Qinisekisa ukusebenzisa enye yale makhadi xa uqesha isithuthi
Ngaba uyayazi ukuba ikhadi lakho lekredithi liyakusindisa imali xa uqesha imoto? Amakhadi amaninzi amatyala anikezela ngokukhawulwa kwemoto yerenti njengetyala lekhadi lekhredithi elongezelelweyo elivumela ukuba unciphise umgaqo-nkqubo wekhenkthi yokurenta kwaye ungasindisa amakhulu ama-dollar ekuqeshweni kwemoto yakho.
Ukusebenzisa inzuzo yerenti yokuqeshisa imoto, kuya kufuneka usebenzise ikhadi lakho lekredithi ukuhlawula ukuqeshisa kunye nokunciphisa umonakalo wokuLawulwa koMonakalo / UkuLawulwa kweMali yokuKhutshwa kwemali eyenziwa yinkampani yomshuwalense. Nika ingqalelo ukuba ingaba ikhadi lakho lekredithi libonelela ngeenkonzo eziphambili okanye ezisekondari, izithuthi ezifihliweyo, nokuba ngaba udibeneyo xa uhamba ngelizwe lonke. Ngaba ufuna uncedo lokukhetha enye? Qhubeka ufunda ukuze ufumane amakhadi angaphezulu kweekredithi kwiimoto eziqashisayo.
01 Eyona nto ingabikho kwiLizwe elingenakunikwa: Xhawula iSafa ekhethiweyo
I-Chase Sapphire ekhethiweyo inikezela ngokukhawuleza kwizithuthi oziqashisayo usebenzisa ikhadi lakho lesikweletu. Ngenxa yokuba i-primary coverage, iinzuzo zekhadi lesitalato zikhawuleza kuqala kwaye unako ukuphepha ukufaka ibango kunye nomniki-nkonzo wakho womshuwalense wemoto.
Ufakwe kwixabiso lemali yeenqwelo-mali ezininzi zokuqeshisa ukuya kwiintsuku ezingama-31 ngaphakathi okanye ngaphandle kwelizwe lakho lokuhlala. Ubungakanani buquka ukulimala komzimba okanye ukweba kwimoto yokuqashisa, ukulahleka okusebenzayo ngelixa isithuthi silungiswa kwaye zihlawuliswa ngokufanelekileyo. Ezinye iintlobo zezithuthi zifakwe ngaphandle, kuquka iinqwelo ze-luxury kunye ne-antitique.
I-Chase Sapphire Ekhethiweyo inikezela ibhonasi ye-50,000 ngamanqaku xa usebenzisa i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Kuyafaneleka ukuya kuma- $ 625 ukuya ekuhambeni xa ubhalela kwi-Chase Ultimate Rewards.
Intengo ebalulekileyo : I-APR i-17.24 ukuya kuma-24.24 ekhulwini. Imali yonyaka i-$ 0 ngonyaka wokuqala kunye ne-$ 95 ngonyaka emva koko. Akukho mali yokuthengiswa kwamanye amazwe.
02 Iintlawulo eziPhambili zeNkulumbuso zeKharity Card: I-Chase Sapphire Reserve
I-Chase Chase Sapphire Reserve inika negalelo eliphambili kuyo yonke indawo yokuqeshisa imoto, kodwa inika nemivuzo ye-premium kuyo yonke into oyithengayo. Uzakufumana amalungelo akhethekileyo okuqeshisa imoto xa usebenzisa ikhadi lakho ukuba ubhale ngeNqashiso yeRhafu yeSizwe, i-Avis, ne-Silvercard.
Uya kufumana amanqaku amathathu kuyo yonke idola oyisebenzisayo ekuhambeni nasekudleni kunye nendawo enye yedola oyisebenzisayo kuyo yonke into. Ibhonasi yokubhalisa ingama-50,000 amanqaku xa uchitha i-$ 4,000 ekuthengeni kwiinyanga ezintathu zokuqala-ibhonasi ixabisa ukuya kuma-dollar ayi-750 ngokuhamba xa uhlawulela kwi-Chase Ultimate Rewards.
Ezinye i-premium perks ziquka i-$ 300 yonyaka we-credit statement kunye ne-100 yerhafu yentlawulo yesicelo kwi-Entry Global okanye kwi-TSA Precheck.
Ixabiso elibalulekileyo: I-APR i-17.24 ukuya kwi-24.24 ekhulwini, intlawulo yonyaka i-$ 450, kwaye akukho mali yokuthengiswa kwamanye amazwe.
03 Eyona mivuzo emihle: I-United MileagePlus Explorer Card
I-United MileagePlus Explorer Card enye ikhadi lekhredithi elibonelela ngeenkonzo eziphambili emhlabeni wonke kwiintlobo zezithuthi, ngaphandle kwezithuthi "ezibizayo, eziqhelekileyo kunye ne-antitique".
Njengenkuthazo eyongezelelweyo yokuqeshisa, uza kufumana iilidi zokufumana umvuzo xa uqeshisa ngamanye amaqabane amavuzo, kuquka neHertz, iRoylar Rent A Car ne-Carrifying Car Rental. I-United MileagePlus Explorer Card iquka ezinye iindleko zokuhamba ezikhangayo ezifana ne-inshurensi yokukhansela i-$ 10,000, i-$ 300 ekhunjulwe ukukhutshwa kwemithwalo yempahla, inkxaso kunye ne-500,000 ye-inshurensi yengozi yokuhamba.
Fumana amawaka amabhonasi angama-40,000 emva kokuchitha i-$ 2,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho. Ngokuqhubekayo, uza kufumana iilidi ezimbini nge dollar kwiitikiti ezithengiweyo ukusuka e-United kunye neeyure enye nge dollar kuyo yonke into.
Intengo ebalulekileyo : I-APR i-17.24 ukuya kuma-24.24 ekhulwini. Imali yonyaka i-$ 0 ngonyaka wokuqala kunye ne-$ 95 ngonyaka emva koko. Akukho mali yokuthengiswa kwamanye amazwe.
04 Eyona ndlela yokukhusela abanye abaqhubi: JP Morgan Reserve Credit Card
Abanini bamakhadi abaninzi bekhredithi bajonga kuphela umqhubi ogama lakhe likhishwe kwikhadi lekhredithi elisetyenziselwa ukuhlawula imoto yokuqeshisa. I-JP Morgan Reserve idlulisela ukufikelela kwinqanaba eliphambili kubaqhubi abongezelelweyo abaye babhalwa kwisivumelwano sokuqasha. Umyinge ufikelela kwii-75,000 zamaRandi kwiingeniso ezingadlulanga iintsuku ezingama-31 ezilandelelanayo. Ezinye iintlobo zezithuthi zifakiwe.
Ngokuqhubekayo, unokufumana amanqaku amathathu nge dollar ekuhambeni nasekudleni ukuthengwa kwihlabathi jikelele kwaye ufumana i-$ 300 yenyanga yemali yokuhamba.
I-JP Morgan Reserve iyi-premium umvuzo wekhadi lesikweletu kunye ne-$ 450 yemali yonyaka kunye ne-JP Morgan Private Clients. Hlola nomcebisi wakho kumxhasi ukuba unomdla ekusebenziseni.
05 Eyona ndlela ihamba phambili kwixesha elide lokuqashisa: iKhadi elikhethiweyo leBlue Cash evela kwi-American Express
Qaphela ukuba amanqaku amaninzi ekwereta anikezela ngokukhawuleza kwiingeniso ezidlulileyo iintsuku ezingama-31 ezilandelelanayo. I-American Express inikeza umgaqo-nkqubo wokurenta ongezelelweyo ongayisebenzisa kunye nayiphi na i-American Express Credit Card. Umgaqo-nkqubo ujikeleza iintsuku ezingama-42, kodwa kufuneka ubhalise kwisilinganiso se-$ 24.95 ngexesha lokuqeshisa. Nangona i-postability coverage engabandakanyiyo, unyuke ku-$ 100,000 kwi-primary coverage kunye negalelo lokufa ngengozi, ukufihla kwesekondari kwindleko zonyango kunye nokuthengwa kwepropati yakho.
Ikhadi elikhethiweyo leBlue Cash elivela kwi-American Express lihlawula ibhonasi yemali engama-$ 200 xa uchitha i-$ 1,000 ekuthengeni kwiinyanga ezintathu zokuqala. Ukuqhubeka kuzuza iipesenti ezithandathu zeemali ukubuyela kwi-$ 6,000 kwiintengiso ezithengiweyo ngonyaka ngamnye; ezintathu kwipesenti ze-US kunye nokukhetha izitolo zesebe; kunye neepesenti enye zibuyisela imali yonke into, kuquka ukuthengwa kwevenkile ngaphezu kwama-6,000 ngonyaka.
Ixabiso elibalulekileyo : Jabulela i-APR yesingeniso sokuqala ekuthengeni kunye nokuhanjiswa kwemali kwiinyanga ezili-12. (Ukutshintshwa kwemali-mali kufuneka kwenziwe kwimihla yokuqala yeentsuku ezingama-60 kwizinga lokuphromotha.) I-APR rhoqo i-14.24 ukuya kuma-25.24 ekhulwini. Intlawulo yonyaka i $ 95.
06 Ukugqithiswa kokuBhalisa okuHlalisayo: Citi SiyabongaUthandayo
I-Citi I-ThankYou ekhethiweyo inikezela i-$ 50,000 kwi-worldwide coverage kwiinqwelo eziqashisayo ezithengiweyo ngekhadi lakho okanye amaphuzu akho emivuzo. Umlinganiselo usebenza kwixesha lokuqeshisa ezingekho ngaphezulu kweentsuku ezingama-31 ezilandelelanayo. EUnited States, ukubhalwa kwenkxaso yesibini kukubakho yomshuwalense wakho oyintloko, oko kuthetha ukuba iquka kuphela into enqabileyo yinshuwalense yakho. Ngaphandle kwe-US, ukubhalwa kweyona nto ephambili. Amanqaku angoku aluhlu nawaphi na amazwe anikeziweyo. Wena kunye nawuphi na umqhubi ogunyazisiweyo otyunjwe kwisivumelwano semoto yokuqeshisa.
Uza kufumana ezimbini i-ThankYou Amaphuzu kuzo zonke iidola ozichitha kwivenkile kunye nokuthengwa kwezinto zokuzonwabisa kunye nanjalo NdiyabongaNqaku ngalinye kwi-dollar esetyenziswe kwezinye izinto.
Ixabiso elibalulekileyo : I-Citi I-ThankYou ekhethiweyo inikezela ngezinga le-intro introductions kwibhanki yokuthunyelwa kweenyanga ezi-15 zokuqala. I-14.74 ukuya kuma-24.74 ekhulwini. Akukho ntlawulo yonyaka.
07 Ilungelelaniso kumaShishini amancinci: Hlanganisa iNkampani yeCredit Credit ekhethiweyo yeNk
Sebenzisa i-Chase Ink ye-Credit Card ekhethiweyo ye-Credit Card ukuze uhlawule ukuqeshisa imoto uhambo lwezorhwebo uze ufumane indawo yokuqhawula ngokubaluleka kwiintsuku ezingama-31 ezilandelelanayo. Ubungakanani busebenza kwiindawo zokuqashisa e-US nakwamanye amazwe angaphandle. Ubungakanani besibini xa usebenzisa ikhadi lakho lekredithi ukurenta izithuthi ngezizathu zakho xa uhamba e-US
Ukufumana amanqaku amabhonasi ama-80,000 emva kokuchitha i-$ 5,000 kwiintlawulo zokuqala kwiinyanga ezintathu zokuvula i-akhawunti yakho. Kuxabisa i-$ 1,000 ukuya ekuhambeni xa uhlawulela nge-Chase Ultimate Rewards. Ukufumana amanqaku amathathu nge dollar yokuqala kwi-150,000 kwiintengo ezidibeneyo ekuhambeni, ukuthunyelwa, i-intanethi / ikhefu / ifowuni kunye neendaba zoluntu kunye nenjini yokukhangela ipapasho nganye ngonyaka; ufumane enye ngongoma nge dollar kuyo yonke into.
Intengo ebalulekileyo: I-APR i-17.24 ukuya kwi-22.24 ekhulwini. Intlawulo yonyaka i $ 95. Akukho mrhumo wokuthengiswa kwamanye amazwe.