Ingaphantsi kweyesithathu kwisigidi seeminyaka-mali inekhadi lesikweletu, ngokutsho kwe-2016 uphando oluvela kwi-Bankrate.com. Oko kuthetha ukuba izigidi zeminyaka zilahlekile kwezinye iikhredithi ezinkulu zekhredithi kunye nethuba lokuqala ukwenza i-credit yabo. I-Millennials isizukulwana esiyingqayizivele, kungekhona nje nayiphi na ikhadi lekhredithi eliya kuhambelana nothando lwabo lokuhamba kunye neeCawn brunches. Nantsi iikheta zamakhredithi ezilungelelaniso zeminyaka eminyaka.
Eyona ndlela ihamba phambili kubaThengisi beevenkile: Ikhadi leVisa le-Uber elikhutshwe nguBarlaylay
NgeKhadi leVisa le-Uber, uza kufumana ibhonasi ye-$ 100 (efana neengongoma ezili-10000) emva kokuchitha i-$ 500 ekuthengeni kwiintsuku eziyi-90 zokuqala.
Ibhonasi ihlawulelwa kwintengo ye-Uber, i-credit statement, okanye amakhadi wesipho.
Ikhadi leVisa le-Uber linenkqubo evuyisayo yokuvuza. Abanikazi bekhadi baza kufumana iipesenti ezi-4 emva kokutya, kubandakanya i-Uber Eats; Ama-3 ekhulwini abuyele ehotele nase-airfare; Iipesenti ezi-2 emva kokuthengwa kwe-intanethi, kubandakanya iinkonzo ze-Uber kunye nomculo wokusasaza; kunye neepesenti eziyi-1 emva kwayo yonke into.
Akukho mrhumo wonyaka, owona mhle kakhulu we-perk yomvuzo wekhadi lesikweletu , kwaye akukho mrhumo wokuthengiswa kwamanye amazwe kwikhadi lesikweletu. Oko kuthetha ukuthenga kwakho kwezinye iirhafu akuyi kuhlawulwa imali eyongezelelweyo.
Ukongeza kwimbuyekezo kwaye ubhalisele ibhonasi, uya kufumana i-$ 50 yeentengo ngeenkonzo ze-intanethi emva kokuchitha i-$ 5,000 okanye ngaphezulu kwikhadi lakho lekhredithi ngonyaka. Ngaphezulu, uya kufumana i-$ 600 ngomonakalo wefowuni okanye ubusela xa uhlawula i-bill yakho kunye nekhadi lakho lesikweletu. Oko kuthetha ukuba unokuthi udibanise isicwangciso sakho senqwelo-mali yesithwala sefowuni kwaye ugcine imali.
(Phinde uthole imivuzo ngokuhlawula ibhilikhwe yakho yefowuni ngekhadi lakho lesikweletu.)
Hlawulela amaphuzu akho kwi-credits ye-Uber, amakhadi wesipho, okanye umva. Uber credit uqala kwiingongoma ezingama-500 ze $ 5. Umnini wamakhadi oyintloko kuphela onokuzihlawulela amaphuzu kwii-credited ze-Uber nge-app.
Akukho mkhawulo kwimbuyekezo onokuyifumana kwaye ayipheli ixesha elide njengoko ugcina i-akhawunti yakho ngokuma kakuhle.
Amaphuzu angadluliselwa okanye athengiswe.
Ixabiso : I- variable ye-APR inamaphesenti angama-15.99, ama-21,4 ekhulwini, okanye i-24.74 ekhulwini, kuxhomekeke kubukweletu bakho. I-APR iqhubela phambili ngemali engama-25.99 ekhulwini. Ukudluliselwa kwemali kuhlawuliswa intlawulo yepesenti ezi-3 kunye nokunyuka kwemali kuhlawuliswa intlawulo yepesenti e-5.
Faka isicelo kwiKhadi leVisa le-Uber ukususela ngo-Novemba 2, 2017.
Eyona ndlela ihamba phambili kubaThuthi abahambahambayo: Chase Sapphire Reserve
Iwaka liyakuthanda ukuhamba.
I-Chase Sapphire Reserve ihlawula amanqaku amabhonasi ama-50 000 emva kokuchitha i-$ 4,000 ekuthengeni kwiinyanga zokuqala ezintathu zokuvula iakhawunti. Ibhonasi ixabisa i-$ 750 ekuhambeni xa uhlawulela nge-Chase Ultimate Rewards.
Abanikazi bamakhadi bathola i-300 yeekhredithi zokuhamba zonyaka ezihlawulelwayo zokuthenga ukuhamba ezenziwe kwikhadi.
Uya kufumana amanqaku amathathu nge dollar ekuhambeni, kuquka neehotele, iitekisi kunye neetreni; Amaphuzu amathathu nge dollar ekudleni emhlabeni wonke; kunye nenqaku eli-1 nge dollar kuyo yonke into.
Iziphumo ozifumeneyo zixabisa ngaphezulu kweepesenti ezingama-50 xa uzihlawulela ukuthenga ngokuhamba ngeChase Ultimate Rewards, ithuluzi lokubhuka likaChase. Akukho mihla emnyama okanye izithintelo xa ungahlawulela umvuzo wakho.
I-Chase Sapphire Reserve inamanye ambalwa athile abaniki bamakhadi:
- Ukufikelela kwi-100 yemali yentlawulo yesicelo kwi-Entry Global okanye TSA Precheck
- Ukufikelela kwii-lounges zeedolophu
- Iimoto ezikhethekileyo zeenqwelo zokuqeshisa iCar Rental Car, i-Avis, ne-Silvercar xa ubhala ngekhadi lakho
Ku-$ 450 ngonyaka, i-Chase Sapphire Reserve inomnye wekhadi lekhredithi ephezulu yenyanga. Kuya kufuneka uhlawule i-$ 75 ngonyaka ngomsebenzisi ngamnye ogunyazisiweyo . Ibhonasi yokubhalisa kunye nenkokhelo yesitatimende sokuhamba iyenzela umrhumo wonyaka ukwenzela ubuncinane kwiminyaka emibini yokuqala. Ngenxa yezizathu zemali, kufuneka uhlawule intlawulo yonyaka ngokupheleleyo ngenyanga yokuqala xa uvunyiwe. Ngaphandle koko, uya kugqiba ukuhlawula inzala kwimali.
Ixabiso : Ukuthengwa kunye nokulinganisela ukudluliselwa kwemigangatho yama-APR ukusuka kuma-16.9 ukuya kuma-23.99 ekhulwini ngokubhekiselele kwi-creditworthiness. Impumelelo ye-APR isingama-25.99 ekhulwini. Ukudluliselwa kwemali kuhlawuliswa intlawulo ye-$ 5 okanye iipesenti ze-5 kunye nokunyuka kwemali kuhlawuliswa i-$ 10 okanye i-5 ekhulwini.
Njengawo wonke umvuzo wamakhadi-ngetyala, kufuneka uhlawule imali yakho ngokugcwele kwaye ugweme ukunyuka kwemali ukuze ungabhataleli umrhumo owongezelelweyo kunye nemirhumo.
Akukho mali yokuthengiswa kwamanye amazwe.
Eyona nto ayikho yohambo lweeNyanga zonyaka: i-Blue Delta Skymiles i-American Express
I-Blue Delta Skymiles I-American Express ihlawula iilidi ezili-10 000 zebhonasi emva kokwenza i-$ 500 ekuthengeni okuvumelekileyo kwiinyanga ezintathu zokuqala zokuvula ikhadi lakho lekhredithi. Qaphela ukuba awukwazi ukufumana ibhonasi yokubhalisa ukuba unayo enye i-Delta Skymiles kwikhadi lesikweletu.
Abanikazi bamakhadi bafumana iililesi ezili-2 ngeedola ngokuthenga kwiivenkile zase-US, ii-2 ezili-dollar kwi-Delta ukuthenga, kunye ne-1 mile nge-dollar kuzo zonke ezinye izinto ezithengiweyo. Ezinye izinto zokuthenga ivenkile zingenakufanelekela ukufumana umvuzo we-2, umz.
Njengomgcini wekhadi, uya kufumana i-20 ekhulwini lokugcina imali ekuthengeni kwe-flight. Ukulondolozwa okwenziwe ngendlela yekhredithi yesitatimende.
Ukuba uvunyiwe ngenani le-akhawunti yecala (ngokusekelwe kobuchule buka-Amex ukuqinisekisa ubungqina bakho), uza kufumana umgca wancinci we-$ 1,000 we-credit kwi-Delta.com.
Intlawulo : Akukho ntlawulo yonyaka. Ukuthengwa kunye nokulungiswa kwemali ku-APR kuku-16,74 kweepesenti ukuya kuma-25.74 ekhulwini. Imali engaphambili yamaphesenti ama-APR wama-26.24. Ukudluliselwa kwemali kuhlawulwa intlawulo ye-$ 5 okanye iipesenti ze-3 kunye nokunyuka kwemali kuhlawulwa intlawulo ye-$ 5 okanye i-3 ekhulwini. Imali yokuthengiswa kwamanye amazwe engama-2.7 ekhulwini.
Eyona ndlela ihamba phambili kubathengi: Ikhadi lokuTyikitya leVisa le-Visa lika-Prime Prize ye-Amazon
Uphononongo lwemikhuba yokuchitha iminyaka eyi-millennial kubonisa ukuba isizukulwana sinomdla wokuchitha imali kwiingubo. Umthengisi wabo ozithandayo, i-Amazon. Oko kwenza iKick Signature ye-Visa ye-Visa ye-Prime Prizes ikhethe kakhulu.
Xa uvunyiwe, uza kufumana i-$ 60 Amazon Gift card. Akukho mfuneko yokuchitha imali kwaye akudingeki ulinde iintsuku ezingama-90 ukuze ufumane ibhonasi. Ekubeni ikhadi lakho linxulumene ne-akhawunti yakho ye-Amazon.com, ungaqala ukusebenzisa ikhadi lakho lekredit ngokukhawuleza xa uvunyiwe.
Iintengo ezenziwe kwi-Amazon.com zifumana iipesenti ezingama-5 ngelixa unelungelo elifanelekileyo lokubaluleka kwe-Amazon kunye ne-akhawunti ye-Amazon.com evulekile. Ngaphandle koko, ukuthengwa kwe-Amazon.com kufumana iipesenti ezi-3 emva. Abanikazi bamakhadi banokufumana iipesenti ezi-2 kwiindawo zokutyela, izitishi zegesi, kunye nezikhululo zamachiza; kunye neepesenti eziyi-1 emva kokuthenga konke.
Unako ukuhlawula umvuzo kwii-Amazon.com. Ayikho ibhalansi yembuyekezo ebalulekileyo ekufuneka ihlawulelwe.
Ezinye iintlawulo ze-Amazon.com Prime Rewards I-Visa Signature Card ziquka ukuhamba nokuncedisa uncedo olukhawulezileyo, ukuhlawulelwa kwemithwalo elahlekileyo, ukukhuselwa kokuthenga, kunye nokukhuselwa kwesiqinisekiso somqinisekiso.
Ixabiso : U-APR ukuthenga kunye nokuhanjiswa kwemali ku-15.24 kweepesenti ukuya kuma-23.24 ekhulwini. Ukuqhubela phambili ngemali, i-APR ibe ngama-25.99 ekhulwini. Intlawulo yokudluliselwa kwemali i-$ 5 okanye iipesenti ze-5 kunye nentlawulo yemali ye-cash progress is $ 10 okanye ama-5 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
Eyona ndlela ilungele ukulula: iKhadi leCash Double Cash Card
Iwaka leeMillennials ezifuna ukuyigcina zilula kwaye zivuzwa ngokuthenga kwazo, ziya kwenza kakuhle ngeKhadi leCash kabili yeCash. Ikhadi ihlawula ipesenti ezi-1 kwimbuyekezo kuyo yonke intengo kwaye enye enye ipesenti njengoko uhlawula ibhalansi yakho. Akukho enye ikhadi lekhredithi inika isikhuthazo sokuhlawula kwikhadi lakho lesikweletu.
Ukuba ukhe ukhohlwe ngokukhawuleza ukwenza inkokhelo yekhadi lesikweletu, i-Citi iya kushiya imali yokuqala yokugqibela. Emva koko, unokuhlawulwa umrhumo wexesha elide ukuya kuma-38. Uya kuba neCiti Private Pass, enika ufikelelo olukhethekileyo kwiikitikiti zomcimbi, njengamathikithi e-presale amakhonsathi. Kwaye, nge-Citi Price Rewind, uza kufumana ukulungiswa kwexabiso ngokuzenzekelayo ukuba intlawulo yehla into oyithengileyo ngekhadi lakho lesikweletu kwiintsuku ezingama-60 ezedlulileyo.
Ikhadi leCash kabini yeCash ine-intro ye-0 yepesenti yokuhambisa ibhalansi kwiinyanga ezili-18. Emva kwexesha lokukhushulwa , ukutshintshwa kwemali ye-APR i-14.49% ukuya kuma-24.49 ekhulwini. Ukutshintshela ibhalansi yinto ephezulu ye-perk, kodwa ekubeni ukutshintshwa akuyi kuzuza imivuzo, kulungile ukusebenzisa le khadi ukuthenga ohlawula ngokupheleleyo ngenyanga.
Ixabiso : I-APR rhoqo i-14.49 yeepesenti ukuya kuma-24.49 ekhulwini kunye ne-APR yangaphambili ye-cash is 26.24 ekhulwini.
Ukuzikhusela: Iimpawu zamakhadi zetyala ziya kutshintsha. Ukutyelela i-website yomkhupheli wekhadi lokuthenga ngetyala ngeyona mivuzo enomhla kunye neenkcukacha zexabiso.