Ukuqala iikholeji? Sineemakhadi ezithengileyo kakhulu kuwe.
Ukufumana ikhadi lekhredithi njengomfundi kunokudideka, ngakumbi okokuqala. Kukho iindlela ezininzi zokukhetha kuzo, kunzima ukukwazi ukuba ukhangele ntoni kwaye ikhadi lekhredithi linjani. Iimali zamakhredithi ezingcono kakhulu zabafundi zinomrhumo ophantsi okanye akukho mali wonyaka, inqanaba lomncintiswano, kunye nembuyekezo okanye izinto ezifunyanwa ngabafundi.
Amakhadi okuthenga ngetyala esikolu luhlu yiyona nto ibhetele kakhulu. Bavela kubaniki bamakhadi abathengiswa ngamakhadi kwaye banikezela umvuzo ekuthengeni kunye neepaki ezizodwa zabafundi. Abanye bade banike i-interest rate ekhethekileyo ye-0 yepesenti, enokukunika ithuba lokuba usebenzise iakhadi yamatyala ngaphandle kweendleko ezongezelelweyo.
Emva kokuba uvunyiwe kwikharityhulam yekhredithi ozikhethelayo, qiniseka ukuba ugcina ibhalansi yakho iphantsi kwaye wenze zonke iintlawulo zakho zenyanga ngexesha. Le migaqo emihle iya kunceda ukwakha imbali yakho yekhredithi kwaye ikuvumela ukuba ufanelekele izinto ezinjengemoto, indlu okanye indlu kwixesha elizayo. Ngoku, makhe sijonge kumakhadi ekhredithi afundwe kakuhle.
01 Ngokugqwesileyo: Ukukufumanisa kwabafundi
Ngona yinto enokwenzeka kakhulu ekufumaneni umvuzo, ukuyifumanisa kubafundi bekhadi lesikweletu kuyindlela yokuhamba. Ukufumana imali engamahlanu ehlawulwa kwiiklasi zokujikeleza ngekota kunye nepesenti enye emva kwayo yonke into. Kumele ubhalise ukuze ufumane imali engama-5 ekhulwini kwimali yebhonasi. Njengobhonasi, Ukufumanisa kuya kufana, idola-dollar, yonke imali oyibuyisele yona ekupheleni konyaka wakho wokuqala.
Unokufumana imali engama-$ 20 yebhonasi yemali nganye ngonyaka wesikolo sakho iGPA i-3.0 okanye ngaphezulu. Unokufumana ibhonasi ukuya kwiminyaka emihlanu ezayo.
Intengo ebalulekileyo : Akukho ntlawulo yonyaka. Fumana i-APR ye-0% ye-intro introductions kwiinyanga ezintandathu. Emva koko, i-APR rhoqo i-13.99 ukuya kuma-22.99 ekhulwini.
02 Imiphumo emihle yeendleko zemivuzo: Uhambo lweeNkcazo zabafundi abavela kwiNkunzi eyodwa
Ngohambo lweeKota zeMali zabaPhakathi kwiCredit One, abafundi bafumana ipesenti enye imali emva kwayo yonke into yokuthenga. I-Capital One inikeza inkuthazo enkulu ekukhuthazeni imikhuba yamakhadi enetyala: umvuzo owongezelelweyo wokuhlawula ngexesha. Unokwandisa imali yakho ukuya kwi-1,25 pesenti nganye ngenyanga uyenza inkokhelo yakho ngexesha.
Akukho mda kwintlawulo yemali emva koko unokufumana kwaye umvuzo wakho wemali awupheli.
Ukuziphatha kakuhle kwekhadi lokuthenga ngetyala kuya kukuvumela ukuba ufumane enye umvuzo: ukunyuka komlinganiselo wesikweletu. Ukuba wenza iintlawulo zakho zokuqala ezintlanu ngexesha, ulungele ukunyuka kwemali yemali. Ukwenza kube lula ukwenza iintlawulo ezifike ngexesha, unakho ukuguquguquka kokukhetha usuku lwakho olufunekayo.
Intengo ebalulekileyo : Akukho ntlawulo yonyaka okanye iimali zokuthengiswa kwamanye amazwe. I-APR rhoqo i-24.99 iphesenti.
03 Eyona ndlela efanelekileyo yokutya kunye neGesi imivuzo: Fumana i-Chrome kubafundi
Ukuba ungumfundi ochitha ixesha elininzi ekudleni nasegesi, Ukufumanisa i-Chrome kubafundi kukuthi. Ukufumana imali yeepesenti ezimbini kwiivenkile kunye nezitishi zegesi ukuya kwii-$ 1,000 ezidibeneyo zithengwa ngekota kunye nepesenti enye kuyo yonke into. Akukho kubhaliswa okufunekayo.
Njengoko Ukukufumanisa kwabafundi, unokufumana imali engama-$ 20 ngemali emva komnyaka wesikolo sakho i-GPA i-3.0 okanye ngaphezulu, ukufikelela kwiminyaka emihlanu ezayo.
Intengo ebalulekileyo : Akukho ntlawulo yonyaka. Uza kufumana ipesenti yeepesenti ye-APR kwiminyaka ezintandathu. Emva koko, i-APR rhoqo i-13.99 ukuya kuma-22.99 ekhulwini.
04 Amaphuzu amahle kakhulu Amakhadi ekhadi lokuthenga ngetyala: Citi SiyabongaUkhetha abafundi baKholeji
I-Citi yoMbuleloUyaKhethwa ngabaFundi beKholeji banikezela ibhonasi yokubhalisa kakuhle. Uya kufumana amanqaku amabhonasi angama-2 500 emva kokuchitha i-$ 50 ekuthengeni kwiinyanga ezintathu zokuqala ze-akhawunti. Amaphupha angama-2,500 axabisa i-25 zama-card kumakhadi wesipho, i-electronics kunye nokunye kubonga ku-youtube.com.
Ngokuqhubekayo, uya kufumana amanqaku amabini nge dollar ekudleni nasekudleni ngaphandle kunye nenqaku elinye kwi-dollar kuzo zonke ezinye izinto zokuthenga.
Intengo ebalulekileyo : Akukho ntlawulo yonyaka. Jabulela ipesenti yeepesenti yo-APR ngomhla wokuthenga ngeenyanga ezixhenxe. I-APR rhoqo iphakathi kwe-15.74 kunye neepesenti ezingama-25.74, ngokuxhomekeke kubukwereti bakho.
05 I-Best for Students International: Fumana i-Edu MasterCard yabaFundi
Amanqaku amaninzi ekwereta afuna inombolo yokhuseleko loluntu. Yiloo ndlela abakhupheli bekhadi lokuthenga ngetyala banokuqinisekisa ubungqina bomfundi kwaye bajonge imbali yabo yekhredithi. Oku kungabangela ingxaki kunoma ngubani ongenalo inombolo yokhuseleko loluntu, kubandakanywa nabafundi bamazwe ngamazwe.
I-Edu MasterCard ifanele ihlawulwe ikhesenti enye yemali engenamkhawulo emva kwayo yonke into ethengiweyo kwikhadi lekhredithi. (Oku akubandakanyi intuthuko yemali, izilinganiso ezihanjiswe kwelinye ikhadi lekhredithi okanye ukuthengwa). Kuyafaneleka kwakhona ukuhlawulela ubulungu be-Amazon Prime Student, ukuvumela abanikazi bamakhadi ukuba bakwazi ukufikelela kwiVideo, i-Music, nokufunda. Ubulungu be-Amazon Prime Student ubume ngama-49.99 ngamawaka.
Emva kokuvunywa, Makufanele uqale ukunika ingxelo kwingxelo yemali yakho yemali kwii-credit bureaus, oko kuthetha ukuba ukusetyenziswa kwekhadi lakho lokuthenga ngetyala kuya kukunceda ukuba wakhe umlinganiselo omhle wamatyala. Ukusebenzisa ikhadi lakho ngokufanelekileyo kukuvumela ukuba uvumeleke kwi-Deserve Pro MaseterCard, ehlawula ipesenti zeemali ezimalini emva kokuhamba kunye nokuzonwabisa, iipesenti ezimbini kwiindawo zokutya kunye neepesenti enye emva kwazo zonke ezinye izinto zokuthenga.
Intengo ebalulekileyo : IP APR rhoqo ngama-19.99 ekhulwini. Akukho ntlawulo yonyaka.
06 Ibhonasi yokuBhalisa kakhulu: iBhanki yaseMerika ihamba ngeRewards kubaFundi
Ibhanki yaseMerika ihamba Iintlawulo zabafundi bekhadi lesikweledu lihlawula iindawo ezilungileyo zebhonasi ezingama-20,000. Ukuze ufumane ibhonasi, uza kuchitha i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti yakho. Ngalolu khadi, ibhonasi engama-20 000 inokukhululwa kwi-statement ye-200 yekhredithi malunga nokuthengwa kohambo olwenziwe kwikhadi lakho lesikweletu.
Ngokuqhubekayo, uza kufumana iipalenti eziyi-1.5 kwiidola zonke ozichithayo ekuthengeni. Ngaphezulu, unokufumana ibhonasi yeepesenti ezili-10 kwimbuyekezo yakho ukuba unayo i-Bank of America esebenzayo yokujonga okanye yokugcina i-akhawunti. Ungasebenzisa ukuhlawula umvuzo wakho kuyo nayiphi na i-airline okanye ukuthenga ihotele nanini na.
NjengoBhanki waseMelika umnini-khredithi wekredithi, uya kukwazi ukufikelela kwisikolo sakho seFICO mahhala nge-Mobile Banking okanye kwi-banking. Amanqaku eFICO aya kukugcina ukuhlaziywa apho i-credit yakho imele khona.
Ixabiso elibalulekileyo : Jabulela umyinge wepesenti wenzala yentengo ekuthengeni kwimijikelezo yokuqala yokuhlawula i-12. Emva koko, i-APR rhoqo i-15.99 ukuya kuma-23.99 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
07 Eyona ndlela ilungele ukuKhutshwa kweZakhiwo: I-Capital One i-MasterCard ekhuselekile
Kuqhelekile ukuba abafundi bazise i-credit yabo ngethuba lokuqala ukuba kunzima ukufumana imvume yamakhadi-kredit. Yilapho ikhadi elilondoloziweyo lekhredithi linokuba luncedo.
Ngekhadi lekhredithi eliqinisekileyo, uhlawula idiphozithi yokukhusela ukukhusela umda wemali.
Ngenkunzi ye-One One MasterCard ekhuselekile, uya kuba nenketho yokuhlawula i-$ 49, i-$ 299, okanye i-$ 200 yokukhutshwa kwokhuseleko ngokusekelwe kwi-creditworthiness yakho. Ngomlinganiselo osisiseko osisigxina okhuselekileyo, uzakufumana umyinge we-$ 200 ekhawuntini lakho ukuqala ngawo. Ukuba ungathanda umlinganiselo wesikweletu omkhulu, ungayifaka imali engakumbi ngaphambi kokuba i-akhawunti yakho ivule.
Emva kokuba ufumene ikhadi lakho lesikweletu, ungayisebenzisa njengalowo nawuphi na ikhadi lekhredithi. Ngenkunzi ye-One One MasterCard ekhuselekile, unelungelo lokunyusa umlinganiselo wesikweletu xa wenza iintlawulo zakho zokuqala ezintlanu ngenyanga. Awunakuze wenze naluphi na ukhuseleko olongezelelweyo olugcinwe kule mali yokunyuka kwemali.
Njengomntu oyintloko Umthengi, uya kufumana i-CreditWise, inkonzo yokujonga ngetyala ekhululekile ekunceda uhlale phezulu kwimbali yakho yematyala.
Ixabiso elibalulekileyo : I-APR i-24.99 iphesenti. Akukho mrhumo wonyaka.