Hambisa ibhalansi yakho kwelinye ikhadi uze ugcine amakhulu
Ungagcina amakhulu ama-dollar ngokuhambisa ibhalansi yezinga le-high-interest kwibhanki yekredithi yokutshintshela ibhalansi kunye nenani lezentengo zokuqala. Xa kuziwa ukulinganisela ukutshintshela amakhadi ekhredithi, ixesha elide lokuqala, lingcono. Oku kukunika ixesha elingakumbi lokuhlawula ibhalansi yakho kwaye ukhuphe ngokupheleleyo ukuhlawula umdla.
Kukho izinto ezimbalwa ezingenza ipesenti zerhafu yokutshintshwa kwekhadi lekhredithi ngokubhetele - akukho mali yokudlulisela ibhalansi, ipesenti zentengo ekuthengeni, kunye nembuyekezo. Amakhadi ekhredithi kwiluhlu lwethu konke anikezela ngeenzuzo ezongezelelweyo phezulu kwesantya esikhulu sokuqala. Njengoko ukhetha ibhalansi yekhredithi yokutshintshela ibhalansi, qwalasela ubude bexesha lokuphromotha kunye nendlela ongayisebenzisa ngayo ikhadi le khredithi emva kokuba ixesha lokuphromotha seliphelile.
01 Eyona nto ingenayo Imali yokuTshintshiselwa kweBhalance: Chase Slate
Xa udlulisela ibhalansi enkulu, imali yokudlulisela imali iyakongeza. Nge-Chase Slate, awuyi kuhlawula irhafu yokudlulisela imali kuyo nayiphi na ibhalansi oyithumelayo kwiintsuku ezingama-60 zokuvula i-akhawunti yakho. Emva koko, imali yokulinganisela i-pesenti yesihlanu yemali edluliselwe okanye ubuncinci be-$ 5, nayiphi na enkulu. Kwi-balance ye $ 10,000, uza kusindisa i-$ 500 nje ngokutshintshe imali yakho ngokukhawuleza.
Jabulela ipesenti yeepesenti yo-APR ngomhla wokuthengwa kunye nokuhanjiswa kwemali kwiinyanga ezili-15 ukususela kwi-akhawunti yokuvula. Emva koko, i-APR yama-15.99 ukuya kwi-24.74 ipesenti iyasebenza. Akukho mrhumo wonyaka kwaye akukho nhlawulo APR xa ulahlekelwa intlawulo.
Njengomgcini wekhadi le-Chase, ungahlala phezulu kwinqanaba lakho lekhredithi kunye nokufikelela kwisikolo samahhala seFICO inyanga nganye, kwakunye neendlela ezi-5 eziphambili ezichaphazela amanqaku akho.
Ixesha lexesha elide kakhulu lokuzisa: Citi Simplicity
Ukuba ufuna ixesha elingakumbi lokuhlawula ibhalansi enkulu, iCiti Simplicity yikhadi elihle kakhulu kuwe. Ipesenti ye-zero yokuqala ye-APR ekuthengeni kunye nokuhanjiswa kwemali ekupheleni kweenyanga ezingama-21. Kuthe phantse iminyaka emibili engenakunomdla kwi-balance. Emva koko, i-APR rhoqo i-15.24 ukuya kuma-25.24 ekhulwini, ngokusekelwe ekutyala kwakho. Uya kufuneka uhlawule umrhumo wokubhalwa kwemali ongaphezulu kwe-$ 5 okanye ipesenti ezintathu zexabiso ngalinye lokudlulisela.
Ikhadi liyayigcina iyilula ngaphandle kweemali ezidlulileyo, akukho ntlawulo yesigwebo kwaye akukho ntlawulo yonyaka. Khetha usuku lwakho lokuhlawula olufanelekile lokuwa nanoma yimiphi imini ngenyanga.
Njengomgcini wekhadi le-Citi, ufumana ukufikelela kwi-Citi Price Rewind, into ebuyisela kuwe ukungafani kwexabiso kwizinto ezithengiweyo kwikhadi lakho.
03 Eyona ndlela ingcono kwi-5% Imali yemivuzo: Yifumene nayo
Ukuba ufuna ukufumana umvuzo kwikhadi lakho lesikweletu emva kokuba uhlawule ukutshintshela ibhalansi yakho, ngoko Ufumanisa ukuba lukhethi olufanelekileyo. Okokuqala, ungasebenzisa inzuzo yepesenti yePesenti yokuqala yeePesenti ezithatha iinyanga ezili-14 ekuthengeni nasekuhanjisweni kwemali. I-APR rhoqo i-11.99 ukuya kuma-23.99 ekhulwini. Ukuba unembali yamatyala entle, uya kufumana inzala engaphantsi. Imali yokudluliselwa kwemali kwi-Discover yi-3%.
Ukuthenga kufanelekile ukufumana umvuzo wembuyekezo. Uya kufumana imali engama-5 ekhulwini ngemali ukuya kwii-1,500 zamaxabiso ekuthengeni kwiindidi ezijikelezayo nganye kwikota ngelixa ubhalisa kwi-intanethi okanye nge-app yeselula. Zonke ezinye izinto ezithengwayo zifumana enye ipesenti zemali. Njengebhonasi yabanini bamakhadi abatsha, Ukufumanisa kuya kuhambelana ngokuthe ngqo kunye nemali oyibuyisele yona ekupheleni konyaka wokuqala.
Ezinye izinto ezikhuselekileyo: Khuphela kwi-akhawunti yakho / ukucima itshintsho kwi-akhawunti yakho ukukhusela ukusetyenziswa okungagunyazisiweyo kwekhadi lakho lesikweletu (okanye ukuzigcina ungayisebenzisi kude uhlawule imali yokutshintshela ibhalansi yakho). Ngaphezulu fumana ifayile yakho yeFICO mahhala kwisitatimende sakho senkokhelo yenyanga.
04 Eyona ndlela ihamba phambili kwiCash Back Cash Back: Citi Double Cash
I-Citi Double Cash nayo inexesha lokudlulisa ibhalansi elide. Jabulela ipesenti yeepesenti yo-APR ngomhla wokuhanjiswa kwemali kwiinyanga ezili-18. Emva koko, i-APR i-14.74 ukuya kuma-24.74 ekhulwini. Imali yokudlulisela imali i-$ 5 okanye ipesenti ezintathu zexabiso lokudlulisa, nokuba ngubani omkhulu. Ukudluliselwa kwemali kufuneka kugcwaliswe kwisithuba seenyanga ezine ukuvula i-akhawunti ukufumana isantya sokunyusa. Uya kufuna ukwenza ukuhanjiswa kwemali ngokukhawuleza, ukuze usebenzise ngokusisigxina ixesha elide lokuphromotha.
Ekubeni isantya sokunyusa asifaki ukuthenga, uya kuqhuba inzala kuyo nayiphi na into oyithengayo kwikhadi lekhredithi-nangona uhlawula i-balance balance shopping. Kungcono ukulinda de ube uhlawule ukutshintshela ibhalansi yakho ukuthenga.
Xa uqala ukuthenga usebenzisa i-Citi kabini yemali, ukuthenga kwakho kuya kufumana ipesenti enye emva kokuba uyenze kunye nepesenti enye emva kokuba uyihlawule. Yilapho "i-double" kwiCiti yeCash Double cash evela.
Akukho ntlawulo yonyaka kwi Citi kabini yemali.
05 Imiphumo emihle ye-Tiered: iBlueCash Dailyday Card esuka kwi-American Express
I-BlueCash Dailyday Card evela kwi-American Express inikeza ipesenti yeepesenti yo-APR ngomhla wokuhanjiswa kwemali kunye nokuthengwa kweenyanga ezili-15 zokuqala. Emva koko, i-APR i-14.24 ukuya kuma-25.24 ekhulwini.
Ukufumana imali engama-$ 150 ngemali xa uchitha i-$ 1,000 kwikhadi lakho lekhredithi kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ngelishwa, ukuhanjiswa kwemali kungabalwa malunga nokufumana ibhonasi yokuchitha. Uya kufuneka wenze ukuthenga ukuba ufuna ukufumana ibhonasi.
Xa usuqala ukusebenzisa ikhadi lakho lekredithi ngokuthenga, uza kufumana imali emithathu yeepesenti kwiivenkile ezinkulu zase-US ukuya kwii-6,000 zamawaka ngonyaka; Iipesenti ezimbini zeemali kwiSiteshi ze-US kwaye ukhethe izitolo zaseMzantsi Afrika kunye neepesenti enye imali emva kwayo yonke into.
Akukho ntlawulo yonyaka kwiBlueCash Dailyday Card esuka kwi-American Express.
06 Ikhadi leMiphumo ye-Airline Best: I-JetBlue Plus Card
Ikhadi le-JetBlue Plus lidibaniso elikhulu lokutshintsheliswa kwemali kwaye i-airline ivuza umvuzo wekhadi lesikweletu. Ikhadi inikeza ipesenti yeepesenti yo-APR ngomhla wokutshintsheliswa kwemali kwinqanaba lokuqala lokuhlawula i-12 (inqaku lokuba imijikelezo ye-12 yemivuzo iya kuba mfutshane nje kunonyaka opheleleyo wekhalenda). Imali-mali kufuneka idluliselwe kwiintsuku ezingama-45 zokuqala ukufumana imilinganiselo ekhethekileyo. I-APR rhoqo i-12.99, 20.99 okanye i-25.99 ekhulwini kuye kuxhomekeke ekutyala kwakho.
Unayo ithuba lokufumana amanqaku amabhonasi angama-30 000 emva kokuchitha i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90. Qaphela - ukuthengwa akunalo izinga lokunyusa kwaye kuya kubangela umdla xa unesibini ukuthenga ibhalansi kunye ne-balance balance balance kwikhadi lakho lesikweletu.
Ukuba usebenzisa ikhadi lakho lesikweletu ukuze uzuze umvuzo emva kokuba uhlawule ukutshintshela ibhalansi yakho, uza kufumana amanqaku ayisithupha nge dollar kuyo yonke into yokuthenga i-JetBlue; Amanqaku amabini nge dollar kwiivenkile kunye neevenkile zokutya; kunye nenqaku elilodwa okanye idola kuzo zonke ezinye izinto zokuthenga. Hlawulela amanqaku akho nayiphi na isihlalo kwii-JetBlue eziqhutywe ngeenqwelo-moya kwaye ujabulele isikhwama sakho sokuqala esikhishwe ngaphandle.
Kukho umrhumo wonyaka wama-99 kwaye akukho mali yokuthengiswa kwamanye amazwe.
07 I-Best Best for Students: Ibhanki yaseMerika Ukuhamba Iintlawulo zabaFundi
Ibhanki yaseMerika ihamba Iingxelo zabaPhupheli beeKota zeKharityhulam zabafundi zinikela ngenani lepesenti yokuqala inzala xa kuthengwa imijikelezo yokuqala yokuhlawula i-12. Emva koko, i-APR rhoqo i-15.99 ukuya kuma-23.99 ekhulwini.
Abafundi banalo ithuba lokufumana amanqaku amabhonasi angama-20 000 emva kokuchitha i-$ 1,000 kwiintsuku zokuqala ezingama-90. Qaphela nje ukuba awuyi kuhlawula ibhalansi ongeke uyihlawule ngokungeza ukuthenga kunye nokuhanjiswa kwemali kwikhadi elilodwa lekhredithi. Ukuba ugqiba ukuyisebenzisa, ibhonasi engama-20 000 inokuhlawulelwa kwi-200 yemali yengxelo malunga nokuthengwa kohambo olwenziwe kwikhadi lakho lesikweletu.
Ukuthenga kufumana iipalenti eziyi-1.5 nge dollar. Unokufumana i-bonus yepesenti ye-10 kwimbuyekezo yakho ukuba unayo i-Bank of America esebenzayo yokujonga okanye yokugcina i-akhawunti. Ibhanki yaseMerika yenza kube lula ukuqhubeka kunye neklasi lakho lekhredithi ngokwenza umlinganiselo wakho weFICO ufumaneke mahhala kunye nesitatimende sakho senyanga.
Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.