I-Orchard Bank I-MasterCard ekhuselekile

I-Credit Card yokwakha okanye yokwakha umlando weNgxowa-mali

Njengokuba i-bankruptcy filingcy filings ikhuphuka kwaye ukuvalwa kwangaphambili kwempahla kuqhubeka nokunyuka, abantu abaninzi banokuzifumana bengakwazi ukufumana iimakhadi eziqhelekileyo zematyala . Leli khadi linika ixabiso elifanelekileyo kubantu abafuna ukuvuselela imbali yabo yekhredithi emva kokubuyiswa kwetyala.

Mayelana neBhanki ye-Orchard Bank MasterCard ekhuselekile

Ngubani le LeKhadi Eliyiyo

• Abantu abaye bachithwa ngenxa yekhadi lesikweletu okanye bavuselela i-credit yabo.

Iinkonzo

• Inzala ephantsi.
• Akukho ntlawulo yonyaka kunyaka wokuqala.
• Akukho ntlawulo yokusebenza kwe-akhawunti.
• Iingxelo eziya kwiindawo ezintathu ezinkulu zemali zemali.

Umxhasi

• Inkokhelo yezokhuseleko ifunekayo (ubuncinane be-$ 200).
• Umlinganiselo wesikweledu ophantsi (ukufikelela kwisayizi yentlawulo).

Mivuzo

• Akukho.

APR

• 7.9% eguquguqukayo ekuthengeni nasekuhanjisweni kwemali.
• Inzala yenzalo: 29.49%.

Imali

• Imali engama-35 yonyaka, ikhutshwe ngonyaka wokuqala.
• Imali yokudlulisela imali: 5% yemali.

I-Orchard Bank I-MasterCard eVikelekileyo

Leli khadi elikhuselekile ukusuka kwi-Orchard Bank-iyunithi ye-HSBC-inika ixabiso elimangalisayo, ngokuthelekiswa namanye amakhadi alondoloziweyo kodwa xa kuthelekiswa ne-Orchard ejwayelekile, amakhadi anetekisi angakhuselekanga. Enyanisweni, eli khadi lijongene nokubhetele kangcono kwamakhadi omnye we-Orchard, xa unako, kwaye ungakhathazeki, uthumele idiphozi yokukhusela.

Inzala yeMali kunye neNyanga zoNyaka

Ikhadi ithwala i-interest rate variable 7.9%. Umrhumo wonyaka wama-35 weminyaka unqunywe ngonyaka wokuqala, kwaye akukho mali yokucwangcisa i-akhawunti.

Amanye amaninzi amakhadi aqinisekisiwe ukuba asebenzise. Nokuba iBhanki ye-Orchard ihlawulise i-$ 39 ukuze ifake ezinye zeakhadi eziqhelekileyo.

Imali eyi-$ 35 yonyaka yinto enengqiqo, ingakumbi ukususela ekubeni ihoxisiwe ngonyaka wokuqala. Emva koko, xa uhlawula iibhokhwe zakho ngexesha, unokukwazi ukufumana ikariti engakhuselekanga engenayo imali yonyaka.

Ngokuthelekisa, amanye amakhadi e-Orchard athatha iifizi zonyaka ukusuka kwi-$ 35 ukuya kwi-74 zamawaka kunyaka wokuqala, ngoko zenyuka zisuka apho.

Ingxelo yeNyanga yeMali

I-Orchard ithi ithumela ngokuzenzekelayo iingxelo zenyanga nganye kuzo zonke iindawo ezinkulu zentengo zemboleko, okufuneka kukuncedise ukuphucula umlinganiselo wakho wekhredithi, ucinga ukuba uhlawula iibhilikhwe zakho ngexesha kwaye ugcine ibhalansi yakho yekhadi lesikweletu ngaphakathi kwe-30% yomda wekhredithi yakho.

Ewe, ibhanki ikufuna ukuba ubeke i-deposit deposit, i-$ 200 engaphantsi. Isixa semali oyifakayo sisayizi somlinganiselo wakho wesikweletu. Oko kukukhusela ibhanki xa ungekho phantsi. Kodwa kubonakala ngathi kunzima ukufumana ikhadi lesikweletu xa ezinye iibhanki zithi cha.

I ngcebiso

Ukuba kuphela indlela onokufanelekela ngayo kwikhadi lekhredithi ngokufumana ikhadi elikhuselekile , unokwenza okubi kakhulu kunalesi khadi. Nangona kunjalo, kuya kuba nzima ukuba uhlawule eli bhili-mali ngexesha. Ukuba awunayo, kungekuphela nje ukufumana enye into engalunganga kwimbali yakho yeebhanki, kodwa unokulahlekelwa yi-deposit yakho yonke.