Iintlobo Zemivuzo Yemivuzo Yemali
Imivuzo ngokubanzi iwela kwelinye leendidi ezintathu: imali, amanqaku okanye iikhilomitha. Imivuzo yemali iyona ecacileyo kwaye ilula ukuyisebenzisa. Nangona kunjalo, amakhadi omvuzo wemali ayisoloko ehlawula ngemali. Ezinye iinkqubo zivumela ukuba uhlawule umvuzo wakho wemali njengesikolo-mali kwi-akhawunti yakho (phawula ezi zi khredithi azibonakali njengentlawulo kwi-akhawunti yakho).
Abanye baya kuthumela isheke okanye benze idiphozithi kwi-akhawunti yakho yasebhanki xa ufuna ukuhlawulela umvuzo wakho. Okanye, unako ukuhlawulela umvuzo wakho wemali yamakhadi kunye nabalingani bakho bamashishini abaniki bamakhadi. Ngokuqhelekileyo kufuneka uhlawulele umvuzo wakho kwizikolo ezithile, njengama-$ 25, okanye ubuncinane ubuncinane. Hlola ukuhlaziywa kwemali engcono yemali yamakhadi esikweletu.
Imivuzo yePalenti inikezelwa ngokusekelwe kwidola ngalinye ochithayo, umzekelo, enye ngongoma nge dollar. Iingongoma ziyakwazi ukukhuselwa ngokuthengisa kwiprogram yokuthenga i-intanethi.
Ngokuxhomekeke kumnikezeli wekhadi, unokukwazi ukukhusela amanqaku akho ngamakhadi wesipho, imali, okanye uhambo. Ukubuyisela amaphuzu akho ngamakhadi wesipho kunokunika ingxowa yakho yebhakeni yakho kuba iqabane elithile labathengisi likunika 10 ukuya kwi-20% kwixabiso lekhadi lesipho. Imizekelo yamakhadi avuzwa ngamaphupha aquka amakhadi okufumana umvuzo kunye namakhadi okufumana ihotele.
Amakhadi okanye umvuzo wemikhakha yokuhamba ikuvuza ngeekhilomitha ozikhuphelayo kwiikiti zamatekisi. Inani leekhilomitha onokufumana lihluka ngekhadi lekhredithi kunye nenani leekhilomitha ozifunayo ukuthenga inqwelo-moya iyahluka ngohlobo lwexesha lokuhamba. Unokwazi ukuguqula umama phakathi kweeprogram, kodwa unokulahlekelwa ngamaphuzu athile kwinkqubo yokuguquka. Nazi ezinye iimpendulo zokuhamba umvuzo wemakhadi-mboleko.
Ungasebenzisa imivuzo yezinto ezahlukeneyo. Imivuzo yemali ingakunceda ukunciphisa ibhalansi yakho yekhadi lesikweletu. Imivuzo yokuhamba ingakusiza ufumane iindwendwe ezikhululekile wena kunye nabathandekayo bakho. Ungasebenzisa imivuzo ukuthenga izipho kunye nezipho zokuzalwa. Unokutshala imali leyo oyifumanayo. Ngokomzekelo, iMbuyekezo yemivuzo yeTrust Sign Visa ifaka imivuzo yakho kwi-akhawunti yezobalo-mali. I- Wells Fargo Home Rebate Card isebenzisa umvuzo wakho wokunciphisa imali yakho.
Tiered vs. Mvuzo Wemivuzo
Unokufumana inamba ehleliweyo yembuyekezo nganye idola oyichithayo. Okanye, unako ukufumana imali encinci yembuyekezo kwiidola zokuqala ozithengayo kunyaka kunye nemali emininzi yembuyekezo xa ufikelela kumbindi othile. Sekunjalo, amanye amakhadi enkoleko ahlawula umvuzo ophezulu kwiindidi ezithile kunye nomvuzo omncinane kuyo yonke enye imali.
Iintambo
Iiprogram zekhadi zekrediti ezilungileyo zifumaneka kuphela kubaxhasi abanezikolo eziphezulu zekhredithi. Ukuba umlinganiselo wakho wekhredithi udinga ukuphuculwa unganakho ukufumana umvuzo wemakhadi ekredithi.
Amakhadi amaninzi ahlala neendleko eziphezulu kunezinye amakhadi ezikolo. Ngokomzekelo, iifizi zonyaka ziqhelekileyo ngamakhadi okufumana umvuzo, ngamanye amaxesha aphezulu njenge $ 200 okanye $ 300. Akunjalo nje kuphela, ukuvuza amakhadi aneentlawulo eziphezulu kakhulu kunamanye amakhadi esikwereti, oku kuthetha ukuba akufanele uhlawule umgca kwikhadi lomvuzo.
Iiprogram zembuyekezo zide zilula. Umzekelo, inkqubo inokuthembisa ukukuvuza 5%, kodwa qiniseka ukuba ukhangele i-asterisk ebonisa ukuba ukuprinta okuncinci kukuxelela ukuba awufumani loo mpahla ye-5% uze uchithe ubuncinci be-$ 3,000 yakho khadi kunyaka wekhalenda. Kukho izithintelo, iifowuni, inani elincinci lokuhlengwa elenza kube nzima ukukhupha umvuzo wakho.
Abaniki bamakhadi ngekhadi banokutshintsha kwakhona inkqubo yabo yemivuzo ngaphandle kwesixwayiso, ngoko qi ni sekise ukuba ufunda yonke into ezayo kunye nesitatimenti sakho sokubhatala.
Ayikho yonke imivuzo ingunaphakade. Ezinye iinkqubo zemivuzo ziphelelwa ngumvuzo wakho xa ungazisebenzisi ngexesha elithile. Iiprogram zemvuzo ezilungileyo azivumeli ukuba umvuzo wakho uphele, kodwa ezininzi iinkqubo ziya kulahlekelwa umvuzo wakho xa uwa emva kweentlawulo zekhadi lakho lesikweletu.
Ngaphandle kokushicilelwa kakuhle, ityala yenye into omele uyiqaphele ngembuyekezo yamakhadi esikwereti ( Indlela yokugwema iRhafu yeMatyala eKhadi ). Ukuba uhlala uhlawula umvuzo kunye neebhonasi, unokukhawuleza ibhalansi yekhadi lesikweletu ongenakho ukuhlawula.