Ukuba iNtshona-mpahla ye-Southwest iyindlela yokukhetha iinqwelo-moya, ukuba nekhadi lekhredithi yaseMzantsi-ntsholongwane kwisikhwama sakho liya kukuvumela ukuba ufumane umvuzo wemali yesikweletu kwiindleko zakho kunye nezinye iindleko zokuhamba. Ikhadi lokuthenga ngetyala leMzantsi-ntshona livela kwiinguqulelo ezimbini: I-Redwest Rapid Imivuzo ye-First Credit Card kunye ne-Southwest Rapid Plus Credit Card. Ukwahluke phakathi kwamakhadi a matyala ayingcambu. Ngaphandle kwemali yonyaka - i-$ 99 nxamnye ne-69-kunzima ukubona ukuba kutheni ukhetha ikhadi elinye lekhredithi kwenye.
Masiqwalasele ngokukhawuleza kumabini amakhredithi.
Imivuzo ye-Rapid Rapid kunye neKhadi leKhariti
Umvuzo we-Southwest Rapid Plus I-Credit Card ihlawula amanqaku angama-40,000 kwiibhonasi xa uchitha i-$ 1,000 kwiinyanga ezintathu zokuqala emva kokuvula i-akhawunti yakho. Ngokuqhelekileyo, kufuneka wenze okungenani i-$ 20,000 ekuthengeni ukufumana loo mali yembuyekezo. Ukusebenzisa ibhonasi yokubhalisa kukunika ithuba lokufumana umyinge omkhulu wembuyekezo kunye neqhezu yenkcitho. Kwezinye iimeko, amaphuzu afumana kwibhonasi yokubhalisa anele ukuhamba kwehhala.
Ngokuqhubekayo uza kufumana amanqaku amabini kwiidola zonke ozisebenzisayo kwiintengiso ze-Southwest Airlines ezenziwe ngqo nge-airline; Iingongoma ezimbini nge dollar kwiiholide zeRubid Rewards kunye nokuthengwa kwemalingani yokuqeshisa imoto, kunye nenqaku elinye nge dollar kuyo yonke into. Iintlawulo ezikhawulezayo zeehotele kunye namaqabane oqashisayo emotweni ngoku zibandakanya (iMarriott, i-Starwood, i-Hertz, i-Avis, kunye neBhajethi).
Njenge-perk eyongezelelweyo, abanini bamakhadi bazifumana ngokuzenzekelayo amaphuzu ebhonasi angama-3 000 ngonyaka ngamnye.
Akukho ncinane yokuchitha imali.
Ngomda weeNkcazo zeMali eziKhuphiswano zaseMzantsi-mpahla kunye neKhadi leNkcazelo yeMali, uya kuthi uhlawuliswe intlawulo ye-intanethi ye-3 yeepesenti ehlawulwa ngokuthengwa kwezinye iirhafu.
Umvuzo weNkcazo yeMzantsi weeNkcazo zeNkulumbuso
Umvuzo weNkcazo yeMzantsi-ntlawulo ye-First Credit Card ikhokhelela ibhonasi efanayo yokubhalisa njengenguqu Enye yekhadi lesikweletu-ama-40,000 amanqaku xa usebenzisa i-$ 1,000 kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho.
Uya kufumana umlinganiselo ofanayo wembuyekezo ekuthengeni.
Inkcazo yeNkulumbuso yekhadi lesikweletu ihlawula ibhonasi yesibhozo. Lo ngowama-6,000 ngonyaka ngamnye kwikhumbuzo lakho lokukhumbula-eliphindwe kabini leloMvuzo weMidlaphu oyiNtlabathi kunye neKhadi leKhariti.
Inkulumbuso ingumvuzo wabanini bamakhadi abaneeNqanaba zokuQinisekisa eziQalayo kubalo lwe-A-List ye-A-List kunye ne-A-List ekhethiweyo. Imosi ye-A yi-benefit benefit ephakamileyo ekunika ibhola eliphambili kunye neebhonasi. Ukufumana amaqaku angama-1,500 kuwo wonke ama-dollar ayi-10 000 asetshenzisiweyo kwikhadi ngonyaka, ukuya kuma-100,000. Leli thuba lokufumana amanqaku angama-15,000 wokuQinisekiswa koMgangatho.
Akukho mali yokuthengiswa kwamanye amazwe kwiMveli yeRhafu yeNkulumbuso yeNkulumbuso yeNkulumbuso.
Ngaba iMali eYilungeleyo yonyaka?
Ukuba ukhetha phakathi kwamakhadi a matyala aseMzantsi-ntshonalanga, ukhetho lwakho luya kwelokuba iziganeko ezingaphezulu zeminyaka kunye neengqinamba zokuQinisekiswa koMgangatho ziya kulungele ukuhlawula imali eyongezelelweyo engama-30 yonyaka. Kwaye, ukuba uceba ukusebenzisa ikhadi lakho lesikweletu ekuhambeni kwamazwe ngamazwe, ukuhlawulwa kwemali yokuthengiswa kwamanye amazwe kuya kuba yinto ekhangayo.
Nantsi into omele uyazi ukuba ucinga ukuhlawula intlawulo yonyaka eyongezelelweyo kwiiNqaku zokuQinisekisa kuMgangatho. Umzantsi-ntshona unamanqaku angama-35,000 ubuncinane kwizinga eliphantsi kakhulu elitini (ufumana ntoni kweli nqanaba).
Nangona udibanise umda wokuchitha imali usebenzisa imali eyi-100,000, awuyi kuba namanqaku anele ukufikelela kwindawo ephantsi. Amaphuzu afanelekileyo okuQinisekisa ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela ukuPhumela.
Imivuzo yokuPhumela kweNkulumbuso yeNkulumbuso yeNkulumbuso yeNkulumbuso ayinakunqweneleka kakhulu ukuba awuyi kuchitha ubuncinane i-$ 10,000 kwikhadi lakho lekhredithi ngamnye ngonyaka.
Inkqubo yoMvuzo oyiNtlabathi yeeNtshonalanga
Kwiimakhadi zombini, unokuzihlawulela amaphupha akho eMzantsi-mpahla weRipid Rewards kwiindiza zamazwe ngamazwe, ukuhamba, ukuhlala kweehotele, ukuqashisa imoto, kunye namakhadi wesipho. Uzakufumana uninzi lwayo kwimiphumo yakho xa ubahlawulela ngeenqwelo ze-Southwest. Akukho mihla emnyama kunye nemivuzo inokuhlawulelwa nayiphi na isihlalo esikhona kuyo nayiphi na indiza yomzantsi-ntshona.
Kumele ugcine ikhadi lakho lisebenza ukuze ugcine umvuzo wakho . Iingongoma zingaphelelwa emva kweenyanga ezingama-24 ukuba akukho mali yokufumana indiza okanye umsebenzi we-Southwest Airlines wokufumana umlingani kwi-akhawunti yakho.
Indlela Eyityhalela Ngayo Amakhadi Eenqwelo-moya Ezifanayo
I-United MileagePlus Explorer Card ihlawula amawaka angama-40,000 amabhonasi, kodwa umyinge wokuchitha u-$ 2,000. Amakhadi ekwereta aseMzantsi-mpa kuphela adinga i-$ 1,000 ukuze afumane ibhonasi yokuchitha. I-United MileagePlus Explorer Card ihlawulisa imali engama-$ 95 yonyaka, ekhutshwa ngonyaka wokuqala, kodwa ngokuzenzekelayo ikunika iinzuzo ezintle, njengamabhikithi okubhankqalaza kunye neengqabane. Uya kufumana iililesi ezili-2 ngeedola kwiithekiti ezithengwa kwi-United kunye ne-1 mile nge-dollar kuzo zonke ezinye izinto zokuthenga.
I-Delta Skymiles I-American Express Express ihlawula iiligidi ezingama-30,000 zeebhonasi emva kokuba wenze i-$ 1,000 ekuthengeni kwakho kwiinyanga ezi-3 zokuqala. Uya kufumana i-credit statement ye-$ 50 emva kokuba wenze u-Delta uthenge kwiinyanga ezi-3 zokuqala. I-Amex ityala imali engama-$ 95 yonyaka ekhutshwe ngonyaka wokuqala. Ukuthengwa kweDelta kuyifumana iiyure ezingama-2 ngeedola kunye nazo zonke ezinye izinto ezithengwayo zifumana i-1 mile nge-dollar.
Ukuba uninzi lweenqwelo zeenqwelo zeenqwelo zeenqwelo zihamba kwi-Southwest Airlines, enye yamakhadi e-credit-south-west is a choice of airline rewards cards . Nangona kunjalo, ukuba uguquguqukayo kwiinqwelo-moya kwaye uzimisele ukuhlawula umrhumo wonyaka ophezulu, ikhadi le-United MileagePlus Explorer lingaba lilungelo elingcono, ucinga ukuba ufumana amathikithi adibeneyo kuphela ngokuba nekhadi lesikweletu.