Musa ukuhlawula iifowuni zekhadi lokuthenga ngetyala xa ungenayo
Akufanele uhlawule ingalo nomlenze kwimali yonyaka yekhadi lesikweletu elinika umvuzo omkhulu wokuhamba. Kukho ezininzi zokuhamba zamahhala zemali ekhredithi ezinikezela umvuzo kunye neengozi ongayisebenzisa ukuze uphefise. Siye safumanisa umvuzo ohamba phambili wokuhamba umvuzo wemakhadi. Uza kufumana amakhadi ekhredithi ngeebhonasi ezinkulu zokubhalisa, imivuzo enempembelelo kunye namazinga omdla wokunyusa.
01 Eyona ndawo iphezulu: iBhanki yaseMerika ihamba ngeRhafu yeKhadi leKhadi
NgeBhanki yaseMerika Ukuhamba Iintlawulo zeKhadi leMatyala, uya kufumana ama-1.5 amanqaku kuwo wonke ama dollar asetshenzisiweyo. Njengoko ibhonasi yokubhalisa, unokufumana ithuba lokufumana amawaka angama-20,000 kwiibhonasi zebhonasi kwi-intanethi xa wenza i-$ 1,000 ekuthengeni kwiintsuku zokuqala ezingama-90 ukuvula i-akhawunti yakho. Ibhonasi ixabisa imali engama-200 engxelo yekhredithi malunga nokuthengwa kokuhamba, kuquka neenqwelo zeenqwelo, iihotele kunye neemoto eziqashisayo. Ngaphezu koko, ukuba unobhanki we-Bank of America ukukhangela okanye umncedisi we-akhawunti yokulondoloza, unokufumana ibhonasi eyongezelelweyo ye-10 kwiingongoma zakho.
Intengo ebalulekileyo : Jabulela isantya sepesenti yentetho yokuthenga ekuthengeni iibhola zokuhlawula ezili-12. Emva koko, i-APR rhoqo i-16.24 ukuya kwi-24.24 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
02 Ngokugqwesileyo, Umgijimi ophezulu: I-Capital One VentureOne
Nge-One One VentureOne kwikhadi lesikwereti, uya kufumana i-1.25 ngeekhilomitha ezili-925 kwiintengo zonke ozithengayo kwikhadi lakho lesikweletu. Unako ukuhlawulela iikhilomitha zakho njengesitatimende sekhredithi malunga nokuthengwa kohambo olwenzayo kwikhadi lakho lesikweletu. Akukho myinge kwinani lemiphumo onokuyifumana kwaye umvuzo wakho awupheli.
Njengomnini wamakhadi omtsha, unokufumana amawaka amabhonasi angama-20 000 xa usebenzisa i-$ 1,000 ekuthengeni kwiinyanga ezintathu zokuqala ukuvula i-akhawunti yakho.
Ixabiso elibalulekileyo : Jabulela isantya sepesenti yentengo yokuqala ekuthengweni kweenyanga ezili-12. Emva koko, i-APR rhoqo i-13.24 ukuya kuma-23.24 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
03 Inqanaba elihle lokuPhuculo lokuThuthukisa: Fumana iiMiles
Ngekukufumanisa i-Miles, uza kufumana iikhilomitha ezili-1.5 kwiidola zonke ozichithayo ekuthengeni. Esikhundleni sokunikela ibhonasi yokubhalisa kunye nomncinci wenkcitho, Fumana idibanisa zonke iililesi ozifumene ekupheleni konyaka wakho wokuqala. Ukuba ufumana iikhilomitha ezili-500, Ukufumanisa kuza kukuvuza ngamamayela ebhonasi. Ibhonasi isebenza kuphela kwiikhilomitha ozifumanayo kunyaka wokuqala. Unako ukuhlawulela zonke iikhilomitha ezingama-100 kwi-statement ye-credit 1 ye-credit statement malunga nokuthengwa kohambo okanye ukwedlula imali.
Uya kujongana nenye yexesha elide kakhulu lokuphromotha: iipesenti zero ekuthengeni kweenyanga ezili-14. Ungabhalela uhambo lwakho lokuqala uze uthathe unyaka ukuwuhlawula ngaphandle kwenzalo.
Akukho mali yokuthengiswa kwamanye amazwe, okwenza kube lula ukuhamba ngamazwe ngamazwe. Nangona kunjalo, qaphela ukuba ukufumanisa akuvumelekanga kwamanye amazwe.
Intengo ebalulekileyo : I-APR rhoqo i-12.24 ukuya kwi-24.24 ekhulwini. Akukho mrhumo wonyaka.
04 Eyona ndlela ihamba phambili ngeendiza: i-Blue Delta Skymiles yase-American Express
Nge-Blue Delta Skymiles i-American Express, unako ukufumana iikhilomitha ukuya kusetyenziselwa iindiza ze-delta ngaphandle kwemali yonyaka. (Zonke ezinye i-SkyMiles credit card zamakhadi zinomrhumo wonyaka).
Amakhadi ekweretheni e-Air often ahlawula umvuzo ophezulu kuphela ekuthengeni okwenzayo nge-airline. Ukuba awuthabathi rhoqo, kodwa udla kwiivenkile ezininzi, ikhadi ikunika enye indlela yokufumana umvuzo kwizinga eliphezulu. Uza kufumana ii-SkyMiles ezimbini kuzo zonke iidola ozisebenzisayo kwi-Delta nase-US yokuthenga ukutya kunye ne-SkyMile enye kwi-dollar kuyo yonke into. Fumana ingxelo ye-20 yepesenti ye-Delta ngokuthengwa kwendiza. Njengomgcini wamakhadi omtsha, uya kuba nethuba lokufumana amawaka amabhonasi ayi-10 000 xa uchitha i-$ 500 kwiinyanga ezintathu zokuqala.
Intengo ebalulekileyo : I-APR i-16.99 ukuya kuma-25.99 ekhulwini. Akukho ntlawulo yonyaka.
05 Eyona ndlela ihamba phambili kwiindiza, i-Runner Up: I-JetBlue Card
Ukuba uhlala uhamba ngeJetBlue Airlines, i-JetBlue Card yinto ekhethekileyo yokufumana amaphulo ongawasebenzisa ukuya kwiindiza. Njengomnini wamakhadi omtsha, uya kuba nethuba lokufumana amanqaku angama-10 ebhonasi. Ukuze ufumane ibhonasi, kuya kufuneka usebenzise i-$ 1,000 kwiinyanga ezintathu zokuqala zokuba nekhadi lakho lesikweletu.
Ngokuqhubekayo, uya kufumana amayela e-dollar kwi-JetBlue ukuthenga, iililesi ezimbini nge dollar kwiivenkile kunye nokuthenga ukutya. I-Plus thola iipesenti ezingama-50 kwi-flight savings kwi-cocktails kunye nokuthenga ukutya xa usebenzisa i-JetBlue Card yakho. Unako ukuhlawulela amaphuzu akho kuyo nayiphi na isihlalo kwaye naliphi na ixesha kwiinqwelo ezihamba ngeJetBlue. Akukho mihla emnyama kwaye imivuzo yakho ayipheli.
Intengo ebalulekileyo : I-APR iya kuba ngu-13.24, 21.24 okanye i-26.24 ekhulwini. Akukho mrhumo wonyaka kwaye akukho ntlawulo yomthengi.
06 Eyona nto ifanelekileyo kwiMpi: I-PenFed Platinum Imbuyekezo Umqondiso weVisa
Ngomqondiso we-PenFed Platinum I-Visa Signature, uya kufumana amanqaku amahlanu nge dollar ekuthengeni i-gesi, amanqaku amathathu nge dollar kwiintengo zokuthenga, kunye nenqaku elinye kwi-dollar kuyo yonke into. Fumana i-credit statement ye-100 xa usebenzisa i-$ 1,500 kwiintsuku zokuqala ezingama-90. Unako ukuhlawulela imivuzo oyifumanayo malunga nokuhamba okanye ezinye iintlawulo.
Kumele ube ilungu lePenFed kunye ne-akhawunti yokonga / isabelo sokufaka isicelo. Ufanelekile ukuba ubulungu xa wena okanye isihlobo sakho ilungu lezempi.
Intengo ebalulekileyo : I-APR i-9.74 ukuya kuma-17.99 ekhulwini. Akukho mrhumo wonyaka kwaye akukho mrhumo wokuthengiswa kwamanye amazwe.
07 Eyona ndlela ihamba phambili kwiNgxowa-mali yokuXhobisa: iBlue Sky esuka kwi-American Express
NgeBlue Sky evela e-American Express, uya kufumana iqondo elilodwa lepalli ngalinye kwi-dollar oyisebenzisayo ekuthengeni. Wonke amanqaku angama-7,500 axabisa i-dollar eyi-100 yemali yengxelo malunga nokuthengwa kohambo olwenzayo ekhadini lakho.
Uza kuba nenketho yokuphatha ibhalansi nganye ngenyanga okanye ukuhlawula ngokugcwele ngokuhlawula ngokupheleleyo kukulungele ukufumana inzuzo ephezulu yembuyekezo oyifumanayo. Ikhadi iza neenzuzo ezongezelelweyo zokuhamba nge-Amex, njengelahleko lokuqashisa imoto kunye ne-inshurensi yomonakalo, i-inshurensi yengozi yokuhamba, kunye nezoncediso zendlela.
Ixabiso elibalulekileyo : I-APR i-18.49, 21.49, okanye i-23.49 iphesenti kuxhomekeke kubukwereti bakho. Imali yokuthengiswa kwamanye amazwe ingama-2.7 ekhulwini kwintengiso nganye emva kokuba iguqulelwe kwiidola zase-US.