我签名样本也敢给我发卡。昨天发现钱包里的信用卡多到实在放不下了，所以就把MBNA的这张卡给销了。结果可麻烦呢，还不能立刻销，说什么要寄封信给我什么的，确认才能效，我靠，就他们事情多。cibc的卡我销卡只用了5分钟。强烈BS！

独自离开

这个公司的卡不好，没有任何的优惠政策。而且上次我要求退卡，他们的manager还劝我不要退，硬是要拖着我，那我就要求提高额度，才给我200块的额度，气死我了，人家cibc一次就给我提高了2500。劝大家还是不要办这张卡

Robert Song

jadeiou

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