Idilesi zeVD zeVisa

Ukujonga kwiindlela ezimbini, iCash vs Easy Reward Points

Le mivuzo emibili evela kwi-TD Bank ifana ngokufanayo: umntu uhlawula isaphulelo semali, enye inqaku. Kodwa qaphela: iakhadi yamaphuzu ahlawula umvuzo wokuhlawula umvuzo ophantsi kunokuba uguqulelo lwe-cash-back.

Ngubani oMgangatho we-VD Cards Visa Cards

• Abantu abafuna ikhadi lesikweletu ehlawula umvuzo.

I-Credit Rating iyadingeka

• Efanelekileyo ukuya kwiNgcaciso (660+)

Iingxelo zee-TD zoMvuzo weVisa Credit Cards

• I mivuzo.
• Imivuzo emibili kwiinyanga ezintandathu zokuqala.

• Izinga lentengo ephantsi (ukuba ufanelekile).
• Akukho ntlawulo yonyaka.

Iingxelo zee-TD zoMvuzo weVisa Credit Cards

• Iakhadi ikhadi lihlawula isaphulelo esincinane kunekhadi lemali.

Imivuzo

• Imali yemivuzo yeCash: iipesenti ezi-2 zemali emva kokuthenga ngexesha leenyanga ezintandathu zokuqala, ke i-1 pesenti ibuyele imali.
• Ikhadi lemivuzo elula: iingubo ezi-2 nge dollar ekuthengeni kwiinyanga ezintandathu zokuqala, emva kwe-1 iphuzu ngalinye nge dollar.

APR

• 0 iipesenti zenyanga ezintandathu.
• Emva kwexesha lokuqala, 11.24, 16.24, okanye i-21.24 ekhulwini, kuxhomekeke ekutyala kwakho.

Imali

• Akukho ntlawulo yonyaka.
• Imali yokudluliselwa kwemali: Iipesenti ezi-3 zokulinganisela.
• Imali ehlawuleyo: i-39.

Iintlawulo zemali zeBhanki ze-TD kunye nemivuzo elula yokuKhutshwa kweKhadi leMatyala

Amakhadi afana nefana neTD Bank abonisa enye yeengxaki ngamakhadi ekwereta ezikuvuza kumaphuzu kunokuba ube nemali engumdala osemgangathweni, oko kukuthi ixabiso langempela leengongoma lidla ngokukhawuleza. Kukho isizathu saloo nto: amanqaku ayisoloko ayifanelekanga njengemali.

Ngokuqinisekileyo kunjalo apha.

Ngexa i-TD Cash Imbuyekezo I-Visa Card ihlawula ipesenti enye ye-rebate-back back on your spending (iipesenti ezimbini kwiintengo zansuku zonke kwiinyanga ezintandathu zokuqala), i-TD Easy Rewards Visa Card ikuhlawulela kumaphuzu, enye ingongoma nganye idola . Uvakala okufanayo, akunjalo?

Ngelishwa, iwebhusayithi ye-TD ayikuxeleli ngaphambili ukuba elinye iphuzu alifani nepesenti enye ngemali. Enyanisweni, kubaluleke kakhulu kuncinci.

Ukuba u tyelela i-website ye-TD ye-intanethi yokuhlengwa kweendawo, ukhethe ukhetho lwamakhadi wesipho somthengisi. Ngokomzekelo, i-$ 25 ikhadi lesipho e-Amazon libiza ama-4,500 amaphuzu. Oku kusebenza kwi-rebate ye-0.55 yeepesenti, nje kuphela ngaphezu kwesigamu sepesenti enye. Ikhadi lesipho se-$ 50 libiza ama-6,000 amanqaku, okanye iipesenti ezingama-0.83. Kungcono, kodwa kusekho ngaphantsi kwepesenti enye. Amanye amakhadi wesipho ayafaneleka, nokuba ngamaphesenti angama-0.55 okanye iipesenti ezingama-0.83.

Ukuba unomdla kumashishini, umvuzo uyingozi nakakhulu: I-Nintendo WII yenkqubo yokudlala iindleko zee-51,900 iingubo, ezibonisa intengiso ye-$ 519, ngokuthatha i-rebate ye-1%. Ndifumene inkqubo efanayo kwi-Amazon.com nje nge-$ 300. Iintlawulo zihlawulelwa emva kwe-$ 25.

I ngcebiso

Thatha imali. Xa kuziwa kumakhadi-mboleko ahlawula amaphuzu endaweni yengxowa, soloko ufunda ukushicilelwa okulungileyo kwaye uzama ukufumanisa ukuba zininzi kangakanani na amanqaku. Ngokuqhelekileyo, njengale meko, amanqaku ayifanelekanga phantse ngokwemali. Ukuba inkampani yekhadi lesikweletu yenza kube nzima ukufumanisa loo nkcazelo, ungayichitha ixesha lakho: khetha imali okanye ufumane elinye ikhadi.