Ewe, unako ukufumana imali ngokukhawuleza ngamakhadi okutshintsha
Amakhadi eDebit With Rew-Back Reewards
Okokuqala, iindaba ezimbi: Iintsuku zomvuzo we-card-back rebital rewards are pretty much behind us.
Njengomphumo weengxaki zemali kunye nemithetho emitsha ekunciphiseni ukuba iibhanki zingahlawulisa njani ukuthengiselana kwekhadi leebhanki , imali nje ayikho.
Amakhadi amancinci amaninzi ahlala anikezela ngemali, kodwa awanamandla kunoko ngaphambili. Kwezinye iimeko, ungasebenzisa imivuzo ukufumana amakhadi esipho, enokuba yinto elandelayo eyona nto ingcono ukwenza imali.
Fumana i-bhanki ine- akhawunti yokujonga iCashback ehlawula ipesenti enye kwiintengo ezininzi zokuthenga amakhadi. Unako ukufikelela kwi-$ 360 ngonyaka, kwaye akukho mali yenyanga okanye iimfuno zokulinganisela ibhalansi
Ibhanki ye-Intanethi I-akhawunti ye-CashBack ye-CashBack yase-USA inikezela ithuba lokufumana i-$ 2,000 yezibonelelo ngeenyanga kwi-akhawunti yokujonga i-intanethi. Kodwa kufuneka ugcine i-$ 1,500 kwi-akhawunti yakho, kwaye ezinye iintengo (ezifana nokutshintshwa kwe-Intanethi okanye ukuthenga kwiivenkile zokutya) musa ukufumana imali yokubuyisela imali. Umvuzo osemgangathweni ngowama-peresenti enye, kwaye uya kufumana isiqingatha salo ukuba ibhalansi yakho iwela ngaphantsi kwe-$ 1,500.
Xoxa ngemikhwa yakho yokuchitha imali ngommeli wenkonzo yabathengi ukuze ufumane into onokuyilindela.
I-Amex Serve ikhadi likhadi lokubhadela elikhethiweyo elikhethwa kukho imali yokubuyisela imali. Unako ukufumana ipesenti enye ekuthengeni, kodwa inqaku lokubuyisela imali liza ne-$ 5.95 yemali yenyanga-ngoko kufuneka uchithe ngokwaneleyo ukuhlawula umrhumo.
Ukuba yikhadi lokubhadela i-debit, liyinxalenye yecandelo lokukhangela eliqhelekileyo. Kunoko, "ulayishe" imali kwikhadi uze uchithe kwi-balance balance .
I-PayPal ye-Debit MasterCard BusinessCard inikezela ipesenti enye imali emva kokuthenga okusetyinini (ungasebenzisi iPIN yakho kwi-checkout). Nangona kunjalo, ikhadi lifumaneka kuphela kwiakhawunti yee-akhawunti ze-PayPal . I-PayPal inikezela ngamakhadi athile kumashishini kunye nabathengi, kodwa ikhadi lakho lokubambisa imali ngeke lifumane imivuzo. Funda kabanzi malunga namakhadi ahlukeneyo avela kwi-PayPal .
Amakhadi enkokhelo ngowona nto ibhetele kakhulu yokufumana imali. Kodwa ezo makhadi zinokuba nzima ukuzifumana, kwaye zibiza kakhulu. Ngeengcamango zamakhadi ezongezelelweyo, funda.
Amaphuzu kunye nePerks
Iintsuku ezindala zokufumana imali ziphelile, ngenxa yeyona nxalenye. Iiprogram zovuzo lwekhadi lokudibanisa ziwela kwesinye sezigaba zibini:
- Imivuzo esekelwe kwimaphu
- Ubudlelwane (okanye i-perks) buvuza
Imivuzo esekelwe kumaphulo ikuvumela ukuba uqokelele "amanqaku" xa usebenzisa ikhadi lakho lokubambisa. Unokufumana enye inqaku ngalinye kwi-dollar oyichithayo, okanye ifomula ingaba yinto enobuncwane (njengento enye kwiedola ezihlanu, umzekelo). Iingongoma azifani nekheshi-ngoko awukwazi ukulindela ukuchitha enye indawo yexabiso elilodwa lexabiso lemali.
Nangona kunjalo, unako ukukhupha amaphulo ezintweni oza kuchitha imali kuzo, ngoko unako ukugcina imali.
Imivuzo yobudlelwane inikezela ezithile ezithile ngeenkampani ezithile. Ngokomzekelo, inkqubo yeembuyekezo zekhadi lakho lokubambisa inokuthi iqulethe izaphulelo xa uthengela kwiivenkile ezikhethiweyo kunye newebhusayithi. Kwakhona, ugcina imali, kodwa unalo ukhetho oluninzi malunga nokuba uchitha imali yakho ukuba ufuna ukufumana umvuzo. Oko kwathiwa, ukuba uyazi ukuba uchitha phi ixabiso (kwaye ngoko ke apho uza kufumana khona iireleji ukusuka kwizaphulelo), le mivuzo inokukugcina imali eninzi.
IiNkqubo zoNcedo lweKhadi loTywala
Iibhanki ezininzi zifumana imivuzo enikezelwe ngamaphuzu, kodwa zilapha ezimbalwa ukuba uqalise:
I-Bhanki eKhethekileyo ikuvumela ukuba ufumene iipoti nokuba uthayina ukuthengwa kwekhadi lokuthengiswa kwemali okanye sebenzisa i-PIN yakho.
Unako ukufumana amaphuzu xa uhlawula iindleko ze-intanethi kwaye uzalise ezinye iintengiso kunye nebhanki. Imivuzo ibandakanya amakhadi wesipho, "imali emfutshane," ukuhamba, ukuthengiswa, kunye nokunikela ngokuzinikela.
I-SunTrust Bank ine-Delta SkyMiles yeDebit Debit Card eninika enye "iirele" nganye idola oyichithayo (okanye iilidi ezimbini nge dollar ukuba uthengisa iinqwelo-moya ngqo kwiDelta). Ngokungafani namanye amakhadi, i-SunTrust ikuvumela ukuba ufumane amawaka xa ubhalisela ukuthengiselana, ukuthenga nge-intanethi okanye ukusebenzisa iPIN yakho. Ufumana amawaka ekuhlawula iindleko ze-intanethi. Unokwenza, ngokuqinisekileyo, ukukhulula iikhilomitha malunga nokuhamba kwiDelta Airlines.
UFB ngqo inikela i-American Airlines mayela. Nangona kunjalo, ufumana enye imitha nganye kwiidola ezintathu ozisebenzisayo-kwaye ezinye iintengo azithethi-ngoko kufuneka uqonde indlela ochitha ngayo ukuchonga ukuba uya kuzuza kakhulu kwi-akhawunti.
Imivuzo yoBudlelwane
Esikhundleni sokufumana amaphulo oza kusebenzisa kwixesha elizayo, ungasebenzisa kwakhona inkqubo yakho yemivuzo yemali yokufumana izaphulelo kunye nempahla ngokukhawuleza.
Amabhanki asekuhlaleni kunye neemanyano zemboleko zihlala zivuza iintlobo, ngoko usenokuba sele unako ukufikelela kwimbuyekezo kwi-akhawunti yakho. Buza ibhanki indlela yokufumana izaphulelo xa uthengisa ngekhadi lakho lokubambisa.
I-Kroger ye-1-2-3 Iintlawulo zemali ehlawulwa ngokukhawuleza kukunceda ufumane ukutya okungahlawulelwayo kunye nezaphulelo zegesi kwiivenkile zaseKroger. Xa uchitha kwiivenkile zeentsapho zaseKroger, unako ukufumana ngaphezulu kwepesenti enye, ngelixa kuthengwa kwenye indawo ufumana i-half half.
I- Disse yeVisa yeDiski Debit Card inikeza izaphulelo kwiirhweba kunye nohambo kwiindawo zeDisney, kunye nezinye iindawo ezihamba phambili. Kungenzeka ukuba akufanelekanga ukutshintsha ibhanki kule mivuzo, kodwa ukuba uya kubhanka kunye noChase nantoni na okanye (okanye ukuba ungumtshatsheli wangempela wamaDisney), kunokufanelekile ngexesha lakho.
Imivuzo yobudlelwane idinga umlenze omncinci ngaphezu kwemivuzo esekelwe kwimaphu. Ziluncedo kuphela xa ufumana inkqubo yovuzo ehambelana nendlela yokusebenzisa kunye nobomi bakho. Musa nje ukukhetha ibhanki ngokubhekiselele kwingxelo engacacanga "yemivuzo" -kuqinisekisa ukuba loo mivuzo iyakunceda. Umzekelo, ukuba uchithe kakhulu kwi-gesi, fumana ikhadi lokukhawuleza elinemivuzo enxulumene negesi.
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Njengoko unokucinga, kukho imingcipheko kunye nemingcele eyenza le mivuzo ingabi mnandi. Qiniseka ukuba ufunde ukushicilelwa okulungileyo ukufumanisa ukuba uya kufumana oko ukulindele. Jonga ngokukhawuleza indlela osebenzisa ngayo ikhadi lakho kwaye uqhathanise ngokucwangcisekileyo ngemimiselo nemeko yeprogram yeebhanki yakho .
Nazi ezinye izinto eziqhelekileyo ukujonga:
Amaphuzu okuqokelela: Ukhawuleza njani ukuvuza umvuzo? Unokufumana enye inqaku nge dollar esetyenzisiweyo, okanye kunokuthabatha amahlanu okanye iithandathu zeedola ukufumana ingongoma. Ngamanye amaxesha uya kuzuza ngaphezulu ngokuchitha kwiididi ezithile (ukuthenga igesi okanye ukutya, umzekelo). Ngoku, cinga ngendlela osebenzisa ngayo ikhadi lakho. Ngaba uya kuzuza imivuzo eyaneleyo ukuze uzuze? Ngaba ukuqokelela amaphupha kuya kutshintsha indlela oziphatha ngayo kunye nokuchitha ngendlela echaphazela ngayo imali yakho?
Ukuphelelwa yisikhathi: Fumana xa umvuzo wakho uphela. Sebenzisa le ngcaciso, kunye nokuqonda kwakho indlela oqokelela ngayo amaphuzu, ukuqikelela ukuba ngaba uya kukwazi ukufumana umvuzo. Iingongoma zingaphelela kwiminyaka embalwa-nje xa usuyakwazi ukufumana into ethile.
Iipops kwiindawo: Ingaba kukho umda kwinani lamaphuzu ongafumana ngexesha elithile (ngenyanga okanye ngonyaka, umzekelo). Unokuchitha ixesha elininzi inyanga nganye okanye ube neendleko ezinkulu eziza kuvela, kodwa ungenako ukufumana inzuzo ngokupheleleyo loo mali.
Ubungakanani bemali engemuva: Ukuba ufumana "imali engaphantsi" fumana ukuba kukho ubuninzi obungayifumana. Oku kunokuba ngumda ngamnye kunyaka okanye nganye kwikota, ngoko kuya kufuneka ufike ixesha lokuthenga xa usondela kumda. Ikhadi elinemiqathango ingenza enye (engekho imali-mali) ivuze iinkqubo zikhangeleke zikhangeleke.
Imirhumo: Amakhadi okufumana umvuzo anakho ukuza kunye nemirhumo (iintlawulo zonyaka, iintlawulo zokusebenzisa umvuzo wakho, iintlawulo zokuthenga, kunye nokunye). Imiphumo oyifumanayo ngokucacileyo kufuneka ikhuphe ngaphezulu kwemirhumo.