Imisebenzi yeeRhafu zokuThuthukiswa kweKharity Card

Funda ukuPhatha iNqanaba eliPhakamileyo lokuPhucula

Isilinganiso sokunyuswa kwamakhadi esikwereti, ngokukhawuleza sifutshane ukuba "ukunyusa izinga," ngumyinge omncinci wenzalo owenzelwe kwikharityhulam yekhadi lakho lesikweletu ngexesha elithile. Isantya sokwenyusa ngokuqhelekileyo isantya senzala esethulwa kuphela ngeenyanga ezimbalwa zokuqala emva kokuba uvule iakhawunti yekhadi lekhredithi. Ngamanye amaxesha, abanye abanikidi bekhadi lesikweletu banikezela amaxabiso okunyusa kubasebenzisi bekhadi lesikweletu.

IiRhafu zokuPhuculo ezidlulileyo kwiMali ethile yexesha

Umthetho we-Federal ufuna ukuba amaxabiso okunyusa kufuneka agcine ubuncinane kwiinyanga ezintandathu.

Ezinye zeekhredithi ezingcono kakhulu zamakhadi zineentengiso zokunyusa ezidlulileyo kangangeenyanga ezili-18. Amanye amakhadi ekhredithi abonisa izinga lokunyusa njengenani leemeko zokuhlawula ezinokuthi zibe mfutshane kuneenani elifanayo leenyanga. Ngokomzekelo, izinga lokukhushulwa komyinge wokuhlawula i-10 liza kuqhubeka malunga neenyanga ezi-8 (kuthatha umjikelezo weentsuku ezingama-25).

Unokulahlekelwa isantya sakho sokunyusa ngaphambi kokuba ixesha lokuphromotha liphelelwe ixesha xa uba ngaphezu kweentsuku ezingama-60 emva kwekhadi lakho lokuthenga ngetyala. Xa usulahlekelwe isantya sokunyusa, awuyi kuphinda uyifumane, nangona emva koko wenze iintlawulo zakho ngexesha.

Iimali ezilinganisiweyo zifumana iiRhafu zokuPhucula

Kwiminyaka edlulileyo, kwakuqhelekile ukuba amaxabiso okunyusa awanikezelwe kuphela kwizikolo ezihanjiweyo. Nangona kunjalo, abathengi bamakhadi abaninzi beekhredithi banweba iirhafu zokunyusa kwiintengo zombini kunye nokuhanjiswa kwemali. Ukunyuka kweemali ngokungaqhelekanga kufumaneka kwizinga lokunyusa inzala.

Ukuhlawula ama-balance balance with the Rates

Ngokomthetho, abaniki bamakhadi bamatyala bafuneka ukuba bafake intlawulo encinci kwiibhalansi kunye nenani lentengo ephezulu.

Nantoni na ngaphezu kweyona ncinane ingasetyenziswa kwibhalansi yezinga eliphantsi. Kungcono ukunciphisa ukuthengiswa kwekhadi lakho lesikweletu kwintlobo enye - lowo ufumana isantya sokukhushulwa - ubuncinci de ukufikelela kwinqanaba lakho lokupasa. Ngaloo ndlela unokuqiniseka ukuba intlawulo yakho iya kwibhalansi kunye nenqanaba lomdla.

Ukuhlawula ibhalansi yakho ngaphambi kokuba iphelelwe ixesha lokufumana ubuninzi bezinga lakho lokunyusa. Ngaphandle koko, ulahlekelwa yinzuzo yokuba nezinga elingenasiphelo senzala. Oku kuyinyaniso xa ixabiso lakho lokukhushulwa lisebenza kwi-transfer balance.

Qaphela iPass Post-Promotional APRs

Yilungiselele ukuba inzala yakho inyuke kakhulu xa izinga lokukhushulwa liphela. Enyanisweni, ufanele ukwazi ukuba yintoni inqanaba lentengiso yokunyusa emva kokuba uyamkela umnikelo. Ingatshintsha ingqondo yakho malunga neengxaki ngokupheleleyo.

Musa ukudibanisa nomdla ochaphazelekayo

Izicwangciso zenkxaso-mali yokuxhaswa ngokukhawuleza zikhuthazwa ngokufanayo kwi-offer% 0. Ngokufanayo "Akukho mdla" kunye "0%" ukuphinda kuhamba ngokuhambelana nezi nkonzo, nangona kunjalo, umdla ochaseneyo uhlukile kakhulu kwaye awukho ngendlela efanelekileyo. Ngomrhumo wenzalo ochaziweyo, kufuneka uhlawule ibhalansi epheleleyo ukuphepha ukuhlawula umdla. Ukuba unayo ibhalansi eshiywe emva kokuba ixesha lokuphromotha liphela, inzala epheleleyo iphelelwe ngumhla wokuqala ibhalansi yakho yongezwa kwi-akhawunti yakho.

Ngomhla wokuPhumela u-APR, nayiphi na ibhalansi engabhawulwayo ayinakudla umdla kuze kufike ixesha lokuphromotha.