Gcina amakhadi ekredithi anike izaphulelo kunye nemivuzo yabathengi abathembekileyo. Ukuba uthambekele ukwenza izinto ezininzi ezithengiweyo kwisitolo esisodwa okanye ezimbini, ukuba nekhadi lekhredithi lakho le-wallet yakho kunokukunceda ugcine imali kwiinjongo zakho. Kwinqanaba elongezelelweyo, awudingi iikredithi ezigqwesileyo ukuba zivunywe ngamakhadi amaninzi eentengiso zemali, ngokukodwa ukusetyenziswa kwamakhadi ekhredithi esetyenzisiweyo esetyenziswe kuphela kwivenkile ethile.
Ngaphambi kokuba ukhethe ikhadi lesikredenti lesitokethi kwi-wallet yakho, yazi ukuba amakhadi okuthenga ngetyala ahlala ethwele inzala ephezulu ebonisa ukuba kufuneka uhlale uhlawula ibhalansi yakho ngokupheleleyo ukuze ungaphepheli umrhumo kwibhalansi yakho. Xa ikhadi lekhredithi yesitolo linikeza ukunyuswa okukhethekileyo kwenzalo, kuya kufuneka uhlawule ibhalansi epheleleyo ngaphambi kokuba ixesha lokuphromotha liphele. Ngaphandle koko, ikariti iya kwongeza inani elipheleleyo lemdla kwi-balance yakho.
Ngoku ukuba sifikelele izinto ezibalulekileyo, nantsi iindawo zokugcina iitaliti zemali ezinokubakho kwi-wallet yakho ngo-2018.
Eyona ngcono yokuthengwa kwe-Intanethi: I-Amazon Prime Store Card
Ngekhadi lokuqala le- Amazon ye-Store , uza kuthunyelwa ngeentsuku ezimbini nge-Amazon Prime Membership yakho, kunye nokufumana i-5% kwi-Amazon.com yakho yonke. I-Amazon yokuqala yobulungu i-$ 99 ngonyaka, ngoko ke xa usebenzisa imali engaphezu kwama-2,000 kwi-Amazon.com ukuthenga unyaka ngamnye, i-5% yeepesenti zemali ebuyisiwe iyafuneka. Iintlawulo zihlawulwa ngokuzenzekelayo njengengxelo yekhredithi.
Fumana ukufikelela kwiimali ezizodwa ngokuxhomekeke kwisixa sakho sokuthenga. Fumana iinyanga ezi-6 zemali ezizodwa ekuthengeni i-$ 149 okanye ngaphezulu, iinyanga ezili-12 ekuthengeni i-$ 599 okanye ngaphezulu, iinyanga ezingama-24 ekukhetheni izinto ezithengiswa nge-Amazon, kunye neenyanga ezili-12 ezilinganayo kwiimpahla ezikhethiweyo ze-Amazon. Ngomvuzo olinganayo, unako ukwenza iindleko ezili-12 ezilinganayo zenyanga kwizinto ezithile.
Qaphela ukuba kufuneka ukhethe ukufumana imali engama-5 eepesenti okanye ufumane imali ekhethekileyo, awukwazi ukufumana zombini. Ngenxa yokuba ikhadi lesikredithi lesitolo kwaye ayikho ikhadi lekhredithi echanekileyo, ungasebenzisa kuphela ikhadi kwi-Amazon.com ukuthenga.
Intengo ebalulekileyo : I-APR i-25.99 iphesenti kwaye akukho ntlawulo yonyaka .
Eyona ndlela ihle kakhulu kwiingubo: iKhadi leKhadi lokuTyala
Isitolo seSebe laseKohl yindawo enkulu yokuthenga iimpahla zentsapho. Uza kufumana ipesenti ezingama-25 ekuthengeni kwentlawulo yakho yokuqala yeKoehl kunye nezinye iipesenti ezili-15 xa ikhadi lakho lifika ngeposi. Njengenzuzo ekhethekileyo, uya kufumana ukunikezelwa kwezi-12 ezizodwa ngonyaka. Yaye ukuba uthe wachitha i-$ 500 kwi-Kohl yakho yokuhlawulwa, uya kuba ngumthengi oxabisekileyo kakhulu kwaye ufumane i-annoti 18 ngonyaka.
Ngokuqhubekayo, uya kufumana enye Ewe2Imivuzo ichaza yonke idola oyichitha kwi-Kohl's Charge kunye ne-$ 5 imivuzo yazo zonke iingongoma ezili-100 oziqokelelayo. Ngaphezulu, uya kufumana isipho sokuzalwa kunye nezinye izinto ezimangalisa nje ngokuba ungumnikazi wekhadi.
Ixabiso elibalulekileyo : I-APR i-24.99 iphesenti. Akukho ntlawulo yonyaka.
Iinjongo eziPhambili eziPhambili: I-REDCard ejoliswe kuyo
Abathengi abathengi banokufumana zonke izinto ezifunekayo kwansuku zonke kwaye bagcine ama-5 ekhulwini. Nge-REDCard ejoliswe kuyo, uza kusindisa ama-5 ekhulwini kwiintengo zeTget and Target.com ngalunye usuku (ezinye izinto ezingabandakanywayo), nakwi-store store ye-Starbucks.
Uya kunandipha ukuthunyelwa kwamahhala kwizinto ezininzi ezithengiswa kwiTalget.com.
Ukudibanisa ikhadi lakho ngeCartwheel, i-app ye Target ye-Target yokugcina ngaphezulu ukuya kuma-50 ekhulwini kwizinto ezinokugcina. Ngaphezulu, fumana iintsuku ezingama-30 ukubuyisela izinto ozithengile kwiTgetget and Target.com.
Intengo ebalulekileyo : I-APR i-23.90 ekhulwini kwaye akukho ntlawulo yonyaka.
Eyona ndlela ilungele ukuphucula ikhaya: iKhadi leNzuzo yeLowe
Ukuba unkulu ekuphuculeni ikhaya, iKhadi le-Advantage Card lilikhadi elihle lokuba nalo. Uzakufumana ama-5 ekhulwini ekuthengeni kwakho uLowe nsuku zonke. Okanye, ukuba uthengela iimveliso zeprojekthi, unokukhetha ukufumana iinyanga ezili-6 zemali ekhethekileyo kunokuba uhlawule ipesenti ye-5. Uya kufuneka wenze ubuncinane ubuncinane bee-299 zokuthengwa ukuze ufumane iinyanga ezi-6 zeemali ezikhethekileyo. Ukuba unayo iphrojekthi ephakamileyo kwixabiso le-$ 2,000 okanye ngaphezulu, unokucela ukunciphisa i-APR inkxaso ye-36, 60, okanye iinyanga ezili-84.
Unokucela i-$ 30 ekuthengeni kwakho kokuqala xa ufaka isicelo seKhadi leNzuzo yeLowe kwisitoreji kwaye uyavunywa. Kwiimeko apho isaphulelo sama-5 ekhulwini singaphezu kwe-$ 35 ekuthengweni kwakho kokuqala, eso saphulelo siya kusetyenziswa.
Intengo ebalulekileyo : I-APR i-26.99 yepesenti kwaye akukho mali yonyaka.
Eyona ndlela ihamba phambili kumaClub aMaThengi: iCoCoCo Naphi iVisa
Kubathengi beblaki ngokubanzi, i-CostCo Naliphi iVisa yinto ekhethekileyo. Abanikazi bamakhadi bafumana i-4 ekhulwini kwi-gas efanelekileyo emhlabeni jikelele kwi-$ 7,000 yokuqala ngonyaka; Iipesenti ezi-3 emva kokutya kunye nokuthengwa okufanelekileyo okuhambayo emhlabeni jikelele; Ipesenti ezi-2 zibuyisele imali kuyo yonke into ekuthengwayo kwi-Costco ne-Costco.com; kunye neepesenti ezili-1 kuyo yonke into kuquka ukuthengwa kwegesi ngaphezulu kwee-7,000 zamaRandi. Ukuthengwa kweGesi okwenziwe kwiindawo ezinkulu, ivenkile, amabali amahle kunye namaqela okugcina ngaphandle kweCococo okanye i-fuel used for non-auto purposes.
Ekubeni likhadi lekhredithi ye-Visa, ungasebenzisa ikhadi lakho lesikweletu apho iVisa iyakwamukelwa khona ukufumana umvuzo. Yonke imali oyibuyiselayo kwiminyaka yekhalenda ihlawulwa njengesiqinisekiso somvuzo wonyaka wekredithi kwisitatimende sakho senkokhelo kaFebhuwari. Unako ukuhlawulela isatifiketi semali okanye intengiso kwi-US Costco Warehouses.
Ixabiso elibalulekileyo : Jabulela i-0 yeepesenti yokuqalisa APR ngeenyanga ezi-7 ekuthengeni. Emva koko, uMeyi uza kuba ngama-16.49 ekhulwini. Akukho ntlawulo yonyaka.
Kwi-Fair Credit: iKhadi leSitolo seWalmart
Abathengi baseWalmart abanekhredithi elifanelekileyo kufuneka baqwalasele iKhadi leSitolo seWalmart-inqaku elincinci lekhadi lesikweletu elingasetyenziselwa kuphela kwiivenkile zeWalmart. Qaphela ukuba kukho i-Mastercard yenguqu ye-mastercard yekhadi lesikweletu eWalmart efuna ukuba ube nomlinganiselo wekhredithi olungcono ukuze ufaneleke.
Ukuba ufaka isicelo seWalmart Credit Card yakho kwi-intanethi, uya kulondoloza i-$ 35 xa usebenzisa ikhadi lakho lesikweletu ngosuku olufanayo. Uya kusindisa iipesenti ezi-3 nsuku zonke kwiWalmart.com; Iipesenti ezi-2 kwigesi eWalmart naseMurphy USA; Iipesenti ezi-1 kwiWalmart kunye neClubs yeSam. Ugcino luhlawulwa njengengxelo yekhredithi ngelixa i-akhawunti yakho ingadluli ngenxa.
Ixabiso elibalulekileyo : I-APR rhoqo ngama-23.9 ekhulwini kwaye akukho ntlawulo yonyaka.