Fumana umvuzo kwiindawo ozithandayo ukuthenga
Ukugcina amakhadi enkredithi ahambelana nomkhwa wolondolozo kunye nakwezinye izitolo zoodade ezineenkampani enye. Ukugcina amakhadi enkredithi kukunika amandla okuqokelela imivuzo ongayifumana ekuthengeni kwangaphambili. Ezinye iigcredit cards zibonelela ngeenkonzo ezikhethekileyo zemali ezivumela ukuba uhlawule ibhalansi yakho phezu kwexesha.
Gcina ukhumbule ukuba inkxaso ekhethekileyo kumakhadi ekhredithi yesitorethi ngokuqhelekileyo kuthetha intsingiselo emiselweyo. Umele uhlawule ibhalansi yakho epheleleyo ngexesha lokuxhaswa okhethekileyo, mhlawumbi, uza kutshatyalaliswa nomdla wokuphinda uthandane nomhla oqale wavula i-akhawunti yakho.
Xa ukhetha ikhadi lekhredithi yesitolo, jonga iimbuyekezo kunye nezaphulelo, ukuxhaswa ngokukhethekileyo kwemali, inzala, kunye nokukwazi kwakho ukusebenzisa ikhadi lekhredithi ngokuthenga ngaphandle kweso sitolo esithile.
01 Ilungelelaniso kwiingubo: i-Gap Visa
Bhalisa kwi-Visa ye-Gap uze ufumane ipesenti ezingama-20 ekuthengeni kwakho kwe-intanethi yokuqala kunye nokuthunyelwa kwamahhala. Ekubeni i-Gap Visa yintengiso ye-credit card esetyenzisiweyo, oku kuthetha ukuba idibene nenethiwekhi enkulu yokucwangcisa amakhadi, ungayisebenzisa ngaphandle kweendawo zokugcina i-Gap apho i-Visa credit cards yamkelwe.
Nge-Gap Visa yakho, uya kufumana amanqaku amahlanu kuyo yonke i-$ 1 eyi-GAP, i-Old Navy ne-Banana Republic; kunye nenqaku eli-1 kuyo yonke i-$ 1 idliwe yonke indawo. Uya kufumana umvuzo we-$ 5 kuwo onke amanqaku ama-500 owafumanayo. Ngakumbi ujonge iipesenti ezili-10 kwiintsuku zonke ezithengayo kwii-Gap ne-Gap Factory ezitolo, iintsuku zokuthenga iibhonasi, kunye nesipho esikhethekileyo ngosuku lwakho lokuzalwa.
Emva kokuba ufumane amaqaku angama-5 000 kunyaka wekhalenda, uya kuphuculwa kwi-Gap yeSimo seSiliva esinika ipesenti zebhonasi zekota nganye Iintlawulo zemivuzo, ukuthumela nge-intanethi ngaphandle kokuthenga okuncinci okufunekayo, ukuguqulwa okusemgangathweni kwintengiso kwi-Banana Republic kunye nokufikelela " Usuku Lokuthengiswa Kwakho. "
Intengo ebalulekileyo : APR i-25.74 iphesenti kwaye akukho ntlawulo yonyaka.
02 Best for Toys: Amathoyizi "R" Njena MasterCard
Ukuba uhlala uthengela izinto zamathoyizi okanye izinto zezingane, i-Toy "R" I-MasterCard yinto enhle ukuba ibe nekhredithi yakho. Ekubeni i-MasterCard, unokuyisebenzisa apho i-MasterCard yamkelwe khona, ikunika amandla okufumana umvuzo ongaphezulu kwimpahla yakho.
Xa ufaka isicelo kwi-akhawunti ye-intanethi, uya kuba nenketho yokufumana i-15 ekhulwini ekuthengeni kwakho kokuqala okanye ngemali ekhethekileyo (ekuthengeni ngaphezulu kwe-$ 299). Iimali ezikhethekileyo kukunika ithuba lokuhlawula ukuthenga kwakho ngexesha elide kwaye ugweme ukuhlawula nayiphi na inzala.
Uya kufumana amanqaku amabini nge dollar kwi-Toys "R" thina kunye neentsana "R" Sithenga kunye nenqaku elilodwa kuyo yonke i-$ 4 esetyenziswe kwi-MasterCard ukuthenga. Uza kufumana i-$ 5 kwi-"R" Sinika iMali Yokubuyisela amaDola onke amanqaku angama-125 oqokelela.
Intengo ebalulekileyo : APR i-26.99 iphesenti kwaye akukho ntlawulo yonyaka.
03 Eyona ndlela efanelekileyo kwi-Electronics: Best Buy Credit Card
I-Best Buy Credit Card ikuvumela ukuba ufumane imivuzo onokuyisebenzisa kwiiNtengo ezithengileyo eziThengiweyo. Okanye, ngokuthengwa okuthile, unokukhetha imali ekhethekileyo ekunika ukulungelelanisa ukuhlawula ukuthenga ngexesha elide.
Fumana ipesenti ezili-10 kumbuyiselo ekuthengeni kwakho kokuqala. Khetha phakathi kweepesenti ezingama-5 emva kwimbuyekezo okanye imali eguquguqukayo. Ukuba ukhona kwimarike ye-electronics okanye iifowuni ezinkulu, i-Best Buy Credit Card iyona mkhulu ukufumana umvuzo okanye ukuphula ukuthenga kwakho kwiintlawulo kwaye ukhuphe ukuhlawula umdla.
Ubude bexesha lokuxhaswa kwemali ekhethekileyo kuxhomekeke kwisixa sakho sokuthenga: ukuthenga i-$ 199 kwaye uphelele iinyanga ezi-6 zezimali ezizodwa; uthenge i-399 yee-3 kwaye ufike kwiinyanga ezili-12 zezimali ezizodwa; Izixhobo ezinkulu zokuthenga zifumana iinyanga ezili-18 zemali ezikhethekileyo.
Ixabiso elibalulekileyo : IP APR rhoqo ngama-26.49 ekhulwini kwaye akukho mali yonyaka.
Eyona ndlela ihamba phambili yokuthumela ngokukhawuleza / Intengiso ye-Intanethi: I-Amazon Prime Store Card
Ikhadi leNgcaciso lase-Amazon lihlawula imali engama-5 ekhulwini kwizinto zonke ezithengiweyo kwi-Amazon.com. Ngaphandle kubulungu bakho be-Amazon yokuqala (efunekayo ukuze ufumane ikhadi), uya kufumana ukuhamba kweentsuku ezimbini kuzo zonke iimpahla ezifanelekileyo.
Uya kuba nekhetho lokukhetha phakathi kweefesenti ezintlanu zemali emva okanye imali ekhethekileyo ekuthengeni malunga nemali ethile. Ukuthengwa ngaphezulu kwe-149 yeeRhafu kufaneleke kwiinyanga ezintandathu zokuxhaswa ngeemfuno ezikhethekileyo kunye ne-$ 599 okanye ngaphezulu kufaneleke kwiinyanga ezili-12 zemali ezikhethekileyo. Ezinye izinto zifaneleke kwiinyanga ezingama-24 zezimali ezizodwa. Ukuba unako ukuhlawulela ibhalansi ngokupheleleyo kwiintsuku ezingama-30, i-five percent cash back back is inzuzo engcono.
Hlalani nikhumbule i-Amazon Prime Store Card ingasetyenziselwa kuphela kwi-Amazon.com, into engeyona into embi ngokuqwalasela ukukhethwa kwemveliso ye-Amazon. Ukuba uchitha imali engaphezulu kwama-2,000 e-Amazon ekuthengeni ngonyaka, imivuzo emihlanu yeepesenti iya kukuvumela ukuba uchithe ubulungu bakho obuyinkokheli eyi-$ 99 ngonyaka.
Intengo ebalulekileyo : I-APR i-25.99 iphesenti kwaye akukho ntlawulo yonyaka.
05 I-Best for Dailyday Shopping: Target REDCard
Isaphulelo esisihlanu sepesenti esinikwe nge-Target REDCard kunzima ukubetha. Abathengi abathengi banokufumana isaphulelo sepesenti ezintlanu kuzo zonke izinto ezifunekayo kwansuku zonke kunye nokuthengwa kwe-intanethi imihla ngemihla, nakwii-Starbucks ezithengiweyo. Isaphulelo sisetyenziswe ngokuzenzekelayo ekuthengeni xa ubenza-akudingeki ukuba uqokelele umvuzo okanye uphendule naziphi na izatifikethi zokufumana umvuzo. Uza kufumana nokuthunyelwa kwamahhala kwizinto ezininzi ezithengiswa kwiTalget.com.
Kukho ezimbalwa iziphumo zokuthengwa kwezaphulelo, kubandakanywa kodwa ezingaphelelanga kuye: imimiselo, iinkonzo zekliniki kwiimvavanyo zamehlo ezijoliswe kuTget and Target Optical, amakhadi eziphoso kunye namakhadi ahlawulwe, kunye neenkonzo zokugoba isipho kwi-Target.com.
Uya kufumana iintsuku ezingama-30 ukubuyisela izinto ozithengile kwiTgetget and Target.com. Qaphela ukuba kukho i-debit card inguqu ye-REDCard ejoliswe kuyo edibanisa ne-akhawunti yakho yokukhangela kunye nokuthengwa kwemali-mboleko ngqo kwi-akhawunti yakho. Ngokuqinisekileyo, ngenguqulo yekhadi lebhanki, akukho mdla wokukhathazeka malunga kwaye awuyi kuba neentlawulo kwiyiphi na ibhalansi yekhadi lesikweletu.
Intengo ebalulekileyo : I-APR i-23.90 ekhulwini kwaye akukho ntlawulo yonyaka.
06 Eyona nto ibaluleke kakhulu kwiNgcaciso yeMali: iMacy's American Express
Nge-Macy's American Express, uza kusindisa iipesenti ezingama-20 zombini xa uthengile ukuba wenze usuku ovula ngayo i-akhawunti yakho nangomso olandelayo ukugcina imali engama-100. Ngenxa yokuba ikhadi lidibene kunye ne-American Express, ungayisebenzisa apho i-American Express yamkelwe. Uya kufumana amanqaku amahlanu kuwo wonke amadola asetshenzisiweyo kwikhadi lakho lesikweletu kwaye ufumane i-$ 10 kwi-Star Money emva kokuba uqokelele amaphuzu ayi-1000. Oko kusebenza kwi-10 yezigidi kwimbuyekezo yonke i-$ 200 echithwe kwikhadi lakho lesikweletu.
U-Macy uthumela abaniki bamakhadi abakhredithi beNkwenkwezi ekhethekileyo. Ezi zidlula zinika amandla okugcina ama-25 ekhulwini kunoma yimuphi umhla oyikhethayo ngokude usebenzisa iMacy yase-American Express yakho yokuthenga.
Ukuthenga kwakho kunokukunceda ufikelele kwiGold nePlatinum kwaye ufikelele kwimiphumo eyongezelelweyo. Iibini zeGadi kunye nePlatinum zifumana ukuthunyelwa okukhululekile kwi-Macy yokuthenga. Amalungu ePlatinum athola iipesenti ezintlanu emva kokuvuza ngaphandle kokubanjelwa.
Ixabiso elibalulekileyo : I-APR i-26,49 yeepesenti, intlawulo yomthengi yangaphandle yintente yesithathu yentengiso, kwaye akukho ntlawulo yonyaka.
07 I-Best For Furniture: I-Pottery Barn Ikhadi lesikweletu
I-Pottery Barn Credit Card inomnye wemilinganiselo ephezulu kakhulu yembuyekezo yekhadi lekhredithi, ikhadi lekhredithi yesitoretye kunye nokunye. Kwakhona linomlinganiselo onomdla ophantsi, xa kuthelekiswa namanye amakhadi enkokhelo.
NgePottery Barn Credit Card, uza kufumana ipesenti ezili-10 emva kokuhlawula kuyo yonke into oyithengayo kwiPottery Barn, i-Pottery Barn Kids okanye i-PB yeselula. Kuwo wonke unyaka, uya kufumana amathuba okufumana imivuzo emibini. Fumana isatifikethi somvuzo esingu-$ 25 kuzo zonke i-$ 250 ozichithayo kwikhadi lakho lesikweletu. Kumele usebenzise imivuzo yakho iintsuku ezingama-180 ukususela apho isatifikethi somvuzo sikhutshwe. Amanqaku angasetyenziswayo angazange afake isandla kwisatifikethi somvuzo siphela emva kweenyanga ezingama-36.
Ukuba uthengisa ngaphezu kwe-$ 750, uza kuba nenketho yokukhetha phakathi kweepesenti ezili-10 kwimbuyekezo okanye kwiinyanga ezili-12 zeemali ezizodwa. Thatha umvuzo ukuba unakho ukuhlawula ibhalansi kwangoko-uza kuphuma ngcono ngexesha elide.
Ixabiso elibalulekileyo : I-APR i-17.99 ekhulwini kwaye akukho ntlawulo yonyaka.
08 Eyona nto ifanelekile kwiiNdawo zokuThengisa: iKhadi lokuThengisa ngaphezulu
Ukuba uthanda ukuthenga i-intanethi kwimpahla yekhaya yomklamo kwi-Isaphulelo, iKhadi lokuThengisa i-Overstock ingaba likhadi oyifunayo. Emva kokuba uvunyiwe, uza kufumana iipesenti ezili-10 kwi-oda lakho lokuqala kunye nethuba lokusebenzisa imali-nzala-nzala ukuya kwiinyanga ezingama-24, ngokuxhomekeke kwisixa sakho sokuthenga. Isaphulelo sokuqala asisebenzi kwiziphakamiso zangoku kwaye likhawulelwe kuma-5,000 ayi-$.
Uya kuba nenketho yokukhetha imali ekhethekileyo ekuthengeni nangemva kokuvula i-akhawunti yakho. Ukuthenga okungaphantsi kweenyanga-6 i-$ 249; Iinyanga ezili-12 yi-$ 499; Iinyanga ezili-18 i $ 1,499; Iinyanga ezingama-24 i $ 1,999.