Imivuzo yeGesi Iikhadi leMatyala Uncedo Ukuchaza amaxabiso aphezulu e-oyile
I-Oil Patch inamanye amakhadi avuzayo kakhulu kumarhwebo. Njengamaxabiso e-petroli aphakama aphezulu, anokukunceda ulahlekise ubuncinci inxalenye yeendleko.
Amanqaku amaninzi ahlawula isaphulelo se-3% okanye ngaphezulu kwiintengo zegesi, kunye ne-1% okanye ngaphezulu kwazo zonke ezinye izinto zokuthenga. Abaninzi babo nabo bahlawula ibhonasi ephezulu kubaxhasi abatsha. Abambalwa abanama-APR aphantsi.
Uninzi lwamakhadi ahlawulela umvuzo wakho ngokuzenzekelayo ngendlela yekhredithi yemali ekuthengeni i-petroli ezayo, ngoko akufanele ulandelele.
Ukuba uhamba ezininzi ngeemoto, ezi makhadi kufuneka ukuba nazo. Ezi ziintlanu zethu ezintandokazi.
I-Visa Card ye-Pen Pen Pledum ye-Penish Plashum
I-Visa ihlawula i-5% emva kokuthengwa kwephesoline kwipompo kungakhathaliseki ukuba yintoni na isisitishi oyisebenzisayo. Ufumana i-2% kwiivenkile kunye nepesenti enye yonke indawo. Ukongeza, ama-APR aphantsi awenza leli khadi libe lelinye lamakhadi alungelelaniso-ukutshintshela amakhadi.
Ukuze ukwazi ukufaneleka kweli khadi, kufuneka ube ilungu lePentagon Federal Credit Union. Ukuba unempi okanye unxulumene nomntu onjalo, uvumelekile ukujoyina. I-PenFed inamanye amaninzi amakhadi atyala.
02 BP Card Visa
Ufumana ama-5% emva kwizithuba ze-BP kunye ne-Amoco. Ufumana imali engama-2% emva kokuhamba kunye nokuthenga ukutya kunye ne-1% kwezinye izinto ezithengiweyo. Ngexesha leentsuku zokuqala ezingama-60, ufumana i-cash-back back, oku kuthetha ukuba ufumana i-10% ekuthengweni kwepetroli.
Xa ufumana ubuncinane iR $ 25 kwiingaphulelo, unako ukuhlawulela imali ngekhadi lesipho le-BP, isheke okanye umnikelo kwiNgxowa-mali yokuLondolozwa kweMvelo. Akukho mali eninzi yezaphulelo ongafumana kuyo kwinkqubo. Kukho u-APR ophantsi ukuba ufanelekile.
Nangona kunjalo, awufumani umvuzo kwiivenkile zokutya okukhawuleza, ii-supermarket, amaqela okugcina izinto, izitolo zokunciphisa kunye nabalingane babo. Ngoko ungakhathazeki ukuyisebenzisa kwiWalmart, Target, BJs kunye nezinto ezifana.
03 Hess Visa Platinum Card
Ufumana isaphulelo se-3% kwi-Hess yokuthengwa kwepetroli, kodwa ngeenyanga ezimbini zokuqala ufumana i-10%, njengeBP Card. Umvuzo wokuba u-10% uthathwa kwi-$ 40, kodwa kufuneka uchithe i-$ 400 kwishefu ngaphambi kokuba uhlawule.
Emva kweenyanga ezimbini zokuqala, ufumana i-3% emva kokuthengwa kwegesi. Loo mvuzo uthathwa kwi-$ 12 ngenyanga, kodwa kwakhona kufuneka uchithe i-$ 400 ngenyanga kwi-Hess ngaphambi kokuba udlulile.
Ngaphandle kwezitishi zeHess, ufumana i-1% epheleleyo emva; akukho mda kwizaphulelo ongafumana kuzo ezo zithengiweyo.
04 I-Chevron kunye ne-Texaco Visa Card
Ufumana i-$ .10 ngomvuzo wegolon wokukhupha kwiivenkile zaseChevron naseTechaco. Kucinga ixabiso le-3.50 yegolon, eli malunga nesaphulelo se-3%. Ukongeza, ufumana isaphulelo esipheleleyo se-3% kuzo zonke iintengiso ezingekhoyo uphethiloli ngaphakathi kwezitishi ze-Chevron ne-Texaco. Ubuye ufumane i-1% epheleleyo emva kwayo yonke into ekuthengiweyo, ngokungakhathaliseki ukuba ayithengi i-petroli kwizikhululo.
Izaphulelo zihlawulelwe ngokuzenzekelayo ngesimo sesitatimende sekhredithi ngokuthengwa kweenyanga ezizayo ze-Chevron kunye ne-Texaco fuel. Kukho i-dollar ye-$ 300 yonyaka kwizaphulelo ongazenzayo.
Ukongeza ngaphezu kwemali yonyaka, eli khadi linomgangatho ophantsi we-APR, ukuba uyakufanelekela.
05 ExxonMobil Platinum MasterCard
Umvuzo oyintloko uyi-$ .15 nganye ngegolon ekuthengeni i-petroli kwi-Exxon nakwii-Mobil izitulo lonke. Oko kusebenza phantse kwi-4% ngokude nje ukuba amanani ahlala phantsi kwe-$ 4 i-gallon. Ufumana kwakhona i-0.5% kwi-$ 999 yokuqala yokuthenga, 1% ukuya kwii-6,000 zamawaka, i-2% ekuthengeni ukuya kuma-$ 10,000, kunye ne-1% kuyo yonke into engaphezu kwe-$ 10,000. Okungenani kubhetele okanye kulunge ngakumbi kunokufumanisa kunye namanye amaninzi amakhadi okubuyisela imali.
Ukubuyisela umvuzo wakho kulula kwaye ngokuzenzekelayo. Emva kokuba ufumene ubuncinane i-$ 10, umvuzo wakho uzuzwa kwisitatimende sakho sekhadi lesikweletu ukuba usebenzise kwixesha elizayo lokuthenga i-petroli. Iimbambano ziphela emva kweminyaka emibini ukuba awuzikhululi.
I-APR imela kakhulu kule khadi, ngoko rhoqo qiniseka ukuba uhlawula ibhalansi ngokupheleleyo ngenyanga.