Imiphumo engcono kakhulu yamakhadi ekredithi ngo-2017 atyunjwe ngokusekelwe kwibhonasi yokubhalisa, inqanaba lomvuzo oqhubekayo, ukhetho lokuhlawulela, umrhumo wonyaka , kunye nezinye iikhadi lekhredithi. Ama-APR , kuquka ukupapashwa kwe-APRs akuyena umbandela ukususela ngokuhlawula ngokupheleleyo kunye nokuphepha ukuthatha inzala ngokupheleleyo yindlela efanelekileyo yokufaka imali kwikhadi lesikweletu.
Ukuba ukhangele ukufaka umvuzo omtsha wekhadi lesikredenti yakho i-wallet kulonyaka, khangela olu luhlu lwembuyekezo ephezulu kakhulu yamakhadi ekratshi kwimarike okwangoku.
Ikhadi leMali emihle yeCash: I-American Express Blue Cash ekhethiweyo
Ikhadi elikhethiweyo le-American Express Blue Cash linikeza umvuzo wemali eyi-150 xa uchitha i-$ 1,000 kwiinyanga ezintathu zokuqala zokuvula ikhadi lakho lekhredithi. Ngokuqhubekayo, ikhadi lihlawula iipesenti ezi-6 zeemali kwiivenkile zithengwa, zifakwe kwi $ 6,000 ngonyaka. Yiyo imali eyi-360 yemali emva komnyaka owodwa ukuba uninzi olukhulu lokuchitha imali kule candelo kuphela, into enokuyenza xa uchitha imali engama-$ 500 kwizidlo nganye ngenyanga.
Abanikazi bamakhadi baya kufumana imali engama-3 ekhulwini kwimali yesitishi kwaye ukhethe izitolo zesebe e-United States. Akukho mda kwixabiso lemali emva kwakho ongayifumana kwisigaba sepesenti e-3.
Zonke ezinye izinto ezithengiweyo, kuquka ukuthengwa kwevenkile ngaphezu kwe-6,000 zamawaka ngonyaka, thola ipesenti ezi-1 emva kwemali.
Kukho okunye okungafaniyo ukufumana imali emva kwe-Amex Blue Cash ekhethiweyo.
Ukuthengwa kwevenkile yokutya akubandakanyi ukuthengwa okwenziwe kwiindawo ezinkulu kunye nezitolo zokugcina izinto. Ukuthengwa kweesitishi segesi akubandakanyi ukuthengwa kwegesi ezenziwe kwiivenkile, ii-supermarkets, kunye neevenkile zokugcina. Kumele wenze ukuthenga kwakho kwiivenkile zokutya kunye nezitishi zegesi ezimele ukufumana umvuzo ophezulu. Ngaphandle koko, oku kuthengwa kuya kufumana ireyithi yomvuzo we-1.
Ukuhlawulwa kwakhona kwemali kuhlawulelwa kwiDraw Cash Reward Dollars ngokunyuka kwama-dollar ayi-25 kwaye iyafumaneka xa kukho umvuzo wakho wokulinganisela ubuncinane ubuninzi bama-dollar ayi-25. Imivuzo ingahlawulelwa njengengxelo yekhredithi eya kunciphisa ibhalansi yakho esele ihlawulwe ngemali yentlawulelo.
Kukho imali engama-$ 95 yonyaka okhutshwe ngawo kunyaka wokuqala kwaye unokukhutshwa ngokulula xa usebenzisa ikhadi lekhredithi kuzo zonke izinto zokutya, igesi kunye nezesebe zesebe. Ngomnyaka wesibini kunye nonyaka emva koko, kufuneka uchithe ubuncinane i-$ 1,600 kwizinto zokutya unyaka ngamnye ukuhlawula kwimali ye-$ 95 yonyaka.
I-American Express iza neenzuzo ezongezelelweyo ezifana nokulahleka kwemoto yokulahlekelwa kunye nenkunkuma yomshuwalense, i-inshurensi yengozi, uncedo lendlela, i-warranty eyongezelelweyo, ukhuseleko lokubuyela kunye nokukhuselwa kokuthenga.
Iipesenti ezi-5 eziphambili zeeKharityhi zeMali eziPhindayo kwiKhadi: Khupha iNkululeko
I-Chase Freedom Credit Card inikeza ibhonasi yemali eyi-150 yemali xa uchitha i-$ 500 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho.
Kukho ukubamba: unokufumana kuphela ibhonasi yokubhalisa ukuba awufumani ibhonasi ukusuka kwiChese kwiinyanga ezingama-24 ezidlulileyo. Ukuba sele usenayo ikhadi le khredithi, khangela izitatimende zakho ezidlulileyo okanye ucele umnxeba ngenkonzo ukuba ufumane ukuba kwaye xa ugcine ukufumana ibhonasi yokubhalisa.
Abaxhasi bekhadi leNkululeko bafumana imali engama-5 e-cash back ekuthengeni kwiindidi ezithile ezijikelezayo nganye kwikota kunye ne-1 ekhulwini kuzo zonke ezinye izinto zokuthenga. Ukususela ngoJanuwari ukuya ku-Matshi 2017, umzekelo, abanikazi bamakhadi bafumana imali engama-5 ekhulwini kwimali yesitishi kunye nokuthengwa kwezothutho. Ukuhlawulwa kwemali kwi-5% yezinga lepesenti kufakwe kwi $ 1,500 nganye kwikota. Xa usifikile ekuthengeni umyinge uzakufumana i-1 pesenti yemali emva.
Kumele usebenze imali yakho yeepesenti ezi-5 emva kwembuyekezo nganye kwikota ukuqinisekisa ukuthenga okufanelekileyo kufumana imali ephezulu.
Kusenokwenzeka ukuba ufanele ulungelelanise ukusetyenziswa kwakho kwekota nganye ukuya kumaqela angama-5 eentengo zokuchitha.
Akukho mda kumvuzo onokuwufumana, kodwa kufuneka uhlawulele ubuncinci bama-$ 20 ngalunye. Ukuhlawulelwa kungenziwa njengesitatimende sekhredithi, i-elektroniki idibanise kwi-akhawunti yokujonga okanye i-akhawunti yokulondoloza, okanye ngamakhadi wesipho okanye ezinye iindlela zokuzihlangula ngokusebenzisa i-Chase Ultimate Rewards.
I-Chase Inkululeko ayikho imali yonyaka echaza ukuba unako ukuzonwabisa nempahla yekhadi ngaphandle kwesixa ungekho enye inzala okanye iirhafu.
Ininzi yeFlexible Cash Ngemuva kweKhadi leKhariti: I-Capital One Quicksilver Imbuyekezo
Ngekhadi elilodwa leMali eliPhezulu leMali eliPhumela iKhawulezi, abaphathi bamakhadi bafumana ibhonasi ye-$ 100 emva kokuchitha i-$ 500 ekuthengeni kwiinyanga ezintathu zokuqala zokuvula i-akhawunti. Ngokuqhubekayo, ukuthenga kuzuza imali engapheliyo ye-1.5 yeepesenti. Oko kuthetha ukuba akukho mda kwizinto onokuzifumana kwaye akudingeki ulungelelanise imali yakho ukuze ufumane imali kwiindidi ezithile.
Imivuzo ayisoze yaphela kwaye ingahlawulelwa ukubuyisela imali ngemali nayiphi nayiphi na isixa. Akukho mrhumo wonyaka kwaye akukho ntlawulo yenkcitho yangaphandle kwiCart One One Quicksilver Rewards card ekunika ithuba lokunandipha umvuzo wakho ngaphandle kokuhlawula iindleko ezongeziweyo.
I-rate-flat rate reward card ikharityhulam ilungele ukuba abathengi abasebenzisa imali kwiindawo ezahlukeneyo, abangafuni ukuhlawula umrhumo wonyaka, okanye abangafuni ukufumana ingxaki yokuzama ukuqhubeka kunye neentlobo zenkcitho.
Eyona nto ilungele ukuKwakha okanye ukuKhuthazwa kwakhona
Uninzi lweemali zamakhadi zekredithi zifuna ukuba ube nekhredithi efanelekileyo ukuba ufaneleke. Ukufumanisa kunendlela enhle kakhulu kubathengi abangenawo amanqaku amanqaku aphezulu.
Ukukufumanisa ikhuselekile ihlawula iipesenti ezi-2 zekheshi emva kokufikelela kwi-$ 1,000 yokutya kunye kunye nokuthengwa kwegesi kunye neepesenti eziyi-1 imali emva kwayo yonke into. Njengebhonasi, Fumana imimiselo yonke imbuyekezo yemali oyifumanayo kunyaka wokuqala i-akhawunti yakho ivulekile. Akukho myinge kwimbuyekezo yemali ongayifumana kwaye umvuzo wakho awupheli. Unako ukuhlawulela umvuzo wakho wemali (ityala lesitatimenti) nangaliphi na ixesha, sebenzisa umvuzo wakho ngamakhadi wesipho kwii-Discover Deals, okanye usebenzise nembuyekezo yakho ekuthengeni kwi-Amazon.com.
Akukho mrhumo wonyaka oya kuwufumanisa ikhadi elikhuselekile, kodwa kufuneka wenze idiphozi yokubuyiselwa imali eyi-$ 200. Idiphozithi iyimpawu yazo zonke amakhadi ezitalato ezikhuselekile kwaye igcina umda wekhredithi kubanikazi bamakhadi abangenako ukufumana ilungelo lokufumana ikhadi lekhredithi.
I-perk ezobhenela abantu abazama ukuvuselela ikhredithi yabo : Fumana ingxelo ingxelo yeakhawunti yakho kwii- three bureaus ezinkulu zemali . Ukuba i-akhawunti iqukwa kwingxelo yakho yekhredithi iya kunceda i-credit yakho nje kuphela xa uphatha iakhawunti yakho kakuhle. Emva kokuba ube ne-akhawunti yakho kwiinyanga ezisixhenxe, Qaphela ukuba uza kuhlolisisa i-akhawunti yakho ngokukhawuleza ukuze ubone ukuba ufanelekile kwi-akhawunti engayifuni idiphozi yokukhusela.
Iindlela ezihamba phambili zokuhamba ngeKhadi leKhariti: Chase Sapphire ekhethiweyo
I-Chase Sapphire Ikariti yekhredithi ekhethiweyo ineyona ibhonasi enkulu yokubhalisa kwayo yonke imivuzo yamakhadi ekwereti. Abanini bamakhadi bafumana amanqaku amabhonasi ama-50 000 emva kokuchitha i-$ 4,000 kwiintengo zokuqala kwiinyanga ezintathu zokuqala ze-akhawunti. Ibhonasi ixabisa ukuya kuma-625 ayi-625 xa uhlawulela amaphuzu akho nge-Chase Ultimate Rewards, i-Chase e-intanethi yembuyekezo yokuhlawulela ithuluzi. Ngaphezu koko, ukuba ungeze umsebenzisi ogunyazisiweyo kwaye uthenge ukuthenga kwiinyanga ezintathu zokuqala, uza kufumana ama-bonus angama-5 000. Inani elilinganiselwa kuma-55,000 lilinganiselwa kuma-687.50. Ukuze ufumane ibhonasi, awukwazi ukufumana ibhonasi kule nto okanye enye ikhefu kwikhadi kwiinyanga ezingama-24 ezidlulileyo.
Oqhubekayo, abanikazi bamakhadi bafumana amanqaku amabini kwidola ngalinye elichithwe ekudleni nasekuhambeni kunye nenqaku elilodwa kuwo wonke ama dollar asetshenziswe kuyo yonke into. Iingqinisiso zemivuzo zixabisa ngaphezulu kweepesenti ezingama-25 xa uzikhulula ngokuShawula iMvuzo emihle.
Ngenxa yokuba u-Chase Sapphire okhethiweyo awunamathele kuyo nayiphi na i-airline okanye i-hotel brand, unakho ukuguquguquka kokusebenzisa umvuzo wakho wokuhamba. Ngaphezu koko, i-Chase izakuvumela ukuba udlulisele amaphuzu akho kumakhonkco asebenza naye kwi-1: 1 ratio, oku kuthetha ukuba awuyi kulahlekelwa ngamanqaku ekudlulisweni.
Akukho mali yokuthengiswa kwamanye amazwe eyenza ikhadi elifanelekileyo lokusetyenziswa ngelixa uhambahamba ngamazwe ngamazwe.
I-Chase Sapphire ekhethiweyo ine-$ 95 yemali yonyaka ekhutshwe ngonyaka wokuqala. Emva komnyaka wokuqala, kuya kufuneka uchithe phakathi kwe-$ 3,800 kunye ne-$ 7,600 ngonyaka ukuze udibanise kwimali yonyaka. Ngaphandle koko, ukuba awuyena mkhulu u-spender, ikhadi alinakukunceda ngaphezu konyaka omnye.
I-Best No Fee yonyaka yohambo lokuThumela iKharityhulam yeMali: I-BankAmericard Travel Travel Remewards Card Card
Ikhadi leBhanki ye-TravelAmount Card lihlawula ama-20,000 amanqaku ebhonasi emva kokuchitha i-$ 1,000 kwiintsuku zokuqala ezingama-90 zokuvula ikhadi lakho lekhredithi. Ibhonasi inokuhlawulelwa kwi-200 yemali yengxelo malunga neentengo zokuthenga ezenziwe ngekhadi lakho lesikweletu.
Zonke izinto zakho zokuthenga zifumana iilidi ezili-1.5 ngeedola, kungakhathaliseki ukuba yintoni inkunkuma. Kwaye, ukuba unayo i-akhawunti kunye neBhanki yaseMerika, unokwandisa umvuzo wakho. Abanikazi bekhadi abanomsebenzi osebenzayo weBhanki yaseMerika ukujonga okanye ukugcina i-akhawunti baya kufumana iipesenti zebhonasi zamanani ebhonasi kuzo zonke iintengo. Ibhanki yaseMelika ekhethiweyo Iintlawulo zabaxhamli zifumana i-bonus ye-25 ukuya kuma-75 yebhonasi yanda ngokuxhomekeka kwinqanaba labo inzuzo.
Akukho mihla emnyama okanye izithintelo xa ungahlawulela umvuzo wakho. Unenkululeko yokubhala uhambo lwakho kuyo nayiphi na inqwelo-moya okanye iwebhusayithi kwaye unokuhlawula umvuzo njengengxelo yekhredithi esetyenziselwa iindiza, amahotele, iiphakheji zeholide, iinqwelo zokuhamba, iimoto eziqashisayo, okanye iimfeshelo zentlawulo.
Akukho mrhumo wonyaka kwi-BankAmericard Travel Rewards Credit Card oku kuthetha ukuba unokufumana ezi ntlawulo ngaphandle kweendleko nje kuphela xa uhlawula ibhalansi yakho ngokupheleleyo ngenyanga kwaye ukhuphe ukuhlawula umrhumo kunye nemirhumo.
I-BankAmericard Travel Rewards Ikhadi lesikweletu likhethekileyo kubaxhasi abangenabo abachitha imali enkulu, abo abangafuni ukuhlawula umrhumo wonyaka, okanye abachitha kwiindidi ezahlukeneyo.
Iindlela ezihamba phambili zokuhamba ngeeNyanga zeKharityhulam iKhadi leKhariti: Chase Sapphire Reserve
Njenge-Chase Sapphire ekhethiweyo, i-Chase Sapphire Reserve ihlawula amanqaku ama-bonus angama-50 000 xa usebenzisa i-$ 4,000 kwiinyanga ezintathu zokuqala zeakhawunti yakho. I-Chase Sapphire Reserve, ngokuthelekisa, ihlawulela ngaphezulu ipesenti ezingama-50 kwimbuyekezo xa ihlawulelwe nge-Chase Ultimate Rewards, eyenza ibhonasi engama-50 000 ilingana ne-725 yeehambo ekuhambeni. I-Chase Sapphire ekhethiweyo ihlawula ngaphezulu kweepesenti ezingama-25 ngaphezulu kwimbuyekezo ehlangulwa ngo-Chase Ultimate Mivuzo. Unokufumana kuphela ibhonasi ukuba awufumani enye ibhonasi ukusuka kwikhadi le-Chase kwiinyanga ezingama-24 ezidlulileyo.
(I-Sapphire Reserve yangaphambili inikezela ngamanqaku angama-100,000, kodwa yehlisa ibhonasi yokubhalisa ngoJanuwari 2017.)
Ukuthenga kwakho kuya kufumana amanqaku ama-3 kuwo wonke ama dollar asetshenziselwe ukuhamba nokuthenga ukutya (ngokumalunga nama-2 amanqaku kunye ne-Chase Sapphire ekhethiweyo) kunye nenqaku eli-1 kwi-dollar kuyo yonke into ekuthengwayo.
Imiphumo yinto nje yokuqala yento iSapphi Reserve yokunikela ngayo. Uya kufumana i-$ 300 yenyanga yemali yokuhamba ukuze uhlawule ngokuzenzekelayo nayiphi na intengiso yokuthengwa eyenziwe kwikhadi lakho.
I-Chase iya kunika imali yerhafu yesicelo kwinkokhelo kwisicelo se-Entry Global okanye iTSA PreCheck. Ikhadi lakho likunika iPhamli yePrayor Primentity Khetha ubulungu obunikeza ukufikelela kwii-lounges ze-900 + zee-airport.
Abanini bamakhadi aphantsi baya kuhlawula imali engama-$ 450 yonyaka kunye ne-$ 75 eyongezelelweyo kumsebenzisi ngamnye ogunyazisiweyo oqala ngonyaka wokuqala. Umrhumo wonyaka ophezulu unokuba yi-turnoff kwabanye, kodwa le yintlawulo yepredim yekhadi lesikweletu kunye nemivuzo kunye neempembelelo zilingana nemali xa usebenzise i-card yakho eyintloko.
Ikhadi leKhadi lokuThengiswa kweMpahla eliThengisiweyo eliMgangatho oyiNtengiso: IsiTyikitya seVisa se-Prime Prize ye-Amazon
I-Award Prime ye-Amazon I-Visa Signature ngumvuzo omtsha wekhadi lesikweleti, esungulwe ekuqaleni kuka-2017.
Abanini bamakhadi abavunyelweyo baya kufumana i-$ 70 ye-Amazon.com isipho sesipho ngokukhawuleza xa i-akhawunti ivunyiwe. Akukho nto imfuneko yokuchitha imali okanye ixesha lokulinda lokufumana ibhonasi kwaye unokusebenzisa ibhonasi kwangoko.
Ngokuqhubekayo, iSiginitsha yeVisa ye-Visa ye-Prime Prizes ye-Amazon ihlawula imali engama-5 e-cash back kwi-Amazon.com. Iipesenti ezi-2 kwiivenkile, izitishi zegesi, kunye nezikhululo zezilwanyana; kunye neepesenti eziyi-1 emva kwayo yonke into.
Ngenxa yokuba eli likhadi lesikredenti elinekontrakthi, elithetha ukuba lixhaswe ngumthengisi kunye nenethiwekhi enkulu yekhadi lesikweletu, ungasebenzisa ikarhulumente ngaphandle kwe-Amazon ukunyusa imivuzo yakho. Ngokuthelekiswa, iKhadi leThengi le-Amazon.com lingasetyenziselwa kuphela kwi-Amazon.
Emva kokuba udibanise ikhadi lakho kwi-akhawunti yakho yakwa-Amazon.com, unokuzihlawulela umvuzo wakho nanini na kunoma yimaphi umlinganiselo kuwo wonke okanye inxenye ye-Amazon.com.
Isayinitsha se-Visa seNkcazo ye-Akhawunti ye-Amazon ehamba phambili kunye nezinye izinto ezininzi ezibandakanya ngaphandle kwemali yenkampani yangaphandle, i-inshurensi yengozi yokulahleka, ukuhlawulwa kwemithwalo ye-baggage, ukukhutshwa kwe-inshorensi yomthwalo, ukuhamba noxakeka-mali, ukukhuselwa kokuthenga kunye nokukhuselwa kwesiqinisekiso semvume.
Ikhadi ayinayo imali yonyaka okanye imali yokuthengiswa kwamanye amazwe.
Ungayifumana njani iCandelo eliMnandi leeKhadi leMatyala?
Cinga uhlobo lomvuzo ofuna ukufumana, umrhumo wonyaka ozimisele ukuwuhlawula, kunye nemikhwa yakho yokuchitha imali. Ngokomzekelo, ukuba ufuna ukufumana umvuzo wemali, awuzimisele ukuhlawula imali yonyaka, kwaye awufuni ukutshintsha iimpahla zakho zokuchitha imali, i-Capital One Quicksilver Reward yinto ekhethekileyo kuba ihlawula ixabiso eliphantsi kuyo yonke intengo.
Unokukhetha ikariti yekredithi enye ukukhulisa umvuzo onokuwufumana. Ngokomzekelo, ukuba unokuchitha imali eyaneleyo yokunciphisa umrhumo wonyaka, ungasebenzisa i-American Express Blue Cash Cash ekhethiweyo yesitolo sakho kunye nokuthengwa kwegesi kunye ne-Chase Sapphire ekhethekileyo yokuhamba nokuthenga ukutya.
Kungakhathaliseki ukuba yiliphi ikhadi olikhethayo, qiniseka ukuba uhlawula ibhalansi yakho ngokugcwele kunye nexesha ngenyanga. Ngaphandle koko, ukuthwala ibhalansi kuthetha ukuhlawula umdla owenza umvuzo wakho. Ukuhlawula ngokukhawuleza kwongeza umrhumo wokugqibela kwiindleko zekhadi lakho lesikweletu kwaye kukubeka engozini yokulahlekelwa umvuzo wakho.
Gcina ukhumbule kwakhona ukuba ukuhanjiswa kwemali kunye nokunyuka kwemali akuzukufumana imivuzo. Ezi ntengiso zihlala zifumana iirhafu kwaye zinciphise i-credit ekhoyo ekuthengeni okuza kuzuza imivuzo. Kukulungele ukusebenzisa umvuzo wemali yekhadi kuphela ukuthenga izinto ezifumana imivuzo kwaye ugcine ukuhanjiswa kwemali kwi-card engekho umvuzo.
Qaphela ukuba uchitha kuphela oko unokukwazi ukukwenza. Ukugcina i-credit yakho kunye nokuphuma kwetyala kukubetha umvuzo omnye nawuphi na usuku.
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