Ikhadi lekredithi eguquguqukayo
I-GM Flexible Inzuzo yeKhadi evela kwi-HSBC Bank, njengoko igama elithi, "liguquguqukayo." Enyanisweni, i-GM ibuye "yenziwe ngokutsha ngokutsha" kwikharityhulam yomvuzo wayo, echazwe ngo-1992. Nangona i-GMF entsha ye-Credit Flexible Inzuzo yeKhariti yeKhariti ayinotyebi njengakwikhadi lokuqala, umvuzo wokuhlawulela umonakalo omkhulu (ngoko igama).
Ngubani na iKhadi leFlexible Revenue Card?
- Abathandi beMG abanomdla wokugcina imali kwizithuthi zabo ezilandelayo.
Iinkonzo zeKhadi lokuFumana ngeFlex Flexible
- Iiphakheji ezivuzayo zomvuzo - isaphulelo sepesenti e-3 xa sisetyenziselwa ukuthenga imoto ye-GM.
- Ipesenti e-1 imali emva kokuba ungathengi imoto ye-GM.
- Akukho mda kumvuzo wonyaka owenziweyo.
I-Cons of the GM Flexible Revenue Card
- Umgangatho omncinci umvuzo wokubuyisela umvuzo ($ 100) ukuba ukhetha imali.
- Imivuzo iphelelwa emva kweminyaka emisixhenxe.
Mivuzo
- Isaphulelo se-3 ekhulwini kwizinto ezifanelekileyo zokuthengwa okanye ukuqeshisa imoto ye-GM, okanye
- 1 iphesenti yekheshi.
Ipesenteji zonyaka zonyaka (APRs)
- 0 iphesenti i-APR ngeenyanga ezili-12 zokuthenga nokuhanjiswa kwemali.
- 15.99 iphesenti APR emva kweenyanga ezili-12.
- Ngokungafaniyo APR : 30.99 iphesenti.
Imali
- Akukho ntlawulo yonyaka.
- Imali yokudluliselwa kwemali: Iipesenti ezi-3 zokulinganisela.
- Imali yokuhlawula emva kwexesha i-19- $ 39.
- Imali engaphezulu kwemida: $ 39.
- Buyisela isheke okanye ubuyisele intlawulo yentlawulo: $ 39.
Uhlolo lweKhadi
I-GM Flexible Rewards Card ihlawula isaphulelo esise-3% sempesenti esetyenziswayo ekuthengeni okanye ngokuqeshisa imoto entsha yeGM.
I-GM Card yasekuqaleni ihlawule umvuzo wokuba u-5%. Nangona kunjalo, iipesenti ezi-3 zisengomnye wembuyekezo emihle kwiimarike zekhadi lesikweletu kunye neyona ndlela inomusa phakathi kwamakhadi okufumana imoto.
UMG kunye neqabane elide lebhanki ye-HSBC iye yenze enye yezinto ezingenakunikwa kwekhadi lokuqala. Ngoku, ukuba kamva utshintshe ingqondo yakho kwaye ungathengi imoto entsha yeGM, unakho ukhetho lokuhlawula umvuzo wakho wemali.
Kwimiqulu yalo yangaphambili, ukuba awuzange uthenge imoto yeGM, imivuzo owayifumana yayingenanto kwaye yonke into eyichithayo yayingento.
Iintlawulo zoLondolozo lweNkqubo
I-GM Flexible Rewards I-reward reward reward program. Okokuqala, ukuba ukhetha imali ye-back, ufumana umvuzo we-1 kuphela, kungekhona iipesenti ezi-3. Okwesibini, kufuneka ufumane ubuncinci be-$ 100 kwimbuyekezo (u-R10 000 kwiindleko) ngaphambi kokuba ukhulule.
Unokufumana umlinganiselo ongenamkhawulo wembuyekezo kunoma yimuphi unyaka onikeziweyo, kodwa umvuzo weerola uyaphela emva kweeminyaka ezisixhenxe. Nangona kunjalo, unako ukuqhubeka ufumana imivuzo emva koko, kunye needola ezifunyenwe ngonyaka wesibhozo endaweni yezo zinto zaphelelwa ngumnyaka omnye, njalo njalo.
Kukho imida (yiyiphi i-GM ethi "Izibonelelo Zokukhulula") kwimali yemivuzo onokuyihlawulela, kwaye ziyahluka ngokwenza nokwenza imodeli imoto oyifunayo. Ngokomzekelo, unako ukuhlawulela ukuya kuma-$ 1,000 kwi-Chevy Malibu uze ufike kwi-$ 3,000 kwi-GMC Savana. Zonke iimpawu zeGM ziyakulungeleka, kubandakanywa neCadillac, nangona ingekho imodeli yonke ifanelekileyo. Umvuzo wekhadi ungasetyenziselwa ukongezelela naziphi na ezinye izaphulelo okanye izinto ezikhuthaza abantu abathengisa iMG banikezela ngelo xesha, ngaphandle kweprogram yokuphuhlisa umqeshwa.
I ngcebiso
Ngelixa umvuzo ungaphantsi kunekhadi leMG ye-original, ahlala ehle kakhulu, kwaye ukhetho lwentlawulo-mali luyakhela enye yelahleko.
Nangona kunjalo, eli khadi liya kubhenela kuwe kuphela xa unomphefumlo omnyama we-GM fan. Abathengi bekhangela ikhadi lokubuyisela imali kufuneka baxhomeke kuDivumenti, apho unokuhlawulela umvuzo wakho xa befikelela kuma-20.