Uninzi lwamakhadi-mboleko ahlawule umrhumo xa uthengwa kwenye imali. Imali yokuthengiswa kwamanye amazwe ngokuqhelekileyo ijikeleze iipesenti ezi-3 zerhafu yokuthengiselana kwaye inokuhlawulwa xa wenza ukuthengwa kwe-Intanethi kumazwe aneminye i-currencies. Unokuyiphepha le ntlawulo ngokufumana imali engekho yamanye amazwe.
Ukuba uceba ukuhamba ngamazwe ngamazwe, ukuba nekhadi lesikweletu elingayi kuhlawulwa iintlawulo ezongezelelweyo zokuthenga ozenzayo kwilizwe lakho lokuya kuyo kunokukugcina imali eninzi.
Khangela into engcono yeyona ntlawulo yamanye amazwe.
Eyona ndlela ihamba phambili yokufumana imivuzo: Khangela i-Sapphire ekhethiweyo
Kuzo zonke iindleko zokuhamba ngamakhadi-mboleko ngaphandle kwemali yokuthengiswa kwamanye amazwe, i-Chase Sapphire ekhethiweyo inikezela ngembuyekezo ephezulu kunye nokubhaliselwa ibhonasi kwintlawulo yonyaka onokuyihlawula kwikhadi lekhredithi.
Chase Sapphire okhethwe njengamanje unikezela ibhonasi yokubhalisa i-50,000 kubanini bamakhadi abatsha abasebenzisa i-$ 4,000 ekuthengeni kwiinyanga ezi-3 zokuqala ukususela kwi-akhawunti. Ibhonasi yokubhalisa ixabisa i-$ 625 yeeRhafu xa uyihlawulela ngokuShawula iMvuzo emihle. Unokufumana amaqhosha amabhonasi angaphezulu ama-5 000 xa ungeze umsebenzisi ogunyazisiweyo kwaye wenze iinyanga ezintathu zokuthenga kuqala ukuvula i-akhawunti yakho.
Uya kufumana amanqaku angama-dollar kwinqwelo yokuhamba kunye nokuthenga ukutya kunye nenqaku eli-1 nge dollar kuyo yonke into. Hlawulela umvuzo wakho kwihambo nangaliphi na ixesha. Amaphuzu akho axabisa ngaphezulu kweepesenti ezingama-25 xa ubahlawulela ngokuShawula iMiphumo e-Ultimate ye-airfare, iihotele, ukuqashisa imoto, kunye nokuhamba.
Ixabiso elibalulekileyo : I-APR rhoqo i-16.99 iphesenti ukuya kuma-23.99 ekhulwini kwaye imali engama-$ 95 yonyaka ikhutshwe ngonyaka wokuqala.
Eyona ndlela ihamba phambili kwiMali yokuBala emva kweMali: Yifumene
Ithuba lokufumana ama-5 eepesenti yemali yokubuyisela imali kunye ne-0% yexesha elide lokuqalisa I-APR, yenza ukuba kufumaniswe imali enkulu yokuthengiswa kwamanye amazwe.
Xa uyifumanisa, uza kufumana ama-5 ekhulwini ukuya kuma-1,500 e-intengo ekuthengeni kwiindidi ezijikelezayo nganye kwikota. Qinisekisa ukuba ubhalise kwi-bonus ye-5 yeepesenti inzuzo nganye kwinqanaba ngalinye ukwenzela ukuba ukuthenga kwakho kubalwe kwibhonasi. Zonke ezinye izinto ezithengiweyo zifumana i-1 pesenti yemali. Kubanini bamakhadi amatsha, Ukukufumanisa kuya kufana nokutshatyalaliswa ngokuzenzekelayo yonke imali eyi-cashback oyifumana kunyaka wokuqala, idola ngemali.
Ngaphezulu kwemali yokubuyisela imali, Qaphela ukuba inikezela ezinye izinto ezincinci. Ukuyikhupha kwi / ukucima itshintsho kukuvumela ukukhusela abasebenzisi abangagunyazisiyo ukusebenzisa ikhadi lakho lesikweletu. Uyakukwazi kwakhona ukufumana amanqaku akho kwiFICO kwi- statement yakho yenyanga yokuhlawula .
Ixabiso elibalulekileyo : Jabulela i-APR yesithuba seenyanga ezili-14 kwintetho yokuthenga kunye nokuhanjiswa kwemali. Emva koko, i-APR rhoqo i-11.99% ukuya kuma-23.99 ekhulwini. Akukho ntlawulo yonyaka.
I-Airline ehamba phambili: Citi AAdvantage Platinum Khetha i-World Elite MasterCard
Emva kokudibanisa ne-US Airways American Airlines yaba yiyona nto inkulu kakhulu ye-North American Airline ngokubhekiselele kwiimoto, abagibeli abaphetheyo, kunye namaziko amakhulu kwizixeko. Kuyaqondakala ukuba ikharity credit card yayo, i-Citi AAdvantage Platinum Khetha i-World Elite MasterCard, yafika kwiluhlu lwethu lwezona zinto zingcono zokuthenga iintlawulo zemali zekredithi.
I-Citi AAdvantage Platinum Khetha i-World Elite MasterCard ihlawula iiligidi ezingama-60 000 zebhonasi xa wenze imali eyi-3,000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuvula i-akhawunti yakho.
Ukuthengwa kwakho kuzuza i-2 AAdvantage mayela kuyo yonke idola echithwe kwi-American Airlines yokuthenga kunye ne-1 AAdvantage mile kuyo yonke idola eyichithwa kwezinye izinto. Uza kufumana iipesenti ezili-10 zeekhilomitha zakho ezikhululiwe emva ngamnye wekhalenda unyaka kunye nekotya yeekhilomitha ezili-10 000.
I-Citi AAdvantage Platinum Khetha i-World Elite MasterCard ikunika ukufikelela kwiibhodi eziphambili kwaye ikuvumela ukuba ukhangele isikhwama sakho sokuqala mahhala. Uza kusindisa ipesenti ezingama-25 kwiindawo zokutya kunye nokusela xa usebenzisa i-credit card yakho yokuthenga.
Intengo ebalulekileyo : I-APR i-17.24 iphesenti ukuya kuma-25.24 ekhulwini. Imali ye-$ 95 yonyaka ikhutshwe ngonyaka wokuqala.
Eyona ndlela ihamba phambili ngeMali-mboleko encinci: I-Capital One Classic Platinum
I-Capital One Classic Platinum inkulu ukuba ungekhredithi kwaye ukhangele ikhadi lesikweletu elingahlawulisi imali yokuthengiswa kwamanye amazwe.
I-Capital One ingomnye wabaniki bamakhredithi abambalwa abangahlawulanga iimali zokuthengiswa kwamanye amazwe nakweyiphi yamakhadi ekwereta.
Ukusetyenziswa kwekhadi lakho lokuthenga ngetyala kuya kuhlawula ngendlela enkulu. I-Capital One iya kukunika umlinganiselo wokunyuka kwesikweledu ngokuzenzekelayo xa wenza iintlawulo zakho zokuqala ezintlanu ngenyanga. Unenketho yokukhetha usuku lwakho olulungele ukwenza kube lula ngakumbi ukwenza iintlawulo zakho ngexesha.
Ixabiso elibalulekileyo : I-APR yokuthenga i-24.99 epesenti kunye nentlawulo yonyaka i-$ 0.
Eyona nto ibhetele kwiNgxowa-mali engalunganga: i-Capital One eVikelekileyo i-MasterCard
Ukuba nekhredithi engalunganga ayithethi ukuba awukwazi ukufikelela kwikhadi lekhredithi ngaphandle kwemali yokuthengiswa kwamanye amazwe. I-Capital One i-MasterCard ekhuselekile kulula ukufumana imvume yokuba unetyala elibi ngenxa yokuba ikuvumela ukuba wenze imali ekhuselekayo yokugcina i-$ 49, i-$ 99 okanye i-$ 200 ukuze ube ngumyinge we-200 wemali. Imbali yakho yekhredithi inquma ukuba ufanelekile enye yexabiso le-deposit ephantsi. Ukuba ufuna umda wesikweletu, unokwenza ukhuseleko olongezelelweyo lokunyusa ukunyusa umda wakho wokuqala wokuthenga ngetyala ngaphambi kokuba i-akhawunti yakho ivule.
Yenza iintlawulo zakho zokuqala zenyanga ezintlanu ngexesha kunye ne-Capital One iya kukuqwalasela ngokunyuka komlinganiselo wesikweletu. Awuyi kuba neyongezelelweyo yokhuseleko lokuposa ukuze ufumane ukwanda.
Intengo ebalulekileyo: I-APR i-24.99 iphesenti kwaye akukho ntlawulo yonyaka.