Xa abaninzi abantu becinga ngamakhadi ekwereti, bacinga ngezinga elincinci lomdla kunye nemivuzo . Ngokuqinisekileyo, ezo zinto ziyamangalisa, kodwa amaninzi amakhadi akhredithi azayo aneempahla ezongezelelweyo ezingenakukwazi. Ukusebenzisa ezi zinto kunokukunceda ukuba ufumane ngaphezulu kwekhadi lakho lesikweletu kwaye unokukugcina imali kwinkqubo.
01 Ukhuseleko lwamaxabiso
Kubuhlungu kangakanani ukuthenga into ngentengo enye uze uyikhangise ngexabiso elincinane nje emva kweentsuku ezimbalwa? Ukuba uthenge loo nto ngekhadi lakho lekhredithi, unokukwazi ukufumana ulwahlulo lwamaxabiso abuyiselwe kwikharityhulam yakho yokukhuselwa kwentengo yekhredithi. Into ephantsi kwexabiso kufuneka ifane neyathengiweyo.
Ukukhuselwa kwexabiso akuzenzekelayo. Ngokuxhomekeka kwikhadi lakho lesikweletu, unokufuneka ubhalise into xa uyithenga okanye ufake ibango ukuba ufumane umlinganiselo wexabiso. Unokufuna kwakhona irisidi yakho okanye isitatimenti sekhadi lesikweletu esinexabiso lokuthenga.
Ixesha lexesha lihlala kwiintsuku ezingama-60 ukuya kwii-90 kuxhomekeke kwikhadi lakho lesikweletu. Kubekho umda kumlinganiselo omkhulu. Umzekelo, Ukufumanisa ukubonelela ngexabiso lentengo ukuya kuma-$ 500 nganye kwibango kunye ne-$ 2,500 ngonyaka. Ezinye izinto ezingenakutyalwa njengezinto eziphathekayo, ubunxibi, izinto ezinqabileyo, izithuthi ezihamba ngeenqwelo, kunye nezinto ezipapashwe njengento yokuthenga enye ikhululekile.
Amakhadi amakhredithi ambalwa kunye nokukhuselwa kwamanani: Bonke bafumane amakhadi, onke amakhadi e-Citi, iiCardsCards ezithile, i-Chase Sapphire ekhethiweyo, kunye ne-Chase Freedom.
02 Ukhuseleko lokuthenga
Kulolu bumma ukuthenga into kwaye kamva yonakaliswe okanye ibiwe. Iindaba ezilungileyo ukuba uthenge loo nto ngekhadi lesikweletu: unokufumana ilungelo lokukhusela ukuthenga.
Mhlawumbi ufuna iirisithi yakho kunye nesitatimende sekhadi lesikweletu esibonisa ukuthenga. Ukuba loo nto ibiwe, uya kufuneka kwakhona ingxelo yepolisa. Into kufuneka ithengwe kwiintsuku ezingama-90 ezedlulileyo, okanye iintsuku ezili-120 ze-MasterCard (ngaphandle kwabahlali baseNew York).
Zonke iinqununu ezine zekhredithi ezinkulu zinikeza uhlobo oluthile lokukhusela ukuthenga, kodwa iinjongo ezichanekileyo ziyahlukahluka ngokuxhomekeke kumkhupheli wekhadi lakho lesikweletu. Awudingi ukubhalisa ukukhusela; kufuneka kuphela ukuba ibango lifumane inzuzo. Ubungakanani besibini nakweyiphi enye inshurensi onayo. Ngokomzekelo, kufuneka ufake ifowuni kwinkampani yakho yomshuwalense oyintloko ngaphambi kokufumana iinzuzo kwi-issuer card card.
03 Ukufikeleleka kwiThikiti kuqala
Amanye amakhadi ekhredithi anika amathikithi esandulela kubakethi. Nangona ungeke ulondoloze imali kwixabiso letikiti, ubuncinane uzakufumana ithuba lokuthenga amathikithi ekufunwa phambi kokuba uluntu luyakwenza. Oku kukunika utshintsho ukufumana izihlalo ezilungileyo okanye ukufumana amathikithi akho ngaphambi kokuba uvelise.
Inzuzo iyahluka kumcimbi, inokunikezwa kuphela kumakhadi anikezelwe ngamashishini athile, kwaye anokufuna ukuba uthenge amathikithi ngeTikiti-mthayitha usebenzisa ikhadi lakho lekhredithi elifanelekileyo kunye nekhowudi yokukhupha.
04 I-inshurensi yemoto yerhafu
Xa uqashisa isithuthi, uya kucelwa ukuba usayinwe rhoqo ukuze ubhalisele i-inshorensi yenkxaso ye-inshorensi. Unako ukugcina imali kwixabiso lakho lokuqeshisa elipheleleyo ngokunciphisa le nkcazo kwaye ukuba urenti ngekhadi lekhredithi enkulu, uya kuba negalelo. Zonke iinqununu ezine zekhredithi ezinkulu zinikezela ubuncinci bomshuwalense wemoto yerenti, kodwa kufuneka uhlawule lonke iindleko zokuqeshisa kwikhadi lakho lekredithi kwaye unqatshelwe nayiphi na inshurensi enikezelwa yinkampani yokurenta.
Qinisekisa ukuba uhlolisise umniki-khadi wakho wekhadi ukuqinisekisa ukuba ikhadi lakho lekredithi liquka inshurensi uhlobo lwesithuthi oqeshisayo. Imoto engaphandle, ebiza, i-antique, amaloli, izithuthi ezinemibhede evulekile, kunye neenqwelo zendlela ezingekho ngaphaya kweendlela ezingenakucetyiswa yiyiphi enye inethiwekhi enkulu. I-American Express ayifihla ii-SUV ezithile. Ubungakanani bungabandakanywa kwiindawo zokuqeshisa ixesha elingaphezulu kweentsuku ezingama-31 kunye neenqweliso ezininzi zamazwe ngamazwe.
Hlola isifundo se-Assurance Car Car Insurance yaseKhadiHub.com ukuze uhlahlole ukukhutshwa kwerenti kwiinqununu ezine ezinkulu. Funda isivumelwano sakho sekhadi lesikweletu ukuze ufumane iinkcukacha ezithile malunga ne-inshurensi yokuqashisa kwikharityhulam yakho ethile.
05 Ukhuselo lweMithwalo yokuLawula
Ukuba ikhadi lakho lesikwereti linikezela ukukhuselwa kwemithwalo elahlekileyo, umthwalo wakho olahlekileyo okanye obiwe uhlawulelwe ukuba uxhaswa ngemali yakho yonke ngekhadi lakho lesikweletu - amathikithi athengwe usebenzisa umvuzo amawaka angafaneleki.
Ukuhlolwa kunye nokuthwala imithwalo kungabhekiswa kwixabiso elithile, umzekelo, imali engama-3,000 kwii-credit card ze-Visa. Ukubhengezwa kwinqanaba elincinci kunoma iyiphi inqununu yomshuwalense ongayinayo kunye nayiphi na inzuzo enikezelwa ngumphathiswa.
Izinto ezithile ezingenakukhutshwa okanye zibe neyona mali ephezulu yokujonga: kunye neeklasi, izinto ezithunyelwa ngaphambi komhla wokuhamba, imali, i-credit and debit cards, izinto zezoshishino, ubucwebe kunye nomnxeba weselula.
Uzakufuna amacandelo amanqaku amaxwebhu ukuba ufake ifowuni kwaye ufumane izibonelelo. Oku kubandakanya ifomu lebango, ikopi yesitatimende sekhadi lesitaliti ngokuthenga, uhambo lwakho lokuhamba okanye ukupakisha ibhodi, uhlolisise iithegi zomthwalo, kunye namanye amaxwebhu njengoko kucelwe inethiwekhi yamakhadi okanye umniki-khadi wakho.
06 IWaranti eyongezelelweyo
Unokudiliza iwaranti enwetshiwe enikezwa ngumthengisi xa ukhokhela umbane omkhulu okanye i-elektroniki ngekhadi lesikweletu. Amanqaku amaninzi ekwerekheni anongeza unyaka owongezelelweyo kwiwaranti yomenzi, kodwa kufuneka uthenge loo nto ngekhadi lakho lesikweletu.
Akukho kubhaliswa okanye ukubhaliswa okufunekayo, kodwa kufuneka ugcine irisidi yakho. Emva kokuba ufake ibango, inethwekhi yomnxeba wekhadi uza kwenza isigqibo sokuba ingawuthathe indawo, ukulungisa okanye ukubuyisela yona into. I-MasterCard kwaye Qaphela ukungafihla ukungaphumeleli okubangelwa ukugqoka nokulila. I-American Express kunye neVisa ziza kugubungela izinto ezithengiweyo zihlaziywe. Ezinye izinto azivumelekanga.
I-CardHub.com ka-2014 iKhadi leKhadi leKharithi elongezelelweyo Isifundo sifaka ukuthelekiswa kweziqinisekiso ezininzi kwiinkcukacha ezine zeekhredithi ezinkulu zekhadi. Hlola isivumelwano sakho sekhadi lesikweletu malunga neenkcukacha ezipheleleyo kwiwaranti enwetshiwe yekhadi lakho lekhredithi.
07 Ukubuyisela isiqinisekiso
Gcina imigaqo yokubuyisela ingakukhusela ukuba ungathathi into kwakhona kwisitore emva kwithuba elithile. Amanye amakhadi ekhredithi aya kubuyisela intengo yokuthenga xa ivenkile ayiyi kuthatha ukubuya kwakho, kodwa ukuya kwisixa esithile kunye nexesha elithile.
Ukufumanisa kuya kubuyiselwa ukuthenga ukufikelela kwi-$ 500 kwizinto ezifanelekileyo kwiintsuku ezingama-90 zokuthenga. I-Citi inikeza isiqinisekiso sokubuya kweentsuku ezingama-60 ukuya kwi-$ 250 ngokubuya kwento kwaye ifike kwi-$ 1,000 ngonyaka. I-American Express iya kubuyisela intengo epheleleyo yokuthenga kwizinto ezifanelekileyo kwiintsuku ezingama-90 kwintengo yokuthenga ukuya kwii-300 zamaxabiso nganye kunye nomyinge we-$ 1,000 nganye kwikhadi ngalinye kwikhalenda. Ezinye izinto zingenakufaneleka ukukhuselwa kokubuyela.
Gcina ukhumbule ukuba unelungelo lokuphikisana neentlawulo zerhafu zokuthengiswa ezingazange zithunyelwe okanye ezingekho kwiimeko ozilindeleyo xa ufumene. Unemihla engama-60 ukuphikisana nale ntlawulo ngokubhaliweyo .
08 Intshumo yoKhuselo lokuKhuphela
Ukuba kufuneka ukhansele, ukulibaziseka, okanye ukuphazamisa uhambo, unokukwazi ukubuyisela ezinye iindleko, nje kuphela xa ubeka uhambo kwikharityhulam yekhredithi enika i-inshorensi yokukhansela. Ukhetho olukhethiweyo, umzekelo, uhlawulela abanikazi bamakhadi ukuya kuma-$ 10,000 ukuba uhambo lukhanseliwe okanye lunqunywe ngokugula, imozulu eshushu, okanye enye imeko ejongeyo.
09 Funda iSivumelwano sakho seKhadi leMatyala ngeeMfuno zakho
Uninzi lwabantu lulilahlekile le khadi yekhredithi ngenxa yokuba zibandakanyiwe kwisivumelwano sekhadi lesikweletu - umqulu omude osikhupha ngokukhawuleza okanye ufakwe ngaphandle.
Gcinani engqondweni, ezi zinto zihluka ngokukhutshwa kwekhadi lesikweletu. Yenza ikopi yesivumelwano sakho sekhadi lesikweleti kwiwebhsayithi yakho yomthengisi wekhadi lokuthenga ikhredithi ukuze ubone ukuba yiyiphi into ebalulekileyo ongayiphumelela kuyo. Ngexesha elizayo umrhweba akayi kusombulula umba okanye umele ukhansele uhambo, uye ekhadini lakho lekredithi ukuze uhlawule iindleko.