Ngaba unomvuzo ophezulu wekhredithi? Khangela iplastiki ofuna ukuyifumana
Ukuba nekhredithi enkulu kakhulu ivula umhlaba weendlela zekhadi lokuthenga ngetyala-kunye nemivuzo emangalisayo, i-perks kunye nepesenti zentengiso ephakamileyo. Inxalenye enzima ayifumaneki kwikhadi lekhredithi elikhulu, unciphisa ukhetho lwakho olulodwa. Xa ukhetha ikhadi lekhredithi elihle kakhulu kwi-credit card, khangela iibhonasi zokubhalisa, i-perks kunye nentlawulo yonyaka. Cinga indlela oqhelekileyo yokusebenzisa ngayo iinjongo kunye neenjongo zekhadi lakho lekhredithi-umzekelo ukufumana imali engaphezulu okanye ukuhlawula ibhalansi yemingeni ephezulu-ukukhetha okulungileyo. Ngaba ufuna uncedo? Funda ukuze ubone iikhedi zamakhadi ezifanelekileyo ukuba ufake isicelo sokuba unetyala elihle kakhulu.
01 Imiphumo ehamba phambili yokuhamba: Chase Sapphire ekhethiweyo
Ikhadi elikhethiweyo likaCafe Sapphire ngokuqinisekileyo lilungelo lokuhamba ngokukhawuleza kwikhadi lekhredithi kubantu abanekhredithi enkulu kakhulu. Unokufumana ama-bonus angama-50 000 emva kokuchitha i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho (ngokungakhathaliseki ukuba awufumani enye ibhonasi ukusuka kwiCandelo kwiinyanga ezintathu ezidlulileyo). Ibhonasi ixabisa i-$ 625 yeeyure xa uhlawulela nge-Chase Ultimate Rewards, iThuluzi lokubuyisela kwi-Chase.
Uza kufumana amanqaku amabini kuwo wonke ama dollar ochithayo ekuhambeni nasekudleni ukuthenga kunye nenqaku elilodwa kuyo yonke idola ochitha kuyo yonke indawo. Zonke iingongoma ozibuthelayo zixabisa ngaphezulu kweepesenti ezingama-25 xa uhlawulela nge-Chase Ultimate Rewards. Ngaphezulu, ungadlulisela amaphuzu akho kwiinkqubo zokuhlawula umlingani kwi-1: 1 ratio.
Ngaphandle kwebhonasi kunye nemivuzo, uya kuba nokufikelela kwamanye amaninzi okuhamba okubandakanya uhambo lwe-inshuwalense yokukhansela, ukubuyiswa kwexesha lokubambisa ukubuyisela, inshurensi yokulibaziseka kwempahla kunye nomonakalo wokutshatyalaliswa komphambili wokuhamba kombane. Uya kufuneka uhlawule uhambo lwakho (okanye ukuqeshisa imoto) kunye nekhadi lakho lekredithi ukuze ufumane izibonelelo.
Ixabiso elibalulekileyo : I-APR rhoqo i-17.24 ukuya kuma-24.24 ekhulwini, imali engama-$ 95 yonyaka ikhutshwe ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe.
Unomdla wokufunda ezinye iimvavanyo? Khangela ukukhethwa kwethu kwamakhadi asematyala angcono kunye neendlela ezihamba phambili zokuhamba .
02 Iindlela ezihamba phambili zokuhamba ngeendleko eziqhelekileyo: I-Capital One Venture
Ngekhadi lokuqala leCredit One Venture, uzakufumana amawaka amabhonasi angama-50 000 emva kokuchitha i-$ 3,000 kwikhadi lakho lesikweletu ngaphakathi kweenyanga ezintathu zokuqala kwe-akhawunti. Enye yeyona ibhonasi enkulu yokubhalisa nayiphi na ikhadi lekhredithi.
Ngokuqhubekayo, uza kufumana iilidi ezimbini nge dollar kuyo yonke into oyithengayo. Isilinganiselo esiphezulu semivuzo sakhiwo senza kube lula ukulandelela imivuzo oyifumanayo. Akudingeki ukuba usebenzise imali yakho. Ngaba ufuna ukufumana umvuzo ngaphezulu kokuthenga? Incwadi kunye ne-Hotels.com kwaye ufumane iimitha ezili-10 nge dollar xa uhlawula nge-Capital One Venture ikhadi lakho lesikweletu.
Intengo ebalulekileyo : IP APR rhoqo ukuthengwa kunye nokuhanjiswa kwemali ku-14.24 ukuya kuma-24.24 ekhulwini. Intlawulo ye-$ 95 yonyaka ikhutshwe ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe.
03 Ikhadi leKharityhulam eliPhambili eliphezulu: IPlatinum Card evela kwi-American Express
I-Platinum Card esuka e-American Express ihlawula i-60,000 yobungqina bemivuzo emva kokuba usebenzisa ikhadi lakho lesikweletu ukuze wenze i-$ 5,000 ekuthengweni kwiinyanga ezintathu zokuqala.
Ngokuqhubekayo, uza kufumana amaPhulo amahlanu obulungu obunini kwiihotele ezifanelekileyo ozifumanayo kwi-amextravel.com kunye nakwiindiza ozibhenkisayo ngokuthe ngqo kwiinqwelo-moya okanye nge-American Express Travel. Uza kufumana enye inqaku nge dollar kuyo yonke into.
Abanikazi bamakhadi bakhuphukela kuma-$ 500 kwii-credited ze-Uber kunye nezinye iirhafu ze-airline zemali nganye ngonyaka ezibandakanya iziganeko ezifana nezindleko zeempahla, ukutya kwe-moya kunye neminye imirhumo ehlawulwa yinqwelo-moya efanelekileyo.
Intlawulo ebalulekileyo : Intlawulo yonyaka i $ 550. Lelikhadi lokukhawuleza, oku kuthetha ukuba uya kuhlawula ibhalansi yakho ngokugcwele inyanga nganye kwaye ungabhatali nzala.
04 Ikarata Yemva Ephezulu Yemali Yemizalwane: I-Blue Cash ekhethwa kwi-American Express
Ukukwazi ukufumana imali yesithandathu yemali kwi-supermarket yase-US yenza iBlueCash Daily Day evela kwi-American Express ikhadi elikhulu lekhredithi kwiintsapho. Uya kufumana imali eyongezelelweyo kubo bonke abo batyelela ivenkile. Iingingqi ezintandathu ezenza umvuzo uphawulwe kwi $ 6,000 kwiivenkile zokuthenga. Uyakufumana imali yeepesenti ezintathu kwii-gesi ze-US kwaye ukhethe izitolo zase-US kunye neepesenti enye ukubuyisela imali yonke into.
Fumana imali engama-$ 200 xa uchitha i-$ 1,000 kwikhadi lakho lekhredithi kwiinyanga zokuqala ezintathu zokuvula i-akhawunti yakho. Ngelishwa, ukuhanjiswa kwemali kungabalwa malunga nokufumana ibhonasi yokuchitha. Uya kufuneka wenze ukuthenga ukuba ufuna ukufumana ibhonasi.
I-BlueCash Dailyday Card esuka kwi-American Express inikeza ipesenti yeepesenti yo-APR ngomhla wokuhanjiswa kwemali kunye nokuthengwa kweenyanga ezili-12 zokuqala.
Intengo ebalulekileyo : I-APR rhoqo i-14.24 ukuya kuma-25.24 ekhulwini. Imali ye-$ 95 yonyaka ikhutshwe ngonyaka wokuqala.
05 Eyona ndlela ephezulu yeCash Back: Ukuyiqonda
Ukufumanisa ihlawulela imali engama-5 yeepesenti kwi-$ 1,500 ekuthengeni kwiindidi ezijikelezayo nganye kwikota. Qinisekisa ukuba ubhalise kwi-Intanethi okanye ngokusebenzisa i-app yeselula ukufumana kwizinga lesithandathu kwipesenti. Zonke ezinye izinto ezithengwayo zifumana enye ipesenti zemali. Njengebhonasi yabanini bamakhadi abatsha, Ukufumanisa kuya kuhambelana ngokuthe ngqo kunye nemali oyibuyisele yona ekupheleni konyaka wokuqala.
Unokuphinda usebenzise inzuzo yePesenti ye-14 kwenyanga ye-APR yokuthenga kunye nokuhanjiswa kwemali.
Ukufumanisa kwakhona kunikezela ngeFreeze, ukuguqula / ukuvala utshintshi okuvumela ukuba ukhusele ukusetyenziswa okungagunyazisiweyo kwekhadi lakho lesikweletu. Phinda uthole amanqaku akho eFICO mahhala inyanga nganye kwisitatimenti sakho sokuhlawula.
Intengo ebalulekileyo : I-APR rhoqo i-11.99 ukuya kuma-23.99 ekhulwini. Akukho ntlawulo yonyaka.
Hlola ezinye iimpendulo zeekhredithi zemali-mboleko zemali ezifumanekayo ezikhoyo kwimarike namhlanje.
06 Ilungelelaniso lokuTshintshiselana kwemali: Chase Slate
Xa udlulisela ibhalansi enkulu, imali yokudlulisela imali iyakongeza. Nge-Chase Slate, awuyi kuhlawula irhafu yokudlulisela imali kuyo nayiphi na ibhalansi oyithumelayo kwiintsuku ezingama-60 zokuvula i-akhawunti yakho. Emva koko, imali yokulinganisela i-pesenti yesihlanu yemali edluliselwe okanye ubuncinci be-$ 5, nayiphi na enkulu. Kwi-balance ye $ 10,000, uza kusindisa i-$ 500 nje ngokutshintshe imali yakho ngokukhawuleza.
Jabulela ipesenti yeepesenti yo-APR ngomhla wokuthengwa kunye nokuhanjiswa kwemali kwiinyanga ezili-15 ukususela kwi-akhawunti yokuvula. Emva koko, i-APR yama-15.99 ukuya kwi-24.74 ipesenti iyasebenza. Akukho mrhumo wonyaka kwaye akukho nhlawulo APR xa ulahlekelwa intlawulo.
Njengomgcini wekhadi le-Chase, ungahlala phezulu kwinqanaba lakho lekhredithi kunye nokufikelela kwisikolo samahhala seFICO inyanga nganye, kwakunye neendlela ezi-5 eziphambili ezichaphazela amanqaku akho.
Ngaba ufuna olunye uncedo ekufumaneni oko ufuna? Funda ngokubhaliweyo kwinqanaba lekhredithi yekhadi lesikweletu .
07 Ihotele ehamba phambili: I-Starwood ekhethiweyo yeKhadi leKharithi yeNdwendwe
Ukuba ukhangele ikhadi lekhredithi eliza kukuhlawula umvuzo omkhulu wokuhlala kweehotele, iKhadi leNkxaso yeNdwendwe ye-Starwood ekhethekileyo. Njengomgcini wamakhadi omtsha, unokufumana ama-bonus angama-25,000 xa wenza i-$ 3,000 ekuthengweni kwiinyanga ezintathu zokuqala ukuvula ikhadi lakho lekhredithi.
Ngokuqhubekayo, uza kufumana ama-Starpoints amahlanu nge dollar ekuthengeni kwiihotele zase Starwood ezifanelekileyo, ezimbini ze-Starpoints nge-dollar ekuthengeni kwiihotele zeMarriott Rewards kunye ne Starpoint enye nge dollar kuzo zonke ezinye izinto zokuthenga. Unokuzihlawulela umvuzo wakho malunga nokuhlala kwiimpawu ze-SPG, ezibandakanya iSt Regis, W Hotels, Westin, kunye neZine Amaphuzu ngeSheraton.
Uya kufumana isikweletu ngamasihlanu ezintlanu kwaye ezimbini zihlala unyaka ngamnye ngokubhekiselele kwizinga le-SPG elite. Unokutshintshela i-Starpoints kwiinkqubo ezihamba ngeenqwelo-moya ezihamba ngeenqwelo-moya ezingaphezu kwama-30 - ezinye zize zivumele ukuba udlulisele kwisiseko esisodwa.
Intengo ebalulekileyo : I-APR i-16.49 ukuya kuma-20.49 ekhulwini xa kuthengwa, i-$ 95 yemali yonyaka ikhutshwe ngonyaka wokuqala kwaye akukho mali yokuthengiswa kwamanye amazwe.
Ngaba ufuna ukujonga ezinye iindlela? Khangela isikhokelo sethu kumakhadi asematyala angcono kakhulu ehotele .