Ikhadi elithengileyo elithengelekileyo kwabangenako ukuTyala
Ngelishwa, iBhanki ye-Orchard, kanye ne-subsidiary ye-HSBC, yathengwa yi-Capital One ngo-2012 kunye namakhadi ekhredithi yase-Orchard eBhange.
I-Orchard Bank Platinum MasterCard
Nangona ungeke ukwazi ukufumana ikhadi lekhredithi yase-Orchard yaseBhanki, nolu luhlu olutshwankathelo lwaloo nto i-Orchard Bank Platinum MasterCard ibonakala ngathi.
Kuwo onke amakhadi e-Orchard Bank, i-Platinum MasterCard yayinexabiso eliphantsi kakhulu. Kwakunzima nakakhulu ukufumana amalungelo kunamanye amakhadi. I-Orchard Bank inesixhobo esiza kukufumana, ngaphandle kokuphazamisa amanqaku akho esikwereti, kwaye kukuxelela ukuba yeyiphi yamakhadi ayo afanelekileyo ngokusekelwe kwimbali yakho yekhredithi.
I-APR yayingama-14.9% aphantsi, ukhuphiswano kunye namakhadi-mboleko kubantu abanekhredithi enhle. Isigwebo APR, sihlawuliswe ukuba uneminyaka engaphezulu kweentsuku ezingama-60 ekupheleni kwekhadi lokuthenga ngetyala, bekuyi-29.49%.
Ikhadi lafika ngemali yonyaka eya kusuka kwi-$ 39 ukuya kwi-$ 59, ngokuxhomekeka kwimbali yakho yekhredithi. Unako ukuhlawuliswa ukuya kwi-$ 35 yemali yokugqibela, umlinganiselo osemthethweni. Ukugqithisa umda wakho wemali kuya kubiza i-$ 25 kunye nezilwanyana ezihanjiweyo ziya kuhlawuliswa umrhumo we-5% wemali yokudlulisela imali.
Eminye indlela eya kwi-Orchard Bank Platinum MasterCard
Iikhadi leentengo zemali zeBhanki ze-Orchard zingasekho, kodwa awukho ongakhethayo ukuba ufuna ikariti yekredithi ukuze uncede ukwakhiwa kwakhona kwamanqaku amatyala angalunganga.
Inkunzi eyodwa, owathengi i-Orchard Bank, inomnye osebenzayo kwikhadi lokuthenga ngetyala. I-Capital One MasterCard ekhuselekile ineendleko eziphantsi kunye nemigangatho emihle. Ukuba ufanelekile, unokukwazi ukuhlawula idiphozithi yezokukhutshwa njenge-$ 49 okanye i-99 yama-$ ukuze ube ngumda we-200 wemali. Kwiimeko ezinzima kakhulu, awufaneleki ukukhutshwa kwekhuseleko lokunciphisa, kodwa usenokuhlawula idiphozi ephantsi ye-200 yokukhutshwa kwemali yakho.
Okanye, ukuba ufuna kwaye unokukwazi ukuhlawula, unakho ukuhlawula ukuya kwi-3,000 yee-dollar ukwenzela ukuba ube nemingcele enkulu yemboleko.
Akukho mrhumo wonyaka kunye ne- Capital One Secured MasterCard , kodwa kukho i-APR ephezulu ye-24.99%. Bhatala ibhalansi yakho ngokupheleleyo inyanga nganye kwaye awusoze uvale umphumo werhafu ephezulu.
Ukuyifumana iKhadi eliKhusekileyo yenye enye indlela. Kwakhona ivumela ukugcinwa kweyona nto yokhuseleko lokugcina i $ 200. Akunikezeli ukhetho lokufumana idiphozi ephantsi, kodwa kukuvumela ukuba uhlawule imali ngokubuyisela. Kwakhona akuhlawulisi umrhumo wonyaka kwaye unama-23.24% we-APR ekuthengeni.
Bobabini inkunzi yesiGqeba kunye nokufumanisa ingxelo kwi- credit bureaus enkulu , ngoko ukusebenzisa ikhadi lakho lekhredithi ngokuqinisekileyo kuya kukunceda uvuselele imbali yakho yeebhanki kwaye ufanele ukufumana amakhadi angcono ekhredithi kwixesha elizayo.
Ehlelwe nguLaToya Irby. Amanqaku ekhadi lokuthenga ngetyala kunye neebhonasi zokubhalisa ziya kutshintshwa ukusuka ngexesha lokuhlaziywa. Jonga kwisicelo semimiselo yangoku kunye neemeko.