Nge-AAA Ilungu leMvuzo I-Visa, unokufumana iimbuyekezo ezingenamkhawulo onokuzihlawulela ngemali ekhokhayo, ityala lesikweletu, amakhadi wesipho, ukuhamba ngomoya, ukuqashisa imoto, ukuhlala kweehotele okanye iAVA. Ukuba awuqhelani no-AAA, inhlangano yenkonzo yenkonzo engekho inzuzo enika iinkonzo zenkxaso yokuhamba njengendlela yangxamisekileyo yendlela yokunceda amalungu ayo.
I-AAA Ilungu leMigangatho yeVisa
Igalelo leLungu le-AAA I-Visa ineprogram enkulu yembuyekezo, ngakumbi kubahambi abahamba rhoqo.
Amakhadi athola amanqaku angama-3X ekuphumeleleni iAAA kunye nokuthengwa kohambo. Oku kubandakanya ukuthengwa okwenziwe nge-airline, i-arhente zokuqasha imoto, iihotele kunye neendawo zokungcebeleka, iinqwelo zokuhamba kunye namaqela okuhamba.
Igesi, ivenkile yokuthenga, kunye nokuthengwa kwesigqirha sezidakamizwa zifumana amanqaku angama-2X kunye nazo zonke ezinye izinto ezithengwayo zifumana i-point e-dollar kuyo yonke into ethenga. Ibhanki yaseMelika ekhethiweyo Abaxhamli bafumana imali engaphezulu kwe-25% okanye ngaphezulu ibhonasi kuyo yonke into yokuthenga.
Fumana i-100 yemali yekredithi xa usebenzisa imali engama-250 engama-credit card ukuthenga ngaphakathi kweentsuku eziyi-90 zokuvula i-akhawunti. Ingathatha iiveki ezi-8 ukuya kwezi-12 ukuba ingxelo yekhredithi ifake kwi-akhawunti yakho, oko kuthetha ukuba ithatha ixesha elifikelela kwiinyanga ezintandathu ukususela ngexesha uvula i-akhawunti yakho ukufumana i-credit statement. Ukuba unokulinganisela ngamaxabiso amaninzi, inqaku lesikweletu liya kusebenza kwibhalansi kunye ne-APR ephezulu.
Imivuzo yokuhlawulela iqala kwii-2,500 iingongoma zokuhamba komoya kunye neengongoma ezi-5,000 zemali.
Nangona kungekho sikhokhelo kwisixa sembuyekezo ongayifumana, imivuzo iyasebenza iminyaka emihlanu kuphela. Kukho amakhadi amaninzi kumvuzo kwimarike engapheliyo imivuzo yakho.
Ixabiso
Akukho mrhumo wonyaka we-AAA Ilungu leMvuzo I-Visa elithetha ukuba unokuyonwabela imivuzo kunye neempembelelo zekhadi lesikweletu ngaphandle kweendleko nje kuphela xa uhlawula ibhalansi yakho ngokugcwele inyanga nganye ukuphepha umdla.
I-APR yokuthenga izakuwela phakathi kwe-13.24% kunye ne-23.24% kuxhomekeke kwimbali yakho yemali. Umlinganiselo wekhredithi ophezulu ubeka kwisikhundla sokufumana umyinge wezinga eliphantsi.
Ikhadi linikeza u-0% we-APR% kwiingxoxo zokuqala zokuhlawula ezi-12 kwi-balance transfer ezenziwe kwimihla yokuqala engama-60. Gcina ingqalelo ukuba imijikelezo yokuhlawula i- 12 ingaba yincinci kuneenyanga ezili-12, ngoko ke kubalulekile ukuqhubeka kunye nexesha lokunikezela kwakho.
Emva kwexesha lokuqala , ukutshintshwa kwemali ye-APR kuya kuba ngu-13.24% ukuya kwi-23.24% kuxhomekeke ekutyala kwakho. Ukudluliselwa kwemali kuhlawulwa i-3% okanye i-$ 10 yemirhumo, kwaze kwaba nokudluliselwa kwexesha langethuba.
I-APR iqhubela phambili ngemali eyi-16.24% ukuya kwi-25.24% yokupaka idizithi ngqo kwaye ukhangele phambili ukunyuka kwemali ngemali eyi-10 okanye i-3%. Ukuqhubela phambili kwemali yeBhanki ihlawulwe i-25.24% ye-APR kunye ne-10% okanye i-5% yentlawulo. Ukuqhubela phambili kwemali yeBhanki kubandakanya (kodwa ayinqinci) kwi-ATM, ngaphezulu kwe-counter, kunye neentengo ezilinganayo zemali.
Ungasebenzisa i-AAA iLungu leMali yemivuzo yeLungu leKhadi njengokuba ukhuseleko lwe-overdraft kwi-akhawunti yakho yaseBhanki yaseMelika. Ukudluliselwa kwe-Overdraft kuya kwenziwa njengoko kuyimfuneko ngokunyuka kwama-$ 100. Umrhumo we-12 wemali usebenza kwintengiselwano nganye kuphela xa imali yakho ye-overdraft idlula i-$ 12.
Xa kusebenza, isohlwayo se-APR ngu-29.99%.
Lumnka; ukuba i-APR yakho iyongezelwe kwizinga lokuhlawulwa, liya kusebenza ngokungapheliyo.
Ukuthengiswa kwamanye amazwe kuhlawuliswa umrhumo we-2%.
Iintlawulo ezihlawuleyo zihlawuliswa umrhumo ukuya kwi-$ 37 kwaye iintlawulo ezibuyiselwe zihlawulwa imali ukuya kwi-$ 27.
Ngaba Le Khadi Yayifanele?
Akukufuneka ube ilungu le-AAA ukufaka isicelo sale khadi, edibeneyo. Imbuyekezo kunye nenkokhelo yekredithi i-perk enkulu. Ngoxa i-0% yokunikezela ibhalansi ingaba yilingo, ukutshintshela ibhalansi kwenza kube nzima ukufumana i-credit statement okanye imivuzo.
Ehlelwe nguLaToya Irby. Amanqaku ekhadi lokuthenga ngetyala kunye neebhonasi zokubhalisa ziya kutshintshwa ukusuka ngexesha lokuhlaziywa. Jonga kwisicelo semimiselo yangoku kunye neemeko.