Xa ufaka isicelo kwikhadi lakho lekredithi yokuqala , kulula ukulahleka kwisixa esikhulu sokhetho olukhoyo kuwe. Iyona ntle yeyona ntlukwano yokuqala iyahluke ngokuxhomekeke kwindawo ohlala kuyo kunye neenjongo zakho zokusebenzisa ikhadi lekhredithi. Olu luhlu lweempawu zokuqala zekhredithi lokuqala lubandakanya ukhetho lwabafundi, abo bangenakhokhredithi , abadala kunye nabaninzi. Ukuba uzama ukukhetha ikhadi elikhulu lekredithi ngokokuqala ngqa, khangela enye ebhalwe apha.
Eyona ndlela ihamba phambili kubafundi: Yifumaneke kubafundi
Ukukufumanisa kwabafundi yikhadi elihle kakhulu lekharityhulam kubafundi bafumana ikariti yekhredithi ngokokuqala ngqa. Ikhadi lesikweletu lihlawula iipesenti ezi-5 zeemali ezibuyiswayo kwimbuyekezo eyenziwe kwiindidi ezijikelezayo nganye kwikota kunye ne-1 yeepesenti emva kwayo yonke into. Unako ukwandisa umvuzo wakho ngokwenza uninzi lweekhadi lakho lokuthenga ngetyala kwiiklasi ezi-5. Ekupheleni konyaka wokuqala, Ukufumanisa kuya kufana nayo yonke imali oyibuyisele yona, idola ngemali.
Ngaphezulu kwemiphumo, unokufumana imali engaphezulu kwama-20 emali xa ugcina iGPA ye-3.0 okanye ngaphezulu ngonyaka ngamnye ukuya kwiminyaka emi-5.
Intengo ebalulekileyo: Akukho ntlawulo yonyaka . Fumana i-0 yeepesenti yokuqala ye-APR ngeenyanga ezi-6. Emva koko, i-APR rhoqo i-13.99 iphesenti ukuya kuma-22.99 ekhulwini.
Eyona ndlela ibhetele kubantu abadala abakwi-Young: Capital One QuicksilverOne
Ukuthenga kwakho kwi-Capital One QuicksilverOne Imivuzo ifumana i-1.5 yeepesenti zemali.
Akukho zigaba zekota zokucinga ngazo kwaye akukho kubhaliswa okufunekayo ukufumana imivuzo.
Kubantu abancinci abadala, imali yokubuyisela imbuyiselo yenye yeyona ndlela ixhaphakileyo yimivuzo kwaye ngenxa yokuba i-Capital One QuicksilverOne ayifuni ikhredithi enhle kakhulu, amaxesha okuqala anengxaki engcono yokufumana imvume. Imbuyekezo yakho yokubuyisela imali ayiyi kuphinda iphele kwaye unako ukuhlawulela umvuzo wakho ngasiphi na ixesha.
Ekubeni yikhadi lakho lokuqala lokuthenga ngetyala, umlinganiselo wakho wokuqala wesikolodo awukwazi ukuphakama. I-Capital One izakuqwalasela ngokuzenzekelayo ukuba ukongezwa komda wentengo xa ukwenza iintlawulo zakho zokuqala ezintlanu ngenyanga.
Ixabiso elibalulekileyo: I-APR yokuthenga i-24.99 ekhulwini kwaye intlawulo yonyaka i-$ 39.
Eyona ndlela ilungeleyo kubafundi abaphumelele kwi-Recent Graduates: Chase Freedom
Abathengi abatsha be-Freedom Chase bafumana imali ye-bonus ye-$ 150 emva kokuchitha i-$ 500 ekuthengeni kwiinyanga ezi-3 zokuqala ukususela kwi-akhawunti. Emva koko, uza kufumana imali engama-5 ekhulwini kwi-$ 1,500 ekuthengeni okudibeneyo kwiindidi zebhonasi ezijikelezayo nganye kwikota (kufuneka usebenze ukuze ufumane imivuzo emihlanu). Uza kuzuza i-1 pesenti imali emva kwakho konke ukuthenga kwakho.
Ibhonasi yokuchitha kunye ne-0 yeepesenti ezinde I-APR yangethuba lokuqala lenza le khadi elikhulu lekredithi kubafundi abaphumelele abasanda kutshintshela ubomi ngaphandle kwekholejini nokuhlawula imali mboleko yabafundi okokuqala.
Ixabiso elibalulekileyo: Kukhona i-0% yeepesenti yokuqalisa ngeenyanga ezili-15 kokuthengwa kunye nokuhanjiswa kwemali . Emva koko, i-APR rhoqo i-15.99 iphesenti ukuya kuma-24.74 ekhulwini. Akukho ntlawulo yonyaka.
Eyona ndlela ihamba phambili kubahambi: iBhanki yaseMerika ihamba imivuzo yabaFundi
Abahambi baya kuxhamla kwiBhanki yeMerika yokuThumela imivuzo yabaFundi.
Ikhadi lesikweletu lihlawula ama-20,000 amanqaku ebhonasi xa uchitha i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuba nekhadi lesikweletu. Iibhonasi ezingama-20,000 zifanelekile kwi-statement ye-200 yeekhredithi malunga nokuthengwa kohambo olwenziwe kwikhadi lakho lesikweletu.
Ukuthenga kufumana iipalenti eziyi-1.5 nge dollar. Ukuba unayo i-akhawunti yaseBhanki yaseMelika yokujonga okanye yokulondoloza i-akhawunti, uya kufumana ibhonasi ye-10 yeepesenti kwimbuyekezo yakho. Imivuzo yakho inokukhululwa nayiphi na ixesha nayiphi na i-airline okanye i-hotele yokuthenga.
Njengee-perk ezongezelelweyo, unokufikelela kwisikolo sakho seFICO mahhala nge-Mobile Banking okanye kwi-banking. Umlinganiselo wakho we-FICO ngumlinganiselo wendlela owenza ngayo kakuhle ngekhredithi, kungekhona nje ngekhadi lakho lekhredithi yaseBhanki yaseMelika, kodwa nayiphi na enye i-akhawunti ye-credit, nawe umz.
Ixabiso elibalulekileyo: Jabulela ipesenti yentengo yesingeniso ye-0 kwiintengo zokuqala zokuhlawula i-12.
Emva koko, i-APR rhoqo i-15.99% ukuya kuma-23.99 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
Eyona nto ingcono ngeNgeniso: I-Capital One Classic Platinum
I-Capital One Classic Platinum ineembali yokuvuma abafaki zicelo abaqala nje ngekhredithi. Ngethuba nje unayo ingeniso yakho, iimpawu zakho zokufumana imvume kwikhadi lakho lokuthenga ngetyala lilungele kwaye akufanele ube ngumfundi ukuba avunywe. Njengoko i-Capital One Quicksilver enye, ukuba wenza iintlawulo zakho zokuqala ezintlanu ngeenyanga kunye ne-Capital One iya kukuqwalasela ngokunyuka komlinganiselo wesikweletu.
Ixabiso elibalulekileyo: I-APR yokuthenga i-24.99 epesenti kunye nentlawulo yonyaka i-$ 0.
Eyona ndlela ihamba phambili kubantu abafudukileyo: Bafanele u-Edu MasterCard
I-Edu MasterCard ifunwa yi-credit card yokuqala kubafundi abavela kwiindwendwe kunye nabemi basisigxina abangaba nenani lentlalo-ngokungafani nenani lamakhadi-ngetyala kwimarike ikhadi lesikweletu ayifuni ukuba inombolo yokhuseleko loluntu ivumeleke.
Emva kokuba uvunyiwe, i-Deserve Edu MasterCard iya kuhlawula imali ye-1 yeepesenti ezingenamkhawulo emva kwazo zonke izinto ezithengiweyo kwikhadi lesikweletu. Abafundi banokuyonwabela amahhala ama-Amazon kunye nabamalungelo okufumana iVidiyo, iMculo kunye nokufunda.
Emva kokusebenzisa i-Eerve MasterCard i-Eerve MasterCard ngokuhlakanipha, unako ukufumana i-Deserve Pro MasterCard. Oku kuhlaziywa kukhokhe i-3 yeepesenti zemali emva kokuhamba kunye nokuzonwabisa, iipesenti ezi-2 ezibuyela kwiivenkile, kunye neepesenti eziyi-1 emva kwazo zonke ezinye iintengo.