本文发表在 rolia.net 枫下论坛I didn't say I get 50k from scotia bank.
I got over 50k from different banks.
but scotia did offer me 50k if I will cancel some of the other banks.
My experience:
my first CIBC banker told me that bank will only offer 25k unsecured LOC.
anything over 25k must be secured.
but that is not true.
So, some banker don't know the whole story or don't want to tell the customer the whole story.
And as a customer, better we share and know the whole truth.
So, here is the facts from my own experience:
1. unsecured LOC 50k from one bank is posible.
2. over 50k unsecured LOC totaly for one person from different banks is posible.
3. prime + 1% unsecured LOC is posible.
and above are just for a avarage person, not a person with lots of assets.
One more experience that can help us:
normaly, the bank will NOT issue credit card to new immigrant.
New immigrant must put a fixed term deposit to get a credit card.
But, my firned got a credit card WITHOUT put down any fixed term deposit.
the banker is doing this favor to her, because she put over 200k US$ in the bank in money market account.
Another case,
normaly if the name of the check doesn't match with the account holders name, the teller will not deposit it for you.
but, my banker will do it for me.
So, the conclution is:
there are bank policies.
But some of the policies are definitly flexible.
Ask for it, and if it is in the range, good banker will do it for you.更多精彩文章及讨论,请光临枫下论坛 rolia.net
I got over 50k from different banks.
but scotia did offer me 50k if I will cancel some of the other banks.
My experience:
my first CIBC banker told me that bank will only offer 25k unsecured LOC.
anything over 25k must be secured.
but that is not true.
So, some banker don't know the whole story or don't want to tell the customer the whole story.
And as a customer, better we share and know the whole truth.
So, here is the facts from my own experience:
1. unsecured LOC 50k from one bank is posible.
2. over 50k unsecured LOC totaly for one person from different banks is posible.
3. prime + 1% unsecured LOC is posible.
and above are just for a avarage person, not a person with lots of assets.
One more experience that can help us:
normaly, the bank will NOT issue credit card to new immigrant.
New immigrant must put a fixed term deposit to get a credit card.
But, my firned got a credit card WITHOUT put down any fixed term deposit.
the banker is doing this favor to her, because she put over 200k US$ in the bank in money market account.
Another case,
normaly if the name of the check doesn't match with the account holders name, the teller will not deposit it for you.
but, my banker will do it for me.
So, the conclution is:
there are bank policies.
But some of the policies are definitly flexible.
Ask for it, and if it is in the range, good banker will do it for you.更多精彩文章及讨论,请光临枫下论坛 rolia.net