Ukuba uceba ukuthenga okukhulu ngo-2018 kwaye ufuna ukuyihlawula kwizitofu ezingenanto inomdla, ukufumana ikhenda lekhredithi ayikho inyeyona ndlela engcono yokuyifeza. Ngokomthetho, nayiphi na inqanaba lesenzalo sokukhushulwa kwekhadi lesikweletu kufuneka lihlale ubuncinane ubuncinane kwiinyanga ezintandathu (ngaphandle kokuba ungagqibekanga kwimimiselo yekhadi lekhredithi), kodwa akukho mdla wamakhadi ekhredithi anika inzala engama-0 ngaphezu kweyesithathu kweso sithuba.
Njengoko uthelekisa nantoni yamakhadi ekredithi, gcinani engqondweni ukuba izinga le-interest rate yokunyusa i-0 kuphela lithatha ixesha elithile. Xa ixesha lesethulo seliphelile, ibhalansi esele iya kuhlawulwa inzala nganye ngenyanga kwi-APR rhoqo. I-APR yakho eyiyo iyahluka ngokuxhomekeke kubukrelekrele bakho ngexesha owenza isicelo sekhadi lesikweletu. Ukuba unemivuzo engcono yekhredithi, uya kufumana u-APR ophantsi.
Ngokufanelekileyo, kufuneka uhlawule ibhalansi yakho phambi kokuba ixesha lokuphromotha liphele. Ngaloo ndlela, naluphi na olutsha ukuthenga olwenzayo kwikhadi lakho lekhredithi liya kuba nexesha lobabalo elikuvumela ukuba uqhubeke nokuthanda ikhadi lakho lekhredithi engenanomdla.
5 Akukho namanqaku eNkcazo yeMatyala
Uluhlu lweekhadi zetyala kule Ncwadana yeNgcaliso yeNqaku leNkcazo ayikho inzuzo yokukhuthazwa kokuthengwa kunye nokuhanjiswa kwemali . Zikulungele ukwenza izinto ezingenasithakazelo okanye ukutshintshela ibhalansi ukwenza kube lula ukunciphisa ityala lakho lonke.
Gcina ukhumbule ukuba ukudlulisela ibhalansi kunokufaka imali yokudlulisela imali. Amanye amakhadi ekhredithi anikezela ngamanye amaxabiso njengemali ekhokhwayo okanye umvuzo. Ngokuqhelekileyo uzakufuna ukulungelelwa kwikhredithi efanelekileyo ukuba ufanelekele ukulungelelanisa i-credit card.
1. Citi
Citi Simplicity
I-Citi inikezela ngamakhadi amabharkredari amabini angabikho nentshisekelo yesikhathi eside kunanoma iyiphi enye ikhadi lekhredithi kwimarike.
I-Citi Simplicity okwangoku ihlinzeka nge-0% yepesenti yokuqala ye-APR ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezingama-21. Kuphantse iminyaka emibili engenzi nxaxheba kumthengi owenzayo okanye ukulinganisa kwakho udlulisela ekhadini lesikweletu. Emva kokuba ixesha lokuphromotha liphela, u-APR ochaziweyo kwikhadi lesikweletu uya kuba ngama-13.49% ukuya kuma-23.49 ekhulwini. I-APR yakho ngqo iya kusekelwe kwi-creditworthiness yakho.
I-Citi Simplicity ayikho nje ixesha elide kakhulu elingenasithakazelo (eliboshwe ngeCiti Diamond ekhethiweyo), liphinde lithinte umrhumo wexesha elide okanye umrhumo wonyaka. Akunjalo kuphela, awuyi kuhlawulwa ireyithi yesigwebo xa ufike emva kwekhadi lokuthenga ngetyala. Uninzi lwamakhadi eemboleko azakuphakamisa izinga lakho xa uneminyaka engaphezulu kweentsuku ezingama-60 ngokukhawuleza kwintlawulo yekhadi lesikweletu.
Jabulela i-Citi Price Rewind, inkalo yokukhusela ixabiso eliza kuthenga ngokuzenzekelayo i-akhawunti yakho xa intengo yento uthenge amaconsi.
Ukuba usebenzisa ikhadi lakho ukudlulisela ibhalansi, uya kuhlawuliswa intlawulo ye-$ 5 okanye i-3 ekhulwini, nawuphi na umkhulu. Imali yokudlulisela imali ibangela imali ekugqibeleni kufuneka uyibuyisele yona, kodwa umgca wukuthi ungayibuyisela inzala ngaphandle kokuba uhlawule ibhalansi yakho epheleleyo ngaphambi kokuba ixesha lokuphromotha liphele.
Ukunyuswa kwemali kuthiwa i-APR ka-13.49 iphesenti ukuya kuma-23.49 epesenti kunye nentlawulo ye-$ 10 okanye i-5 ekhulwini.
Ngokuqhelekileyo kufuneka ugweme ukuqhubela phambili kwemali, kodwa oku kuyinyani ngokukodwa ngexesha lokuphromotha kuba iintlawulo zakho ziya kukwahlula phakathi kwamanani kunye nokungenanzala. Oku kwenza kube nzima ukuhlawula ibhalansi yakho kwaye ujonge iinqununu zakho.
Imali yokuthengiswa kwamanye amazwe yimali engama-3 eentengiselwano ezenziwe kwezinye iirhafu.
Iingxaki ezikuphela kuphela ukuba awuyi kuzuza nayiphi na imivuzo kwikhadi lekhredithi (kodwa ukungahlawulisi umdla luhlobo lomvuzo ngokwaso) kwaye ngelanga, awukwazi ukuthumela imali kwikhadi lesikweletu leCiti.
Citi Diamond ekhethiweyo
Ubungqingili beCit Diamond obukhethwayo kunye neCiti Simplicity ngexesha elide kakhulu elingenalo inzala kunye ne-0% yepesenti yokuqala ye-APR ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezingama-21. Xa ixesha lokuphromotha liphela, isantya somdla esiqhelekileyo sisebenza ekuthengeni kunye nokuhanjiswa kweebhalansi kuya kuba ngama-12,49 eepesenti ukuya kuma-22.49 eepesenti ahlukeneyo APR, ngokuxhomekeke kubukwereti bakho.
Kwakhona, njenge-Citi Simplicity, ukuhanjiswa kwe-balance balance is charged fee of $ 5 okanye iipesenti ezintathu, naluphi na umkhulu. Ukunyuswa kwemali kuhlawuliswa ngama-25.74 ekhulwini kunye ne-10 okanye i-5 ekhulwini yemali engaphambili.
Akukho mrhumo wonyaka, kodwa ngokungafani neCiti Simplicity, iindleko ezikhethiweyo ze-Diamond ezikhethiweyo ze-Citi zifikelele kwi-$ 35. I-Citi i-Diamond ekhethiweyo iphinda ityala inqanaba lesohlwayo esingama-29,99 ekhulwini xa uwela emva kweentlawulo zekhadi lakho lesikweletu.
I-Citi Price Rewind nayo isebenza ekuthengeni okwenziwe kwiCiti yedayimane ekhethiweyo.
2. Chase
Chase Slate
I-Chase Slate inika i-APR ye-0 yeepesenti yokuqala ngomhla wokuthenga kunye nokuhanjiswa kwemali kwiinyanga ezili-15 ukusuka kwirekhodi le-akhawunti. Emva kwexesha lokuqala, i-APR rhoqo iya kuba ngama-15,9 ekhulwini ukuya kuma-24.24 ekhulwini ngokubhekiselele kwi-creditworthiness yakho.
Kulabo bafuna ukudlulisela ibhalansi kwixabiso elincinci, i-Chase Slate yikharityhulam enkulu. Akukho mali yokudlulisela ibhalansi kwimali oyidilizayo kwiintsuku ezingama-60 zokuqala. Le mek iyakhangalisa ngakumbi ukuba unayo ibhalansi enkulu ofuna ukuyihambisa ngoba iya kukuvumela ukuba weqa intlawulo ye-intlawulo ye-3 yepesenti leyo enye ininzi imali yamakhadi-mboleko.
Ukuba ucinga ngokusebenzisa i-Sse Slate ukutshintshela imali, ezo ntsuku ezingama-60 zixesha elifanelekileyo. Emva koko, intlawulo yokutshintsheliswa kwemali i-5% yexabiso elidluliselweyo.
Ngoxa uya kuhlawula umrhumo wexesha elide ukuya ku-$ 37, akukho ntlawulo yonyaka kwikhadi lesikweletu. I-Chase Slate nayo ayihlawulisi isohlwayo esingu-APR, oko kuthetha ukuba inzala yakho ayiyi kunyuswa ukuba ufikelele ekuhlawuleni kwakho.
Uyakufumana kwakhona amanqaku akho kwi-FICO yenyanga ngokukhululekileyo kunye nesitatimenti senkokhelo ye-credit card yakho. Isaphulelo sakho seFICO senkxaso siya kukunceda uqhubeke kunye neenguqu kumanqaku akho ekhredithi.
I-APR yokuqala engama-25,49 ipesenti kunye nemali yokuhlawula imali yangaphambili i-$ 10 okanye i-5 ekhulwini. Ukuthengiswa kwamanye amazwe kuhlawulwa iipesenti ezi-3 zentengiso.
Chase Inkululeko
I-Chase Freedom inika i-0% yepesenti yo-APR ngomhla wokuthenga kunye nokuhanjiswa kwemali kwiinyanga ezili-15 zokuqala kwe-akhawunti. Emva koko, i-APR rhoqo i-15.49 yeepesenti ukuya kuma-24.24 ekhulwini, ngokusekelwe ekutyala kwakho.
I-Chase Freedom ingomnye wabambalwa abanamdla kumakhadi ekwereti ahlawula umvuzo ekuthengeni. Ukuba uvunyiwe, unokufumana i-$ 150 yebhonasi xa uchitha i-$ 500 ekuthengeni kwiinyanga ezi-3 zokuqala ukususela kwi-akhawunti. Uya kufumana ibhonasi ye-$ 25 xa ungeze umsebenzisi wokuqala ogunyazisiweyo kwaye wenze ukuthenga kokuqala kwiinyanga ezi-3 zokuqala. Ukuze ukwazi ukufumana ibhonasi, awukwazi ukufumana enye ibhonasi esuka kwi-Chase (kule khadi okanye nayiphi na enye inokukhangela ikhadi lekhredithi) kwiinyanga ezingama-24 ezidlulileyo.
Akunakukunceda nje kuphela ukuba unomdla ekuthengeni kunye nebhonasi enkulu yemali, kukho nemivuzo emikhulu. Uyakufumana imali engama-5 ekhulwini kwi-$ 1,500 ekuthengeni kwiindidi zebhonasi ezijikelezayo nganye kwikota. Qinisekisa ukuba usebenze ngenye indlela ukuthenga kwakho kuya kufumana ipesenti ezi-1 emva kwemali.
Imali yonyaka i $ 0.
3. US Bank
Ikhadi le-Visa Platinum yase-US
I-US Bank Visa Platinum Card inikeza i-0% yepesenti yokuqalisa i-APR ekuthengeni kunye nokuhanjiswa kwemali kwinqanaba lokuqala lokuhlawula i-15. Emva koko, u-APR oguqukileyo unama-10.49 ekhulwini ukuya kuma-22.49 ekhulwini ngokusekelwe ekutyala kwakho. Kubalulekile ukuba uqaphele ukuba iikhompyutyala zokuhlawula ezili-15 ziya kuba mfutshane kuneenyanga ezili-15 kuba imijikelezo yokuhlawula ngokuqhelekileyo ijikeleze iintsuku ezingama-25 ukuya kwezingama-29 ubude. Isilinganiso sakho sokunyusa siya kuqhubeka malunga neenyanga ezi-13-14 ngokuxhomekeke kubude bomjikelo wokuhlawula.
Ukudluliselwa kwemali kuhlawulwa iipesenti ezi-3 zentengiso okanye i-$ 5, nawuphi na omkhulu. Inkokhelo yokuhlawula imali ehlawulwayo incike kwintlobo yokuthengwa kwangaphambili kwemali oyenzayo, umzekelo, ukuhamba kwangaphambili kwemali evela kwi-ATM ihlawuliswa intlawulo eyahlukileyo kunexesha elilinganayo lemali. Inkqubela phambili yemali kufuneka igwenywe, ingakumbi kuba iqala ukufumana inzala ngokukhawuleza, kodwa nangenxa yokuba iintlawulo zakho ziya kwahlula phakathi kwamanani kunye nokungenasithakazelo.
I-US Bank Visa Platinum Card ithola inzuzo yePlatinum Visa Card njengenkululeko yokukhwabanisa, ukukhuselwa kobuqhetseba, inshorensi yokuqeshisa ngemoto, kunye neebhanki kwi-intanethi.
Akukho ntlawulo yonyaka. Imirhumo yexesha elihlawulelwayo ihlawuliswa ukuya kuma-37.