La makhadi aza kukubuyisela kumkhondo wezemali
Ukufumana ikhadi lekhredithi xa unetyala elibi alilula. Abaninzi bamakhredithi bamakhadi bankokhelo balindele ukuba ube nekhredithi enhle ngaphambi kokuba bakuvumele ikariti yekhredithi, kodwa awukwazi ukwakha umlinganiselo wakho wekhredithi ngaphandle kokuba unokufikelela kwikhadi lekhredithi. Ngethamsanqa, kukho amakhredithi ambalwa kwirektari kubathengi abanetyala elibi.
Eminye yamakhadi ekweretyana kumakhadi ethu athile ekweretheni ngenxa yoluhlu lwamatyala alukhoyo makhadi e-credit card. Le yimihlobo yekhadi lekhredithi elivumela ukuba wenze isitifiketi sokukhuselwa kumda we-credit card. Umda wakho wekhredithi uza kulingana ne-deposit deposit. Ngenxa yokuba ukhuseleko lwakho lugcina ezinye zeengozi, uvumelekile ukuba uvunyiwe. Njengoko ukhetha ikharityhulam engcono kunazo zonke, khawucinge ngamandla akho okuhlawula idiphozithi yokhuseleko, umrhumo wonyaka kunye nezinye izinto zekhadi lesikweletu.
01 Eyona ngcono kwiDispositi yoKhuseleko oluNcinci: I-Capital One Secured MasterCard
I-Capital One i-MasterCard ekhuselekile ikuvumela ukuba wenze imali encinane yokukhusela i-$ 49, i-$ 99 okanye i-$ 200 ukuze ube ngumyinge we-200 wemali. Imbali yakho yekhredithi inquma ukuba ufanelekile enye yexabiso le-deposit ephantsi. Emva kokuba ufumanise ukuba uvunyiwe, unokwenza ukhuseleko olongezelelweyo kwi-credit limit limit ngaphambi kokuba i-akhawunti yakho ivule. Kufuneka ube ne-akhawunti yebhanki, ngoko unokuhlawula imali yakho yokugcina.
Emva kokuba wenze iintlawulo zakho zokuqala zenyanga ezintlanu ngexesha, i-Capital One iya kukuqwalasela ngokunyuka komlinganiselo wesikweledu ngokuzenzekelayo ngaphandle kokugcinwa kwokhuseleko olongezelelweyo. Uya kuba nokufikelela kwi-CreditWise, ithuluzi lokubeka ilityala lamahhala elikunceda ukuhlala phezulu kwinqanaba lakho lesikweletu.
Intengo ebalulekileyo : I-APR i-24.99 iphesenti kwaye akukho ntlawulo yonyaka.
02 Eyona mivuzo yokufumana imivuzo: Yifumene ikhuselekile
Qaphela ukuba yikhadi lekhredithi elikhuselekile elivumela abaphathi bamakhadi ukuba bafumane umvuzo ekuthengeni kwabo. Fumana iipesenti ezimbini zeemali kwiivenkile okanye kwizikhululo zegesi ukuya kwi-$ 1,000 ekuthengeni okudibeneyo nganye kwikota. Ipesenti enye enye imali emva kokunye ukuthengwa kwekhadi lesikweletu. Ukufumanisa kuya kuhambelana ngokuzenzekelayo yonke imali emva koko uzuze ekupheleni konyaka wokuqala. Unako ukuhlawulela umvuzo wakho naliphi na ixesha nayiphi na imali kwaye ngokuzenzekelayo kwi-Amazon.com.
Yenza idiphozithi encinci ye-$ 200 ukuya kwi-$ 2,500 kwaye umda wakho wekredithi ufanisa ukhuseleko lwakho. Emva kokuba ube nekhadi lakho lesikwereti kwiinyanga ezisibhozo, Qaphela uza kuhlaziya i-credit yakho ukucinga ngokubuyisela imali yakho yokukhupha xa ugcina i-akhawunti yakho ivulekile. Okunye fumana ukufikelela kwamahhala kumanqaku akho eFICO kwiingxelo zakho zenyanga.
Ixabiso elibalulekileyo : Ukutshintshela ibhalansi yokuqalisa i-APR ngu-10.99 ekhulwini kwiinyanga ezintandathu ukususela kumhla wokutshintshwa. Ukutshintshwa kufuneka kuthunyelwe kwi-akhawunti yakho ngo-Matshi 10, 2018 ukuze ufaneleke. I-APR rhoqo i-23.99 iphesenti APR kwaye akukho mali yonyaka.
03 I-Top-Tier Ikhadi leKharityi eliKhuselekileyo: I-Citi i-MasterCard ekhuselekile
Mhlawumbi into efanelekileyo malunga neCiti eVikelekileyo MasterCard kukuba ikhutshwe ngu-Citi - omnye wabaniki bamakhadi abakhulu. Ukuphathwa kweakhawunti elungileyo kunye nekhadi lakho lekhredithi elikhuselekile kunokukuvumela ukuba ufanelekele enye yamakhadi abo angcono.
Nge-MasterCard yeCiti ekhuselekile, unokwenza i-deposit deposit phakathi kwe-$ 200 kunye ne-$ 2,500 ngelixa wenza isicelo. Idiphozithi yakho ifakwa kwi-Akhawunti Yokubambisana "kwiinyanga ezili-18. Ngelishwa, idiphozithi yakho ayiyi kuzuza inzala kwaye i-bankruptcy kwiinyanga ezingama-24 ezidlulileyo inokukukhusela ukuba uvunyiwe.
Ixabiso elibalulekileyo : I-APR iingu-23.74 pesenti. Akukho mrhumo wonyaka.
04 Eyona nto ingenakutyala: Intuthuko yokuqala Khetha i-MasterCard Ikhadi leKharityi eliKhuselekileyo
Inkqubela yokuQala Khetha i-MasterCard Ikhadi lokuTyala eliKhuselekileyo alifunanga ukuba ube nembali yekhredithi okanye amanqaku amancinci athengisiweyo. Ikhadi ikhutshwa nguSynovus Bank, iColumbus GA, ilungu le-FDIC kunye neengxelo kwiintlobo ezinkulu ezintathu zemali-mboleko zokuncedisa ukwakha amanqaku akho.
Kufuneka wenze inkokhelo encinci yokugcinwa kweedola ezingama-200 ukuba ivunyiwe. Umrhumo wonyaka we-$ 39 uvavanywa kwikhadi lakho lekhredithi ukusuka ngomhla wokuvula i-akhawunti yakho. Oku kuthetha ukuba wenze idiphozi yokuqala ye-$ 200, ukuqala kwesikolo-mali esikhoyo kuya kuba yi-$ 171.
Ukhuseleko lwakho lugcinwe kwiakhawunti engenayo inzala. Ukufumana ukubuyiselwa kwemali kwi-deposit yakho, uzakufuneka uhlawule ibhalansi yakho ngokupheleleyo, vala i-akhawunti yakho kwaye uthumele ikhadi lakho lekredithi eliqingqiweyo kwisiqingatha.
Intengo ebalulekileyo : I-APR yokuthenga i-13.99 pesenti IPA. Imali yonyaka i-$ 39.
05 Eyona nto ingabikho kwiAkhawunti yeBhanki: I-VS Card eVikilekileyo yokuVisa
I-Visa eVikilekileyo iVisk ikuvumela ukuba wenze i-deposit deposit phakathi kwe-$ 200 ne-$ 3,000 ukukhusela umda wakho wemali. Unokuhlawula idiphozithi yakho kunye nekhadi le-Visa okanye i-MasterCard debit card - eyongezelelweyo kuba abaninzi abanokukhupha amakhadi abemali-mboleko bafuna ukuba usebenzise i-akhawunti yebhanki.
Unokucela ukwandisa umda wakho wemali emva kokuba i-akhawunti yakho ivuliwe. Ukuba isicelo sakho sivunyiwe, i-Sky Sky iya kukuvumela ukuba wenze idiphozithi eyongezelelweyo yokunyusa umlinganiselo wesikweletu kwaye unokuhlawula imali eyongezelelweyo. Awuyi kuzuza nayiphi na inzala kwikhuseleko lakho.
Ngelishwa, awuyi kuba nekhetho lokuguqula leli khadi kwikhadi lekhredithi elingakhuselekanga. Idiphozithi yakho iya kubuyiselwa kuwe ngaphakathi kweeveki ezine ukuya ezintandathu zokuvala i-akhawunti yakho.
Intengo ebalulekileyo : I-APR i-18.39 ekhulwini. Imali yonyaka i-$ 35.
06 Eyona ndlela ihamba phambili kwiDepositi ezinkulu eziKhuselekileyo: I-Wellgo i-MasterCard ekhuselekile
Ukuba unako ukufikelela kwinkunzi kwaye ufuna ikhadi lekhredithi elinomlinganiselo ophezulu wesikweletu kwiimbali zakho zemali, khawuqwalasele i-Wells Fargo SafeCard MasterCard. Unokwenza i-deposit deposit kwi $ 100 yokunyuka ukusuka kwi-$ 300 yonke indlela ukuya kwi-$ 10,000.
Ukhuseleko lwakho lubekwe kwiakhawunti engenayo inzala kuze kubekho ikhadi lakho lesikweletu livaliwe okanye liphuculwe kwikhadi lekhredithi elingakhuselekanga. Akukho xesha elikhethiweyo lokuba iakhawunti yakho iphuculwe. Kungakhathaliseki ukuba uphuculisiwe kuzo zonke kuxhomekeke kwindlela olawula ngayo i-Wells Safego MasterCard yakho kunye namanye ama-akhawunti kwingxelo yakho yekhredithi.
Ixabiso elibalulekileyo : Linama-20.24 ekhulwini ngo-APR. Kukho imali engama-25 yonyaka.
07 Eyona nto imele i-Military & Interest in Deposit Deposit: USAA I-American Express ekhuselekileyo
I-USAA ekhuselekileyo i-American Express yenza ukhuseleko lwakho lufakwe kwi-USAA Bank yeminyaka emi-2 yeSatifikethi seDistim (CD), efumana inzala. Kufuneka wenze idiphozi yokugcina imali engama-250 engundoqo ukuze uqalise kwaye unokwenza idipozi ezongezelelweyo kwi-CD yakho nanini na ucele ukunyuka kwemali yemali ukulingana. Uya kugcina idiphozithi yakho kunye naluphi na umdla owuthola kuwo xa ungekho phantsi kweentlawulo zakho.
Lekhadi lekhredithi lifumaneka kuphela kumalungu e-USAA: amalungu asebenzayo okanye asele umhlalaphantsi emkhosini kunye neentsapho zawo. I-Military inomdla okhethekileyo wokunyuswa kwamaxabiso phantsi kwe-Servicemembers Relief Relief Act.
Nangona kungekho sihlomelo sokuhlawula xa usufikile kwiintlawulo, awufuni ukwenza umkhwa wokuhlawulwa kwexesha elide ngenxa yokuba uza kuhlawula imali kwaye uza kufaka i-akhawunti yakho engozini yokungagqibekanga.
Intengo ebalulekileyo : I-APR iphakathi kwama-10.90 kunye nama-20.90 ekhulwini. Imali yonyaka i-$ 35. Akukho mali yokuthengiswa kwamanye amazwe.
08 Best for Bankrupt Previous: Indigo Platinum MasterCard
Nge-Indigo Platinum Mastercard, unokufumana ilungelo elifanelekileyo ngaphambili kwiwebhusayithi yakho ukufumanisa amathuba okuba uya kuvunywa. I-pre-qualification ayichaphazeli umlinganiselo wakho wekhredithi kwaye uya kufumana isigqibo kwimitha engama-60. I-bankruptcy yangaphambili ayiyi kubanjwa kuwe, kuxhomekeke kwezinye iziqinisekiso.
Leli khadi lekhredithi rhoqo-akukho khuseleko olufunekayo. Ukuba uvunyiwe, uya kufumana umyinge we-300 wemali kunye nekhetho lokufaka isakhiwo sekhadi lesikweletu.
Umgca wecala kuphela kukuba awuyi kukwazi imali yakho yonyaka uze uvunyiwe. Kukho ukuhlawulwa kwemali yonyaka, i-$ 59 yemali yonyaka okanye imali engama-$ 75 ngonyaka wokuqala. Ukuba uvunyiwe ukuba uhlawule umrhumo wonyaka wama-$ 75, umrhumo uya kunyuka ube ngu-99 weminyaka kunyaka wesibili kwaye emva konyaka. Oku kuthetha ukuba kuma-33 ekhulwini lomlinganiselo wakho wesikweletu uya kufikelela kwimali yonyaka.
Ixabiso elibalulekileyo : I-APR iingu-239 ekhulwini kunye nentlawulo yonyaka ingafikelela kuma-99.