Ikhadi elincinci loMvuzo weeNkathazo eziKhathazayo
Ikhadi elicacileyo elivela kwi-American Express linikeza imivuzo ngokuzenzekelayo, ngaphandle kwemali yokugqibela okanye yokukhawuleza.
I-AmEx Clear Card Basics
Ikhadi elicacileyo elivela kwi-American Express lenzelwe abantu abafuna ukuphepha ukuhlawulwa kwexesha elide kunye nokukhawulelana kwemali kodwa bafuna umvuzo, nabo. Njengokuba kukho ezininzi zekhadi laseMelika Express, uzakufuna ukulungelelanisa ngetyala (660+) ukuze ufaneleke.
Ikhadi elicacileyo linika inzala engama-0 kwiinyanga ezintandathu ukuya kwezi-12 ekuthengeni, ngoko kuthengwa kwe- APR , ephakathi kwe-17.24 kunye ne-21.24 ekhulwini ngokuxhomekeke ekutyala.
Ukuba unelungelo lokuhlawulwa kwekhadi, uya kukhangela isigwebo se-27.24 sepesenti u-APR.
Mhlawumbi into ephosakeleyo kakhulu ngeCard ecacileyo kukuba ayithwala iirhafu zekhadi lesikweletu :
- Akukho ntlawulo yonyaka
- Akukho mali yokuthumela imali
- Akukho mali yokuhlawula imali
- Akukho mrhumo wexesha lokuhlawula
- Akukho ntlawulo yentlawulo ebuyisiwe
Iinkonzo kunye neNgxowa yeKhadi eliCacileyo
Iinkonzo
- Akukho mrhumo wexesha elide okanye ngaphezulu
- Akukho tshintshelo lwebhanki okanye imali yokuhlawula imali
- Imbuyekezo ngokuzenzekelayo, ehlawulwa njengekhadi lokuthenga le-American Express *
- Ukukhuselwa kwesiqinisekiso semvume yokuthenga iwaranti
* equka Ipesenti e-1 imali emva kokuthenga konke
Umxhasi
- Ipesenti yeeNqanaba eziPhakamileyo zonyaka (APRs).
Cima iKhadi evela kwi-American Express Review
Ikhadi lokuCacisa likaCiti libiza ukuba ayikho-ikhathalodi yekhredithi yokukhathazeka ngabantu abachaphazelekayo ngemali yokugqibela kunye nemirhumo engaphezulu. Kodwa iKhadi elicacileyo elivela kwi-American Express liphakamileyo ngokucacileyo. Ayinayo kuphela into efana neyona ndlela efana noCiti Simplicity, ibuye ihlawule kakuhle, izenzekelayo-ezilula - imivuzo.
Njengokulula, akukho mali yokugqibela okanye yokukhawulela, nangona kukho isigwebo se-27.24 sepesenti u-APR ukuba uthe wafika emva kwe ntlawulo. I-Amex iphinda ihambe amanyathelo amancinci angabikho ukuhanjiswa kwemali okanye ukuhlawulwa kwangaphambili kwemali, nangona i-APR iphakame kakhulu ukuba inganconywa ukwenza enye yezo zinto. Kukho i-0% yezinga lokusungula ekuthengeni, kodwa kungabikho ukuhanjiswa kwemali.
Umehluko omkhulu phakathi kweli khadi kunye noLula luyimbuyekezo. Nangona ukulula kungenanto, Cima i-1 yeepesenti zemali emva, ezithunyelwa ngokuzenzekelayo kuwe ngendlela yekhadi lokuthenga le-American Express emva kokuba ufumane i-$ 25 kwimbuyekezo okanye emva kwe-$ 2,500 kwiindleko. Ngoku kulula. Uninzi amanye amakhadi afuna ukuba uhlawulele umvuzo wakho, okanye ulahlekelwe yiyo.
I-AmEx ikwazisa iwaranti enye kunyaka owongezelelweyo xa uthengiweyo okwenza ngale khadi.
I ngcebiso
Ukuqhathaniswa nekhadi le-Citi's Simplicity, le khadi "intando" eyintandokazi.
Ixabiso lekhadi lokuthenga ngetyala, imiqathango kunye nemivuzo iya kutshintsha. Hlola iwebhusayithi ye-issuer yamakhadi okwenza iikharityhulam zakutshanje.