tag:blogger.com,1999:blog-76087401315587040282024-03-20T09:30:03.482-04:00加国学生理财小站针对加国学生的理财小贴士咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.comBlogger32125tag:blogger.com,1999:blog-7608740131558704028.post-61643447435450572882017-07-25T21:23:00.002-04:002017-07-25T21:34:52.328-04:00谈谈众筹:机遇与风险并存<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Crowdfunding is the practice of funding a project or venture by raising monetary contributions from a large number of people. –––– Wikipedia</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">众筹(<span style="font-stretch: normal; line-height: normal;">Crowdfunding</span>)是时下流行的一种集资方式,众筹者通过向广大群众提供比公开发售价格低的预售产品来完成所需的集资。作为回报,参与集资的群众获得相对低价的产品,而集资者则获得一轮利息较低的另类<span style="font-stretch: normal; line-height: normal;">“</span>贷款<span style="font-stretch: normal; line-height: normal;">”</span>。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">目前最大的众筹网站有两个,一曰<span style="font-stretch: normal; line-height: normal;">Kickstarter</span>(下简称<span style="font-stretch: normal; line-height: normal;">KS</span>),一曰<span style="font-stretch: normal; line-height: normal;">Indiegogo</span>(下简称<span style="font-stretch: normal; line-height: normal;">IGG</span>)。咖啡君是<span style="font-stretch: normal; line-height: normal;">KS</span>的深度用户,从注册开始已经在<span style="font-stretch: normal; line-height: normal;">KS</span>成功支持了十个<span style="font-stretch: normal; line-height: normal;">Project</span>,另有两个尚未完成的<span style="font-stretch: normal; line-height: normal;">Project</span>。而<span style="font-stretch: normal; line-height: normal;">IGG</span>咖啡君也是刚开始玩不久,目前支持了三个<span style="font-stretch: normal; line-height: normal;">Project</span>。</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKOja9TvxNyL8CwTUJ284EYnls10u4lHLqIFUjvUyY5GIBN6pIC3BT7yw2mR1LxDkk92iTwnWCc-EpG7J4l5tvmJbfhZGPUbA-NtkqMZwdFI9eC6Con4dGNJM39jb-jDCCgpUMegGCxq8/s1600/Screen+Shot+2017-07-25+at+19.07.59.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><img border="0" data-original-height="1575" data-original-width="1600" height="314" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKOja9TvxNyL8CwTUJ284EYnls10u4lHLqIFUjvUyY5GIBN6pIC3BT7yw2mR1LxDkk92iTwnWCc-EpG7J4l5tvmJbfhZGPUbA-NtkqMZwdFI9eC6Con4dGNJM39jb-jDCCgpUMegGCxq8/s320/Screen+Shot+2017-07-25+at+19.07.59.png" width="320" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: x-small;">咖啡君在KS已成功赞助过的Projects</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">虽然众筹似乎是一小群人的游戏,但事实上,有好些公司最初也就是在众筹网上发家的。最有名的莫过于<span style="font-stretch: normal; line-height: normal;">Pebble</span>:他家在<span style="font-stretch: normal; line-height: normal;">KS</span>上的第一个<span style="font-stretch: normal; line-height: normal;">Project</span>预计筹集十万美元,最终却大获成功,竟然筹集到了一千万美元以上。虽然<span style="font-stretch: normal; line-height: normal;">Pebble</span>因经营不善现已关闭(<span style="font-stretch: normal; line-height: normal;">2016</span>年底),但在收购的时候<span style="font-stretch: normal; line-height: normal;">FitBit</span>也支付了高达<span style="font-stretch: normal; line-height: normal;">2300</span>万刀,可以说是风生水起了好一阵子。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;">KS</span>和<span style="font-stretch: normal; line-height: normal;">IGG</span>的模式有细微的不同。首先,<span style="font-stretch: normal; line-height: normal;">KS</span>的众筹模式是<span style="font-stretch: normal; line-height: normal;">All or Nothing</span>,也就是说除非众筹数额达到众筹者的预期,否则众筹者不会得到一分钱。打个比方,咖啡君要去创建一个<span style="font-stretch: normal; line-height: normal;">Project</span>,预计要筹集到<span style="font-stretch: normal; line-height: normal;">3W</span>加币,结果只有理财联盟的聚沙老板一个人给我支持了五毛钱,那咖啡君就啥都拿不到了(还得给<span style="font-stretch: normal; line-height: normal;">KS</span>佣金)。<span style="font-stretch: normal; line-height: normal;">IGG</span>则不同,除了<span style="font-stretch: normal; line-height: normal;">All or Nothing, </span>他们还有一个所谓<span style="font-stretch: normal; line-height: normal;">Flexible Goal</span>,即无论目标,筹到的款全归筹款者。比如上面的例子里,如果是咖啡君是在<span style="font-stretch: normal; line-height: normal;">IGG</span>上上线的这个<span style="font-stretch: normal; line-height: normal;">Project</span>,那最后咖啡君就会得到五毛钱(不过还是得给IGG佣金)。同时,两者还有不同在于<span style="font-stretch: normal; line-height: normal;">IGG</span>会在你参与筹款之初就把钱划走,而<span style="font-stretch: normal; line-height: normal;">KS</span>则会等到<span style="font-stretch: normal; line-height: normal;">Project</span>结束再统一收钱。从这个角度说,<span style="font-stretch: normal; line-height: normal;">KS</span>似乎比<span style="font-stretch: normal; line-height: normal;">IGG</span>稍稍靠谱。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">为什么咖啡君说众筹网是机遇与风险并存呢?从正面来看,很明显在众筹网上的商品的价格颇有吸引力。比如咖啡君购买的<span style="font-stretch: normal; line-height: normal;">Lifepack</span>(见上图),入手时是以<span style="font-stretch: normal; line-height: normal;">125</span>美刀的价格购买的,而现在的零售价格则是<span style="font-stretch: normal; line-height: normal;">269</span>美刀(见下图)。从价格来说,众筹网无疑是非常有吸引力的,毕竟无论什么样的促销也很难做到连续打五折以上十几天至一个月,而众筹网的却可以轻松做到这一点。事实上,也就是因为低价,众筹才能成功:赞助者本身承担着一部分风险(<span style="font-stretch: normal; line-height: normal;">Project</span>众筹成功却后续失败),所以才会出现这样的低价。</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkKahilE6aRpUGUEmjb-9EMnG9MaJOr_18f_vmmmL2BTH__6kVEPloftHsAN8oEJcNaqDL-2isMh682O1iCRHIi6Jb4QA2RfzWB-IFb69BzXFMvp9g85VtKABoR37ujN1Ei2f5oMR68oE/s1600/Screen+Shot+2017-07-25+at+19.41.00.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><img border="0" data-original-height="810" data-original-width="1600" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkKahilE6aRpUGUEmjb-9EMnG9MaJOr_18f_vmmmL2BTH__6kVEPloftHsAN8oEJcNaqDL-2isMh682O1iCRHIi6Jb4QA2RfzWB-IFb69BzXFMvp9g85VtKABoR37ujN1Ei2f5oMR68oE/s320/Screen+Shot+2017-07-25+at+19.41.00.png" width="320" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">当前Lifepack的价格</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">而反面来看,就是众筹的风险了。在咖啡君已成功支持的十个<span style="font-stretch: normal; line-height: normal;">KS Project</span>中,最先支持的一个(<span style="font-stretch: normal; line-height: normal;">ZNAPS</span>)已经拖了两年尚未发货,另有一个(<span style="font-stretch: normal; line-height: normal;">Spooly</span>)拖了整整一年<span style="font-stretch: normal; line-height: normal;"> –––– </span>咖啡君已经不再抱希望能得到它们了。不幸的是,<span style="font-stretch: normal; line-height: normal;">KS</span>是不会为这样的事情负责的:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Can Kickstarter refund the money if a project is unable to fulfill?</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><br /></span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">— No. Kickstarter doesn't issue refunds, as transactions are between backers and the creator. In fact, Kickstarter never has the funds at all. When a project is successfully funded, money is transferred directly from backers' credit cards to the project creator's Amazon Payments account. It's up to the creator to issue a refund, which they can do through their Amazon Payments account. (Like PayPal, Amazon Payments allows refunds for 60 days from the date of charge. After 60 days, creators cannot reverse the same charge to backers' credit cards, so to issue refunds they'll need to initiate a new transaction to send money via Amazon Payments or PayPal, send backers a check, or use another method. Our support team has guided creators in how to issue refunds like these before.)</span></blockquote>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">咖啡君大概可以想象<span style="font-stretch: normal; line-height: normal;">IGG</span>的政策也类似。更不幸的是,通常由于一个<span style="font-stretch: normal; line-height: normal;">Project</span>的时间很长,即使是<span style="font-stretch: normal; line-height: normal;">AmEx</span>的购物保险多数时候也无法<span style="font-stretch: normal; line-height: normal;">cover</span>(超过<span style="font-stretch: normal; line-height: normal;">90</span>天)。所以在众筹者卷钱跑路的情况下,赞助者最多也就是能去路边打着横幅大喊<span style="font-stretch: normal; line-height: normal;">“</span>王八蛋老板黄鹤带着他的小姨子跑了<span style="font-stretch: normal; line-height: normal;">”</span>而已。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">那么该不该在众筹网上购物(或者更准确的说,投资)呢?咖啡君认为此事需要见仁见智,但是有以下几个建议可供参考:</span></div>
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<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;"></span><span style="color: red;">只<span style="font-stretch: normal; line-height: normal;">back</span>有良好记录的众筹者。</span><span style="color: #454545;">比如</span><span style="color: #454545; font-stretch: normal; line-height: normal;">KS上</span><span style="color: #454545;">的</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Lifepack</span><span style="color: #454545;">,他家最新的</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Hustle Collection</span><span style="color: #454545;">咖啡君之所以毫不犹豫的投了钱,正是因为他上一个</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Lifepack Project</span><span style="color: #454545;">结局良好。在</span><span style="color: #454545; font-stretch: normal; line-height: normal;">KS</span><span style="color: #454545;">和</span><span style="color: #454545; font-stretch: normal; line-height: normal;">IGG</span><span style="color: #454545;">中都可以看到</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Project</span><span style="color: #454545;">创建者的历史记录,可以作为一个不错的参考。</span></span></li>
<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;"></span><span style="color: red;">支持筹款速度极快的众筹者以及远远超过筹款预期的众筹者。</span><span style="color: red;">如果大家都觉得他没毛病,很大的概率他就确实没毛病。</span><span style="color: #454545;">比如</span><span style="color: #454545; font-stretch: normal; line-height: normal;">IGG</span><span style="color: #454545;">上现在有一款</span><span style="color: #454545; font-stretch: normal; line-height: normal;"><a href="https://igg.me/at/huger/x/12921631" target="_blank">Huger Electric Skateboard</a>, </span><span style="color: #454545;">其在开筹的头</span><span style="color: #454545; font-stretch: normal; line-height: normal;">7</span><span style="color: #454545;">个小时就完成了</span><span style="color: #454545; font-stretch: normal; line-height: normal;">100%</span><span style="color: #454545;">筹款的任务,咖啡君认为就比较值得信任。</span></span></li>
<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;"></span><span style="color: red;">有的众筹者会选择把他们的产品送给知名<span style="font-stretch: normal; line-height: normal;">YouTuber</span>去测评,这样的产品相对可以信任</span><span style="color: #454545;">,因为大多数知名</span><span style="color: #454545; font-stretch: normal; line-height: normal;">YouTuber</span><span style="color: #454545;">是不会为了商家的小恩小惠得罪读者的(点击量掉下去的话,他们的广告收入就少得多了,那才是他们来钱的大头)。比如</span><span style="color: #454545; font-stretch: normal; line-height: normal;">KS</span><span style="color: #454545;">当年有一款</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Lou Electric Skateboard</span><span style="color: #454545;">,就预先发给了知名频道</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Unbox Therapy</span><span style="color: #454545;">去测评。</span></span></li>
<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="color: red; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">针对IGG:在IGG上可以看到某项目目前所在的阶段。</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">对于已经处于Production阶段的产品,就不用太担心;但如果是处于Concept阶段。。。那就多留个心眼吧。</span></li>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmREXQ-7X09eZ4YYXhf47sNiIGwkX7oW6jHedU79Zb-Iq4L9ngcBuHELoLwwUCVcqNuyJbUMAnc62UGMEawBl5w4Vh4wcK_CQBnTd5M_RPc4iFSMHoRu5EdIpkgbpmafbk6E0QJWrhw9E/s1600/Screen+Shot+2017-07-25+at+21.29.25.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="909" data-original-width="1600" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmREXQ-7X09eZ4YYXhf47sNiIGwkX7oW6jHedU79Zb-Iq4L9ngcBuHELoLwwUCVcqNuyJbUMAnc62UGMEawBl5w4Vh4wcK_CQBnTd5M_RPc4iFSMHoRu5EdIpkgbpmafbk6E0QJWrhw9E/s320/Screen+Shot+2017-07-25+at+21.29.25.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>IGG上的Bluesmart 2智能行李箱,符合好Project的一切特质:Production阶段,三十倍的超越筹款目标,以及一个成功的前任项目(BlueSmart智能行李箱)</b></span></td></tr>
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<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;"></span><span style="color: red;">如果有能力的话,可以去扒一扒这些公司的背景。</span><span style="color: #454545;">上文提到的</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Huger</span><span style="color: #454545;">被Reddit上的人发现其母公司是巨头</span><span style="color: #454545; font-stretch: normal; line-height: normal;">IDT International Limited</span><span style="color: #454545;">,这就说明相对而言他们可以信赖了。</span></span></li>
<li style="font-stretch: normal; line-height: normal; margin: 0px;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;"><span style="font-stretch: normal; line-height: normal;"></span>最后,如果是在是犹疑不决,那就不要</span><span style="color: #454545; font-stretch: normal; line-height: normal;">back</span><span style="color: #454545;">叫价很高的产品,把可能的损失降到最低。事实上,</span><span style="color: red;">咖啡君的建议是每一笔众筹出去的投资都当它们永远不会回来了,用这个标准来衡量是否<span style="font-stretch: normal; line-height: normal;">back</span>。</span><span style="color: #454545;">虽然保守,但却能保证把可能的损失控制在可接受范围内。</span></span></li>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">最后,咖啡君忠告大家,众筹有风险,投资需谨慎。但是对于计算好风险的<span style="font-stretch: normal; line-height: normal;">Project</span>,如果决定了,就抱着<span style="font-stretch: normal; line-height: normal;">Shut Up and Take My Money</span>的态度上吧!</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com2tag:blogger.com,1999:blog-7608740131558704028.post-63216985012698041622017-07-20T17:27:00.005-04:002017-07-20T18:42:57.616-04:00加拿大带Priority Pass的信用卡大比拼<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP3sGJjtX405qNOUl2WU8mS7B8JnYg7f2SXQGhjzQpQMzpTay2bZ3EWHK31YlB0Hi3fxh98PAWtGL_NcstKm1UBcZyXiA_Yt-wqymiOHkqDEGKtBJkShKH2wGgnz66LcfN-htv_t9nZso/s1600/Priority-Pass-BT-Plus-new-916x526.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="526" data-original-width="916" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP3sGJjtX405qNOUl2WU8mS7B8JnYg7f2SXQGhjzQpQMzpTay2bZ3EWHK31YlB0Hi3fxh98PAWtGL_NcstKm1UBcZyXiA_Yt-wqymiOHkqDEGKtBJkShKH2wGgnz66LcfN-htv_t9nZso/s320/Priority-Pass-BT-Plus-new-916x526.jpg" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">对于不熟悉Priority Pass项目的同学们,这里简单介绍一下:这是一个机场贵宾休息厅的会籍,可以适用于全球一千多个机场(这里说一下。。。咖啡君去年六月通过AmEx Plat开通PP的时候还只有800多个,去年12月出去旅游的时候就有900多个了,今天再看就破千了。。。)</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn8Yo9UZf4z7s3oJXetAal0P3E9g18Q91MCmyY2tsRqpurQgDaZEP902-1H36ANwmS7ZbraB8Rv4FiaLcPaR0srj_eNijlyOpHIFTLGN3acwygoLWdzFKiaBKPc5DQHtys3BxIl0R0mMg/s1600/Screen+Shot+2017-07-20+at+17.16.19.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="651" data-original-width="1600" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhn8Yo9UZf4z7s3oJXetAal0P3E9g18Q91MCmyY2tsRqpurQgDaZEP902-1H36ANwmS7ZbraB8Rv4FiaLcPaR0srj_eNijlyOpHIFTLGN3acwygoLWdzFKiaBKPc5DQHtys3BxIl0R0mMg/s400/Screen+Shot+2017-07-20+at+17.16.19.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">官网上的Lounge Map (as of Jul. 20, 2017)。注意那几个太平洋小岛上的点。。。</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">咖啡君日前总结了一下加拿大包含Priority Pass福利的所有信用卡。</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">毋庸置疑,这些卡都属于中高端信用卡,但是就如咖啡君所说过的,收入不高也能玩好卡。在等飞机的时候坐在硬板凳上和坐在Lounge的沙发上,感受千差万别,因此一张可以进入Lounge的信用卡还是很有必要的 ––– 尤其对于总是回国的国际学生们而言。</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">话不多说,以下是总结:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">1. AmEx Platinum: </span><span style="color: #454545;">此卡实际年费499刀(699刀+200刀Annual Travel Credit)。</span>提供无限入场<span style="font-stretch: normal; line-height: normal;">次数,且可携带一人进入</span>Lounge;<span style="font-stretch: normal; line-height: normal;">每多带一人加收</span>USD27<span style="font-stretch: normal; line-height: normal;">,自动</span>Charge<span style="font-stretch: normal; line-height: normal;">到</span>AmEx Platinum<span style="font-stretch: normal; line-height: normal;">上。</span><span style="font-stretch: normal; line-height: normal;">白金副卡提供同样的</span>PP<span style="font-stretch: normal; line-height: normal;">卡</span><span style="font-stretch: normal; line-height: normal;">。其他</span>Lounge包括<span style="font-stretch: normal; line-height: normal;">:</span>Canadian Platinum Lounge, <span style="color: #454545;">AmEx Centurion Lounge, Airport Club (</span><span style="color: #454545; font-stretch: normal; line-height: normal;">购买相关机票可以进入</span><span style="color: #454545;">AA Admiral Club Lounge, Delta Sky Club</span><span style="color: #454545; font-stretch: normal; line-height: normal;">;任何机票均可进入</span><span style="color: #454545;">US Airway Club)。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">2. AmEx Biz Platinum<span style="font-stretch: normal; line-height: normal;">:</span>此卡年费399刀。<span style="font-stretch: normal; line-height: normal;">仅提供会籍,每次进入收</span>USD27<span style="font-stretch: normal; line-height: normal;">。白金副卡提供同样的</span>PP<span style="font-stretch: normal; line-height: normal;">卡。同样包含</span>Canadian Platinum Lounge, AmEx Centurion Lounge, Airport Club。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">3. AmEx AeroplanPlus Platinum<span style="font-stretch: normal; line-height: normal;">:此卡年费499刀。仅提供会籍,每次进入收</span>USD27<span style="font-stretch: normal; line-height: normal;">。其他</span>Lounge<span style="font-stretch: normal; line-height: normal;">:</span>AC Maple Leave Lounge</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">4. AmEx AeroplanPlus Reserve<span style="font-stretch: normal; line-height: normal;">:此卡实际年费699刀(899刀+200刀Annual Travel Credit),无限入场次数</span><span style="font-stretch: normal; line-height: normal;">。其他</span>Lounge<span style="font-stretch: normal; line-height: normal;">:</span>AC Maple Leave Lounge</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;">5. BMO WEMC</span>:<span style="font-stretch: normal; line-height: normal;"> 此卡年费150刀。</span>提供会籍及四次免费入场。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">6. BMO Air Miles WEMC<span style="font-stretch: normal; line-height: normal;">:</span> 此卡年费120刀。<span style="font-stretch: normal; line-height: normal;">提供会籍及两次免费入场。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">7. TD First Class Travel Visa Infinite<span style="font-stretch: normal; line-height: normal;">:</span>此卡年费120刀。<span style="font-stretch: normal; line-height: normal;">仅</span><span style="font-stretch: normal; line-height: normal;">提供</span>PP<span style="font-stretch: normal; line-height: normal;">会籍折扣。。。毫无诚意啊喂</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">8. Scotiabank Gold AmEx<span style="font-stretch: normal; line-height: normal;">:</span>此卡年费99刀。<span style="font-stretch: normal; line-height: normal;">提供</span>PP<span style="font-stretch: normal; line-height: normal;">会籍折扣(</span>USD65<span style="font-stretch: normal; line-height: normal;">)</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">9. Scotiabank Platinum AmEx<span style="font-stretch: normal; line-height: normal;">:</span> 此卡年费399刀。提供会籍及十次入场。副卡提供会籍及四次入场。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;">10. RBC Visa Infinite</span>:<span style="font-stretch: normal; line-height: normal;"> </span>提供会籍。注意此处仅提到了是<span style="font-stretch: normal; line-height: normal;">RBC</span>的<span style="font-stretch: normal; line-height: normal;">VI</span>,未提及是哪款<span style="font-stretch: normal; line-height: normal;">VI,本人认为可视同为</span>任何一张<span style="font-stretch: normal; line-height: normal;">VI</span>。。。如果有人有更详细的信息请在下面评论,谢谢。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">11. Visa Infinite Privilege: <span style="font-stretch: normal; line-height: normal;">所有的加拿大</span>VIP<span style="font-stretch: normal; line-height: normal;">卡</span>(RBC, TD, CIBC, Desjardins)年费基本<span style="font-stretch: normal; line-height: normal;">都是399刀(除了Desjardins是非会员395,会员295)。均提供免费会籍及六次入场。</span></span></div>
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<span style="color: red; font-family: helvetica neue, arial, helvetica, sans-serif;">以上所有PP会籍都可以带客。对于仅提供基本会籍的卡主,带客的价格是USD27每人每次;对于提供有限次数access的卡主,带客可以计入本人的免费次数(比如本人的BMO WEMC,带一个人入场的话可以通过划掉两次access的方式使本人和客人都免费),免费次数用完后为USD27每人每次;对于提供无限入场的会籍,带客的价格也是USD27每人每次,除了AmEx Plat可以免费带一人。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">暂时而言,咖啡君只找到这些卡提供PP相关福利。其中,抛去毫无诚意的TD First Class Travel Visa Infinite和Scotiabank Gold AmEx,申请要求很高的VIP卡(真要看你税单的),效费比低的令人发指的AmEx AeroplanPlus Reserve(年费黑卡之下无敌,但战斗力远不足AmEx Plat),真正能用的也就只有AmEx三张,BMO两张,Scotiabank一张和RBC一张共七张卡而已。其中,Scotiabank的Plat AmEx据说不方便使用rewards(并不是MR),BMO AM WEMC积累的AM不算是很好的program,AmEx AeroplanPlus Plat回报率稍低(考虑开卡奖励,Plat使用referral高达60000MR,APP Plat则只有41000AP而已)。这样下来,就仅仅剩下了AmEx两张,BMO一张和RBC一张。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">我们再来对比剩下的AmEx Plat,AmEx Biz Plat,BMO WEMC和RBC VI。从单纯的回报率看,AmEx的回报率无疑更高(每刀1.25MR,可以等价up to 2.25% rewards),且RBC Avion和BMO Rewards的灵活性都完全无法与AmEx MR相比,同时AmEx提供远胜后二者的其他Lounge选项,所以Pass掉RBC和BMO。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">最后,在AmEx个人白和商务白中,个人白的实际年费仅多出100刀,但却拥有了无限次数(还能带人)的PP Lounge access。考虑基础会籍下每个人每次进入需要缴纳27美刀,相当于个人白只要进场四次(或带人两次)价值就完全超过了商务白。一番对比之后,咖啡君认为AmEx Platinum是加拿大带有PP会籍的信用卡中毫无疑问的最强者。当然,如果考虑商务白使用Referral的开卡奖励高达75000MR的话,选择商务白也是有其道理的。想要申请这两张卡的同学可以用本人的推荐链接:<a href="http://amex.ca/share/zikunznLsf" target="_blank">AmEx Platinum/Business Platinum Cards Application</a>, 个人白开卡后三个月后消费3000刀可以获得高达60000MR的奖励;商务白</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">开卡后三个月后消费5000刀可以获得高达75000MR的奖励</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-60773226134271649682017-07-18T17:16:00.001-04:002017-07-18T23:11:33.245-04:00Air Miles Onyx Personal Shopper简介<div style="color: #454545; font-stretch: normal; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">加拿大的<span style="font-stretch: normal; line-height: normal;">Loyalty Program</span>里,<span style="font-stretch: normal; line-height: normal;">Air Miles</span>是十分重要的一个。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">典型的<span style="font-stretch: normal; line-height: normal;">Air Miles</span>积累方式是在<span style="font-stretch: normal; line-height: normal;">partner</span>处每消费<span style="font-stretch: normal; line-height: normal;">20</span>刀积累一个<span style="font-stretch: normal; line-height: normal;">AM</span>;但是必须是满<span style="font-stretch: normal; line-height: normal;">20</span>刀才能积累到,换言之,如果单次消费为<span style="font-stretch: normal; line-height: normal;">199.99</span>刀的话,只能积累到<span style="font-stretch: normal; line-height: normal;">9</span>个<span style="font-stretch: normal; line-height: normal;">Air Miles</span>而不是<span style="font-stretch: normal; line-height: normal;">10</span>个。除此外,通过Air Miles联名的信用卡(比如AmEx Air Miles Platinum, BMO Air Miles WEMC)消费,可以每消费20/15/10刀积累一个AM,取决于卡的等级(比如常规状况下,AmEx的Air Miles是20:1,Air Miles Platinum</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">是15:1, 而最实惠的BMO AM WEMC则是10:1)。出于此,</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-stretch: normal; line-height: normal;">Air Miles</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">除非遇到</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-stretch: normal; line-height: normal;">bonus offer</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">,并不是一个特别合适的积分项目。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Air Miles<span style="font-stretch: normal; line-height: normal;">的会员也分级别,一共为两个:每日历年积累</span>1000AM<span style="font-stretch: normal; line-height: normal;">以上为</span>AM<span style="font-stretch: normal; line-height: normal;">金卡会员</span>(Air Miles Gold)<span style="font-stretch: normal; line-height: normal;">,每日历年积累</span>6000AM<span style="font-stretch: normal; line-height: normal;">以上为</span>AM<span style="font-stretch: normal; line-height: normal;">黑卡</span>(Air Miles Onyx)<span style="font-stretch: normal; line-height: normal;">。</span> <span style="font-stretch: normal; line-height: normal;">成为</span>Onyx<span style="font-stretch: normal; line-height: normal;">会员比普通的会员多出不少福利,今天此处讨论的就是</span>AM Onyx<span style="font-stretch: normal; line-height: normal;">独有的</span>Personal Shopper Service<span style="font-stretch: normal; line-height: normal;">。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="font-stretch: normal; line-height: normal;">Air Miles</span>分为<span style="font-stretch: normal; line-height: normal;">Cash Miles</span>和<span style="font-stretch: normal; line-height: normal;">Dream Miles</span>两种,两种积分间不能互相转换,能用于奖品兑换的为<span style="font-stretch: normal; line-height: normal;">Dream Miles</span>。兑换<span style="font-stretch: normal; line-height: normal;">Dream Miles</span>可以登录<span style="font-stretch: normal; line-height: normal;">Air Miles</span>进入他们自己的<span style="font-stretch: normal; line-height: normal;">Shop</span>,但是商品选择相对有限。<span style="font-stretch: normal; line-height: normal;">Onyx Personal Shopper</span>就是瞄准了这个漏洞:你可以联系<span style="font-stretch: normal; line-height: normal;">Air Miles Onyx Personal Shopper</span>专员,请求他们用<span style="font-stretch: normal; line-height: normal;">Air Miles Dream Miles</span>帮你购买任意产品。需要注意的是,<span style="font-stretch: normal; line-height: normal;">Air Miles</span>明确说明了不支持部分产品的订购,包括价值低于<span style="font-stretch: normal; line-height: normal;">100</span>刀的产品、在<span style="font-stretch: normal; line-height: normal;">online shop</span>中存在的产品、服务类产品、各类礼品卡、报纸订阅、预约、尚未公开发售的产品、定制产品之类的(对,没明文提到不能用<span style="font-stretch: normal; line-height: normal;">AM</span>买车买房。。。)。使用这一服务,只需要通过电话或邮件联系专员,他们会与你取得后续联系。当他们查好产品定好价格之后,并不一定意味着你必须付款购买,而即使你不够买,也不会产生任何惩罚。本着实践出真知的念头,咖啡君试用了一下此项服务。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">在官网上,咖啡君通过<span style="font-stretch: normal; line-height: normal;">Online Chatting</span>的方式表达了订货的意愿。此次测试选用的产品是<span style="font-stretch: normal; line-height: normal;">Harman/kardon</span>的<span style="font-stretch: normal; line-height: normal;">Aura</span>音响,该产品在美国的官网上标价为<span style="font-stretch: normal; line-height: normal;">USD399</span>。<span style="font-stretch: normal; line-height: normal;">AM</span>的客服人员告诉咖啡君,产品的定价不参考任何特价,也不一定参考到可能的最低价。表示理解后,对方便帮我提交了订货申请,并表示短时间后会有专员通过邮件联络本人。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">大约一周后,咖啡君收到邮件,告知此产品需要花费<span style="font-stretch: normal; line-height: normal;">6025AM</span>购买。计算下来,<span style="font-stretch: normal; line-height: normal;">399</span>美元换算到加拿大即使是不要命的往上算也绝不可能达到<span style="font-stretch: normal; line-height: normal;">550</span>加币,在安省相当于税后<span style="font-stretch: normal; line-height: normal;">620CAD</span>左右。也就是说通过<span style="font-stretch: normal; line-height: normal;">Onyx Shopper</span>,一个<span style="font-stretch: normal; line-height: normal;">Air Miles</span>的价值居然低到令人发指的<span style="font-stretch: normal; line-height: normal;">0.1</span>加币左右,离通常预期的<span style="font-stretch: normal; line-height: normal;">0.2CAD</span>左右的价值相去甚远。故此,咖啡君没有再回信。</span></div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZq-7s56RyzW8oc9TWAVrcPS09CK7gcuXfB7Sh3_VWK1nT5lWO10znXcZSxfZqMkDFyML7xSbOrr_zp34VZPAE2E2hKhrcYhR6VxOY63N4VOzpTYd2qUTFkha9Zi4X7S0eTcbyBIWiwPw/s1600/Screen+Shot+2017-07-18+at+16.51.15.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1590" data-original-width="1292" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZq-7s56RyzW8oc9TWAVrcPS09CK7gcuXfB7Sh3_VWK1nT5lWO10znXcZSxfZqMkDFyML7xSbOrr_zp34VZPAE2E2hKhrcYhR6VxOY63N4VOzpTYd2qUTFkha9Zi4X7S0eTcbyBIWiwPw/s400/Screen+Shot+2017-07-18+at+16.51.15.png" width="325" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-size: x-small;">AM Personal Shopper的回信</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">咖啡君认为,</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Onyx Shopper Service</span><span style="color: #454545;">的服务还是不错的,可以用</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Air Miles</span><span style="color: #454545;">购买市面上的几乎任何产品,但是回报率实在是太低了。因此,除非是像牧羊博士一样在极易积累</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Air Miles</span><span style="color: #454545;">的草原省,本人绝不建议通过</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Onyx Shopper</span><span style="color: #454545;">这种方式来浪费</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Air Miles</span><span style="color: #454545;">。相对而言,</span><span style="color: red;">作为<span style="font-stretch: normal; line-height: normal;">Onyx Member</span>,用<span style="font-stretch: normal; line-height: normal;">Air Miles</span>订机票却能享受<span style="font-stretch: normal; line-height: normal;">up to 40% off</span>,在AM Shop里直接购买能享受up to 20%off</span><span style="color: #454545;">,这才是使用</span><span style="color: #454545; font-stretch: normal; line-height: normal;">Air Miles</span><span style="color: #454545;">的正确姿势。</span></span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-85693921506175632562017-04-13T00:39:00.001-04:002017-04-13T00:39:20.883-04:00信用卡快讯:多个银行同时变坏<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">近期很多张信用卡都在变坏,可以说是一个十分令人沮丧的时期。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">首先变坏的是Tangerine。咖啡君曾介绍过Tangerine是除了Chase Canada的卡外货币转换费最低的卡(1.5%,典型转换费2.5%),且当时言称此卡是加拿大最好的无年费卡之一。可惜很快将不再如此。最重要的两条变化之一:第一,货转将看齐所有信用卡,为2.5%;其次,除了选定的2% Category之外,所有消费仅剩0.5%返现了。这两项一变,基本上让此卡废掉了,只能说是可惜。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">紧随其后的坏消息来自Chase Canada。Chase在加拿大本来就只剩下了两张信用卡,很不幸的是其中的Amazon Visa目前已停止申请。至此,加拿大免除货币转换费的卡仅仅剩下了Chase万豪一张。更糟糕的是,有推理表明Chase有可能在六月份关闭万豪卡的申请,彻底退出加拿大市场。咖啡君已经摩拳擦掌准备在五六月份拼一把Chase万豪了,想要免货币转换的同学们也最好抓紧了!</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">RBC这次也没能逃脱。RBC Rewards兑换American Airlines目前已经贬值,从1:1降低至10:7。相比其他的,这可能是对大家影响相对较小的一条,因为除了AA,RBC Rewards可以兑换的Loyalty还有不少。网站联盟开玩笑说这肯定是大家瞎撸RBC造成的后果。。。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">最后,AmEx的SimplyCash Preferred也变差了。此卡年费由79升至99,前六个月的最高返现由400降低至300。这一部分可以说是坏消息 - 不过它的日常返现由以往的1.5%提升至了2%。咖啡君认为此卡的改变孰优孰劣只能见仁见智。前六个月的Bonus时期确实收益下降不少,再加上年费的抵消,可以说是损失不小。但从另一方面来说,此卡只需要推荐一个人就能轻松赚回年费(每推荐一人反200刀),在加拿大卡中是绝对不多见的。咖啡君认为此卡日常使用能当起责任,但是比起MBNA WEMC就差些:后者同样是等价2%返利,但年费仅89刀。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">总之,羊毛永远是越撸越少,要撸毛还是必须趁早。咖啡君将开始慢慢更加频繁的更新,带来更及时的信息,方便大家的撸卡之路。</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-89750779290693736052017-04-13T00:19:00.002-04:002017-04-13T00:19:42.090-04:00五大行的Saving Account<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">开写之前完全没意识到加拿大的Saving Account普遍有这么烂。。。这可能是咖啡君最短的一篇文了。之所以还是写出来主要是因为挖了个坑不好不填。。。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">简单的说,除了BMO家的某个计划外,所有的Saving Account基本都没有超过千分之五的利息。因此,在此指介绍BMO家的Saving Builder。该计划没有月费,亮点在于若每个月保持+200刀的话,利率就可以达到1.2%。单纯从利率而言算是不错的,但是1.2%的年利率比起撸信用卡来还是太低太低了。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">就咖啡君个人而言,保留Saving Account的唯一目的是控制消费:每个月定量把钱转进Saving,进去了就不再随意放出来,这样强行控制消费,因为大多数Saving里的钱是不能免费直接用的。这也算是个人的理财小技巧吧。</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-86614103960005867032017-04-03T14:37:00.000-04:002017-04-03T14:38:12.357-04:00五大行的Student Plan对比之Chequing Account篇<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">在加拿大,学生能享受到的权益随处可见,在银行自然也不例外。五大银行都有针对学生的计划,包括Chequing, Saving以及专门针对的信用卡。本篇中,咖啡君将简单的说一说五大行的学生Chequing账户。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">该计划免费,针对13岁以上加拿大full-time学生。<b>每个月有25次免费的Debit卡线下交易(付款,存取款等),多出的次数每次1刀费用。Interac eTransfer免费。同时该计划可以获得RBC Signature Visa的年费返还</b>(39刀)。RBC的学生计划只能说是中规中矩,属于不求有功,但求无过的类型。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: red;">BMO的计划是本人认为最好的学生计划</span>,选择相当多,其亮点在于<span style="color: red;">每年免费的SPC卡会籍</span>(10刀)。学生的Chequing计划是成人计划的降价版本,同样有Practical, Plus, Performance, Air Miles以及Premium五种,月费分别为4,0,4,14.95,19.99刀。其中,Practical,Performance和Premium三种账号在每月账户余额分别达到2000,4000和6000时可以免除月费。为了防止大家看晕,咖啡君只着重介绍相对主流的选择,即<b>Plus计划:每月30次线下交易,无限Interac eTransfer,每年一张SPC卡,无需保留任何最低存款</b>。本人认为,这是加拿大最出色的学生计划。搭配他家的SPC信用卡,可以作为理财的稳妥开端。他家计划唯一的缺点是每年需要去验证一次学生身份,但是优点是毕业后还可持有一年。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">该计划<b>无月费,每月线下交易无限次数,但只有两笔免费Interac eTransfer</b>。该银行和SCENE有合作关系,可以选择SCENE Debit Card - 但是回报率低的令人发指。该银行的账户适合线下交易较多的同学,但是话又说回来了,所有信用卡都能无限交易,为什么非要用无限交易的借记卡呢?</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">TD的学生计划比RBC更差,不愧是本人心目中的渣行。<b>无月费,25次线下交易,多出的部分每笔1.25刀</b>。和以上两家最大的不同在于,他家的Interac eTransfer是收费的:<b>100刀以下每笔0.5刀,100刀以上每笔1刀</b>。咖啡君至今保留有一个TD的学生Chequing,但是处于休眠状态,积累TD的客户历史。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">在本人看来,无法免费Interac eTransfer的银行都是渣行;在这个标准下,CIBC可以说是渣计划中的战斗机。除了<b>免费和线下交易无限两点外,该行的Interac eTransfer居然收费达到了1.5刀一笔</b>(原文:$1.50 each + transaction fee, if applicable. 没错,1.5之外还可能有其他收费)。一如任何CIBC信用卡一般,咖啡君不推荐使用CIBC家的学生计划。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">看完以上,相信大家对于选择哪家的Chequing已经有了一个很好的概念。特别值得一提的还是BMO:咖啡君在他家开户时,为了撸350刀的开户奖励,选择了全价Premium(30刀月费),保持了九个月。在二月份本人将该计划降级为”Free Student Plan” (柜台上本人的原话)时,本以为会被下降到Plus,没想到居然还是保留了Premium,而且不再收取年费,甚至将前九个月多收取的月费返还了回来!也许保留Premium是属于操作错误,但是退换年费这一点可以说是非常的良心了。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">在下一篇,咖啡君将介绍五大行针对学生的Savings Account。本文如有错漏,请评论指出!</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-69627604877682415612017-04-03T11:44:00.000-04:002017-04-03T11:47:11.356-04:00团结就是力量:加国理财网站联盟<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">对于我们这种个人运营的理财小站而言,想要脱颖而出,引人注目,最好的方法就是抱团取暖。因此,2017年4月1日,四个加拿大中文理财网站的站长联合成立了加国理财网站联盟。四个网站各有所长,相互补充。相信此次合纵一定会让大家更方便的获得加拿大的理财信息。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">以下是四个创始站的简单介绍,排名不分先后:</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>1. <a href="http://www.canadianrewards.org/" target="_blank">加国理财网</a>【站长:聚沙】</b></span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">加国理财网(www.CanadianRewards.org,又名聚沙博客)建立于2015年。网站致力于为居住在加拿大的华人朋友提供一些理财/省钱/购物/旅行方面的基本知识和最新资讯。就像大家常说的“你不理财,财不理你”,我们相信“聚沙成塔,集腋成裘”。大家平时每天多花一点时间想想在什么方面能省钱/理财,长此以往一定会有很大的收益。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>2. <a href="http://www.muncnstu.com/" target="_blank">纽芬兰华人留学生资讯门户</a>【站长:四哈博士】</b></span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">纽芬兰华人留学生资讯门户(www.MunCnStu.com)建立于2013年,已从初期的“为在校生和有兴趣申请留学纽芬兰的朋友提供交流平台”逐步转型为“坐落加东大西洋省纽芬兰,向全加范围广泛投射优质资讯”的博客网站,资讯涵盖留学生/新移民入学适应、日常生活、省钱理财、职业生涯,同时设置地产、旅游版块,为其他群体提供更广泛的意见参考,还提供实惠周到的接机送机线下服务。除此之外,目前还运营有微博@纽村主页君,微信公众号NFLDCN,提供社交互动渠道;下设有一个编辑小站“四哈专栏”(sihacol.muncnstu.com)</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>3. <a href="http://www.thephdguy.com/" target="_blank">牧羊博士网站</a>【站长:牧羊博士】</b></span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">牧羊博士网站(www.ThePhdGuy.com)专注于分享各种加拿大的信用卡测评、旅游攻略、省钱诀窍和生活必备理财常识,其创立灵感来源于一次留学论坛的个人生活经验分享:旅居海外,也许留学生缺少的不是知识,而是见识;作为新移民,大家缺少的不是信息的来源,而是信息的质量。生活的点滴来源于积累,而本站的宗旨就是在点滴中帮你提高自己的理财意识!</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>4. 加国学生理财小站【站长:咖啡君】</b></span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">也就是本站了。用Mac玩游戏,开特斯拉去Road Trip,用信封做电脑包 –––– 这些不是不行,但显然是糟糕的选择。为什么?因为Mac不针对玩游戏而设计,特斯拉不适合开长途,信封也无法给电脑提供足够的保护。简言之,设计上没有针对性的东西并不一定适合所有人,正如大部分理财网站都不一定适合学生一般。与此相反,加国学生理财小站(www.StudentsFinance.ca)正是专门针对学生的理财小站,在这里,作为学生的你你一定能找到最适合你的理财方案。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">目前四位站主的侧重点均有所不同却又相互补充。聚沙专注于微信群(详情请参见加国理财网),牧羊博士专注于自媒体(详情请参见牧羊博士网),四哈博士专注于旅行规划等,本站一如开始专注于学生理财。希望大家以后可以在不同的小站中找到最适合自己的理财信息!</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-48372366624526215122017-03-29T19:08:00.000-04:002017-03-29T19:11:23.195-04:00空手套白狼,无限撸RBC Rewards<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">对本站稍有常识的人就知道,本人的主力银行是RBC,而且本人对RBC也十分喜爱。不过,我没说过的是RBC除了对学生友好的特点外,他家还有可以无成本无限撸的Rewards。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">近日,本人又一次把我的<a href="http://www.studentsfinance.ca/2016/08/signature-rbc-rewards-visa.html" target="_blank">RBC Signature Rewards</a>转成了<a href="http://www.studentsfinance.ca/2016/08/rbc-visa-platinum-avion.html" target="_blank">RBC Platinum Avion</a>,又一次获得了15 000点开卡奖励,同时确认了RBC的卡真的是可以Churn的。下面是本人思考后总结的Churn RBC Rewards的最佳姿势。前两步本人已肉测两次无误,后两步为理论上的设想,本人将逐渐验证。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">1. 首先你要拥有一张RBC Rewards的信用卡。可以是Signature Rewards,RBC Rewards+或者是Avion系列的三张都可以。基于本人自身,在此假设开始持有的卡是Signature Rewards。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">2. 在持有一段时间后,网上申请将卡转换为RBC Platinum Avion。此卡的转换没有最低额度限制,所以可以放心地转。此步骤获得RBC Rewards 15 000点(无消费要求), 付出年费$120。</span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzZHRA-ZOGsC_-gx7FY5P6gTRnf7RFQqV3VMDgchtivL8S5FjKgyyPDvjFSS8Mf7yE_JCkzhUxtq0RQFBD1MHPyXMc-40qtUKQe37uEAi8hI4r0bMJt213Sa5iNjfwkQdDk7680ancVJQ/s1600/Screen+Shot+2017-03-29+at+18.45.09.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="269" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzZHRA-ZOGsC_-gx7FY5P6gTRnf7RFQqV3VMDgchtivL8S5FjKgyyPDvjFSS8Mf7yE_JCkzhUxtq0RQFBD1MHPyXMc-40qtUKQe37uEAi8hI4r0bMJt213Sa5iNjfwkQdDk7680ancVJQ/s320/Screen+Shot+2017-03-29+at+18.45.09.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">前五张都是RBC Rewards系列</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">3. 得到奖励后,将此卡转换成RBC Rewards Visa Preferred。这张卡很有意思,玩卡的圈子里本人也很少听人提到。本人认为其大致可以看作Sig Visa的强化版。此步骤获得RBC Rewards 2 500点(无消费要求),同时理论上,年费返还10刀。</span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhG4isWV_u-t_uEJsz_z1rGak4599mFMvw32B0I6ARkdZlXLjju9KVt5W5TlgHSClOHyNk6IhSamNx2s0azh7hWbwhNablblNrA3RODc23r-YrY-LE5R-_XAV3Ry9p4dov8ApH7i-GirA4/s1600/Screen+Shot+2017-03-29+at+18.48.09.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhG4isWV_u-t_uEJsz_z1rGak4599mFMvw32B0I6ARkdZlXLjju9KVt5W5TlgHSClOHyNk6IhSamNx2s0azh7hWbwhNablblNrA3RODc23r-YrY-LE5R-_XAV3Ry9p4dov8ApH7i-GirA4/s320/Screen+Shot+2017-03-29+at+18.48.09.png" width="187" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">RBC Rewards Visa Preferred</span></td></tr>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">4. 拿到第二笔开卡奖,可选择升级到RBC Avion Visa Infinite。 这一步理论上在额度超过5 000刀时是没有风险的,但5 000以下额度可能被拒绝。</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">此步骤获得RBC Rewards 15 000点(无消费要求), 理论上年费会加收10刀。到这一步,年费总共付出120刀,RBC Rewards则已获得了32 500点。这些点数可以转到多种航空点数,直接兑换旅游奖励或用于其他用途(参见下图,图中均为可以兑换的Loyalty Program)。</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv5fKRxLYszPIhyphenhyphenoVDndE3AqsNftHiN5kdfHSOmP2v_mCWDs3u-Knpn2rLrEfl-KrLkCBjQ4lHLqX199Oa7b9S7U8dJ4mk68oruh0Z8eKNrmebII279M2T3hFEChbQWo1iXoLLds4Xsz8/s1600/Screen+Shot+2017-03-29+at+18.55.57.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv5fKRxLYszPIhyphenhyphenoVDndE3AqsNftHiN5kdfHSOmP2v_mCWDs3u-Knpn2rLrEfl-KrLkCBjQ4lHLqX199Oa7b9S7U8dJ4mk68oruh0Z8eKNrmebII279M2T3hFEChbQWo1iXoLLds4Xsz8/s320/Screen+Shot+2017-03-29+at+18.55.57.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">5. 这一步是无损的关键:将卡降回无年费的Rewards+。如果以上步骤在较短时间内完成(肉测一个月没有问题,推测两个月问题也不大),则会得到年费的全额退还。就算拖得久了一点,应当也有部分退还。但是获得的开卡奖励则会保留在账户中。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">经过以上几步,<span style="color: red;">可以得到32 500点RBC Rewards,除了转卡的繁琐之外,成本为0(甚至没有消费要求)</span>。更妙的是,由于全程只是转卡,所以除了开第一张卡之外<span style="color: red;"><b>不会有任何Hard Pull的产生</b></span>。同时以上程序可以无限重复,但本人推荐六个月一次,以防人品败坏。下图是本人(第二次)获得RBC Avion Platinum开卡奖的截图:</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCdlTTMMUC8d5CYQ3rVyU3iwaGOiR6vXlNAuR_4fElMScaKzAQ2Wywl6O8yq49sLYtciHqF37BXGsR29XVDXV8JVln1IeD7eZ5dt8dpd_YLfnpnmdznRfdEnsf7lORPNKv-aYgVWF9Q_A/s1600/Screen+Shot+2017-03-29+at+19.05.36.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="108" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCdlTTMMUC8d5CYQ3rVyU3iwaGOiR6vXlNAuR_4fElMScaKzAQ2Wywl6O8yq49sLYtciHqF37BXGsR29XVDXV8JVln1IeD7eZ5dt8dpd_YLfnpnmdznRfdEnsf7lORPNKv-aYgVWF9Q_A/s400/Screen+Shot+2017-03-29+at+19.05.36.png" width="400" /></a></div>
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">本帖将持续更新。本人将逐渐试探以上3、4步骤,并在此分享情况。但是可以保证的是,125这三步,一定是安全的。</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com1tag:blogger.com,1999:blog-7608740131558704028.post-90631100820071323072017-03-14T17:14:00.001-04:002017-03-14T20:17:20.221-04:00AmEx FR惊魂记<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">这可能是全加拿大第一篇关于AmEx FR的详细描述。</span></div>
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<span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">去年十一月左右,我因为用</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">AmEx</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">白金卡买电脑遭到</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">Financial Review</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">(可见在这群人眼里我有多不值钱)。虽然最终</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">FR</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">成功通过,没被拉黑,但期间发生的事情也算是曲折离奇,亦大大降低了我对</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">AmEx</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">的好感。在此我把这段经历分享出来,以为借鉴。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">事情要从去年<span style="line-height: normal;">10</span>月底说起。是时,苹果新款的<span style="line-height: normal;">MacBook Pro</span>刚出我就订制了一台。考虑到<span style="line-height: normal;">AmEx</span>一向厚道的保险,再加上当时我对AmEx爆表的好感,我选择用<span style="line-height: normal;">AmEx</span>个人白金卡结账。当然,考虑到</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">账户上也还欠了不少,所以付款结束后总balance会达到史高,因此</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">付款前为了防止</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">AmEx</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">找我麻烦,我提前通知了他们说会有一笔大额通过。</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">当时还是</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">too young too simple</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">,想着我已经和</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">AmEx</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">打过招呼再加上原来查过浮动额度挺高的,就没及时还钱。不曾想某日我登录时,发现所有卡都已经被冻结,顿时有不详的预感,打电话过去,果然被</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; line-height: normal;">FR</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545; line-height: normal;">Credit Department</span><span style="color: #454545;">的人要求我准备好</span><span style="color: red;">近三个月的银行账单以及去年的税单</span><span style="color: #454545;">,并要求必须通过传真发送。想到我账户上可怜的余额(差不多就是当时欠款的额度,呃,因为土豪基友和我共用卡所以我的欠款总是比较高),我在电话里刻意提到了我父母对我的支援,我说我绝大部分消费都是走现金,所以我的财产总额实际上比账单和税单显示的大得多。对面表示无所谓,我们只需要你提供你还款银行的近三个月流水加上税单即可,其他的不用我管。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">话说时间也是确实不凑巧,我打电话那天恰好是个星期四,而下星期一是个公共假期。也就是说无论我用多快的速度发出材料,恐怕<span style="line-height: normal;">AmEx</span>那群白痴开始看材料都得下周二以后了,解封只会更晚。我便表示说我还急着用你的卡买机票(实话),能不能看在我作为忠实客户的份上快点审,对面表示无能为力,我表示无可奈何。。。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">次日我注册了一个虚拟传真服务,将我的三个月账单和去年的税表都发了过去,然后就开始了艰难的等待。我第一个没想到的就是<span style="line-height: normal;">Credit Dept</span>的这群白痴审核速度简直慢出天际,整整等了十天我才在某天上学的时候接到电话。接到电话后,对方向我表示<span style="line-height: normal;">“</span>你存款的数额无法说服我们你的消费能力,即使你声称你父母对你有资助也不行<span style="line-height: normal;">”</span>。这么一说把我吓得马上开始装孙子,说你看,我每个月还款都老老实实,从来没有过任何问题,信用卡都没有过只还<span style="line-height: normal;">Minimum</span>的记录,另外我可以立刻把个人白的缺口填上<span style="line-height: normal;"> –––– </span>总之一句话,别把我的卡全关了,毕竟玩卡的人都知道加拿大就数<span style="line-height: normal;">AmEx</span>最好撸了。对方听完表示没问题,那你就立刻还款,我们收到钱马上给你解封,但是我们会对你的<span style="line-height: normal;">Charge</span>卡设置限制,该限制在六个月后可以变动。我说没问题,那我就还款吧。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">于是我马上在<span style="line-height: normal;">AmEx</span>的<span style="line-height: normal;">app</span>里还了款。次日,我发现连接到<span style="line-height: normal;">AmEx</span>的<span style="line-height: normal;">RBC</span>账户被扣掉了钱,但是所有的<span style="line-height: normal;">AmEx</span>卡依然被锁定。遂打电话问,得到回复说<span style="line-height: normal;">“</span>你通过<span style="line-height: normal;">AmEx</span>的<span style="line-height: normal;">app</span>付款我们要等待十天才能确定,你应该通过你的银行还款的<span style="line-height: normal;">”</span>。我心里大喊卧槽,但也无可奈何,只好再等。这一来二去,最终到了接近<span style="line-height: normal;">11</span>月底我的所有<span style="line-height: normal;">AmEx</span>才被解封,前后历时整整一个月。事后,我收到了三封来自<span style="line-height: normal;">AmEx</span>的信件,告诉我我的三张签帐卡额度都已经被限制。至此,蛋疼无比的<span style="line-height: normal;">AmEx FR</span>终于结束。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">经历此次事件,我对</span><span style="color: #454545; line-height: normal;">AmEx</span><span style="color: #454545;">的好感大大地降低了。首先是低到令人发指的工作效率,居然要等十多天材料才能被审核完毕,简直荒唐;其次是</span><span style="color: #454545; line-height: normal;">Credit Dept</span><span style="color: #454545;">一副老子天下第一的嘴脸,无论如何请求也不稍稍加快一点处理(就</span><span style="color: #454545; line-height: normal;">™</span><span style="color: #454545;">不到十页纸的文件能花多久,或者说同时被为难的人多到罄竹难书了?),着实令人生厌;再次是</span><span style="color: #454545; line-height: normal;">FR</span><span style="color: #454545;">期间打电话到</span><span style="color: #454545; line-height: normal;">Concierge</span><span style="color: #454545;">的话,输入卡号后居然会自动转到</span><span style="color: #454545; line-height: normal;">Credit Dept</span><span style="color: #454545;">,简直让人无法接受(此时要接Concierge的话,</span><span style="color: red;">绝对不可以</span><span style="color: #454545;">在电话里输入卡号。自动答录机三问之后就会自动转到Service</span></span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">)。最后最关键的是,对我这么忠诚这么听话的客户居然如此刁难,到最后居然把本意就是刷大额的签帐卡给我限制一个比信用卡还低的额度,实在难算高明。自此首选卡不再是任何AmEx</span><span style="color: #454545; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">虽说</span><span style="color: #454545; line-height: normal;">FR</span><span style="color: #454545;">让我基本对</span><span style="color: #454545; line-height: normal;">AmEx</span><span style="color: #454545;">粉转黑,但也积累了一定的经验。首先是消费习惯:哪怕是提前打过招呼,要在</span><span style="color: #454545; line-height: normal;">Charge</span><span style="color: #454545;">卡上进行不同寻常的大额消费(比如日常消费每月</span><span style="color: #454545; line-height: normal;">5000</span><span style="color: #454545;">,突然单笔</span><span style="color: #454545; line-height: normal;">3000甚至更高</span><span style="color: #454545;">),也尽量做到消费完立即还款或者先还钱再消费,以防不测,因为按我个人的经历</span><span style="color: red;"><span style="line-height: normal;">AmEx Credit Dept</span>的白痴们效率都很低下,和他们打交道很影响心情</span><span style="color: #454545;">。其次是万一被</span><span style="color: #454545; line-height: normal;">FR</span><span style="color: #454545;">,还款方式务必选用从银行发出,而不是从</span><span style="color: #454545; line-height: normal;">AmEx</span><span style="color: #454545;">的</span><span style="color: #454545; line-height: normal;">app</span><span style="color: #454545;">进行还款,因为后者会有相当长的延迟,进一步影响心情。最后就是,除非拿到黑卡或者有拿到黑卡的实力,千万别指望</span><span style="color: #454545; line-height: normal;">AmEx的</span><span style="color: #454545;">特殊待遇,越穷的人他们越喜欢给添堵。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">后记:过了不久,又收到一封AmEx来的信件,告诉我他们</span><span style="color: red;">把我的SimplyCash额度也下调了</span><span style="color: #454545;">。呵呵,没见过这种连坐法的,从此AmEx黑,发誓不撸死它不关卡。</span></span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-34618062116436987622016-11-14T14:59:00.001-05:002016-11-14T15:03:05.207-05:00BMO World Elite MasterCard简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">没错,我诈尸了。。。最近干什么都没有动力,很久没有更新了,希望还有人关注着这个小站。今天要说的卡是BMO的高端卡BMO WEMC。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">加拿大的WEMC相比Visa Infinite门槛要低很多:所有的VI都有5000的最低额度限制,而WEMC却是没有下限的。但是作为“黑卡”,想要直接申请到WEMC必须要有一定的实力(下详),比如本人八月底直接申请WEMC就被拒绝(理由很奇葩,居然是因为“我们觉得学生不需要这张卡”。拜托,你以为你以为的就是你以为的吗)。不过,直接申请不行,咱可以曲线救国,Switch嘛。文末本人会介绍我的换卡经历。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhe1JptlpPetQFujY0NLIaQwTle-cB4MTErAqb6XCBUsdLxq7_7kqNQvH5YSK4lf_KyEa4wIogDjXatsnj3z45zfRsfSeog6i-W8sZAOm5C9GevQ79tTYfcX9-zG_yNIj78xrprTq_qeeo/s1600/world-elite-card.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhe1JptlpPetQFujY0NLIaQwTle-cB4MTErAqb6XCBUsdLxq7_7kqNQvH5YSK4lf_KyEa4wIogDjXatsnj3z45zfRsfSeog6i-W8sZAOm5C9GevQ79tTYfcX9-zG_yNIj78xrprTq_qeeo/s320/world-elite-card.jpg" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: BMO World Elite MasterCard</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>发卡机构</b>:BMO Banque de Montréal</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所属组织</b>:MasterCard</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>分级</b>:World Elite MasterCard</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:$150。持有BMO Premium Chequing Account可免年费</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-副卡年费:$50</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-省外医疗保险:65岁以下保21天,最高200万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅游中断/取消险:出发前最高每人保2 500刀(每个账户5 000刀),出发后2 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-航空/旅行延误险:每次均最高保500刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-行李延误/遗失险:每人最高保750刀,每个账户每次旅行最高2 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车险</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:保购买后90天</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>专属福利</b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-24/7 BMO Concierge Service礼宾服务</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-每年四次Priority Pass贵宾厅访问资格</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-WEMC相关权益</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:BMO Rewards。每刀2点,等价于2%。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>开卡奖励</b>:目前(2016年11月14日)30 000点。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>申请要求</b>:个人年收入最低7万刀或家庭12万刀,<span style="color: red;">或者BMO信用卡月消费2 100刀以上</span>。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">作为一张“黑卡”,此卡的直接申请对学生而言有一定的难度。虽然在网站上写到了“信用卡消费每月2 100刀以上”,但实际上BMO要求<span style="color: red;">必须是他家的卡每月消费2 100刀以上</span>。本人第一次就是看到这条觉得自己qualify(AmEx的卡加起来超过这个数字),于是申请,甚至向他们提交了AmEx的全部账单,但是依然被拒绝。反之,如果以SPC卡作为跳板,就容易很多了,因为SPC的批卡基本没有下限。本人在八月底的申请失败后,转而申请BMO SPC Air Miles,批卡额度1 000刀。使用一个月收到开卡奖后电话转卡,对方象征性的问了一句年收入就给我转了。在此请注意,<span style="color: red;">年收入不一定非要是上税的收入</span>,我说出我的真实年收入后又把剩下不足的部分全部算在了Parental supports上(实际上并不存在),没有任何问题。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">相比Visa Infinite,WEMC在年费基本持平的前提下</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">福利基本和VI持平,</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">下卡门槛较低,同时可用的范围超过Visa。本人认为对于需要高端旅游卡的同学,如果不想负担运通白金卡的高额年费又没有把握下到Visa Infinite,此卡是个非常不错的选择。除去21天两百万的医保之外,此卡每年提供四次PP贵宾厅的使用权,单这一项价值就达到了207美刀,远超年费。本人认为,对于旅游不那么频繁的同学而言,每年四次PP卡足够了(运通商务白还不提供免费使用呢,年费399)。此卡本人力荐。另外,BMO除了此卡还有另外两张年费稍低的WEMC(Air Miles/CashBack,年费120刀),本人认为比不上此卡。以后会再做介绍,在此按下不表。</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-15106138706516206432016-10-24T16:06:00.000-04:002016-10-24T16:32:42.306-04:00RBC Esso Visa简介<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">RBC的Esso Visa顾名思义,就是RBC和Esso的联名卡。在加拿大除了此卡,只有CIBC的Petro-Canada Visa和NBC的Ultramar MasterCard是属于专门积累加油点数的卡了。考虑到本人对于RBC以及Esso Extra项目的偏爱以及NBC本身的小众程度,本人将优先介绍此卡。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjME-ZX8hMhqjv3M-1cVjF3P3a04yV9vdApScPg8yTMP-CCg12sjgS-yu8dp1dFdNFC4eBr-9Or_M7DAg9OC8-Ob_fEcqRnwrFe8HgXBsX1IoyD2GQKpNdusOew7xreY6Qkee3CxbKOBDo/s1600/eso_esso_en_sm%25402x.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjME-ZX8hMhqjv3M-1cVjF3P3a04yV9vdApScPg8yTMP-CCg12sjgS-yu8dp1dFdNFC4eBr-9Or_M7DAg9OC8-Ob_fEcqRnwrFe8HgXBsX1IoyD2GQKpNdusOew7xreY6Qkee3CxbKOBDo/s320/eso_esso_en_sm%25402x.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>名称</b>:</span> RBC Esso Visa</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>发卡机构</b>:</span>Royal Bank of Canada</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>所属组织</b>:</span>Visa</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>分级</b>:</span>Visa Classic</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:<span style="line-height: normal;">0</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后<span style="line-height: normal;">90</span>天内的意外损伤或丢失,最高赔付<span style="line-height: normal;">1 000</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:<span style="line-height: normal;">Esso Extra points </span>(以下简称<span style="line-height: normal;">EEP</span>)。每消费<span style="line-height: normal;">1</span>刀奖励<span style="line-height: normal;">1</span>点,在<span style="line-height: normal;">Esso</span>相关地点消费双倍积分。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>开卡奖励</b>:开卡首次消费奖励<span style="line-height: normal;">4 500</span>点<span style="line-height: normal;">EEP</span>。<span style="line-height: normal;">EEP</span>可用于兑换免费汽油、洗车服务等多种服务。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">简评</span></h4>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">此卡作为一张免费卡,日常回报大约相当于<span style="line-height: normal;">1%</span>,算是中规中矩。之所以本人相比Petro-Canada的积分项目更喜欢这个项目,主要是因为我家刚到加拿大时,加了一年Petro的油也只换到一点点奖励,但是Esso是毫不费力的攒到了好多次洗车。。。事实上没做更多研究,只是这样的落差让我直接对Petro有了恶感。当然,话说回来,1%的返现确实只能算平庸, 但是加拿大是一个少了车去哪都不行的地方,而此卡在Esso加油可以有2%左右的回报。所以,用这张卡的点数洗车或者兑换汽油是相当合适的,尤其是冬天。。。此卡本人认为适合有车而且开的较多的人,但是对于不差钱的人/经常旅游的人来说,本人更加推荐<a href="http://www.studentsfinance.ca/2016/09/scotiabank-momentum-visa-infinite.html" target="_blank">Scotiabank Momentum Visa Infinite</a>(年费99,返现4%)或者<a href="http://www.studentsfinance.ca/2016/09/american-express-gold-rewards-card.html" target="_blank">AmEx Gold</a>(年费150FYF,回报约3.8%),毕竟这些高端卡上附带的保险等是比一张普通的Visa普卡强的太多了。</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-8147372226965488222016-10-18T20:21:00.002-04:002016-11-14T15:01:52.293-05:00TD Aeroplan Visa Infinite简介<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">TD是本人非常不喜欢的一家银行:除了他家shi绿色的呆逼卡之外,TD的低端卡都出的很没诚意,各种没有购物保险什么的也是没谁了。在自己家的衬托之下,这张与Aeroplan合作的联名卡可以算是TD家的良心了。只可惜,就算是良心卡,也有一个最大的缺点:学生几乎申请不下来(先别打我,对于家里有钱的留学生而言,存个几万我觉得也是下的来的。。。)。在本人的申卡计划中,由于最近其他卡片的Promo以及此卡需要靠撕才可能开的特点,申请计划已经被排到了下一年,如果明年本人能搞个大新闻成功下卡,必将在此分享个人经验,让大家学习一个。</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD22PFAAeQnpnb1G3w03hfrvhfM9tHMbe-70QPs11jGuk4upbuKjfSMCOns4aJ6NDem5Z6kRhosQQzqJ1hcnDApOfcA-BicFylGR3uAnmbZ0fxcQvrHxlZ6WRpE-cSnkyHFicjYpIwnnc/s1600/aeroplan-visa-Infinite-card.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhD22PFAAeQnpnb1G3w03hfrvhfM9tHMbe-70QPs11jGuk4upbuKjfSMCOns4aJ6NDem5Z6kRhosQQzqJ1hcnDApOfcA-BicFylGR3uAnmbZ0fxcQvrHxlZ6WRpE-cSnkyHFicjYpIwnnc/s1600/aeroplan-visa-Infinite-card.jpg" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>名称</b>:</span> TD Aeroplan Visa Infinite</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>发卡机构</b>:</span>Toronto-Dominion Bank</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>所属组织</b>:</span>Visa</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>分级</b>:</span>Visa Infinite</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>年费</b>:</span>$120。持有TD All-Inclusive Banking Plan可免年费</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-副卡年费:<span style="line-height: normal;">$50</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-省外医疗保险:<span style="line-height: normal;">65</span>岁以下保<span style="line-height: normal;">21</span>天,最高保<span style="line-height: normal;">100</span>万刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅游中断/取消险:最高每人保<span style="line-height: normal;">1 500</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-航空/旅行延误险:每次均最高保<span style="line-height: normal;">500</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-行李延误/遗失险:延误<span style="line-height: normal;">6</span>小时,最高保<span style="line-height: normal;">1 000</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-公共交通事故险:每人最高<span style="line-height: normal;">50</span>万刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车险</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:保购买后<span style="line-height: normal;">90</span>天</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>专属福利</b>:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-<span style="line-height: normal;">AC</span>航班第一件行李优先托运</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-<span style="line-height: normal;">AC</span>航班优先检票及登机</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-每年进入一次加航枫叶休息厅</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;">-</span>Visa Infinite Concierge</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;">-</span>Visa Infinite Luxury Hotel Privileges</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;">-</span>Visa Infinite Food and Wine Experiences</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:<span style="line-height: normal;">Aeroplan</span>。买菜加油药店以及<span style="line-height: normal;">AC</span>消费每刀<span style="line-height: normal;">1.5</span>点,其他消费每刀<span style="line-height: normal;">1</span>点;在<span style="line-height: normal;">Aeroplan</span>商户可得双份点数。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>开卡奖励</b>:目前(</span>2016<span style="line-height: normal;">年</span>9<span style="line-height: normal;">月</span>14<span style="line-height: normal;">日)</span>3<span style="line-height: normal;">个月消费</span>1 000<span style="line-height: normal;">刀奖励并添加一张副卡奖励</span>30 000 Aeroplan<span style="line-height: normal;">。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>申请要求</b>:个人年收入最低<span style="line-height: normal;">6</span>万刀或家庭<span style="line-height: normal;">10</span>万刀,最低信用额度<span style="line-height: normal;">5 000</span>刀。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">一如本人开篇所说,这张卡算是<span style="line-height: normal;">TD</span>的良心卡。作为积累Aeroplan的卡,此卡的专属福利有很多都与加航相关,这点倒是不出意外。在积累<span style="line-height: normal;">Aeroplan</span>的其他卡中与其对等的有<span style="line-height: normal;">CIBC Aerogold Visa Infinite</span>以及<span style="line-height: normal;">AmEx AeroplanPlus Gold</span>,对比之下,<span style="line-height: normal;">CIBC</span>的卡略负一筹,而<span style="line-height: normal;">AmEx</span>的虽然多出了住店抢劫险以及每年<span style="line-height: normal;">10 000</span>刀以后的消费每刀<span style="line-height: normal;">1.25</span>点积分,以及头两张副卡免费,但又少了买菜加油药店以及<span style="line-height: normal;">AC</span>消费每刀<span style="line-height: normal;">1.5</span>点。考虑到<span style="line-height: normal;">AmEx</span>的卡总是比其他同级卡优越,可以说<span style="line-height: normal;">TD</span>这张<span style="line-height: normal;">Aeroplan</span>卡是出的很有良心了,毕竟和<span style="line-height: normal;">AmEx</span>的同级都可以一战。此卡最大的缺点,如本人所说,就是其原则上不开放给学生,但是本人有理由相信存款数额大的学生银行肯定也会另做打算的。除此之外,如果走运遇到一个好的客户经理,恐怕这些规则也都不是太大的问题,至少本人确实听说过有学生在经理的助攻下成功的从<span style="line-height: normal;">Travel</span>卡转到了<span style="line-height: normal;">Aeroplan</span>卡。</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-10724260244038510112016-09-16T15:04:00.000-04:002016-09-16T15:04:46.689-04:00对留学生银行开户以及开卡的一些提示<span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">每年,加拿大的各大学校都会涌入一大批留学生,为了消费便捷,许多人都会选择在加拿大的银行开账户。但是,就像任何其他的东西一样,银行也是良莠不齐的。问题就在这里:哪个银行好?用什么套路开户才是正确姿势?怎样避免被银行反捅一刀?本人在这里想和大家分享一些经验。不过,由于本人是加拿大永居身份,开户、开卡肯定与留学生有所不同,相对容易基本上是板上钉钉子。因此在缺乏充分了解的情况下,本人不会在此手把手的指导开户开卡,只是提供一些绕过一些大坑的个人经验。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>1. 开户之前做一些功课,对银行有一个自己的选择。</b>很多人开户就是简单粗暴地找离住处最近的一处银行,这样固然省时间,可是如果你遇到的是CIBC那就祝你好运吧。。。在网银极其发达的情况下,网点和住处的距离远其实没什么关系,所以抉择的关键方向其实在哪家银行的账户最好,提供的信用卡回报最高。就本人而言,<span style="color: red;">五大银行中本人推荐大家在RBC或BMO开设账户,这两家对学生相对友好。</span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>2. 对开户的小额奖金诱惑一定要保持清醒。</b>许多银行(尤其)在开学季都会有开设某某账户奖励多少多少钱的promo,本人前两天在多大的Street Fest就看到五大银行齐聚,都是什么开户奖50刀的活动,门庭若市。本人需警戒大家,不要为了这种小利益去改变自己的开户决定,这边客户经理的权限其实相当不小,如果好好去分行找经理谈的话给你谈出个这样的promo也未可知,对银行来说50刀可能相当于羊身上的一只虱子身上的一根毛而已。何况,50刀能干嘛?当然,如果看到相对高额的开户奖励,比如BMO Premium Chequing前些天搞的开户送350,那还是可以考虑的,所谓量变引发质变嘛。 </span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>3. 对规模较小的银行不必上来就不信任。</b>加拿大有个叫做CDIC(Canada Deposit Insurance Corp.)的机构,对于所有该机构下的成员银行中存在的存款,CDIC都对每个人的存款最高保险到10万(大多数人都达不到这个瓶颈吧),也就是说如果你的钱丢了,他们赔。有这张保护伞,大家就可以放开手脚去一些几乎没听过名字的小银行存款了(Meridian Credit Union之类的)。<span style="color: red;">小银行由于要抢占份额,给的待遇往往超过大银行(存款利率更高,免费支票本之类的),这几乎是板上钉钉的事实,本人现在的闲钱就是在几个小银行里转来转去,谁的利息高就给谁存着。</span>一句话,只要这银行是CDIC成员,就放心的存钱吧!不过本人也提个醒,规模所限,许多小银行提供的服务质量会略差一些,不过只是个存钱的地儿的话,倒也没什么经常联系的必要性。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>4. 不要怕信用卡。</b>中国人有个好习惯就是不喜欢欠钱,这导致信用卡本身在中国就不是很受待见,本人周边的朋友消费也大多喜欢用借记卡。事实上,信用卡之所以能存在这么久,肯定也是因为它有自己的好处。信用卡本身的回报暂且不提,许多信用卡都自带购物保险,30天内丢失包赔;以及自动延长保修最多一年,这两条可是绝对有利于消费者的,过保之后去苹果店修理过机器的同学肯定知道我是什么意思。。。除这两点外,信用卡能提供更大的资金流动能力:以本人的运通卡说,最高消费额度应当是在1万元加币左右,而这笔账可以延迟最多达30天还款。至于在这30天里我能拿着这1W干些什么呢?多出了30天周转时间,就有了更多获得收益的时间。<span style="color: red;">许多人担心的利息其实完全不是问题,老老实实按时还款的优质客户银行喜欢的不得了呢,谁收你利息啊。。。</span></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>5. 也不要怕高端信用卡。</b>如上文所说的,<span style="color: red;">高端卡一般福利远超普通的中低端卡。对许多有旅游习惯的同学来说,一张高端卡带来的福利可以分分钟抵消掉(可能并不高额的)年费。</span>举几个例子:</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">(1)还是说运通白金卡(本人是运通骨灰粉。。。),持卡人自动获得SPG、希尔顿、卡尔森的金卡以及费尔蒙白挑(5夜升白金),还有价值超过400美刀的机场贵宾厅入场资格,每年还有200刀旅游报销。什么?贵?仔细算算,这些权益要用上了哪怕一部分,都是把年费吃回来的。更不用提旅游中附带的保险,这可是一不小心就能撸走的大毛</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">(</span><span style="color: red; font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><b>极端情况,我见过用白金卡坐飞机商务舱居然tm坐出了正收益的</b></span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">)</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">。哪怕你是个宅族,靠每刷一刀奖励1.25MR和推荐其他人开卡也可以回本。</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">(2)Chase的万豪卡,年费120刀,但是第一年免年费还送你5W万豪点数,计划的好就是在万豪直接免七个晚上的房费了。而且此卡每年送15个万豪的会员升级credit,相当于是升会员的快车道。除了这些,此卡还有免货币转换费的好处,比起加拿大其他卡几乎齐刷刷的2.5%的货币转换费,在境外消费就便宜很多了。</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">(3)BMO的WEMC,年费150,但是可以通过手段(开设BMO Premium Chequing Account,存6000刀免除月费)免除;此卡可以每年进4次候机厅,旅游保险全面,日常回报也高达2%(在加拿大这个缺乏竞争的地方已经不错了),租车双倍还有折扣,同时作为MasterCard还能去Costco用。</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">所以高端信用卡一旦用的好,分分钟正收益,这句话绝对不是忽悠人的。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>6. 然而不要乱开卡。</b>校园里时不时会冒出类似MBNA的柜台,用一个蓝牙音箱、一件T-Shirt什么的诱惑你开卡。这种情况处理原则同2,对小利保持清醒。每开一张卡,你的信用分数因为被银行硬查询而短期下降,影响到申请其他好卡的日程就得不偿失了,尤其是碰到要申请Chase难得批下来(</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">六个月内没有被查询过才容易批卡</span><span style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;">)的银行的好卡,那就只能哭了。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>7. <span style="color: red;">申请信用卡的时候,尽量不要填写SIN</span>!</b>留学生所有的SIN号码和本地人是不一样的,都是以9开头。某些银行对9开头的SIN是有偏见的,甚至看到了就直接拒绝申请。事实上,加拿大所有信用卡的SIN都是选填项目,所以最好的办法就是别填。看电影有句俗话叫反派死于话多,留学生申卡也是一样的道理,能藏着掖着的就藏着掖着点,反而有利。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>8. 仔细阅读所有的条款,找到隐形的坑,避开它。</b>很多时候银行会把一些恶心的条款藏起来,用<span style="color: red;">灰色的小字写在背面之类的</span>,这种条款一定要读完整。即使没读完,你签字了就代表你同意他家的所有条款,被坑的时候也会无话可说。所以服务条款一定要读清楚,防止以后被银行反手捅一刀。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>9. 和你的客户经理搞好关系。</b>银行的客户经理能量可以是很大的,和他们搞好关系的能带来的好处自然也不少。简单的例子,上次本人想要给RBC信用卡暴力提额,从1 500直升5 000,打电话、去柜台都说“你别做梦了,你以为一个学生的额度说给就给呢?”,写了个邮件去给自己客户经理马上得到答复“我尽力,你看什么时候我们搞起?”(最后种种原因之下决定暂缓提额)与我们不同,客户经理是内部人士,他们可能有认识的人可以开后门,这是未可知的。所以,抛弃我是消费者我就是大爷的想法,和客户经理搞好关系,在你的理财之路上能带来的好处肯定超过颐指气使带来的快感。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>10. 如果有一天你也成为了本人一样的薅羊毛党,切记:小撸怡情,大撸伤身,强撸灰飞烟灭。</b>撸卡一定要有节制,不要为了完成开卡奖励或者其他原因让自己超预算的大额消费(如果你日常的战斗力就足够旺盛,类似我那个没事就去买个电脑垫桌子角的土豪朋友,那当我没说)。<span style="color: red;">在积累财富的路上,赚钱胜过存钱,但存钱又绝对好于通过强行消费撸到的信用卡积分</span>,羊毛毕竟出自羊身上。这是铁律,切记!切记!</span><br />
<br />咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-29689507116813313152016-09-14T10:23:00.000-04:002016-09-14T10:24:17.567-04:00Scotiabank Momentum Visa Infinite简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Scotiabank的这张信用卡也算带有一点传奇色彩,<span style="color: red;">连续三年蝉联RateSupermarket的加拿大最佳返现信用卡之位</span>。之所以能这么强,主要是因为它的1-2-4返现方式,基本上能确保每年都是正收益。因此,虽然这是张较难入手的Visa无限卡,本人还是放在这里专门介绍一次。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6woJtj2iKzDV83HVSlCstayH4ngK5dhexlzGR-tCITvbcSb8zATLY0UO_mnLECg_hKs4TXN7TZh5uWRhzIuwNU2Kzx9QQwgmizJZqoBCowQ4WlK4ubu0IUokdqpDDAwg8kiyJIXQJfr8/s1600/momentum-infinite-en.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="203" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6woJtj2iKzDV83HVSlCstayH4ngK5dhexlzGR-tCITvbcSb8zATLY0UO_mnLECg_hKs4TXN7TZh5uWRhzIuwNU2Kzx9QQwgmizJZqoBCowQ4WlK4ubu0IUokdqpDDAwg8kiyJIXQJfr8/s320/momentum-infinite-en.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: Scotiabank Momentum Visa Infinite</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>发卡机构</b>:Bank of Nova Scotia</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所属组织</b>:Visa</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>分级</b>:Visa Infinite</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:$99</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-副卡年费:$30</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b></span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-省外医疗保险:65岁以下保15天,最高保100万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅游中断险:最高每人保2 000刀,每次旅行赔付10 000刀封顶</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-航空延误险:每次均最高保500刀,只需要用此卡付了75%以上的票款</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-包裹延误/遗失险:最高保500刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅行意外险:最高保50万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车险</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后90天内的意外损伤或丢失</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年,终身最高赔付6万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">专属福利</span></b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Avis租车优惠最高20%</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:返现。<span style="color: red;">加油买菜4%</span>,药店和循环账单2%,其他1%。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>申请要求</b>:个人年收入最低6万刀或家庭10万刀,最低信用额度5 000刀。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">这张卡作为无限卡,保险全面,可以在旅行的时候安心使用。自带租车优惠的同时也自带租车险,这使得租车优惠真正的有用武之地(CIBC的Tims卡就是这点很不好)。当然,此卡的最强大之处就在于买菜加油4%的返现了,这是<span style="color: red;">全加拿大最高的返现无疑</span>(不算promo)。稍有常识的人就能看出,每年就算只在这两项消费,也只需要花总共2 475刀以上就能对冲年费,这对于一个学生的日常花费绝对是不多的。稍作近似处理,2 500刀消费,折合成每月大约210刀,减去13%的消费税(本人在安省),实际每月在这两项的消费只需要达到185左右。更何况总不可能每个月就只是加油买菜了吧?所以这个消费标准不高。此卡唯一的问题就在于作为Visa无限卡,可能对学生的申请批准的严格一些,但是规定是死的人是活的嘛,想绕过这个批准的门槛是一定有办法的~</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-19675525622181267692016-09-11T22:28:00.000-04:002016-10-24T16:17:19.942-04:00CIBC Tim Hortons Double-Double Visa简介<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">对于加拿大人来说,国民咖啡店Tim Hortons可以算是“家乡的味道”。比起星巴克,Tims的普通咖啡价格更加低廉,是提神醒脑的好选择。如此一个品牌自然也难逃银行的魔掌,CIBC就推出了一张Tim Hortons的联名卡。老实说本人觉得相对一般,但是对于喜欢Tims的同学也不失为一个选择。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv4a0AhyphenhyphenqExKa86fECyWd_enDRQ9TLOm8aXurTfunvi5BQr2gAo16hJATQe4MzAaIdeJCl2pcYBSZNf_6gRwcgENJbfxI0F1obmpDimimfqzAJ7spoaXaKEKmRyURAyUJih4nMRS7dV84/s1600/tims-card-en.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv4a0AhyphenhyphenqExKa86fECyWd_enDRQ9TLOm8aXurTfunvi5BQr2gAo16hJATQe4MzAaIdeJCl2pcYBSZNf_6gRwcgENJbfxI0F1obmpDimimfqzAJ7spoaXaKEKmRyURAyUJih4nMRS7dV84/s320/tims-card-en.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>名称</b>:</span> CIBC Tim Hortons Double-Double Visa</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>发卡机构</b>:</span> CIBC</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>所属组织</b>:</span>Visa</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>分级</b>:</span>Visa Classic</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:<span style="line-height: normal;">0</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后<span style="line-height: normal;">90</span>天内的意外损伤或丢失</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>专属福利</b>:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;">-</span>Avis<span style="line-height: normal;">/</span>Budget<span style="line-height: normal;">租车优惠</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>奖励方式</b>:</span>Tim Cash, <span style="line-height: normal;">每消费一刀有等价</span>1%<span style="line-height: normal;">的</span>Tim Cash<span style="line-height: normal;">返现可直接用于</span>Tim Hortons<span style="line-height: normal;">消费。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>开卡奖励</b>:消费</span>200<span style="line-height: normal;">刀获得</span>20<span style="line-height: normal;">刀</span>Tim Cash<span style="line-height: normal;">。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>申请要求</b>:家庭年收入最低<span style="line-height: normal;">1.5</span>万刀,等于无要求(都tm低保的范畴内了。。。)。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">此卡和以前介绍的<span style="line-height: normal;">BMO SPC MC</span>基本一致,<span style="line-height: normal;">1%</span>返现和基本保险。两者的区别当然第一是<span style="line-height: normal;">BMO</span>的作为<span style="line-height: normal;">MC</span>,接受更广一些;二是此卡不是真返现,返现只能在特定情况下使用,不如<span style="line-height: normal;">BMO</span>,第三就是<span style="line-height: normal;">BMO</span>自带的<span style="line-height: normal;">SPC</span>外挂了。当然,此卡有租车优惠,但是作为一张没有租车险的卡要了租车优惠有什么卵用?所以本人更加推荐<span style="line-height: normal;">BMO</span>的<span style="line-height: normal;">SPC</span>,当然对于<span style="line-height: normal;">Tims</span>的铁粉来说,此卡就是非有不可了,一旦用的好,免费咖啡喝得飞起。另外此卡其实挺好玩的,图片上看到的两个圆形图案其实是两个按钮,旁边则是一红一蓝两个指示灯,可以切换Tim Card和Visa卡模式。。。非常有意思。</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-21853314475530052912016-09-10T21:01:00.003-04:002016-09-14T10:09:14.248-04:00American Express Gold Rewards Card简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">由于缺少运通绿卡,运通金卡成为了加拿大积累MR的卡里最入门级的一张卡。和美国的情况一样,比起白金卡,金卡在日常消费中的回报可以更高(美国PRG由于存在123*的奖励体系,相比加拿大的122几乎可以确保回报更高),但是保险和相关福利就差得远了。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5g7GiQn_uKbjCab56oUGWpPdWAaOuaVcdsuAE-N8OEkUXEwTC1UQuTb96RQ-j4IZUibtbus9Iuu1Jcb5G4xwehv8qPumIqWz3y5gjYSRJ3U8u3badNss5sM4DB8LYXuF_RVgDDFLl3vo/s1600/AMEX-Gold-Rewards-Card.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5g7GiQn_uKbjCab56oUGWpPdWAaOuaVcdsuAE-N8OEkUXEwTC1UQuTb96RQ-j4IZUibtbus9Iuu1Jcb5G4xwehv8qPumIqWz3y5gjYSRJ3U8u3badNss5sM4DB8LYXuF_RVgDDFLl3vo/s1600/AMEX-Gold-Rewards-Card.png" /></a></div>
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><br /></b></span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: American Express Gold Rewards Card</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>发卡机构</b>:American Express Bank of Canada</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所属组织</b>:American Express</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>分级</b>:AmEx Gold</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:$150,首年免年费</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">副卡年费:首张免费,随后每张$50</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-省外医疗保险:65岁以下保15天,最高保500万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅游中断险:最高每人保1 500刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-航空延误险、包裹延误险、住店抢劫险:每次均最高保500刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-行李遗失险:最高保500刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅行意外险:最高保50万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车险</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后90天内的意外损伤或丢失,最高赔付1 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-紧急换卡:卡片丢失后可第一时间将旧卡作废</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">专属福利</span></b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-The Hotel Collection from American Express: 相当于FHR的小弟,豪华酒店项目。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "\22 helvetica neue\22 " , "\22 arial\22 " , "\22 helvetica\22 " , sans-serif;">-</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">每次入住有75USD消费报销以及升级房型的福利</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Hertz Gold Plus Rewards赫兹金卡会员</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:Membership Rewards Points, AmEx自己的奖励体系。每刀1MR。在餐厅、加油站、药店以及AmEx Travel消费每刀2MR。可以换成Aeroplan,希尔顿HH等多种点数。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>开卡奖励</b>:</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">3个月消费1500刀奖励25 000MR。用推荐链接也不会增多,但是可以给本人带来一些奖励,所以欢迎大家使用。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>推荐项目</b>:每推荐一人可获得5 000MR;每年最多推荐15人(75 000MR)。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">申请要求</span></b>:年收入最低2万刀。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">简评</span></h4>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">在当年此卡可以Churn而且每次推荐15 000MR的时候,这简直是神卡中的神卡,现在虽然一是不能Churn二是推荐只有5 000MR,此卡也仍然算是神卡。日常消费只要使用得当,几乎总是能拿到双倍积分(比如去Shoppers买亚马逊储值卡,这样在亚马逊网购也是双倍积分;Cineplex等同理),这使得此卡的积分积累速度可以轻松超过白金卡。保险方面,即使比起白金卡来说稍微少一些,此卡的保险也是极其全面的了,尤其是旅游方面的保险以及旅游相关的福利。和白金卡一样,这张卡用在旅游上也是极好的,而且年费还更低的多。此外,私下说,本人认为金卡的卡面甚至比白金卡还好看,黑卡的卡面本人感觉就是这卡反色得到的。。。所以,对于想要一张高端AmEx但是对白金卡的年费望而却步的同学们,金卡是绝对可以下手的,更何况还有首年免年费的福利呢?</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">*123是指在不同的消费类型下分别获得1,2或者3倍奖励,此处特指其他消费/买菜加油吃饭/旅游。122同理。</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-24636474334963665342016-09-09T17:54:00.002-04:002016-09-09T17:57:11.493-04:00BMO SPC MasterCard (CashBack/AIR MILES)简介<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;">BMO</span>是一家长得貌似对学生很友好的银行,特色在于只发行<span style="line-height: normal;">MasterCard</span>;这使得他家的卡全部带有可以在<span style="line-height: normal;">Costco</span>使用的优势。他家和<span style="line-height: normal;">SPC</span>有合作,推出专属的<span style="line-height: normal;">SPC</span>联名卡供学生申请。此联名卡有两个版本,返现或积累<span style="line-height: normal;">Air Miles</span>,但是除去<span style="line-height: normal;">Loyalty Program</span>,两张卡基本没有任何区别(甚至长得都一模一样。。。),故此一起介绍。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCTFKoS3HwdEKxpBmtUTQV9SY1bS_re9FmB8KYV1CfTwq8ytm-a98f4n5M3_IXNcs8I0rpJeqKv4Qbo9O-IFq8SGeJrkfEPRW6aBWv7ub-dZCIOsiHG7FD9aWathweLJWvykO-pv3Kkps/s1600/bmo-spc-mastercard.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCTFKoS3HwdEKxpBmtUTQV9SY1bS_re9FmB8KYV1CfTwq8ytm-a98f4n5M3_IXNcs8I0rpJeqKv4Qbo9O-IFq8SGeJrkfEPRW6aBWv7ub-dZCIOsiHG7FD9aWathweLJWvykO-pv3Kkps/s320/bmo-spc-mastercard.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>名称</b>:</span> BMO SPC CashBack MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>发卡机构</b>:</span>BMO Banque de Montréal</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>所属组织</b>:</span>MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>分级</b>:</span>Standard MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>年费</b>:</span>$0</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span></div>
<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后<span style="line-height: normal;">90</span>天内的意外损伤或丢失,最高赔付<span style="line-height: normal;">60 000</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>专属福利</b>:自带SPC折扣</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:返现。每刀消费返现<span style="line-height: normal;">1%</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>开卡奖励</b>:目前开卡即送<span style="line-height: normal;">30</span>刀,头三个月刷满<span style="line-height: normal;">1K</span>再送<span style="line-height: normal;">30</span>刀。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>名称</b>:</span> BMO SPC AIR MILES MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>发卡机构</b>:</span>BMO Banque de Montréal</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>所属组织</b>:</span>MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>分级</b>:</span>Standard MasterCard</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>年费</b>:</span>$0</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span></div>
<div style="color: #454545; line-height: normal;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后<span style="line-height: normal;">90</span>天内的意外损伤或丢失,最高赔付<span style="line-height: normal;">60 000</span>刀</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>专属福利</b>:自带SPC折扣</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>奖励方式</b>:</span>Air Miles<span style="line-height: normal;">。每</span>20<span style="line-height: normal;">刀消费获得</span>1<span style="line-height: normal;">点</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="line-height: normal;"><b>开卡奖励</b>:目前开卡送</span>500<span style="line-height: normal;">点</span>Air Miles<span style="line-height: normal;">。</span></span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">简评</span></h4>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><span style="color: #454545;">这两张卡都是专门为学生打造的卡,可以说符合(银行认为的)学生党的一切条件:无年费,专属折扣,最基本的保险,申请没有下限(无需信用记录/收入要求)。比起</span><span style="color: #454545; line-height: normal;">TD</span><span style="color: #454545;">某几张连购物保险都没有的渣渣,这两张卡明显更适合学生。如果是不喜欢折腾信用卡的同学,这两张卡算是极好的,但是显然也有自己的固有缺点:保险太少,旅行保险一个没有,所以这两张卡都不适合旅行消费。不过就日常而言,算是不错的卡了,毕竟比起返现</span><span style="color: #454545; line-height: normal;">1.25%</span><span style="color: #454545;">的</span><span style="color: #454545; line-height: normal;">AmEx SimplyCash</span><span style="color: #454545;">和每</span><span style="color: #454545; line-height: normal;">20</span><span style="color: #454545;">刀一点的</span><span style="color: #454545; line-height: normal;">AmEx Air Miles</span><span style="color: #454545;">,</span><span style="color: #454545; line-height: normal;">MC</span><span style="color: #454545;">的接受广泛的多。</span><span style="color: red;">本人认为这两张卡都适合作为学生党的第一张卡</span><span style="color: #454545;">,而具体到本人个人,因为本人不太喜欢</span><span style="color: #454545; line-height: normal;">Air Miles</span><span style="color: #454545;">,所以偏好</span><span style="color: #454545; line-height: normal;">CashBack</span><span style="color: #454545;">那张。</span></span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-41820227343459302562016-08-24T20:50:00.004-04:002016-08-24T20:51:25.263-04:00SCENE简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">SCENE是加拿大电影院Cineplex的会员。在去年改版之后,没有以前那么神奇了,但仍然不失为一个好的会员资格,搭配本人将要说的玩法更将成为看电影神器。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">SCENE没有任何等级的区分,适用的范围也比较有限,主要是Cineplex,Sportchek,Mark's及Swiss Chalet, Harvey's, Montana's, Milestones, Bier Markt, East Side Mario's, Kelsey's, Fionn MacCool's, D'Arcy McGee's, Paddy Flaherty's和Tir nan Òg这几个餐厅(Honestly,有一半都没见过。。。)。</span></span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">通过SCENE卡在Cineplex消费,每次观看普通电影获得100点,IMAX/3D等premium电影获得150点,VIP电影获得200点。兑换方法则是每1000点一张普通票,1500点一张premium票,2000点一张VIP票。除此之外,此卡使你在Cineplex的饮食消费打九折,在星期二半价日还可以折上加折的再打九折(所以我基本都是星期二去看电影,没别的,实惠,买VIP都不心疼)。同时,在Cineplex Store消费每刀10点,在Sportchek消费每刀一点,吃饭每3刀一点,后者简直毫无意义。。。谁会去上面那几个地方吃那么多钱。。。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">除了这些之外,你还可以通过Scotiabank的SCENE Visa积攒,每刀一点,不限地点,回报相对一般。同时他家还有专门的SCENE Debit和SCENE Prepaid Visa,也可以赚取SCENE points,如果有人用的是Scotiabank别忘了去换。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">说了这么多,貌似这卡除了看电影打折,就没什么了啊?错,<span style="color: red;">接下来本人就要介绍玩法了!</span></span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">大家也许注意到过,Sportchek有的时候会有十倍积分的活动,也就是每刀消费能获得1+10=11点SCENE。重点来了:你买完东西之后去退货,这10点bonus是不会收回的!所以玩法就是:<b style="background-color: white;"><span style="color: red;">在10倍积分的时候去买买买,时间一过就去退退退</span></b>,空手套白狼!下图就是本人发现这种玩法那次的点数记录:可以看到,高达3810点的bonus没有被reverse!直接导致的后果就是本人免费多看了两场premium电影。。。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">好了,所以玩法就在这里,祝大家免费电影看得开心~(PS. 这一手别用得太多了。。。羊会被撸秃的!)</span></div>
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<span style="color: red; font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>严肃的声明:任何人不得在未得到授权之前以任何形式转载本人的帖子。本人将保留全部版权。</b></span></div>
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><br /></span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com2tag:blogger.com,1999:blog-7608740131558704028.post-80215370441352784602016-08-24T17:31:00.000-04:002016-08-24T17:40:54.648-04:00RBC Visa Platinum Avion简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">近两个星期没更新,是因为本人考试完之后家里事情很多,在此为断更表示歉意!</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">就在刚才,本人在RBC换的Visa Platinum Avion已经寄到。根据本人从已持有卡开始介绍的传统,今天介绍此卡。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrn6MoBSNzm4fNL0N3hB9XAaqH3JzB-EzV3fW4NWaNogjohws4syrHScIoNhPtPOwJi3sAnAfqHzzy0WLaZQvWiWVBMJsx4qMhY6HcOKpS17hDkuhDsMiBD_1uU3nVM4FOCaSDZ4y8wWY/s1600/avion_p%25402x.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrn6MoBSNzm4fNL0N3hB9XAaqH3JzB-EzV3fW4NWaNogjohws4syrHScIoNhPtPOwJi3sAnAfqHzzy0WLaZQvWiWVBMJsx4qMhY6HcOKpS17hDkuhDsMiBD_1uU3nVM4FOCaSDZ4y8wWY/s320/avion_p%25402x.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: RBC Visa Platinum Avion</span></div>
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<b>发卡机构</b>:RBC Royal Bank</div>
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<b>所属组织</b>:Visa</div>
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<b>分级</b>:Visa Platinum</div>
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<b>年费</b>:$120</div>
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-副卡年费:$50</div>
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<b>所含保险</b>:</div>
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-旅行意外险:最高保50万刀</div>
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-租车险</div>
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-旅游取消/中断险:每人最高保1 000刀,上限5 000刀</div>
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-航空延误险:四小时起保,每人最高保250刀,上限500刀。</div>
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-购物保险:购买后90天内的意外损伤或丢失,最高赔付50 000刀(嗯,AmEx白金卡好好学学正确姿势。。。)</div>
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-延长保修:延长保修期一倍,最高一年</div>
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-住店抢劫险:每次最高保1 000刀</div>
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-行李遗失险:每次最高保2 500刀</div>
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<b>奖励方式</b>:RBC Rewards Point。每刀一点,在RBC自己的e-mall上购物、在Carlson Wagonlit订旅游、在Thrifty租车有bonus。点数可用于兑换礼品卡、礼品或者用于还款等,但是比较好的用法是兑换短途之王英航(BA)的里程</div>
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<b>开卡奖励</b>:首次刷卡送15 000点</div>
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简评</h4>
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和前文的Sig Visa相比,这张卡才是真正的良心卡。卡面算是比较漂亮的,图片上看不出的细节在于左上角的“Platinum”是有金属反光的。在升级为Avion线的卡片之后,RBC Rewards的价值明显拔高,根据权益手册的说法,短途旅程15 000点即可起换,最高能换到价值350刀的机票。这个价值确实也算是不错了,再加上和BA的互通有无以及15 000点的开卡奖让这张卡成为了极好的。。。被Churn卡*。本人对此卡的使用建议是这样的,从某张低等级RBC卡升级上来(没有下限貌似,我去分行说要额度5K才能换卡,结果我1.5K照过不误),然后拿到了开卡奖一个月左右降级下去。这样,RBC可能退还部分年费(详情本人会再次报道),相当于空手套到了15 000点BA里程!再看看保险,但从单项金额来看,此卡的旅游保险表现平平,但是购物相关保险甚至把AmEx白金卡打得满地找牙,可见是张好卡无疑了。综上,本人认为此卡比起AmEx白金更适合日常使用,但是旅游上还是就拿来空手套BA好了。<br />
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*注:Churn是玩卡的一个常用术语,指通过反复开关卡反复获得开卡奖励的行为。</div>
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咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-78416441666715912852016-08-18T00:07:00.005-04:002016-08-18T00:07:57.691-04:00快讯:AmEx添加加拿大利率最低的信用卡<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">在刚才酝酿AmEx金卡的帖子的时候,在AmEx官网看到了一款新卡:<a href="https://www.americanexpress.com/ca/en/content/essential-credit-card/">American Express Essential Credit Card</a>。</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxxo0hOTNGKJgK-6ZU2zBM_ujPLEWjwDa3cfc1eiwI6pi6G3i4HSn0E2sU4NuBqnRJfRs3rsZ5uXy7X1-jB23V5vFZOSoJW4JgddygOsdcCe-jSzZH9GRCuRx7mRwbSZZWP-EliGgPk4U/s1600/ipj_card-art-large-sprite-essential-card.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="145" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxxo0hOTNGKJgK-6ZU2zBM_ujPLEWjwDa3cfc1eiwI6pi6G3i4HSn0E2sU4NuBqnRJfRs3rsZ5uXy7X1-jB23V5vFZOSoJW4JgddygOsdcCe-jSzZH9GRCuRx7mRwbSZZWP-EliGgPk4U/s320/ipj_card-art-large-sprite-essential-card.jpg" width="320" /></a></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">此卡无年费,无回报,但是<span style="color: red;">亮点在利率居然只有惊人的8.99%</span>。本人认为此卡适合信用很一般而且还款习惯不好的人,对本博客的大多数读者没有意义,还不如申请SimplyCash</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-91968757769685040492016-08-17T14:46:00.001-04:002016-09-14T10:09:05.959-04:00The Platinum Card简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">The Platinum Card是运通白金卡的正式名字,一个霸气外露的“The”暴露了它的逆天属性。毫无疑问,此卡是加拿大市场上最昂贵的卡之一。作为白金卡的持卡人,本人打算在此和大家分享一点经验。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>基本属性</b></span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioxkaSvt57aIDWUSz1glcXqPEA22ABB-07hI2O5Gy-BcsNw3IqrKYQqWBE673mBiQWx8EDbkgehpnOMu0f0SV0IBY4K3LcHjeh0Fr9mnBHKQUdcrCzCuVQHtEr_8hnqES3ZKvl0noEueM/s1600/AMP_Plat_Chip.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioxkaSvt57aIDWUSz1glcXqPEA22ABB-07hI2O5Gy-BcsNw3IqrKYQqWBE673mBiQWx8EDbkgehpnOMu0f0SV0IBY4K3LcHjeh0Fr9mnBHKQUdcrCzCuVQHtEr_8hnqES3ZKvl0noEueM/s1600/AMP_Plat_Chip.png" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: The Platinum Card</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>发卡机构</b>:American Express Bank of Canada</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所属组织</b>:American Express</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>分级</b>:AmEx Platinum</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:$699</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">副卡年费:白金副卡$175,金副卡$50</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-省外医疗保险:65岁以下保15天,最高保500万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅游取消/中断险:取消险最高保3 000刀,中断险最高6 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-航空延误险、包裹延误险、住店抢劫险:每次均最高保1 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-行李遗失险:最高保1 000刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅行意外险:最高保50万刀</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车险</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后90天内的意外损伤或丢失,最高赔付1 000刀(没诚意!)</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-紧急换卡:卡片丢失后可第一时间将旧卡作废</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">专属福利</span></b>:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Platinum Concierge: 24/7在线的私人助理</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Fine Resorts and Hotels: 简称FHR,白金卡和黑卡的专属高级酒店项目</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-贵宾候机厅:包括AmEx百夫长厅,加拿大白金候机厅,Airport Club</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-高级会员福利:</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Priority Pass Select:可</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">免费</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">带一人进入Priority Pass贵宾候机厅</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Hilton HHonors Complimentary Gold Status希尔顿金卡</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Starwood Preferred Guest Complimentary Gold Status喜达屋金卡</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Club Carlson Complimentary Gold Elite Status卡尔森金卡</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Fairmont President's Club Complimentary Platinum Status费尔蒙五夜升白金</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Avis Preferred安飞士尊享卡</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Hertz Gold Plus Rewards Five Star赫兹五星会员</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-Preferred Golf Complimentary Membership高尔夫会员</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-每年200刀旅游报销</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-多伦多皮尔逊机场相关福利:服务费免除,停车八五折,快速通道</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-联系电话是白金卡专属线路</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-<span style="color: red;">只有此卡可能触发百夫长黑卡的邀请</span></span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:Membership Rewards Points, AmEx自己的奖励体系。每刀1.25MR。在AmEx Travel消费每刀2.25MR。可以换成Aeroplan,希尔顿HH等多种点数。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>开卡奖励</b>:3个月消费1000刀奖励50 000MR。用推荐链接则可以获得60 000MR。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>推荐项目</b>:每推荐一人可获得15 000MR;每年最多推荐15人(225 000MR)。</span><br />
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">申请要求</span></b>:年收入最低4万刀。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">这张卡大概是不需要极高收入就能申请到的好卡的极佳证明了;和它等级相当的五大行VIP(Visa Infinite Privilege)卡都需要20万以上的家庭收入,<span style="color: red;">此卡只需要个人4万(而且不会真查,否则本人可是申请不下来的了)</span>。不得不承认,700刀的年费不菲,但是看看上面列出来的一大堆福利 ––– 真的贵吗?其实对于常常旅游的人而言,这张卡是相当神的,单各类金卡上的附带价值就远远超过了年费(比如PP Select,单买每年可要399美刀),更何况还有每年200刀的旅游报销!还有本人在<a href="http://www.studentsfinance.ca/2016/07/blog-post_30.html">汇总帖</a>说到过的Platinum Concierge,大到吃饭订位,机票预订,小到找一本书,都可以代劳(当然比起神乎其神的Centurion Concierge还差了不少)。除了这些之外,白金卡就算是日常</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">客服</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">质量都是上选,业务不熟的客服的出现比例低,导致我现在不管是哪张卡出问题都联系白金专线。。。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">肯定会有人注意到,这张卡是真正的旅行神卡,它包括了基本上一切能想到的旅行保险。对于旅行不多的同学,本人更推荐金卡,论日常消费的回报,金卡实际上要高于白金卡。对此卡本人最大的怨念就是<span style="color: red;">2.5%的货币转换费不免</span>。。。年费700刀啊!免掉会死啊!学学美国好不好!195刀的AmEx Premier Gold Rewards都免了!</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com1tag:blogger.com,1999:blog-7608740131558704028.post-86938820849559757892016-08-13T12:15:00.001-04:002016-08-13T12:15:27.427-04:00巧用信用卡,管理个人开支<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">对于大多数人来说,每年、每个月甚或每个星期总有那么几天忍不住想要剁手,而剁手却是停不下来的。导致的结果,月底收到一张超额的账单,欲哭无泪。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">对于许多没有自我控制的人来说,用信用卡的额度超额消费却不考虑自身的承受能力并不罕见。这时候应该意识到信用卡是把双刃剑;除了提供超前消费的能力,信用卡还可以控制日常消费。控制的方法很简单,<b>降低授信额度!</b></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">说到信用卡的授信额度大家总会想到“提额”两个字,殊不知信用卡也可以降额。这也就是为什么信用卡的管理界面一般说的是"Change Credit Limit"而不是"Increase"的原因。以下就是我AmEx和RBC的管理界面,可以清楚地看到升/降的选择。</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">这也就是控制剁手的简单粗暴的一个方法,<span style="color: red;">降低某张卡的额度,出门也只带那一张,在各大在线消费也只保留那一张,同时绝不提早还款</span>。如果你把额度降低到500刀,那么你一个月的开销500就顶天了,500额度的信用卡能确保你刷不到501刀。</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">当然,显而易见,自我控制还是需要的,你必须控制自己只带一张低额度卡并且不提早还。不过,就本人看来,这比带着高额度卡控制自己不去刷要简单多了。。。</span></div>
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><br /></span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-68228230871860052772016-08-09T20:09:00.003-04:002016-08-09T21:28:28.619-04:00SPC(Student Price Card)简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">首先说明,此篇说的不是喜达屋集团的的会员(SPG)。。。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">SPC全称为Student Price Card,是加拿大的一个针对学生的优惠项目。</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">如果大家用过BMO的信用卡,肯定会记得他家的两张SPC信用卡。事实上,SPC是一个独立的项目,专门提供给学生的,不管大中小学生几年级(尚未求证研究生是否也可以申办)。此卡每年需要更新,每张卡10刀,能享受到部分商户的优惠。比如在Boston Pizza,安省可以享受八五折;必胜客可以享受九折;Petro-Canada加油,获得120%的点数;在Tommy Hilfiger九折。当然也有一些限制性的Offer,比如<strike>肯打鸡</strike>肯德基只对部分食品有优惠;或者是地区性的限制,比如Boston Pizza在Atlantic就只有九折。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">除了自己购买SPC卡之外,BMO的联名信用卡也是个使用SPC的绝佳方法,本人推荐返现的那一张:全方位1%返现+自带SPC的折扣,在加拿大无年费学生卡里算是最良心的了。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">本人认为,如果你没有BMO的SPC信用卡,每年买一张SPC卡也是绝对划得来的。吃的消费不一定有那么大,但每年总会买新衣服吧??GAP的折扣是八五折,而且在GAP的打折商品还可以折上折再打折5%!简单计算可以发现只在GAP买东西的话,只要67刀就可以回本,按照加拿大服装的这价位难道一年还会买不满?</span>咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com1tag:blogger.com,1999:blog-7608740131558704028.post-21470733012331611622016-08-05T15:51:00.003-04:002016-08-09T18:56:14.686-04:00巧用理财软件,养成理财好习惯<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">许多同学都听说过“卡奴”的概念。作为撸卡的人,最忌就是成为卡奴。好在我们生活在21世纪,科技能起到的作用还是很大的。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">卡奴,又称卡债族,或称多重债务者(因为卡奴大多不只欠一家银行):见于台湾新闻用语,中国大陆民间亦作讽刺或自嘲使用,指因为使用信用卡、现金卡透支消费,月薪或收入无法将支出的部分摊平,首期只能缴部分的金额,之后需给付金融机构循环利息、违约金、手续费等费用而背负高额卡债,个人财务周转不灵的人。–––– 维基百科</span></blockquote>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">大家如果稍稍看过银行的条款就会发现,还款不及时的年利率普遍在19%以上,运通签帐卡更是高达30%!考虑到循环利息的问题,哪怕有一次没有按时还款,辅以时日都可以成为一个灾难。本人的SimplyCash第一个月的欠款不过两三百,运通给出的提示是这样的:如果你每次都只支付minimum</span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> payment, 那么<span style="color: red;">在12年后你就可以还清债务</span>。看看,知道厉害了吗?</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">有同学就说了,诶那我每次都还全款还不行吗?答案是当然可以,但是当你手里有多张卡的时候,会很容易漏掉某张。每张卡都可能有不同的账单日和账单日之后的Grace Period,这就导致你一个月里好几个不同的Due date。比如本人就有每月4号,5号,18号,21号四个不同的Due。如果你习惯于利用信用卡的额度来进行资金周转,一旦一不小心漏掉一个Due那可就好玩了:还款逾期会在个人信用记录上留下浓墨重彩的一笔,极有可能七年才能消去,这样的一个负面影响不仅仅会影响到未来申卡,还会影响到各种贷款的审批。所以千万不要忘记还款。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">针对多卡用户,除了尽量<span style="color: red;">订阅银行的还款通知(短信或者邮件</span>,纸质信件还是算了)之外本人在这里推荐两个App,都可以帮上忙。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Mint</span></h4>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Mint的开发者是Intuit,就是开发著名报税软件TurboTax的那家,本人认为这家公司规模相对较大,隐私保护还是做得好一些的(这也是本人只用它的原因,应该也是<span style="color: red;">免费理财软件里最好的一个</span>了)。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">上图就是本人Mint的警告界面,可以清楚的看到高消耗项目以及余额不足的银行账户等。Mint的使用非常简单,下载App,创建一个账户,然后就可以把你的银行账户全部添加进去了。Mint会监控你的消费,对于不符合以往规律的大额消费会予以提醒;会实时监控各账户的余额,提醒你的净资产状态;当然也有银行的还款通知。可以说<b><span style="color: red;">Mint可以一站式的管理个人财务</span></b>,对于我这种有5个银行账户6+张信用卡的人来说简直就是绝配。最重要的,此软件免费。本人强烈推荐大家都下载一个,集中管理总比一个一个登陆去看容易多了。当然,缺点也是有的,主要在于它不能100%可靠的对所有消费分类,很多会变成Uncategorized。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">EasilyDo并不是一个理财软件,它的开发目的是为了<span style="color: red;">简化生活</span>,但是它也能起到一定的财物管理作用。它可以监控你的邮箱等,提取其中的重要信息显示在界面上。目前我用到过的功能有包裹追踪、网购收据的集中管理、生日提醒、新的联系人建议添加、联系人合并等等,确实让生活简单了许多。此软件也会监控银行发来的还款通知并且提醒你在那天还款。虽然不是真正意义上的理财软件,但本人认为此软件的收据管理可以让我们清晰地看到剁手在哪里,并且对非必要的支出加以控制。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">以下也就是本人的EasilyDo界面,可以看到所有的receipts都清晰地罗列在一起,这些receipts都来源于邮件等。当然大家也可以看到其他的一些功能,包括包裹追踪、通讯录添加等等。最后一张截图则是付款提醒的设置界面,可以自由选择信息来源。因为本人惯用Mint,就没给它太大的权限了。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">当然了,就算有app的帮助,自己养成良好的理财习惯才是最重要的。信用卡还款尽量全款不要拖欠(为了养成这个习惯,运通签帐卡可以帮上大忙。。。),并且可以有意识的提早还一部分款以防止每个月的信用额度耗费过大(这样的消费习惯对信用记录有影响。我以后会专门写一篇信用记录的科普)。当然,作为中国人,我们都不习惯欠钱,应该说对大部分人而言还款逾期都是个不会遇到的问题吧。</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0tag:blogger.com,1999:blog-7608740131558704028.post-11619848922622721652016-08-03T23:05:00.000-04:002016-09-14T10:08:52.065-04:00 SimplyCash Card from American Express简介<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">当今美国运通在加拿大发行的信用卡中,除了鸡肋之王Blue Sky之外,唯一一张没有年费的卡就是SimplyCash了。这张卡也是我的第一张运通卡。</span><br />
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<a name='more'></a><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><br /></span><span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">SimplyCash这张卡作为第一张运通卡是一个风险较低的选择,同时也有超过1%的日常的消费回报,作为运通好卡的跳板简直是再合适不过了。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">基本属性</span></h4>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiExwAjhE1urDO3PgEXVXaVdx5w8XbUTR0ByDAAbv-NQby1TNNAeS9I47QJJtSaIcJvn5I5_4tw4JPmj_q-aJGmbpCqI3yrt-WKjty5MinzYUSHFZQsZ1Tfvb91W_xBGw5D72tE9fJLV2U/s1600/Simply-Cash.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="202" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiExwAjhE1urDO3PgEXVXaVdx5w8XbUTR0ByDAAbv-NQby1TNNAeS9I47QJJtSaIcJvn5I5_4tw4JPmj_q-aJGmbpCqI3yrt-WKjty5MinzYUSHFZQsZ1Tfvb91W_xBGw5D72tE9fJLV2U/s320/Simply-Cash.png" width="320" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>名称</b>: SimplyCash Card from American Express </span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>发卡机构</b>:American Express Bank</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所属组织</b>:American Express</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>分级</b>:American Express Card </span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>年费</b>:0</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>所含保险</b>:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-旅行意外险:最高保10万</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-租车的事故和盗窃险:车辆价值不高于8.5万则可享受</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-购物保险:购买后90天内的意外损伤或丢失</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-延长保修:延长保修期一倍,最高一年</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b>奖励方式</b>:返现。全部消费返现1.25%,上不封顶。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">推荐项目</span></b>:每推荐一人可获得100刀奖励,每年最多推荐15人。</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"><b><span style="color: red;">当下活动</span></b>:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-开卡后前6个月买菜、加油、吃饭可得5%返现,250刀封顶(即此三项最多有5000刀消费可得5%回报)</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-开卡后前六个月Balance Transfer利率为0</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-可能收到邮件offer,添加一张副卡奖励25刀。</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1yBIJaHrDIjyLhO7AYvWKTrVJUWOrn4821mhnGHR5xnY8x0MYbyJGAzGRHpq-HO3KfIo1V3IPGElW8aBal2WOqkEM-bso3EyogUcbNaEMhQnRwUytsHeLSVscNuj9-kc6dfwmQElmikQ/s1600/Screen+Shot+2016-08-03+at+22.57.25.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="" border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1yBIJaHrDIjyLhO7AYvWKTrVJUWOrn4821mhnGHR5xnY8x0MYbyJGAzGRHpq-HO3KfIo1V3IPGElW8aBal2WOqkEM-bso3EyogUcbNaEMhQnRwUytsHeLSVscNuj9-kc6dfwmQElmikQ/s400/Screen+Shot+2016-08-03+at+22.57.25.png" title="本人收到的AmEx邮件Offer" width="348" /></a></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">一如本人所说过的,由于受众小,AmEx的卡在同等年费的范围内往往好过其他的卡。SimplyCash这张卡虽然没有年费,但是总的来看,如果和年费39的<a href="http://castudentsfinance.blogspot.ca/2016/08/signature-rbc-rewards-visa.html" target="_blank">RBC Signature Visa</a>相比,可以发现:</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-在福利上除了旅行意外险金额只有10万之外,几乎一样</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">-在收益上,Signature Visa勉强达到1%,此卡超过1%</span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">可以说横向比较下基本完胜,如果不是因为AmEx的接受范围比Visa小几乎可以说这张卡把Sig Visa爆的渣都不剩(毕竟旅行“意外”险这玩意大家都不希望能用到。。。)。除此之外,这张卡也长的非常特别,官网图片确实看不出,但是拿到手会发现<b>这张卡居然是磨砂半透明的设计</b>(可以参考<a href="http://castudentsfinance.blogspot.ca/2016/07/blog-post_30.html" target="_blank">加国信用卡信息总汇</a>的题图,AmEx那一列顶上的一张就是SimplyCash。透过卡面可以清晰地看见我桌面的黑色),可以把卡内芯片的走线都看得清清楚楚,无形中平添了几分趣味和辨识度。</span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">本人对此卡的态度是作为AmEx高端卡的跳板,要知道AmEx的金卡白金卡以及SPG联名卡都是加拿大少有的高收益高权益的神卡,有这张卡在中间做个跳板,申请高端的卡就更容易了。除此之外,此卡没年费,就算不想要了也不必非要取消,还可以没事推荐给朋友,自己赚个100什么的,何乐而不为呢?</span></div>
咖啡君http://www.blogger.com/profile/05050147248797474596noreply@blogger.com0