Ingcinga ehlakaniphile ukuba ubhalisele enye yamakhadi
Iindleko zomdla kwiakhadi zemboleko zingenza kube nzima ukuhlawula ibhalansi enkulu. Kwiimali zamakhadi zesikweletu, inzala iyayiphumeli inzuzo yembuyekezo oyifumene nayo. Ngethamsanqa, abaninzi abanokukhishwa ngamakhadi-kredenti banikezela ngamakhadi e-credit card ezithintelayo ukuba bakwazi ukuhlawula inzala xa kuthengwa okanye ukuhanjiswa kwemali okanye zombini. Unokusebenzisa ngokunjalo la makhadi amakhredithi ukuba ahlawule ukuthenga okukhulu kungekho nzala okanye ukudlulisela ibhalansi yemingeni ephezulu.
Iipesenti zepesenti zentengo zemali zithengwa ixesha elide, akukho ntlawulo yebhanki yokutshintshwa okanye ukunikezela ngesantya sokunyusa kwiibhanki zokuthunyelwa kunye nokuthengwa. Uzakufumana ezimbalwa zohlobo ngalunye kuluhlu lwethu lweepesenti ezingcono kakhulu zekredenti zamakhadi.
01 Eyona nto ingenayo Imali yokuTshintshiselwa kweMali: Chase Slate
Imali yokudlulisela imali kwi-balance balance isenokubiza. Ukuba uyadlulisela ibhalansi enkulu, i-Chase Slate iyona ndlela efanelekileyo yokuphelisa indleko yokudlulisela imali. I-Chase Slate ayihlawulanga imali yokudlulisela ibhalansi kwiimali ezihanjiswe kwiintsuku ezingama-60 zokuvula i-akhawunti yakho. Ukulinganisela okudlulileyo emva kweentsuku zokuqala ezingama-60 kuhlawuliswa umrhumo we-5 ekhulwini okanye i-$ 5, nokuba ngowona mkhulu.
Ukuthengwa kunye nokutshintsheliswa kwamanqanaba amabini bobabili bafumana inzala yepesenti ezili-15 ukusuka kwi-akhawunti yokuvula. Emva koko, i-APR yama-15.99 ukuya kwi-24.74 ipesenti iyasebenza. Akukho sihlwayo ku-APR kwaye akukho ntlawulo yonyaka.
02 Efanelekileyo kwixesha elide lokukhuthaza: Citi Simplicity
Xa ufumana into enhle, ufuna ukuba ihlale ixesha elide kunokwenzeka. Yaye yile nto uyenayo kunye neCiti Simplicity - iinyanga ezingama-21 ezingenamdla kumthengi kunye nokutshintshwa kwemali. Kuphantse iminyaka emibini kungekho nzala. Emva kwexesha le-interest rate ye-zero, i-APR rhoqo i-15.24 ukuya kwi-25.24 ipesenti, ngokusekelwe ekutyala kwakho.
Ukuba usebenzise inzuzo yepesenti yepesenti yokutshintshwa kwemali, uza kuhlawuliswa i-$ 5 okanye ipesenti ezintathu zebhanki yakho njengemali yokuthumela imali. Akukho mali yokugqibela, akukho ntlawulo yehlawulo kwaye akukho ntlawulo yonyaka. Omnye u-perk: ufanele ukhethe ukuhlawula kwakho umhla ofunekayo ukwenzela ukuba intlawulo yakho ihlawulwe ngexesha elifanelekileyo kakhulu kuwe kunye neendleko zakho.
03 Eyona ndlela yokulungiswa kwemivuzo: iBlueCash Dayday Card ukusuka kwi-American Express
I-BlueCash Dayday Card esuka kwi-American Express ihlawula umvuzo wemali ekuthengeni kwaye inePesenti yokuqala yee-APR ekuhanjisweni kwemali kunye nokuthengwa kweenyanga ezili-15 zokuqala - kungekho mali yonyaka. Emva kokuba ixesha lokuqalisa liphelile, i-APR i-14.24 ukuya kuma-25.24 ekhulwini. Ukuba usebenzisa ikhadi lakho lekredithi ukuthumela imali, uya kuhlawula i-$ 5 okanye ipesenti ezintathu zeentengiso.
Ukuthenga kwakho kwi-BlueCash Dayday Card kuzuza imivuzo. Uya kufumana imali emithathu yeepesenti kwiivenkile ze-US ukuya kwi-6,000 zamawaka ngonyaka; Iipesenti ezimbini zeemali kwiSiteshi ze-US kwaye ukhethe izitolo zaseMzantsi Afrika kunye neepesenti enye imali emva kwayo yonke into. Ukufumana imali engama-$ 150 ngemali xa uchitha i-$ 1,000 kwikhadi lakho lekhredithi kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ukutshintshwa kwezinto ezilinganisiweyo akubalanga ngokufumana imali yebhonasi.
I-Best Best Customer Service: Ukuyiqonda
Fumana ngokukhawuleza ufumana ubungakanani kunye namabhaso ngenkonzo yabathengi. Le yinto enye yezinto ezenza ukuba Zikufumanise enye yeepesenti eziphezulu zentengo zekredithi. IPesenti ye-zero ye-intro ye-APR isebenza kokuthengwa kokubili kunye nokuhanjiswa kwemali kwiinyanga ezili-14. Emva koko, i-APR rhoqo i-11.99 ukuya kwi-23.99 iphesenti. Imali yokudluliselwa kwemali kwi-Discover yi-3%.
Unokufumana nembuyekezo ekuthengeni kwakho. Ukufikelela kuma-1,500 eentengo ekuthengeni kwiindidi ezithile zenza imivuzo emihlanu yeepesenti. Ezi zigaba zijikeleza nganye kwikota, ngokuqhelekileyo zisekelwe ekuthengeni kwexesha. Qinisekisa ukuba ubhalisa kwiintlawulo zeepesenti ezintlanu ukuze uqale ukuzuza ekuqaleni kwekota. Zonke ezinye izinto ezithengwayo zifumana enye ipesenti zemali. Fumana ngokuzenzekelayo ulingana nekheshi emva kokuphela konyaka wokuqala kubo bonke abanikazi bamakhadi abatsha.
Uza kufumana ezinye izinto ezininzi ngokuzifumanisa. Isikolo samahhala seFICO sifakwe kunye neengxelo zakho zenyanga zokuhlawula. Ngaphezu koko, i-Freeze it / off off switch ikuvumela ukuba uvule kwaye ukhuphe ukufikelela kwikhadi lakho lekredithi ukukhusela iindleko zobuqhetseba.
05 Eyona mivuzo yohambo lokuhamba: CapitalOne VentureOne
I-Capital One Venture iyinqanaba lokuhamba ngokukhawuleza kwekhadi lesikweletu elinikezela ngenani lentengo yepesenti ekuthengweni kweenyanga ezili-12 zokuvula i-akhawunti yakho. I-APR rhoqo i-13.24 ukuya kuma-23.24 ekhulwini.
Uza kuzuza i-1.25 yeekhilomitha nge dollar engapheliyo kuyo yonke into oyithengayo ekuthengeni kwikhadi lakho lesikweletu. Abanini bamakhadi abatsha banethuba lokufumana amawaka amabhonasi angama-20 000 emva kokuchitha i-$ 1,000 kwikhadi lakho lesikweletu kwiinyanga zokuqala ezintathu zokuvula i-akhawunti yakho. Unako ukukhupha iikhilomitha njengengxelo yekhredithi kuyo nayiphi na intengiso yokuthenga oyenzayo kwikhadi lakho lesikweletu. Unokufumana inani elingenamkhawulo wembuyekezo kwaye umvuzo wakho awuyikuphelelwa ixesha elide njengoko i-akhawunti yakho igcinwa kakuhle.
06 Eyona ntlawulo kwiNqanaba leNzala eliphantsi emva kokuPhakanyiswa: I-US Bank Platinum Visa Card
I-US Bank Platinum Visa Card inikeza ipesenti yeepesenti yePesenti yo-APR ngomhla wokuthenga kunye nokuhanjiswa kwemali kwimijikelezo ye-18 yokuhlawula. Emva koko, i-APR i-11.49 ukuya kuma-23.29 ekhulwini. Lekhadi inikeza ezinye izinto ezincinci. Unokukhetha usuku lwakho olufanele kwaye ufikelele kwi-TransUnion yakho yekhredithi.
Bhatala i-bill yakho yefowuni kunye nekhadi lakho lesikweletu kwaye ufumane ukukhuselwa kwesofowuni ukukhusela ukuya kuma-$ 600 kwimeko yomonakalo okanye ukweba. Umlinganiselo usebenza kwiifowuni ezintathu kwaye i-deductible i-$ 25 kuphela. Unokusebenzisa oku kukuncedisa i-inshurensi yenkampani yakho okanye ukhansele i-inshurensi yakho yenkonzo kwaye ugcine imali kwi-bill cell phone yakho.
07 I-Best Best for Students: Ibhanki yaseMerika Ukuhamba Iintlawulo zabaFundi
Ibhanki yaseMerika Ukuhamba Iingcipheko zekhadi lesikweletu somfundi unikeza ipesenti yepesenti yentengo yesingeniso sokuthenga ekuthengeni kwimijikelezo yokuqala yokuhlawula i-12. I-APR rhoqo i-15.99 ukuya kuma-23.99 ekhulwini.
Ukongeza kokunandipha ukungenasithakazelo kokuthenga unyaka, abafundi abakhetha iBhanki yaseMerika Bahamba Imivuzo yabafundi bekhadi lesikwereti bafumana umvuzo wokuhamba ngokuthenga. Ngokuqhubekayo, abafundi baya kufumana iipalenti eziyi-1.5 nganye idola elichithwe ekuthengeni. Ngaphezulu, kukho ithuba lokufumana amanqaku amabhonasi angama-20,000 emva kokuchitha i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti yakho. Ibhonasi inokukhululwa kwi-statement ye-200 yeentengo zemali malunga nokuthengwa kohambo olwenziwe kwikhadi lakho lekhredithi.
Abafundi abaneBhansela yaseMelika yokujonga okanye yokugcina i-akhawunti banokufumana i-bonus ye-10 yepesenti kwimbuyekezo. Imivuzo ingahlawulelwa kuyo nayiphina i-airline okanye ukuthengwa kweehotele nanini na. Uza kuba nokufikelela kwisikolo sakho seFICO ngokusebenzisa i-Bank of America's Mobile Banking okanye nge-banking. Le ntlawulo idibanisa nabafundi abaqala ukudala izikolo zabo zekhredithi.