I- BankAmericard Cash Rewards kubafundi beVisa inikeza ibhonasi ekhethekileyo ye-$ 100 yemali yebhonasi yabanini bamakhadi abatsha abenza okungenani ama-$ 500 ekuthengeni ngeentsuku zokuqala ezingama-90.
Ufumana i-3% kunye no-2%, kwi-$ 1,500 yokuqala kwigesi edibeneyo kunye nevenkile yokuthenga uthenga nganye kwikota, ngokulandelanayo. Zonke ezinye izinto ezithengwayo zifumana i-1% yekheshi emva. Ukongeza, unokufumana ibhonasi ye-10% xa uhlawulela imali yakho kwiBhanki yaseMerika ukujonga okanye ukugcina i-akhawunti. Ngoko ke, ukuba uhlawulela i-$ 25 ngembuyekezo yenkcitho, uza kufumana i-$ 27.50 e-akhawunti yakho.
Abanini bamakhadi banokufumana i-0% yesantya sokungena kwiibhanki zokutshintshwa kunye nokuthengwa kweesigidi- 12 (iinyanga ezili-10). Emva koko, i-APR rhoqo i-12.99% ukuya kwi-22.99% ngokuxhomekeke kubukwereti bakho. Ukupasa kwangaphambili kwemali i-APR yi-15.99% ukuya kwi-24.99%. Intlawulo ye-3% yangaphandle yemali iyasebenza kwiintengo ezenziwe ngemali yangaphandle.
Ukuthelekiswa: I-BankAmericard Cash Rewards kubafundi beVisa inomhla wokuqalisa u-APR kunye nomvuzo oqhubekayo wokufumana umvuzo kunokuba Uwufumene Abafundi , onama-0% ama-APR kwiintengo kunye no-10.99% kwibhalansi yokudluliselwa kweenyanga ezintandathu.
Kodwa Ukufumanisa unikeza i-FICO yamahhala nyanga zonke kwaye inikezela ukhetho lokukrazula ikhadi lakho lekredithi ukukhusela ukuthenga okungagunyaziswanga.
Iintlawulo zeBhanki zeMali zeBhanki zaBafundi banikezela ngamaphuzu ebhonasi e-intanethi angama-10 000 abenzi bamakhadi amasha abenza okungenani ama-$ 500 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuvula iakhawunti.
Ezi ngongoma zifanele u-100 wemali yesitatimende malunga nokuthengwa kohambo. Ukuthengwa kuzuza iipalenti eziyi-1.5 kuyo yonke idola echithwe kwaye i-10% ibhonasi iindawo xa unayo i-akhawunti yasebenzayo yeBhanki yaseMelika. Akukho myinge kwinani lamaphupha ongafumanayo kwaye amaphupha akapheli.
Enye yeendlela ezimbalwa zokuhamba ngeemali zamakhadi esikweleti kubafundi, i-BankAmericard Travel Rewards kubafundi beVisa ayinayo imali yokuthengiswa kwamanye amazwe, okwenza kube yinto enhle kubafundi abaceba ukuchitha i-semester okanye ababini bafunda ngaphandle.
Isilinganiso sokuqala se-0% sisebenza ekuthengeni I-APR rhoqo ukuthenga emva kwexesha lokusungula kunye nokuhanjiswa kwemali ku-14.99% ukuya kwi-22.99%. Ukupasa kwangaphambili kwemali i-APR i-17.99% ukuya kwi-24.99%.
Ukuthelekisa: Leli khadi linobhonobhe engcono kunye nexesha elide lokuqala kuneCiti yoMbulelo oKhethekileyo kwiKholeji yabaFundi beeKholeji ezibonelela ngamanqaku amabhonasi angama-2 500 kunye ne-0% i-APR ngeenyanga ezi-7.
I- BankAmericard yabafundi ayinikeli nayiphi na imivuzo, kodwa inezinga le-introductions eli-0% ekuthengeni kunye nokuhanjiswa kwemali kwimijikelezo ye-billing (malunga neenyanga ezili-13). Emva kwexesha lokuqala, i-APR rhoqo iya kuba phakathi kwe-10.99% kunye ne-20.99% ngokuxhomekeke kwinqanaba lakho lesikweletu.
Le ngenye yezinga lentengo ephantsi kakhulu kunoma yiphi na makhadi ekhredithi kwimarike, kwanokuba abo bafanelekile ukufumana i-APR ekupheleni.
Impumelelo ye-APR ihamba phakathi kwe-13.99% kunye ne-23.99%, kwakhona ngokuxhomekeke kubukwereti bakho. I-24.99% ye-APR iya kufaka isicelo kwiNkcazo yeMali yeBhanki ebandakanya ukuqhubela phambili kwi-ATM, ukukhuselwa kwe-overdraft, okanye ukuthengwa kwemali.
Intlawulo ye-3% yangaphandle yemali iyasebenza kwiintengo ezenziwe ngemali yangaphandle.
I-Bank of America Imali yeKhadi leMatyala yeMali
Ukutshintshwa kwemali, ukuhanjiswa kwemali, kunye neentlawulo zentlawulo zifana nazo zonke iikhadi lamathathu.
- Imali yokudluliselwa kwemali : 3% okanye i-10
- Imali yokuqala yokuhlawula imali : i-$ 10 okanye i-3%, i-$ 10 okanye i-5%, okanye i-$ 12 kuxhomekeke kwindlela yokuhamba ngemali. Jonga imimiselo kunye nemimiselo yokuphulwa kwemali esengaphambili yemali
- Imali yokuhlawula ixesha elide : i-$ 27 yokuhlawulwa kokugqibela kunye ne-$ 38 yezihlawuliso ezalandela emva kwee-cycle billing.
- Intlawulo ebuyisiwe : Kufike kwi-$ 27
- Imilinganiselo yehlawulo : ukuya kwi-29.99% (isetyenziswe xa wenza intlawulo emva kwexesha)
Yiyiphi iBhanki yaseMerika umfundi weKhadi lokuTyala omele ukhethe?
Kubalulekile ukuba uqaphele ukuba njengomntu osemdala oneminyaka engama-21 ubudala , kufuneka ube nenzuzo yakho okanye umqesheli ukuba afanelekele ukufumana ikhadi lekhredithi. Ngoko ke, ukuba ungekho msebenzi, kuya kufuneka ufumane umzali wakho okanye omnye umntu oneminyaka engama-21 ubudala ukuba athathe ikhadi lekhredithi kunye nawe, nangona ungumfundi wekholeji.
Imivuzo yamakhadi esikwereti ayingozi kubafundi, ingakumbi ngemali engenakuncipha, kuba bakulinga ukuba uchithe ngaphezulu kokuzama ukufumana umvuzo omkhulu. Njengekhadi lokuqala lekhredithi, i-BankAmericard yabafundi ibhetari ekhuselekileyo.
Ukufumana abasebenzisi bamakhadi abanokrekhredithi abanamathuba athile abafuna ukufumana umvuzo, imali iyinto engcono kuba ibaluleke ngakumbi kunokwintengo yemboleko yokuthengwa kohambo. Ukuba awuhambanga rhoqo, umvuzo wokuhamba awunamsebenzi.
Kugqitywe ukuhlaziywa ngoJuni 19, 2015. Imimiselo yamakhadi kunye neemeko ziya kutshintshwa ukusuka ngexesha lokuhlaziywa. Hlola iwebhusayithi ye-issuer yekhadi lekhredithi yexabiso lentlawulo yamva kunye nemigqaliselo.