President Choice Financal - Kostenloses Konto & MasterCa

#1 | President Choice Financal - Kostenloses Konto & MasterCa datum

28.06.2007 11:03

Habe mich heute mit der Bank http://www.pcfinancial.ca beschäftigt und bin vom Angebot eigentlich überzeugt. Kostenloses Konto, eine Art Niederlassung ist auch in der Nähe meines zukünftigen Wohnortes usw.

Da ich mich aber im kanadischen Bankenwesen gar nicht auskenne, hab ich mal einige Fragen:

- Hat jemand Erfahrungen mit President Choice Financial?
- Wer kann mir die ganzen Fees und Kosten bei der MasterCard dort mal genauer erklären? Ich verstehe teilweise dies fachchinesisch nicht ganz. Hab das mal hier unten weiter eingestellt.

- Und für mich sehr wichtig: Wie funktioniert es in den USA mit der Kreditkarten Bezahlung? (Stichwort Wechselkurs) Oder lohnt es sich eher für die USA noch eine Extra Kreditkarte zu besorgen (geht das überhaupt?). Ich muss viel und oft von Kanada aus in die USA, daher ist dieses für mich wichtig zu wissen.

Hier mal das Kleingedruckte der MasterCard dieser Bank:

Purchase Interest Rate The annual interest rate for all purchases will be 19.97%.

Interest Free Grace Period For Purchases You will have a minimum of 21 days without interest on new purchases (meaning purchases which have not appeared on any previous statement) as long as you pay your entire balance by the payment due date. If you make a partial payment only, interest will be charged on all purchases from the posting date until you pay your entire balance. Cash advances (including balance transfers and convenience cheques) do not receive any interest free grace period and interest is charged from the transaction date.

Cash Advance Interest Rate This rate of 19.97% per year applies to all cash advances obtained through an ABM (automated banking machine) or at the teller of a MasterCard® issuing institution.This rate will also apply to all non-promotional balance transfers, cash transfers and convenience cheques.

Default Interest Rate The annual Default interest rate will be 22.97%.This rate will apply if you fail to make your minimum monthly payment by the due date for two consecutive billing periods.The Default interest rate will apply to your unpaid balance (including purchases, cash advances, promotional balance transfers and cash transfers) and all new transactions until the statement after the month you have brought your account into good standing.The then current interest rates will be applied to the unpaid balance of your purchases, cash advances, promotional balance transfers and cash transfers (as applicable) on subsequent statements, provided that your account remains in good standing.
Sundry Service Fees Domestic cash advance fee – a fee of $2.50 is charged on each cash advance obtained in Canada at any financial institution or ABM. No fees are charged on cash advances obtained at President’s Choice Financial® and CIBC bank machines.

International cash advance fee – a fee of $4.00 is charged on each cash advance obtained outside Canada at any financial institution or ABM.
President’s Choice Financial MasterCard convenience cheque – a fee of $5.00 CDN (for convenience cheques up to the equivalent of $1,000 CDN) or $9.00 CDN (for convenience cheques over the equivalent of $1,000 CDN) is charged if the convenience cheque is written to a merchant outside Canada.

Dishonoured convenience cheque fee – a fee of $25.00 is charged for each convenience cheque drawn on your account that is returned due to insufficient funds or because your account is not in good standing.
Dishonoured payment fee – a fee of $25.00 is charged for each cheque or other payment item received by President’s Choice Bank which is dishonoured for any reason.

Statement copy fee – a fee of $5.00 is charged for each copy of a previous month’s statement.
Sales draft copy fee – a fee of $2.00 is charged for each copy of a sales draft.

Foreign currency conversion – if President’s Choice Bank processes a foreign transaction (either a charge or a credit), you will be charged an administration fee of 2.5% of the amount as converted into Canadian dollars.

Overlimit fee – a fee of $20.00 may be charged to your account if your balance exceeds your assigned credit limit on your monthly statement date.

Transaction fee for cash equivalent – a fee of 1% (minimum $2.75, maximum $10.00) will be charged for wire transfers, money orders, travellers cheques, bets and purchases of lottery tickets and casino gaming chips.

Other Important Information Each account statement will normally cover between 28 to 33 days. Minimum payment per account statement is the greater of $10 or 3% of your new statement balance.All rates and fees are subject to change on 30 days prior written notice.