Ukufumanisa ukuba unokuqalisa ikhadi elikodwa lokuthenga ngetyala kwikarhwebo, kungekhona into engaphantsi ilindeleke kwikampani yekhadi lesikweletu ebeka "iphakamileyo kunazo zonke ekuthengisweni komthengi" yi-JD Power kunye nama-Associates.
Ukufumanisa iKhadi leMatyala eliKhuselekileyo libetha amanqaku amaninzi ekhredithi ngokwexesha lentengo kunye nembuyekezo. Impendulo yodwa kukuba ifuna idiphozithi yokhuseleko.
Imivuzo kwiKhadi leMali eliKhuselekileyo!
Kunzima kubantu abanekhredithi embi ukufumana umvuzo wekhadi lesikweletu .
Amanqaku amaninzi eemali-mboleko kula manani ayenayo, ahlawule imali ephezulu kunye nomdla kulaba bathengi abasemngciphekweni.
Ukukufumanisa okukhuselekileyo kuhlawula i-2% yemali emva kokutya kunye neerhasi ukuthengwa ukuya kwi-$ 1,000 nganye kwikota (ubuninzi bee-20 ngekota) kunye no-1% kuzo zonke ezinye izinto zokuthenga.
Abanini bamakhadi abatsha bafumana imali ephindwe kabini ekupheleni konyaka wokuqala. Akukho bhonasi imali emva konyaka wesibini, kodwa uya kuzuza imivuzo kwizinga eliqhelekileyo. Ngethemba ngethuba lonyaka unyaka ombini, uya kuphucula umlinganiselo wakho wekhredithi malunga nento engcono, njengokuba mhlawumbi uyifumanisa , ehlawulela kwi-5% kwiiklasi ezijikelezayo ngekota.
I-Deposit yakho i-Credit Limit yakho
Uninzi lwamakhadi zekredithi anike umda wekhredithi ngokusekelwe kwingeniso nakweminye imboleko. Amakhadi ekhredithi aqinisekileyo, ngakolunye uhlangothi, afuna ukugcinwa kwekhuseleko lokubambisana ngokumalunga nomda wemali.
Ngokukufumanisa iKhadi leMatyala eliKhuselekileyo, ukhuseleko lwakho lube ngumda wakho wesikweletu.
Ukuhlawula imali encinane yokukhusela i-$ 200 kwi-200 yemali yemali. Unokwenza idiphozithi ibe yi-$ 2,500.
Ikhuseleko lokugcina imali lisetyenziselwa kuphela xa ungagqibekanga kwikhadi lakho lesikweletu. Ngaphandle koko, ngokungakhathaliseki ukuba wenze intlawulo yakho yenyanga nganye ngexesha kwaye ungagqibekanga, uya kufumana idiphozithi yakho xa uvala i-akhawunti okanye ikhadi lakho liguqula kwikhadi lekhredithi elingakhuselekanga.
Emva konyaka, i-Discover ithi iya kuhlaziya ikhadi lakho lekhredithi nganye ngenyanga ukuqinisekisa ukuba ngaba ufanelekile kumgca wesikweletu ongakhuselekanga. Sebenzisa ikhadi lakho lekhredithi ngokufanelekileyo malunga nethuba elihle lokufumana ilungelo.
Ixabiso
Akukho mrhumo wonyaka - into engavumelekanga kwikhadi lekhredithi elikhuselekile.
Ukuthengwa rhoqo kwe-APR ngu-23.24%, okona kuphakamileyo, kodwa kunye namanye amakhadi enkoleko aqinisekileyo kunye namakhadi e-credit card kubantu abanekhredithi embi. Ukuba uhlawula ibhalansi yakho ngokugcwele inyanga nganye - kwaye kufuneka - unokuphepha ukuhlawula umrhumo kwibhalansi yakho.
Ukufumanisa iKhadi eliKhuselekileyo linika isantya esincinane sokungena kwi-balance transfer: 10.99% kwiinyanga ezintandathu zokuqala ekudlulisweni okwenziwe ngoMeyi 10, 2016. Emva kokuba ukuhanjiswa kwebhanki kufumana u-23.24% we-APR. Ukudluliselwa kwemali kuhlawulwa kwentlawulo ye-3% yemali yokuthumela imali. Ukutshintshisa ibhalansi, i-deposit yakho yokukhutshwa kufuneka ibe yanele ngokwaneleyo ukufumana ibhalansi kunye nentlawulo. Emva koko, ukuba unako ukufumana ukuba ukhululo lokukhutshwa kwephepha, mhlawumbi kungcono ukuhlawula ibhalansi.
Ukuqhubela phambili kwemali kuhlawuliswa ngo-APR ka-25.24% kunye nentlawulo engaphambili yemali engaphezulu kwe-10 okanye 5%.
Iintlawulo eziHlawulekileyo ezihlawulwa phantsi
Kufuneka uhlale uzama ukwenza ityala lakho kwikhadi lekhredithi ngexesha. Iimpazamo zenzeke kwaye Ukufumanisa akuyi kuhlawula imali ekufutshane emva kokuhlawulwa kwakho kokugqibela.
Ukuhlawulwa kwexesha elifutshane (kunye neentlawulo ezibuyiselwe) kuya kuhlawuliswa ukuya kwi-$ 35 ehlawulwa ngokukhawuleza.
Akukho sikhotho u-APR - oko kuthetha ukuba inzala yakho ayiyi kunyuka xa uwela emva kweentlawulo zakho ngeentsuku ezili-60.
I-FICO Score Free
Ukufumanisa ngenye yezinto ezincinci zokukhishwa kwamakhadi ezitalithi ezenza kube lula ukujonga ilungu lakho lekhredithi. Fumana isikolo samahhala seFICO inyanga nganye kwintetho ye- credit card yakho . Awunayo ukuba ubhalisele nantoni na eyongezelelweyo okanye uhlawule umrhumo wenyanga. Amanqaku aya kubonakala ngokuzenzekelayo.
Isikolo samahhala seFICO sibaluleke kakhulu kubathengi abasebenzela ukwakha i-credit yabo. Njengoko wenza iintlawulo zakho ngexesha kwaye uphatha kakuhle ikhadi lakho lekredithi, unokubona ukuba amanqaku akho ekhredithi aphucula njani.
Okunye Fumana Iingenelo
Ukufumanisa abasebenzisi beKharityiweyo beKharityiweyo banokuyonwabela nezinye iifayile ezinokuthi u-0% uxanduva lokukhwabanisa kunye neFreeze it, iimpawu ezikuvumela ukuba uvule ikhadi lakho lesikweletu kwaye ukhuphe ukukhusela okanye ukuvumela ukuthengiswa okusha.
Ukufumanisa iKhadi leMatyala eliKhuselekileyo liphelele kumntu owakhayo okanye owakhiwa kwakhona amanqaku ekhredithi. Unokufaka isicelo sekhadi ngqo kwiDiscover.com/securedcreditcard.