Amakhadi eemboleko ahlukeneyo ngokwemigangatho ayinikezelayo, kodwa amaninzi amakhadi anekredithi aneempawu ezifanayo ezisisiseko. Emva kokuba uqonda ezi zixhobo zecredit card, uza kuba nexesha elilula ukhetha kwaye usebenzisa ngokufanelekileyo ikhadi lekhredithi.
Uhlobo lweKhadi leKhadi
Akukho onke amakhadi ekhredithi adalwa ngokulinganayo. Kukho iintlobo ezininzi zamakhadi -mboleko kunye nomniki-makhadi omnye wekhredithi unokukhupha nayiphi na okanye zonke, ngamanye amaxesha kunye neenguqu ezininzi zoluhlobo lwekhadi lesikweletu.
Nazi ezinye ezimbalwa iintlobo eziyaziwayo:
- Ikhadi lesikratshi eliqhelekileyo okanye eliqhelekileyo alinayo i-perks eyongezelelweyo okanye inzuzo, kodwa inokunikela ngesantya esincinane somdla ukutsala abathengi.
- Ikhadi lokuthenga ngetyala lokuthenga ngetyala libonelela ngenqanaba lokutshintshiselwa kwemali yamanani kwaye ngamanye amaxesha umrhumo ophantsi ekutshintshelweni kwemali.
- Umvuzo wekhadi lesikweletu uhlawula umvuzo kwiintengo ozenzayo.
- Ikhadi lekhredithi ye-premium linamathuba amaninzi kunye nezibonelelo ezinjengeenkonzo zee-concierge, ngokuqhelekileyo ngemali ephezulu yonyaka.
- Ikhadi lekhredithi yokuthengiswa lidibene nevenkile ethile kwaye linikeza imivuzo okanye izaphulelo ekuthengeni kwakho kunye nolo venkile. Iinguqulelo ze-co-brand ze-credit card zithengisa i-Visa, MasterCard okanye i-American Express logo kwaye ingasetyenziswa naphi na.
- Ikhadi lekhredithi elikhuselekileyo lifuna ukuba wenze idifisiti yezokhuseleko kumda wesikweletu kwaye kulula ukuvunyelwa xa unetyala elibi.
- Ikhadi lokuthenga idinga ukuba uhlawule ibhalansi yakho epheleleyo inyanga nganye kunokuba wenze iintlawulo zenyanga zincinci.
KwiMali yokuLawulwa
Uninzi lwamakhadi akhredithi anomda wekhredithi owona mgangatho ophezulu ongabakho kwikhadi lesikweletu ngexesha apho. Oku kubandakanya ukuthenga, ukuhanjiswa kwemali, ukunyuka kwemali, iintlawulo zemali kunye neentlawulo. Xa uhamba phezu komda wakho wesikweletu, umbolekisi wakho unokuhlawula intlawulo, umrhumo ongaphezu kwemida okanye ukuphakamisa inzala yakho.
Amanye amakhadi ekhredithi ayinayo umlinganiselo wokuchitha imali, kodwa kunoko ukuvumela ukuba uchithe imali ecinga ukuba unakho ukuhlawula ngokusekelwe kwingeniso yakho, imbali yemboleko kunye nezinto zokuchitha. Umda wokuchitha imali awusetyenziswe kwiitye kwaye unokutshintsha ukusuka kwinyanga ukuya kwinyanga ngokusekelwe kwimikhwa yokuthenga nokuhlawula. Amanqaku amaninzi amanqaku angenawo umlinganiselo wokuchitha imali.
Ukulingana
Ibhalansi kwikhadi lakho lesikweletu nangaliphi na ixesha elifanelekileyo lilonke inani elimatyala elibandakanya ukuthenga, iintlawulo zemali kunye neentlawulo. Ukuphakanyiswa kwekhadi lakho lekhadi lesikweletu, okwezantsi i-kredithi ekhoyo kufuneka wenze ukuthenga okongeziweyo. Izilinganiso eziphezulu ziphakamisa ukusetyenziswa kwetyala kunye nokunciphisa amanqaku akho .
Unokukhangela ibhalansi yakho yamatyala ekwi-credit card okanye ngokubiza ngekhadi lakho lekhadi lomthengi ngekhadi emva kwekhadi lakho lesikweletu.
APR
Ireyenti yepesenti yonyaka , okanye i-APR emfutshane, inzala yenzalo isetyenziswe kuyo nayiphi na ibhalansi oyenzayo ngaphambili. Amakhadi a matyala angaba nama-APR ahlukeneyo kwiindidi ezahlukeneyo zemali, umz. Ukutshintshwa kwemali okanye ukuthengwa. Ukutshintshwa kwemali kunye nokunyuka kwemali ngokuqhelekileyo kunamaphesenti aphezulu ku-APR kunokuthenga.
I-APR yakho inokunyuka xa usufikile ekuhlawuleni kwakho kumntu-mboleko othile, kunye nabanye abathengi ukuba isivumelwano sakho sekhadi siquka isigatya esisigxina.
I-APRs inokwenziwa okanye iguquke. I-APR echanekileyo ingatshintsha, kodwa umbolekisi makakuxelele ngokubhaliweyo ngaphambi kokutshintsha izinga. Uhlobo olutshintshayo lwe-APR luguqula rhoqo ngamaxesha ngokusekelwe kutshintsho kwizinga le-index.
Ixesha lenceba
Ixesha lobabalo lixesha lexesha kufuneka uhlawule ibhalansi yakho ngokupheleleyo phambi kokuhlawulwa kweerhafu. Ukuba uthe wathwala ibhalansi kwinyanga edlulileyo, awukwazi ukuba nexesha lobabalo lokuthenga kwakho olutsha. Ukongezelela, ukuhanjiswa kwemali kunye nokunyuka kwemali ngokuqhelekileyo akunalo ixesha lobabalo.
Xa izilinganiso zingenaxesha lobabalo, inzala iyasetyenziswa kwangoko.
Ukufumanisa ubude besikhathi sobabalo kubhekisela kwisicelo sekhadi lesikweletu okanye isivumelwano sakho sekhadi lesikweletu. Iingxelo zakho zenyanga kufuneka zibandakanye nenani leentsuku kwixesha lobabalo.
Imivuzo kunye nePerks
Amanye amakhadi ekhredithi anika imivuzo kunye nezikhuthazo zokusebenzisa ikhadi labo lesikweletu.
Iimbuyekezo zemivuzo yemali ziza kwiifom ezahlukahlukeneyo: imali emfutshane, iikhilomitha eziza kuhlawulela, kunye nezaphulelo kwiintengo ezizayo. Unako ukufumana imivuzo kwenye okanye yonke into oyithenga ngayo kwaye uhlawule xa uqokelele inani elithile kuxhomekeke kwinkqubo yokuvuza. Akukho onke amakhadi ekwereta anika imivuzo ekuthengeni.
Iikhadi lekhredithi liyahluka ngekhadi lesikweletu kwaye kunokubandakanya izinto ezifana ne-inshurensi yemoto yerenti, iwaranti enwetshiwe, ukuthengwa kunye nokukhuselwa kwentengo, kunye ne-inshurensi yemoto yerenti.
Iimali zeKhadi leKhadi
Kukho imeko ezahlukahlukeneyo onokuzifaka iimali zekhadi lesikweletu . Inkokhelo eqhelekileyo yekhadi lekhredithi ibandakanya umrhumo wonyaka, intlawulo yeemali, intlawulo yexesha elide, kunye nomrhumo ongaphezulu kwemida. Unako ukukhusela ezinye iirhafu ezisekelwe kwindlela oyisebenzisa ngayo ikhadi lakho lesikweletu. Umzekelo, unokuphepha ukuhlawula imali ngokukhawuleza ngokwenza ukuhlawulwa kwekhadi lakho lesikweletu ngexesha ngenyanga.