I-USAA Iikhadi leMatyala kuMalungu aseMpi
Umbutho we-United States Automobile Association okanye i-USAA yi-FDIC-yeziko lemali elikhuseliweyo elibonelela ngeenkonzo ezahlukeneyo zemali kumalungu enkonzo. Phakathi kwale nkonzo kukho iindidi zeekredithi zamakhadi.
Ama-credit card ase-USAA anomdla omkhulu, kodwa ibhanki ikwabonelela ngemilinganiselo ekhethekileyo yenzalo ephantsi kunezo zifunwa yi-Servicemembers Relief Relief Act. Amalungu eNkonzo anandipha ii-4 pesenti i-APR ukuya kwiinyanga ezili-12 ngexesha lokuthunyelwa okanye i-PCS. Ukuba kukho ibhalansi kwi-akhawunti ekhoyo ngexesha lokungena emsebenzini osebenzayo, fumana ama-5 eepesenti ngomhla we-APR kwi-balance kuze kube ngumnyaka omnye emva kokugqiba umsebenzi osebenzayo.
Eyona ndlela ihamba phambili kwiRhafu yeRhafu
I-USAA Imivuzo yokuhlawula imali kunye ne-American Express: I-USAA Imbuyekezo yemivuzo Ngaphezu kwe-American Express yinto enhle kumalungu omkhosi afuna ukufumana umvuzo wemali kwikhasi lekhredithi.
Ikhadi ihlawula iipesenti ezingama-5 kwi-cashback yokuqala kwi-$ 3,000 yokuqala kwi-gesi kunye nokuthengwa kwezixhobo zempi ngamnye ngonyaka; Iipesenti ezi-2 kwi-$ 3,000 yokuqala kwiintengiso ezithengiswa ngonyaka; kunye ne-1 ekhulwini elingenamkhawulo imali yokubuyisela yonke into.
Ukuthengwa kweGesi kunye nokuthengwa ngokwemigangatho yonyaka kuhlawulelwa ipesenti ezili-1 kwiseleyo yonyaka kwaye umyinge uthengisa ekuqaleni konyaka wekhalenda ozayo. Akukho ntlawulo yonyaka kwi-USAA Cashback Rewards Plus i-American Express.
Uguquko olutshintshayo lwe-APR ukuthenga, ukuhanjiswa kwemali, okanye ukunyuka kwemali phakathi kwama-12,9 ekhulwini kunye ne-26.9 ekhulwini ngokubhekiselele ekutyala kwakho.
Akukho nto isohlwayo ngo-APR, akukho ntlawulo ye-transaction yangaphandle , kunye nokutshintshwa kwemali kunye nokuhlawulwa kwemali kwangaphambili kuya kuma-3 ekhulwini.
Abanikazi bamakhadi bathola ezinye iipaki kunye neenzuzo kubandakanya iwaranti enwetshiwe, umonakalo womonakalo owenziwe ngumbango ohlawula umonakalo kunye nokubiwa kweemoto ezininzi zokuqeshisa, kunye nokuxanduva lokukhwabanisa.
Eyona nto ifanelekileyo kwiNqanaba leNzala elingaphantsi
USAA I-Rate Advantage Platinum Visa: Ukuba ufuna ukunyusa umyinge kwizinga elincinci lomdla, i-USAA Rate Advantage Platinum Visa iphelele. Abafakizicelo abafanelekileyo banokufumana umyinge wenqanaba eliphantsi ukuya kuma-7.90 ekhulwini kungekho mali yonyaka. Ukufaneleka kwexabiso eliphantsi kakhulu lenzalo liya kufuna ukuba ube nepalati efanelekileyo yekhredithi. Hlola umvuzo wakho wekhredithi ngaphambi kokuba ufake isicelo sokulinganisa amathuba okufumana umyinge ophantsi. I-APR rhoqo ikwazi ukuphakama ngamaphesenti angama-24.90.
Akukho nhlawulo APR, oku kuthetha ukuba inzala yakho ayiyi kunyuka xa uhlaselwa kwiintlawulo zekhadi lakho lesikweletu.
Ukudluliselwa kwemali kunye nentuthuko yemali ihlawuliswa umrhumo we-3 ekhulwini wexabiso lokudlulisela ukuya kuma-200 aphezulu. Inkokhelo yokunyuka kwemali iyakususwa xa udlulisela imali kwi-akhawunti ye-USAA.
Akukho mali yokuthengiswa kwamanye amazwe, oku kuthetha ukuba leli khadi lingasetyenziselwa amazwe ngamazwe ukuthengwa kwezinye iirhafu ngaphandle kokufaka imali eyongezelelweyo.
Eyona ndlela ilungele ukuKwakha okanye ukuKhuthazwa kwakhona
I-USAA I-Visa ekhuselekile: Amalungu amabutho kunye neentsapho zabo ezifuna ukwakha okanye ukwakha i-credit yabo bangasebenzisa i-USAA Visa Safe. Ikhadi lekhredithi elikhuselekileyo lifuna ukugcinwa kwekhuseleko malunga nomda wesikweletu. I-USAA Visa ekhuselekile ikuvumela ukuba wenze idiphozi yokukhusela ukusuka kwi-$ 250 ukuya kwi-5,000 kwi-limit yakho yemali. Ukhuseleko lwakho luya kwi-i-USAA yasebhanki isatifikethi semirhumo yezinga lokutshintsha.
U-APR ukuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali ngu-10,90 ekhulwini ukuya kuma-20.90 ekhulwini ngokubhekiselele ekubolekeni kwamatyala. Akukho sikhotho ku-APR, ngoko ke inzala yakho ayiyi kunyuka xa usemva kwiintlawulo zekhadi lakho lesikweletu.
Imali yonyaka i-$ 35, eyinto eqhelekileyo kwikhadi lekhredithi elikhuselekile. I-USAA ingaba nokukulungele ukuhlawula imali yonyaka xa ucela.
Ukudluliselwa kwemali kunye nokunyuswa kwemali kuhlawuliswa imali ukuya kuma-3 ekhulwini. Inkokhelo yokunyuka kwemali iyakususwa xa udlulisela imali kwi-akhawunti ye-USAA.
Mhlawumbi ibaluleke ngakumbi, imbali yakho yekhadi lesikweletu echazwe kwi- freeaus enkulu yekhredithi , encedayo ukwakha okanye ukuvuselela amanqaku akho okweleta ngetyala xa nje usebenzisa ikhadi lakho lekhredithi ngokufanelekileyo.
Ngubani Ongabhalisa i-USAA? Ukumisela ubulungu be-USAA-kwaye usebenzise enye yamakhadi-kredithi e-USAA-omnye kufuneka abe:
- Umkhosi osebenzayo
- Umkhosi wamandulo (ukuhlonishwa okuhloniphekileyo)
- Umhlolokazi, umhlolokazi, okanye umntu ongatshatanga naye wesinye isiqabane sombutho we-USAA ojoyina i-USAA ngaphambi okanye ngexesha lomtshato
- Umntu obazali bakhe bajoyine i-USAA
- I-cadet kwi-ROTC ephakamileyo okanye kwi-ROTC, kunye nabaviwa begosa kwiinyanga ezingama-24 zokuthunyelwa
Ikhadi leTyala eliPhambili
Ikhadi lesiginesha se-PenFed Platinum: I-PenFed Platinum Rewards I-Visa yeSayinari Ikhadi ihlawula ingongoma ekuthengeni. Ufumana amaqaku angama-5 ngeedola ngokuthengwa kwegesi kunye namanqaku amathathu kwi-dollar kwimpahla yokuthengisa kuquka nokuthengwa kwezinto zokuthengwa ezenziwe kwii-commissary. Zonke ezinye izinto ezithengiweyo zifumana enye inqaku nge dollar. Emva kokuba unayo ikhadi, ubhalise ngokuzenzekelayo kwinkqubo yomvuzo; akukho mfuneko yokubhalisa ukuze ufumane imivuzo.
Njengoko ibhonasi yokubhalisa, uya kufumana i-credit 100 statement statement xa uchitha i-$ 1,500 kwiintsuku zokuqala ezingama-90.
Akukona nje kuphela ukuba ikhadi liza nembuyekezo emihle, libuye libe ne-0% yepesenti yokupapasha yokuPasa kwi-balance transfers kwiinyanga ezili-12 zokuqala. Isaphulelo sokunyusa sisebenza kuhanjiso olwenziwe phakathi kwe-Oktobha 1, 2017 noDisemba 31, 2017. Ukutshintshwa okwenziweyo emva kwexesha kufumana i-APR rhoqo.
Akukho mrhumo wonyaka okanye imali yokuthengiswa kwamanye amazwe, inzuzo enkulu kubahambi. I-APR rhoqo ukuthenga kunye nenkqubela yemali iphuma kwi-9.74% ukuya kwi-17.99 ekhulwini ngokumalunga nokuthenga kwakho. Isohlwayo sika-APR ngama-17.99 ekhulwini.
Ukuba udlulisela ibhalansi kwikhadi lesikweletu, uya kuhlawula umrhumo wokubhalwa kwemali we-3 ekhulwini yemali yokuthenga.
Ngubani onokujoyina i-PenFed? Kukho iindlela ezininzi zokujoyina i-PenFed credit union. Kumalungu omkhosi, kufuneka ube ngumhlali osebenzayo okanye ohlala phantsi waseMelika kunye neNkonzo yeNkonzo engafanelekanga, okanye isihlobo okanye umntu ohlala naye.
I-Best Rate Rate Imbuyekezo yeKhadi leMboleko
Iimali zemivuzo yemali ye -Navy Federal Visa: I- Visa ye -Navy Federal Cash Rewards Visa igcina ilula. Abanikazi bamakhadi bathola ipesenti eziyi-1.5 ze-cashback kuzo zonke iintengo. Oko kuthetha ukuba ufumana iRandi 1.50 nganye i-$ 100 ekuthengeni kwakho ngekhadi lesikweletu. Sebenzisa imali eyi-1 000 ngenyanga kwaye ufumane i-$ 180 kumvuzo wesikhadi lesikweletu ekupheleni konyaka. Akukho mivuzo yomvuzo okanye ubhaliso lwekota olufunekayo ukufumana imivuzo.
U-APR ukuthengwa kunye nokuhanjiswa kwemali kuya kuba phakathi kwe-16.65 yeepesenti kunye neepesenti ezingama-18.0 kuxhomekeke ekutyala kwakho. I-APR iqhubela phambili ngemali engaphezulu kweepesenti ezi-2 ngaphezu kokuthengwa kwe-APR, kodwa ixhaswe kuma-18 ekhulwini. (Le nto ayithengi kakhulu kwi-APR yangaphambili.)
Unenkqubela yokuhlawula imali encinci yentlawulo ye-2 ekhulwini ye-balance balance yakho okanye i-$ 20, nayiphi na enkulu.
Akukho mrhumo wonyaka, akukho mali yokudlulisela imali, kwaye akukho ntlawulo yokuthengiswa kwamanye amazwe. Akukho mali yokunyuka kwangaphambili kwemali ukuba ukuqhubela phambili kwenziwa kwisebe le-Navy Federal Credit Union. Intlawulo engekho ye-NFCU yenkcitho ihlawuliswa ukuya kwi $ 1.00 intlawulo ye-ATM yangaphandle.
Ngubani onokujoyina i-Navy Federal Union Union? Amalungu oMkhosi, i-Air Force, i-Marine Corps, i-Coast Guard, i-Navy okanye i-Army okanye i-Air National Guard ilungele ukuba ngamalungu e-Navy Federal Credit Union. Uyakufanelekela ukuba unelungu leentsapho elisondeleyo ilungu leNavy Federal okanye umntu ovumelekile ukuba abe nobulungu be-Navy Federal.
Iipeksi zamaMkhosi kuzo zonke iiKhadi zeNtengo
UMthetho woMbutho woLuntu woLuntu uchaza ukukhuselwa kwemali yabasebenzi bemikhosi kunye neentsapho zabo ngelixa abasebenzi bexanduva olusebenzayo okanye besetyenziswe. Iimali ezihlawulwa ngetyala phambi kokuba umsebenzi osebenzayo uthathwa kwipesenti ezingama-6 ngelixa i-servicemembers ikwazisa ababolekisi beendawo zabo zokusebenza ngokubhaliweyo.