2016年12月6日星期二

在Tangerine开户的注意事项


聚沙前面介绍过Tangerine银行账户和信用卡,目前Tangerine的相关offers可见:
http://www.canadianrewards.net/2017/02/current-tangerine-bank-promotions.html 最近,一直有朋友问新移民和国际学生能否申请Tangerine的银行账户和信用卡呢?

先说信用卡吧,新移民积累了一些信用记录后可以申请,而且额度会较高。不过国际学生申请就要注意了,Tangerine在信用卡方面对学生不太友好,你就算申请下来也需要提供加拿大的证件才能激活(中国护照不行),所以你最好有加拿大的驾照或其他官方发的证件,再考虑申请Tangerine Money-Back MasterCard(申请时别提供SIN)。

至于Tangerine的银行账户,新移民和国际学生都是可以申请的。不过,必须指出的是,自从Scotiabank接手橘子银行后,对新客户的身份/收入认证愈发严格,且逐渐对学生也不太友好了。最近“Everett”大神提供信息,说国际学生在Tangerine开账户,给了SIN还不够,还得fax或者mail ID copy/SIN letter/Study permit给他们。最新的消息,Tangerine已经发展到要开户人补T4才给开户的$50 bonus。聚沙个人觉得,橘子银行是稍微有些过分了,和原先的ING Direct的风格大不同啊。所以,请大家在开户之前要好好衡量,自行评估风险。

嗯,除了开户的$50 bonus以外,那个$75的payroll direct deposit奖励也不是那么好拿的。有些朋友和Tangerine客服联系,客服说你需要连续direct deposity 六个月才能拿到这个$75的bonus【官方网站上可没有提这个啊】。还是老话,大家自行评估啦。

顺便提一下:Tangerine的Debit卡面换新的了(见上图,谢谢“code”提供)。你有可能在接下来的2周年收到新的Tangerine Debit卡(卡号和PIN不变)。Tangerine介绍新的Debit卡会自带Interac Flash功能,当你支付低于$100时,可以不用插卡/输密码。呵呵,你会用这个Interac Flash吗?反正我是不会用的。注意:如果你的Debit卡被盗刷(和信用卡被盗刷不一样),Tangerine是没有责任的。

附件(Tangerine Debit 卡的部分 Cardholder Agreement)

You are liable for all authorized use of your Card and PIN. Authorized use includes, but is not limited to, authorizing another person to use your Card and PIN, any entry errors at a point of sale or Debit Terminal, and all fraudulent or worthless deposits you may make.

You are also liable for the unauthorized use of your Card and PIN when you contribute to its unauthorized use. This includes the following circumstances:
  • you fail to notify Tangerine in accordance with section 9 of this Agreement;
  • you fail to keep your PIN confidential in accordance with section 8 of this Agreement; or
  • you fail to cooperate with Tangerine in its investigation of the unauthorized use.
Your liability each day for such unauthorized use is limited to your total Daily Limits. Your liability may exceed the actual funds in your Account(s) if the Account has a line of credit and/or Overdraft Protection, is linked with other Accounts, or the transaction is made based on a fraudulent or worthless deposit at a banking machine or Debit Terminal.

Tangerine will in no way be liable for any accident, act of aggression, theft, loss or damage you may suffer while using Debit Terminals or other Services, whether you are on the premises of Tangerine or other premises.

Tangerine will not be liable for any errors which may result from incorrectly providing or selecting any Account number, dollar amount or other information required for the operation of the Service.

Tangerine will not be liable for the release of any information about you or any loss or damage: a) if you choose not to follow the recommendations set forth in section 8 of this Agreement; or b) which result from your breach of either section 8 or section 9 of this Agreement; or c) which result from any misuse of your Card or PIN.

Tangerine will not be liable for any loss or damage you may incur in using any software, product or service provided by third parties in connection with the Service.

Tangerine will not be liable to you or any other third party if a merchant does not accept the Card at any time. If your Card and PIN are used for a direct payment transaction, Tangerine will in no way be responsible for the quality or non-receipt of the goods or services (or both) obtained by way of the Card. All claims or disputes between you and the merchant, including your rights to compensation or any rights of set-off, must be settled directly by and between the merchant and you. When a merchant becomes liable to make a refund to you, Tangerine will credit the Account(s) designated by you with the amount to be refunded, only upon receipt by Tangerine of a properly issued credit voucher or other appropriate verification or authorization of the refund.

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