Ikhadi lokuTshintshiselana kweKhadi kunye neNkqubo ePhambili yemivuzo
I-Citi CashReturns I-MasterCard ineprogram ekhangayo yokubuyisela imali, kodwa isebenza ngokunjalo kunye nokuhanjiswa kwemali.
Ngubani oyiCiti CashReturns MasterCard
- Abantu abafuna ukufumana umvuzo wemali kwiimali zabo zekhadi lesikweletu.
- Abantu abafuna ukhetho lokunciphisa ibhalansi ephantsi.
I-Credit Rating iyadingeka
- Ukugqwesa (740+)
- Okulungileyo (700-739)
- Fair (660-699)
Iinkonzo zeCiti CashReturns MasterCard
- I-1 pesenti epheleleyo imali emva kokuthenga.
- Imivuzo ezuzwe ngemali yophuhliso kunye nokuhanjiswa kwemali.
- I-Automatic ivuza umvuzo ngokukhangela.
- Ixesha elide eli-0% I-APR ngexesha lokudluliselwa kwemali (ukuba ufanelekile).
Umntu weCiti CashReturns MasterCard
- Umkhululo wokukhulula.
I-Citi CashIbuyisela iMbuyekezo yeMasterCard
- Iipesenti ezimbini zeemali emva kokuthengwa kweenyanga ezintandathu zokuqala, enye iphesenti enye imali.
- Ipesenti enye yabuyisela imali kwimpumelelo.
- Imivuzo efumana imali yokudluliselwa kwemali.
- Iipesenti ezintlanu zemali emva "ngokuqhelekileyo" ekuthengeni ngeCiti Bonus Cash Centre.
I-Citi CashIbuyisela i-MasterCard Ipesenteji zonyaka (i-APRs)
- Ukuhanjiswa kwemali: iipesenti ezi-0 kwiinyanga ezixhenxe ukuya kwezi-18, ngokuxhomekeke kwinqanaba lakho lesikweletu.
- Ukuthengwa: 12.99 ipesenti ukuya kuma-20.99 ekhulwini, kuxhomekeke kwinqanaba lakho lokuthenga ngetyala.
- Ukunyuka kwemali: 25.24 ekhulwini.
- Ireyithi engapheliyo: i-29.99 iphesenti.
I-Citi CashIbuyisela iMali ye-MasterCard
- Akukho ntlawulo yonyaka.
- Ukudluliselwa kwemali kunye nemali yokunyuka kwangaphambili kwemali: iipesenti ezi-3 zemali.
- Imali yokuhlawula emva kwexesha: i-$ 15 ukuya kwi-39
- Imali engaphezulu kwemida: $ 39.
I-Citi CashIbuyisela i-MasterCard Review
I-Citi CashReturns MasterCard ipapashwa njengekhadi elifanelekileyo lokubuyisela imali-oko kukuthi. Kodwa isebenza ngokunjalo, ukuba kungengcono, njengekhadi lokudlulisela imali.
Ukuba unetyala lokuthenga ngetyala, unako ukufumana i-rate ye- 0% yezinga lokutshintshela ibhalansi kwiinyanga ezili-18-okanye kwiinyanga ezili-12 ukuya kwezi-sixhenxe ukuba unetyala le-credit.
Imali yokudlulisela imali ibingama-3 ekhulwini, enye enye yezona ziphantsi. Okona, ufumana amahlanu "CitiDollars" kuwo onke amanqanaba atshintshe ngaphaya kwe-$ 1,500. (Unokuzikhulula ama-CitiDollars ama-50 kwi $ 50.)
Ukuba usebenzisa ikhadi ukuthenga, ufumana ipesenti ze-2 zeemali emva kweenyanga ezintandathu zokuqala, emva kwe-1 pesenti emva koko. Unokufumana kwakhona iipesenti ezingama-5 "ngokuqhelekileyo" ukuba uthengisa kwi-Citi's Bonus Cash Centre, leyo ibhanki ithi inabathengisi abangaphezu kwama-400. Umzekelo, unokufumana iipesenti ezili-9 kwi-FTD.com kunye neepesenti ezi-2 kwi-Hollywood yaseFrederick.
Umvuzo wokubuya kwemali unamaphuzu amahle kunye namanqaku ambi. Ngokungafani namanye amakhadi afanayo, afumaneka kwi-Discover and Chase, akudingeki ubize i-bhanki ukuba ihlawule amanqaku akho - Citi ngokuzenzekelayo uyithumelela isheke xa ufikelela kumvuzo we-$ 50. Nangona kunjalo, loo nto ibancinci iphezulu ngokuthelekiswa namanye amanye amakhadi. Kodwa ukuba uthengisa kwiivenkile ezihlawula umvuzo, unako ukufikelela kwi-$ 50 ngokukhawuleza.
I-Citi CashReturns MasterCard ikuvumela ukuba ufumane umvuzo opheleleyo kwimpumelelo yemali. Kodwa ungenzi loo nto - imali yokunyuka kwemali engama- pesenti ibe yintathu, kunye ne-APR ibe ngaphezu kwama-25 ekhulwini. Ngoko nayiphi na umvuzo onokuwufumana awuyi kusondela ukuba wenze oko.
I ngcebiso
Nangona iCiti CashReturns MasterCard kwikhadi isebenza kakuhle ngokubhaliswa kwemali okanye ukufumana imivuzo, ungayisebenzisi zombini - khetha enye okanye enye. Okukhethwa kukho okulungileyo: Dlulisa ibhalansi yakho ngokukhawuleza njengoko unakho, uyihlawule, uze uqale ukufumana umvuzo wokubuyisela imali ngokuthenga.
Thelekisa ixabiso