Sebenza ekwakheni ikhredithi yakho indlela ephephile
Amakhadi ezikoloto ezikhuselekileyo zikhethekileyo kakhulu kulabo abanenkathazo yokufumana imvume yekhadi lesikweletu ngenxa yeempazamo zangaphambili zetyala okanye ukungabikho kwembali yesikweletu. Ikhadi lekhredithi elilondoloziweyo lilula ukuvunyelwa ngenxa yokuba wenze idiphozi yokukhusela "ukukhusela" umda weekhredithi. Ngethuba nje uhlala kunye neentlawulo, i-deposit yakho yokubuyisela iya kubuyiselwa kuwe xa uvala i-akhawunti yakho.
Amakhadi ekhredithi asemgangathweni anikezelwa ngamanqaku ahlukahlukeneyo kubanikazi bamakhadi ukusuka kwi-deposit-low-deposits ukuze bafumane umvuzo kunye nokuba banako ukufumana umda wemali yesithandathu. Xa ukhetha ikhadi lekhredithi elikhuselekile, qiniseka ukuba ubeka ingqalelo kwixabiso, ngokukodwa umrhumo wonyaka ukusingenakunqandwa. Ngokufanelekileyo, uya kuhlawula ibhalansi yakho ngokugcwele ukukhusela iintlawulo zenzalo kodwa uya kwesantya somyinge ophantsi xa ucinga ukuba uya kugqiba ukuphatha ibhalansi.
01 Imivuzo Eyona mihle: Yifumene ikhuselekile
Ukufumanisa iKhadi leMatyala eliKhuselekileyo lihlobo olunqabileyo lwekhadi lesikweletu elilondoloziweyo elihlawula umvuzo. Uya kufumana iipesenti ezimbini zeemali kwiivenkile okanye kwiitishi zegesi ukuya kwi-$ 1,000 ekuthengeni okudibeneyo nganye kwikota. Ngaphezulu kwelo, uza kufumana ipesenti enye imali emva kwakho konke ukuthenga kwakho. Njengebhonasi, Ukufumanisa kuya kuhambelana ngokuthe ngqo kwikhokhelo emva kokuba ufumana ngonyaka wakho wokuqala.
Unokwenza idiphozi yokugcina i-$ 200 yokugcina ukuvula ikhadi lakho lesikweletu. (Ikhuseleko lokugcina i-$ 2,500). Emva koko, ukuqala kwiinyanga ezisibhozo, Qaphela uza kuhlaziya umlando we-akhawunti yakho ukuqinisekisa ukuba unokufumana imali yokubuyisela imali yakho kunye nokugcina umda wakho wesikweletu.
Ngokukufumanisa ikhadi eliKhuselekileyo leMatriki uza kuba nokufikelela kwamahhala kwinqanaba lakho le-FICO kwiinkcazo zakho zenyanga zokuhlawula, nakwi-mobile kunye ne-intanethi. Ukufumanisa kwakhona kunika izaziso zeNtlalo yoKhuseleko yamahhala, ukukwazisa ukuba inombolo yakho yokhuseleko yoluntu itholakala kwiiwebhusayithi eziyingozi kwi-intanethi.
Intengo ebalulekileyo : I-APR i-24.24 ipesenti kwaye akukho ntlawulo yonyaka.
02 I-Deposit Yokugcina Ekhuselekileyo: I-Capital One MasterCard ekhuselekile
Ngenkunzi ye-One One MasterCard ekhuselekile, unokukwazi ukuhlawula idiphozithi ye-$ 49, i-$ 99 okanye i-200 engama-$ 200 ekhuselekileyo. Ukugcinwa kwakho kwekhuseleko ngokusemthethweni kusekelwe kwi-credit card yakho. Emva kokuba uvunyiwe, uya kuba nenketho yokwenza ukhuseleko olongezelelweyo kwi-credit limit limit xa ungathanda.
Imali yakho yexesha-mali. Emva kokwenza iintlawulo zakho zokuqala zenyanga ezintlanu ngexesha, i-Capital One izakuqwalasela ngokuzenzekelayo ukunyuka kwemali yesikweletu, ngaphandle kokufuna ukuba wenze ukhuseleko olongezelelweyo.
Nge-Capital One eVikelekileyo MasterCard uza kuba nokufikelela kwiinzuzo ezongezelelweyo ze-MasterCard ezifana newaranti enwetshiwe, i-inshurensi yemoto yerenti, i-inshurensi yengozi yokuhamba, iiyure ezingama-24 zokuncedisa indlela kunye nokukhuselwa kwamanani.
Intengo ebalulekileyo : I-APR i-24.99 iphesenti kwaye akukho ntlawulo yonyaka.
03 Eyona ndawo ayikho I-Check Check: I-Sky Open Credit Card
Ekubeni ikhadi elivulekileyo leKhadi eliKhuselekileyo leKharityi ayifuni ukutshekishwa kwekhredithi, kulula kakhulu ukuba kuvunywe ukuba unalo ukuhlahliswa kwangoku okanye u-bankruptcy onokukwenza kube nzima ukufumana ezinye iimakhadi ezithengiweyo.
Unokwenza idiphozi yokhuseleko ukusuka kwi-$ 200 ukuya kwii-3,000 zama-dollar ukwenzela ukuba umlinganiselo wesikweletu wentengo efanayo. I-Sky evulekile inikezela ngeendlela ezininzi zokwenza ukhuseleko lwakho, nokuba unayo i-akhawunti yokujonga. Unokwenza idipozithi ngekhadi lokubambisa, ukudluliselwa kwefowuni kwiBhanki yeNtloko, kwiWest Union, okanye ngokuthumela iisheksi okanye umyalelo wemali.
Ngelishwa, i-Open Sky ayinikezeli amandla okuguqula ikhadi lakho kwikhadi lekhredithi elingakhuselekanga. Ingxelo yembali yakho yemali kwiingxelo ezintathu zeentengo zemboleko zemali. Emva kokulawula i-akhawunti yakho ngeenyanga eziliqela, unakho ukufumana ikariti yekhredithi engakhuselekanga kunye nomnikezeli wekhadi lokuthenga ngetyala.
Ixabiso elibalulekileyo: I-APR i-18.64 yepesenti kunye nentlawulo yonyaka i-$ 35.
04 Eyona ndlela iphezulu kwi-High Credit Limit: I-Wells yaseKardi eKhuselekileyo yeCredit Credit
Ukuba unomdla kwikhadi lekhredithi elikhuselekile kunye nethuba lokumisela umthamo ophezulu, i-Wells Fargo Ikhadi leTyala eliKhuselekileyo likhethi lakho. Unokufaka i-$ 10,000 kwi-10 000 yemali yemali. Ubuncinane bokhuseleko luyi $ 300.
Ngokuhamba kwexesha, unako ukulungele ukuphucula kwikhadi lekhredithi elingakhuselekanga ukuba ulawula iakhawunti yakho kakuhle. Okona ubuncinci, oko kuthetha ukuthatha zonke iintlawulo zakho zenyanga ngexesha, kuzo zonke iakhawunti zakho zekredithi, kungekhona nje kuphela i-Wells Fargo yakho yeKhadi leMali eliKhuselekileyo. I-Wells Fargo ayicacisi ukuba kuthatha ixesha elingakanani ukuphucula iakhawunti yakho yekhadi lekhredithi.
I-Wells Fargo Ekhuselekile ngeKhadi leKharityhulam ikunika ukufikelela kwezinye iindleko zeVisa ezifana nokuchithwa komonakalo wokutshatyalaliswa kwemoto, ukuhamba ngeenkonzo zokuncedisa uxakeko kunye nokukhuselwa kwefowuni.
Intengo ebalulekileyo : I-APR i-20.25 ekhulwini xa kuthengwa kunye nokuhanjiswa kwemali kunye nemali yonyaka i-$ 25.
05 Eyona Mfazwe: I-Navy Federal neeRewards iVisa ekhuselekile
I-Navy Federal nRewards Visa eVikelekileyo yinye ikariti ekhredithiweyo engaqhelekanga ehlawulela umvuzo - enye ngongoma nganye idola oyisebenzisayo ukuba ube yinto echanekileyo. Unako ukukhupha amaphupha akho ngamakhadi wesipho, ukuthengiswa, ukuhlawulwa kwemali okanye isitatimenti sekhredithi.
Imivuzo iphelelwa yiminyaka emine ukusuka kwinyanga oyifumanayo. Akukho myinge kwinani lemiphumo onokuyifumana kwaye unako ukuyihlawula xa ufumana amanqaku angamawaka (eyi-$ 1,000 kwiindleko).
Ukuba unelungu okanye umlindi we-Armed Forced, i-DoD ilungu okanye ilungu lentsapho yenye yeli, unako ukujoyina iNavy Federal Credit Union kwaye ufake isicelo seNavy Federal nRewards Visa Safe. Kufuneka wenze idiphozithi okungenani i-$ 500 kwi-akhawunti ye-Navy Federal ye-Navy ukuze usebenzise isicelo se-VRs Visa Safe.
Ixabiso elibalulekileyo: I-APR i-9.99 ukuya kwi-18 yeepesenti kuye kuxhomekeke kwinqanaba lokuthenga ngetyala kwaye akukho ntlawulo yonyaka, imirhumo yokudlulisela imali okanye imali yokuthengiswa kwamanye amazwe.
06 Eyona ndlela ilungele ukuphucula: I-National Bank yasekuqaleni i-Visa Card
NgeKharityhulam yeSizwe ye-First National Bank, i-good credit behavior ihlawula. Uyakufanelekela ukwandiswa kwematyala kwiinyanga ezimbalwa nje ukuba wenze zonke iintlawulo zakho zenyanga ngexesha. Emva koko, unakho ukufaneleka ukufumanisa ukhuseleko lwakho kwidilesi ezili-11. Kwakhona, kuya kufuneka ugcine imbali yeebhanki efanelekileyo yokuphucula i-akhawunti yakho kwikhadi lekhredithi elingakhuselekanga. Unokuvula i-akhawunti yakho kunye nentlawulo ye-deposit phakathi kwe-$ 300 kunye ne-$ 5,000.
Njengomgcini wekhadi lokuqala we-National Bank, uza kufumana isikolo samahhala seFICO ngenyanga nganye kunye nenkokhelo yakho yenyanga yokuhlawula. I-FICO yakho ikunika isibonakaliso sakho sokuthenga ngetyala kwaye ikubonisa indlela amanqaku akho okwenza ngayo iikredithi atshintsha ixesha.
Intengo ebalulekileyo : I-APR i-18.99 iphesenti ekuthengeni kunye nokuhanjiswa kwemali kwaye akukho mali yonyaka.
07 Ilungelelaniso lokufumana umdla: USAA I-American Express ephephile
Xa ufaka isicelo se-USAA i-American Express ekhuselekileyo, uya kuvula isatifiketi semali yesibini (i-CD) egcina isigxina sakho sokukhupha uze ukhokhe izinga lentengo eguqukileyo kwidiphozithi yakho. Unokufaka kwi-$ 250 ukuya kwii-5,000 zama-$ ukukhusela umda wakho wemali. Ngaphezulu unako ukuyibeka, inomdla ongayifumana. I-USAA iya kubika imbali yakho yekhadi lesitaliti kwii-three ezinkulu zemali-mboleko zemali, eziza kukunceda amanqaku akho ekhredithi ngokukhawuleza ukuba uhamba kunye neentlawulo zakho.
Kufuneka ube ilungu le-USAA ucele i-USAA i-American Express ekhuselekileyo. Ubulungu buvuleleke kumalungu omkhosi kunye neentsapho zabo.
Ixabiso elibalulekileyo: I-APR i-11.15 ukuya kwi-21.15 yepesenti, akukho sihlomelo APR kwaye imali yonyaka i-$ 35.