Kodwa ukuba uzimisele ukutshintsha iindlela zakho, ikharityhulam entsha inokukunceda uhlambe ityala lakho , uvuselele i-credit yakho, ugcine imali kwiimirhumo, okanye ubeke umvuzo.
Nazi ezinye zeekheta zamakhadi ezona zifumanekayo kubantu abafuna uncedo oluthile olongezelelweyo lokuvuselela imikhwa yabo embi yezemali :
Kubantu abahlala behlawula ixesha elizayo
Ikhadi leCiti Lolula: Ukuba iimali zakho zingenakulungiswa kakuhle ukuba ulahlekelwa ngengozi ngeentlawulo ezimbalwa okanye ngaphezulu, ikhadi leCiti Lolula lunokukunceda ukuba ugweme iindleko ezikhawulezileyo kunye ne-APR engenakuchaphazeleka. Ngokungafani namanqaku amaninzi ekwereta, ikhadi leCiti Lolula lungahlawulisi imali ehlawulezayo xa uhlawule ngokuphindaphindiweyo. Kwakhona akuhlawulisi umlinganiselo wesigwebo, okwenza kube lukhetho olukhuselekileyo kubanini bamakhadi abasengozini yokulahleka okanye ukulibala ibhilikhwe. Amakhadi amaninzi, ngokuchaseneyo, ahlawule iirhafu zokuhlawula eziphezulu njengama-29 ekhulwini okanye ngaphezulu. Kufuneka ube nekhredithi efanelekileyo ukuze ufaneleke, nangona kunjalo, ukuba ulahlekelwe ngokuphindaphindiweyo iintlawulo zemboleko ngeentsuku ezingama-30 okanye ngaphezulu, awuvumelekanga.
Abagijimi phezulu:
- Kubanikazi bamakhadi abafanelekayo, i- PenFed Promise Visa esuka kwi-Pentagon Federal Credit Union ixolela ngakumbi. Akuhlawulisi umrhumo wexesha elifutshane, intlawulo yentlawulo ebuyisiwe, okanye nayiphi na enye intlawulo, kwaye ayihlawulanga intlawulo yesigwebo. Ingxaki kuphela? Ikhadi lePenFed lifumaneka kuphela kwiqela elikhethiweyo. Ukuze ufaneleke, wena okanye ilungu lentsapho kufuneka ube ilungu lempi , sebenzela urhulumente wase-US okanye ube ilungu lentlangano ethatha inxaxheba.
- Ukufumanisa kwakhona ukuhlawula iifizi ezidlulileyo kuzo zonke iikhadi lamatyala, kuquka iCape Card kunye ne -Discovery Miles Card ... Kodwa kuphela okokuqala ukuhlawula ngokukhawuleza. Uya kufuneka uhlawule u-$ 37 ngebhayibhile xa ulahlekelwa ngokuphindaphindiweyo iintlawulo.
Kubantu Abanamatyala amaninzi
I-Barclaycard Ring MasterCard: Abaphathi bamakhadi abajonga ukucoca ibhokhwe yetyala , i-Barclaycard Ring MasterCard inikeza enye yeyona ndlela ibhetele yokutshintshela ibhanki.
Kwenza kube lula ukukhawuleza ukuhlawula ityala ngokukhupha imali yokudlulisela ibhalansi kuyo yonke ibhalansi. Ngokuxhomekeke ekubeni uninzi kangakanani, oko kunokukunokusindisa amakhulu emadola kwiimirhumo. Amanqaku amaninzi, ngokuchaseneyo, ukuhlawula imali yokudlulisela ibhalansi ephakamileyo njengama-3 ukuya kuma-5 ekhulwini. I-RingCard i-Ring ibuye ikunike iinyanga ezili-15 ukuze uhambe ngaphandle kwinqanaba elidlulileyo ngaphambi kokuba umgangatho wekhadi elikhawulezayo likhawule.
Abagijimi phezulu:
Ikhadi le- Chase Slate kunye ne- BankAmericard MasterCard kwaye ixhaswe ixesha elide lokuhlawulwa kwemali, kodwa ukukhutshwa kwexesha elilodwa kukunyuswa kwexesha elilodwa. Bobabini beeSlate kunye neBhanAmericard banamaphepha angama-60 kuphela emva kokuvula ii-akhawunti zabo ukuhambisa izilinganisi zabo, intlawulo ekhululekile.
Kwabantu Abafuna Uncedo Lokuba Zikulungele
Ikhadi leCash Double Cash Card: Ukuba uhlala uhlawula izikali zakho kwenyanga ukuya kwinyanga, awuyikuhlawula umrhumo kuphela ekuthengeni kwakho, nawe ubeka umngcipheko wokuqokelela amatyala angaphezu kwamandla akhoyo-ngakumbi ukuba uhlawula imali efanelekileyo. Ikhadi leCash kabini yeCash linceda abanikazi bamakhadi ukuba baphule loo mveliso ebiza ngokunikezela ngemali engama-2 ehlawulwa emva kokuthenga konke okuhlawulwa ngokupheleleyo. Ukuthengwa okungazange kuhlawulwe, ngokuphambene, ufumana i-1 pesenti kuphela.
Umntu okungenelo:
Uhambo Iimali zabafundi Iikhadi lekhredithi kwi-Capital One livuza kwakhona ukuziphatha kakuhle ngokunikela kwi-1,25 pesenti yemali emva kokuthenga xa uhlawula ibhilikhi yakho yenyanga ngexesha. Ikhadi lomfundi linikeza umda ophezulu wesikweletu emva kweentlawulo ezintlanu kwixesha.
Kubantu Abaxhamlayo kwiNgxowa-mali engalunganga
Ukukufumanisa ithole ikhadi lekhredithi: Iingxowa-mali ezibi akuthethi ukuba ushiye imbuyekezo yemakhadi yesikweletu. Ukufumanisa ukuba likhuphe amakhadi anikezela ngabanini bamakhadi abakhayo okanye abakha kabusha iikratshi inkqubo yokhuphiswano yokhuphiswano efana novuyo njengoko iinkqubo ezivuzwayo kubanikazi bamakhadi abanamazinga aphezulu. Abanini bamakhadi abakhuselekileyo banikezelwa ukuya kwi-2 pesenti yemali-yokubuya kwiivenkile zokuthengwa kunye ne-gas station kunye ne-1 ekhulwini imali-mali kuyo yonke into. Ukufumanisa ikhadi elikhuselekileyo libonelela ngexesha elilodwa lomlinganiselo wepesenti yembuyekezo yokufumana umvuzo emva komnyaka wokuqala.
Abagijimi phezulu:
- Ngokungafani namakhadi amaninzi, i- Capital One eVikelekileyo MasterCard ayinakukuhlawula imali enkulu. Endaweni yoko, unakho ukuhlawula idiphozithi ibe ngaphantsi kwe-$ 49 (kuxhomekeka kwimbali yakho yekhredithi) kwaye unikezelwe umda wokuqala we-credit $ 200. Kwakhona kunika umda wesikweletu esiphezulu emva kweentlawulo ezintlanu kwixesha.
- Ukuba awufuni ukukhathazeka ngekhadi lekhredithi elikhuselekile, i-Credit One inikezela enye yamakhadi aphantsi okungaqinisekanga atholakalayo ngaphandle kwemali eninzi. Ikhadi leCredit One Platinum lihlawulisa ukuya kuma-99 eemali zonyaka, kodwa ayihlawulanga imali yesondlo yenyanga okanye iiprogram. Kwakhona ihlawula u-APR ophantsi, ukusuka kwi-16.15 kweepesenti ukuya kuma-24.65 ekhulwini.