Kodwa ezinye iimpawu zekhadi lesikweletu kunye neenzuzo ziza neendleko ezifihliweyo kunye neentlawulo ezingasongela uhlahlo lwabiwo-okanye kukubangela ukuba ulahlekelwe ngaphezu kweenzuzo. Nazi ezinye iintlobo ezinhlanu ezifunekayo abantu abaninzi.
Ukuhlolwa kweKhadi leKhadi lokuThengwa:
Ezi zixhobo zokuhlola ezingenanto ozifumanayo kumkhangeli wakho wekhadi-mboleko zinokubonakala zikhangeleka-ngakumbi xa zipapasha i-0 yeepesenti zekota-APR zinikezela ngokutshintshela ibhalansi.
Kodwa cinga kabini ngaphambi kokuwasebenzisa. Ukuhlola okuqhelekileyo kudla ngokuza kunye namaxabiso amaninzi kunye nemirhumo. Ngokomzekelo, ukuba usebenzisa iteksi ukuhlawula iibhili okanye ukwenza imali kwi-bhanki, unako ukuhlawula ukuhlawula imali phambi kwe-APR ngokuphakamileyo kuma-25 ukuya kuma-36 ekhulwini, kwaye unokuhlawulwa intlawulo yokuthengiselana. Ngokufanayo, ukuba usebenzisa iitshekitshini zokudlulisela ibhalansi ukusuka kwelinye ikhadi, inzala-mrhumo, kuya kufuneka ukuba ukhokhe imali yokudlulisela imali ephakamileyo njengama-3 ukuya kuma-5 ekhulwini.
Ukunyuka kweengxowa-mali ze- ATM:
Ukusebenzisa ikhadi lakho lesikwerethi ukurhoxisa imali kwi-ATM yinto engalunganga. Abanye abahlawulwa ngekhadi lokukhishwa kwekhadi kunokuba baninzi ukurhoxisa imali kwi-ATM kunokuba bahlawule ukuba basebenzise ukuhlola okulula. Umzekelo, umniki-mali unokuhlawulisa intlawulo ye-3 yepesenti yemali yokuthengiswa kwangaphambili xa usebenzisa isheke, kodwa uhlawule umrhumo we-5% wemali yokuthengiselana ukuba udibanisa imali kwi-ATM. Kuya kufuneka uhlawule imali ephezulu yokupasa i-APR xa uqhuba ixabiso oboleke ngalo.
Ungalindelanga ukuhlawula umrhumo omncinci xa uqala ukurhoxisa imali encinci, njenge-$ 20, nokuba. Abaxhasi bahlawula ubuncinci be-$ 10 kwimirhumo yokuthengiselana, okanye ama-3 ukuya kuma-5 ekhulwini kwi-transaction epheleleyo, nawuphi na umlinganiselo omkhulu.
Ukutshintshwa kwe-Balance Transfers:
Ukutshintsheliswa kwepesenti ye-zero kunye nexesha elide lokuphromotha lingakusindisa imali ukuba unetyala elikhulu lokunciphisa, ukuvumela ithuba lokuhlawula ityala lakho ngaphandle kokwakha inzala eninzi.
Kodwa le migangatho yokudluliselwa kwemali ihlawulisa intlawulo, kwaye ukuba ikhadi lakho lihlawulisa umrhumo ophezulu ngaphezu kwe-average - njengama-4 ukuya kuma-5 ekhulwini lokudluliselwa kwemali - ungakhokelela ukuhlawula ikhulu lamadola kwiimali ngaphambi kokufumana ithuba lokuba ukujongana nemali yakho. Uphucule ngaphandle kokukhangela ikhadi elingenakho ukuhlawula imali yokuthumela ibhalansi yokuqala, kodwa isinikeza ukukhushulwa, njenge-Barclaycard Ring MasterCard, i-BankAmericard Mastercard okanye ikhadi le-Chase Slate.
Umrhwebi kunye nemivuzo yeCard Card:
Amakhadi amaninzi amatyala anika iimpahla kunye namakhadi wesipho onokuthenga ngayo ngamaphuzu akho okuvuza. Kodwa khangela ukuze ukhangele ukuba ungasebenzisa amaphupha akho umvuzo onokubaluleka kokukhulula. Iimakethe kunye namakhadi wesipho zihlala zinexabiso elincinci kakhulu lokuhlengahlengiswa kuneminye imivuzo yamakhadi , njengokuhamba okanye ukubuyisela imali. Ngokuxhomekeke kumniki wakho wekhadi lokuthenga ngetyala, oko kuthetha ukuba amaphuzu emivuzo engama-50,000 anokukwazi ukuthenga amakhadi wesipho angama-350 ... okanye angaphezulu kwama-500 ayenayo amathikithi e-airline. Yinto elula, ke qiniseka ukuba wenza umsebenzi wesikolo kwaye wenze isiqinisekiso sokuthi ufumana imali yakho kumaphu akho.
Iiprogram zoTshintsho lweeKhadi:
Uyakufuna kwakhona ukuba uqaphele ngokudlulisela umvuzo wakho kwiphina ihotele okanye kwinkqubo yokunyaniseka kwendiza.
Amanye amakhadi ekhredithi akuvumela ukuba udlulisele amaphuzu akho kwisiseko esingu-1: 1, ngoko ungalahlekelwa yiphina ixabiso kumaphuzu owenze. Kodwa ezinye iinkqubo zokunyaniseka zenza ukuba uchithe amanqaku amaninzi ukuguqula umvuzo wakho kwinqanaba eliqhelekileyo le-airline okanye i-hotel rewards point point. Ukuba nje ufuna ukugqitywa kwamaphuzu okuthenga ithikithi okanye ukufumana ukuhlala kwehotele yamahhala, ukuhlamba ixabiso lamaphupha akho umvuzo wekhadi kunokuthi ulungele. Yenza nje izibalo ngaphambi kokuba uvumelane ukuguqula amaphuzu akho azuziweyo.