请教信用卡问题

xzjleo

本人刚开始上班2周，想申请一个信用卡，因为我有HSBC 的online saving account， 所以考虑申请个HSBC的信用卡。在看信用卡的介绍时，看到这个短语： Interest Rate for Purchases ， 请问各位这个是什么意思呢？？

另外，对于新移民来说，还有那个信用卡比较好呢？ 若是用其他银行的信用卡，还款会不会不方便呢？ 我看过论坛里面的讨论，一般都说是Citi bank的比较好，但以我这种情况能申请吗？


问题比较多，还望各位包含包含，谢谢！  

auphil

Citibank is good because of its special offer, no annual fee forever, and also give you reward as well.. it is good

Basically you can use your credit card for purchase or cash in advance.

purchase, pay for the goods and service using the card, and the balance is payable after you receive the statement. The bank charges you interest if you fail to pay off the balance in full after the due date.

cash in advance, taking cash out from the ATM - it attracts a higher interest rate, and it is effective immediately.

So two things you should do when using a credit card
1. never draw cash in advance,
2. Pay off the balance in full every time

If you do that, then you dont need to worry about the interest rate.

What type of credit card depends on your income. If you can, get a Citibank Gold card with anual fee free, as you will have free travel insurance..

Not sure if that is still available? but you can try...

http://www.citibank.com.au/cardsoffer/offers/200608_DUP96ZZB.htm

xzjleo

the information is very detail, thx a lot!!

xzjleo

原帖由 auphil 于 2-12-2007 17:46 发表

                               
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Citibank is good because of its special offer, no annual fee forever, and also give you reward as well.. it is good

Basically you can use your credit card for purchase or cash in advance.  ...

对了，还有一个问题，我才工作了一个月，当申请Citi bank的信用卡时会审核我工作时间的长短吗？

谢谢！

auphil

申请表格会问你的工作和财产
可以打电话比他们，问问一个月会不会有问题， 然后再申请
我记得他们有打电话到我的公司check我的employment