Amakhadi ayisithandathu amatyala ahlawulisa inzala ephezulu kunye nemirhumo kubantu abanekhredithi embi. Unokuba bhetele ucebise ukuba uthole ikhadi lekhredithi elikhuselekile , elisoloko lithengi, okanye ikhadi elihlawulwa kuqala xa ufuna iplastiki kwaye ukwakha imbali yakho yekhredithi ayibalulekile kuwe.
01 Ibhanki yokuqala ye-Gold MasterCard
Xa ndabona kuqala imigaqo kule khadi lekhredithi, ndacinga ukuba ndibona izinto. Kodwa konke kuyinyaniso: I-59.9 yeepesenti i-APR kunye ne-$ 75 yokumisela ukulungiswa kwemali. Ukususela ngomnyaka wesibini, kukho imali engama-$ 75 yonyaka, apho iNdunankulu yokuqala iyakugxotha inqanaba lika-6.25 ngenyanga. Kwaye le nto, ufumana i-$ 300 yemali yentengo yemali.
Kodwa kuya kubi nakakhulu. Ixesha ngalinye i-akhawunti yakho ivunyiwe ukwenyuka kwinqanaba lemboleko , uza kuhlawuliswa umrhumo olingana nama-25% okunyuka komlinganiselo wesikweletu, owongezwayo kwibhalansi yakho. Ukunyuka kweekhredithi eziphezulu kunama- $ 100, kwaye awuyi kukwazi ukufumana enye ubuncinane kwiinyanga ezili-13 emva kokuvula i-akhawunti yakho.
02 Centennial Gold MasterCard
Leli khadi likhutshwa yiBhanki yokuqala yeNkulumbuso kwaye iyafana ne- First Premier Bank yaseBhange le-GoldCard kunye neAventium Gold MasterCard . Unemali e-59.9% yama-APR, i-$ 75 yokumisela ukuhlawula imali kunye ne-$ 75 yemali yonyaka eqala ngonyaka wesibini. Kwakhona kunomlinganiselo omncinci wesikweletu. Ngaphantsi kweliphi igama, kuyinto engalunganga.
03 Aventium Gold MasterCard
Leli khadi likhutshwa yiBhanki yokuqala yeNkulumbuso kwaye iyafana ne- First Premier Bank yaseBhange le-GoldCard kunye ne-Centennial Gold MasterCard. Unemali e-59.9% yama-APR, i-$ 75 yokumisela ukuhlawula imali kunye ne-$ 75 yemali yonyaka eqala ngonyaka wesibini. Kwakhona kunomlinganiselo omncinci wesikweletu. Yinto enzima kakhulu ngaphandle kokuba ubiza ntoni.
04 Applied Bank Gold Visa Card
I- Applied Bank Ikhadi leVisa elikhuselekile lilinganisiwe kwikhadi lethu elikhuseleyo. Le nguqulo yegolide engakhuselekanga iyabiza kakhulu, kodwa ufumana encinane kakhulu ngokubuyisela.
Umda ophezulu wamatyala ungama $ 500 kuphela. Ngenxa yoko, kufuneka ukhokhe imali eyi-$ 125 yonyaka, ehlawulwa ngokukhawuleza kwi-akhawunti yakho. Oku kunciphisa umda wakho weekhredithi kwi $ 375, kwaye kuthetha ukuba uqala ukufaka iindleko zezimali kwiiveki ezingama-30% ngaphambi kokuba ufumane ibhilikhwe yokuqala .
Akukho xesha lobabalo ekuthengeni, ngoko akukho nanye inyanga ongeke ubaleke iintlawulo zezezimali , nangona uhlawula ibhilikhwe yakho ngexesha. Emva komnyaka wokuqala, intlawulo yonyaka ithathelwa yintlawulo yesondlo yenyanga ye-$ 15, okanye i-$ 180 ngonyaka. Ukongeza, i- Applied Bank ihlawulisa i-$ 100 yokunyusa umlinganiselo wesikweletu .
05 I-Applied Bank yeGold Match Plus yeVisa Card
Ibhanki ayibizi ukuba, kodwa kuzo zonke iinjongo ezifanelekileyo, eli likhadi elikhuselekile . Ukuze ufumane ikhadi, kufuneka uvule i- akhawunti ye-deposit kwi-bhanki okungenani i-$ 300 (ubuninzi bama-$ 5,000); Umda wakho weekhredithi ngumlinganiselo wediphozithi kunye ne $ 300. Ngamanye amazwi, kuphela i-300 engama-limit ye-credit limit yakho engakhuselekanga.
Nangona idiphozithi yakho i- insured ye-FDIC , ibhanki ayikuhlawuli umdla kuyo. Ngaphandle koko, eli khadi linamagama afanayo njengoko i-Applied Bank Gold Visa Card ngaphandle kwe-APR ingaphantsi kwe-23.99%, malunga ne-29.99%.
06 Inkokhelo yeBhanki enye yeVisa Platinum Card
Leli khadi alingabi lixabiso elininzi njengamanye amakhadi atholuluhlu, kodwa kusekuhle kakhulu. Ngokuxhomekeke kumda wokuthenga ngetyala-oya kusuka kwi $ 300 ukuya kuma-$ 1,500 - imali yakho yonyaka iya kuhluka ukusuka kwi-$ 75 ukuya kwii-99 zamawaka, ehlawulwa kwizitofu zenyanga nyanga ukususela kunyaka wesibili. Amanani omdla avela kuma-23,9% ukuya kuma-26.9%, ngokuxhomekeka kwimbali yakho yemali.
Njenge-Applied Bank, i-Credit One iyakuhlawulisa ukuba ikunika inqanaba lokunyuswa kwetyala, nangona ityala "kuphela" i-$ 49 ngokumalunga ne-$ 100.
Ukongezelela, eli khadi lihlawulisa intlawulo ye-8% yokunyuka kwemali emva komnyaka wokuqala, okumalunga kabini nawaphi amanye amakhadi atyala . Awufanele usebenzise ikhadi lakho lekredithi ukuze ufumane imali engaphambili , ngokukodwa kuloo xabiso.