Ikhadi labafundi elihle, akukho-Frills, kunye nemivuzo
Ngenxa yokuba ikhadi lekhredithi elisetyenziselwa abafundi beekholeji, i-Wells Fargo Cash Back College iVisa yikhadi elikhulu lekhredithi ukuqala ngalo.
Abantu abadala abakhulileyo bangasebenzisa eli khadi ukuseka imbali yesikweletu esinamandla kwaye bafumane umvuzo wemali kwinkqubo.
Imivuzo kwi-Wells Fargo Back College iVisa
I-Wells Fargo Cash Back Ikholeji yaseVisa inomsebenzi omhle wokufumana umvuzo ngokucinga ukuba yikhadi labafundi beekholeji. Unokufumana umvuzo wemali engama- 3% kwi-gesi, ukutya, ukuthengwa kwezidakamizwa kwiinyanga ezintandathu zokuqala kunye ne-1% yembuyekezo yemali kuyo yonke into ekuthengwayo. Akukho mingcele kwimbuyekezo ongayifumana kwaye unako ukuwahlawulela imali ngokukhawuleza kwiakhawunti yakho yase-Wells Fargo.
Ukuze wenze uninzi lwemivuzo yakho, hlawulela ibhalansi yakho ngokupheleleyo nyanga zonke ukuze ungaphephe intlawulo ekuthengeni kwakho.
I-Wells Fargo inikezela nge-Cellular Telephone Protection eza kubonakalisa umonakalo okanye ukweba kwefowuni yakho xa uhlawula ibhilikhwe yakho nge-Wells Fargo Cash Back Visa College.
Okukufunayo ukufaneleka
Uya kufuna i-akhawunti ye-Wells Fargo ukuze ufaneleke. I-Wells Fargo iya kucela inombolo yakho yokhuseleko loluntu, ulwazi lwesikolo kunye neengeniso.
Ukuba uneminyaka engaphantsi kweminyaka engama-21 , kuya kufuneka unikezele ubungqina bemivuzo yakho ukuba ivunyiwe. Ngaphandle koko, uya kufaka isicelo kunye nomntu omdala oneminyaka engaphezu kwe-21 onomvuzo.
Iinkcukacha zexabiso
Imirhumo ehambelana ne-Wells Fargo Cash Back i-Visa yekholeji ihamba kunye namanye amanqaku amatyala. Ekubeni akukho mali yonyaka, unokuziphepha zonke ezinye iimrhumo kwikhasi esekelwe kwindlela oyisebenzisa ngayo.
Umzekelo, unokusebenzisa ikhadi lakho ngokukhululekile xa ukhusela iimali ezithatha imali, uhlawule ngexesha ngenyanga, kwaye unokuqiniseka ukuba kukho imali eyaneleyo kwi-akhawunti yakho yokujonga ukuhlawula imali yakho.
| Intlawulo yonyaka | Akukho |
| Ukuthenga APR | 0% kwiinyanga ezili-6; ke i-11.40% ukuya kwi-21.40% |
| Ukulinganiswa kokudlulisa u-APR | 0% kwiinyanga ezili-6; ke i-11.40% ukuya kwi-21.40% |
| I-Cash Advance kunye ne-Overdraft Protection APR | 24.24% |
| Imali yokuTshintshiselwa kweMali | 3% yokudluliselwa okanye i-$ 5 kwiinyanga ezintandathu zokuqala; 5% okanye i-$ 5 |
| Imali ehlawulwa ngemali | $ 10 okanye 5% |
| I-Overdraft Protection Advance Fee | I-12.50 yezigidi eziphambili ngaphantsi kwama-R50; U-20 wama-$ ukuqhubela phambili kwi-$ 50 |
| Imali yokuThengiswa kwamanye amazwe | 3% |
| Ixesha Elihlawulekileyo | Ukufikelela kuma-37 |
| Imali yokuhlawula ebuyisiwe | Ukufikelela kuma-37 |
Ukuba uvunyiwe, unokudibanisa i-Wells Fargo Cash Back i-Visa yaseKholeji kwi-akhawunti yakho yokukhangela ukukhuselwa kwe-overdraft. Nangona kunjalo, ukuqhubela phambili kwe-overdraft kuya kuhlawulwa intlawulo ye-$ 12.50 okanye i-$ 20 kuye kuxhomekeke kwisixa semali. Inkqubela phambili ye-Overdraft ihlawuliswa inzala ephezulu ngaphezu kokuthenga. Ngoxa ukudibanisa ikhadi lakho kwi-akhawunti yakho yokukhangela kunokuthintela iindleko ezidityanisiweyo ze-overdraft kunye ne-akhawunti yakho yokukhangela, inokuba yindleko. Kungcono ukuphepha i-overdrafts ngokupheleleyo.
Iinyanga ezi-6 zokuqala ezinee-Wells I-Fargo Cash Back i-Visa yaseKholeji
Ngexesha leenyanga ezintandathu zokuqala ukuba nekhadi lakho lesikweletu, uya kunandipha kakhulu.
Ezinye izinto ezithengiweyo ziya kuhlawula imali kwi-3% kwaye awuyi kuhlawula inzala ekuthengeni, nokuba ngaba uhlawule. Kubalulekile ukuba ungavumeli ukuba le nto ifune ukukukhwela kwi-trap trap. Unokulingwa ukuba uhlawule ibhalansi ephezulu ukuze ufumane umvuzo omkhulu kwaye uhlawule ubuncinci nje kuba kungekho nzala. Kodwa, gcinani engqondweni ukuba iinyanga ezintandathu ziya kudlula kunokuba uyazi.
Kungcono ukungena kumkhwa wokuhlawula ngokugcwele ukususela ekuqaleni. Ngaloo ndlela, udala imimiselo yokuhlawula eqinileyo eya kukugcina ngaphandle kwetyala lekhadi lokuthenga ngetyala kwaye kukunceda ukwakha amanqaku amatyala entle.
Ehlelwe nguLaToya Irby. Amanqaku ekhadi lokuthenga ngetyala kunye neebhonasi zokubhalisa ziya kutshintshwa ukusuka ngexesha lokuhlaziywa. Jonga kwisicelo semimiselo yangoku kunye neemeko.