Mhlawumbi uye wambona ikhadi lekhredithi ekukhuthazeni iiprogram zembuyekezo zeekhilomitha zeekhredithi zeemali. Okanye, ufunde amabali abantu abahamba ngeenxa zonke kwihlabathi ngokungahambi lutho usebenzisa iikhilomitha zeekredithi. Kungathi ngathi i-gimmick, kodwa ngokwenene inako ukuqokelela amamayela kwaye uyisebenzise ukuthatha ihambo. Inani leekhilomitha ongafumana kunye nohambo oluthatha ngalo kunye neekhilomitha kuxhomekeke kwizinto ezimbalwa.
Emva kokuba uqonde ukuba iikhilomitha zekhadi zekredithi zisebenza njani, unokwenza isigqibo sokuba yinzuzo oyifunayo.
Ziziphi i-Credit Card Miles?
Iikhilomitha zekhadi zetyala zihlobo lwenzuzo yokunyaniseka ukuba amanye amakhadi ekwereta anikezela abathengi njengomvuzo wokusetyenziswa kwekhadi lamatyala. Ukusebenzisa kwakho ngaphezulu kwikhadi lakho lekhredithi, iimitha ezininzi oziqokelelayo . Ngokomzekelo, ikhadi lekhredithi linokukuvuza ngenye imitha nganye idola oyisebenzisayo kwikhadi lakho lesikweletu.
Umniki wekhadi lokuthenga ngetyala kunye nomlingani we-airline uchaza ixabiso nganye kwikhilomitha yekhadi lesikredithi, njenge-penny nge-mile, umzekelo. Emva kokuba uqokelele iikhilomitha ezaneleyo, unako ukuzihlawulela ukufumana isihlalo sokunikezelwa kwesinye seziqabane zamakhadi e-credit card.
Iifayili, kungekhona umnikezeli wekhadi lokuthenga ngetyala, misela inani leekhilomitha ezifunekayo ukuze iqhume. Ngokuxhomekeke kwinani leekhilomitha oziqokeleleyo kunye nexabiso leeyure ngalinye, ungasebenzisa iikhilomitha zeekredithi zakho ukuze ubalekele i-flight mahhala.
Ukuba awunayo ikhilomitha elaneleyo yokuqhuba indiza, unokukwazi ukuthenga iikhilomitha ezongezelelweyo ukuze wenze ulwahlukileyo, ufumane ngokufanelekileyo isaphulelo kwixabiso. Inombolo yeekhilomitha ezifunekayo ukubaleka kwendiza kuxhomekeke apho uya khona kunye nexabiso lentengo ngaphandle kweekhilomitha. Ungadinga naphi na kwii-12,000 ukuya kuma-40,000 iilidi ukuze ubalekele.
Ukuba iikhadi lakho lekhadi lekhredithi liboshwe kwiprogram yeenqwelo zeenqwelo-moya rhoqo, unokukwazi ukusebenzisa imivuzo yakho ukuze ufanele ukulungiselela ukuhlaziywa kwezihlalo, ibhodi yokubaluleka, iikitikiti zomntu okhululekile, okanye ezinye iintlawulo zeenqwelo-moya.
Ufumana njani iMali yeMali yeMali?
Ngeenkqubo zokuhamba ngeenqanawa ezihamba ngeenqwelo zomoya, ngokuqhelekileyo ufumana amamayela kwiindiza zakho. Ngoko ke, ngaphandle kokuba unenqanawa yeflaya, kunokuthatha inyanga eziliqela, nokuba neminyaka ukuqokelela iikhilomitha ezaneleyo ukuze ubalekele. Into ekhangayo malunga neekhilomitha zekhadi lesikweletu kukuba akunyanzelekanga ukuba uhambe ukuze ufumane amawaka. Umele usebenzise ikhadi lakho lesikweletu.
Ngaphambi kokuba uqale ukufumana iikhilomitha, okokuqala kufuneka ufake isicelo sekhadi lesikweletu kunye neprogram yemivuzo yeekhilomitha. Phantse zonke iikhuphethi ezinkulu zekhadi zekredithi ubunenani elilodwa kwikhadi lekhredithi elinamaekhadi eekredithi. Ukuphononongwa kwezibonelelo ezivela kwiididi zekredithi ezahlukeneyo ukugqiba oko kuwela ngokuhambelana nemikhuba yakho yokuchitha kunye nenjongo yakho yokufumana iikhilomitha zeekredithi. Gcina ukhumbule ukuba kufuneka ukuba ube nekhredithi enkulu kakhulu ukufumana umvuzo ongcono kakhulu kumakhadi-mboleko.
Amakhadi eemboleko kunye neenkqubo zembuyekezo zeekhilomitha zihlala zihlawula iikhilomitha kuzo zonke iimali zokuthengwa kwekhadi lakho lesikweletu, ukuhamba kunye nokungahambi kwezohambo. ( Ukutshintshwa kwemali kunye nokudluliselwa kwemali akufumani iikhilomitha zeekredithi.) Oko kuthetha ukuba unako ukufumana iikhilomitha ezaneleyo ukwenzela ukuhamba ngeenqwelo-moya ngokukhululeka kwaye kunokukhawuleza kunokuba unakho ngeprogram yeenqwelo-moya ezihamba rhoqo.
Oko kukuthi, ukuba awuhambanga.
Amanye amakhadi ekhredithi avuyisa uhambo lwakho okanye ezinye iindidi zokuthenga kunye nenani eliphakamileyo leekhilomitha, elona lidibeneyo xa uhamba ngeenqanawa rhoqo. Ukuchitha imali kulezi zigaba kuya kukunceda ufumane iikhilomiti zeekredithi ngokukhawuleza.
Iikhilomitha zamakhadi ezitalato zingathathwa , nangona emva kokuba zongezwe kwiakhawunti yakho. Ngokomzekelo, ukuba ubuyisela ukuthenga, nayiphi na ikhilomitha eyayizuzile kuloo nto yokuthenga iya kuncitshiswa kwi-balance balance. Ungaphinde ulahlekelwe iikhilomitha zeekredithi zakho xa uwa emva kweentlawulo zakho kwaye i-akhawunti yakho ayisekho kakuhle .
Ngelishwa, awuyi kufumana iikhilomitha zeekredithi zakho ezilahlekileyo emva kokuba ubuyisele i-akhawunti yakho kwindawo efanelekileyo. Ngoko kubaluleke kakhulu ukuba uhlale phezu kweentlawulo zekhadi lakho lesikweletu kwiphina ikhadi lekhredithi oyifumene namakhadi eekredithi.
Ungazijonga njani i-Credit Card Miles Balance?
Ukuba ugcina iikhilomitha zekhadi lesikredenti malunga nohambo ofuna ukuyithatha okanye ufuna nje ukuqhubeka kunye neekhilomitha oziqokeleyo, unokuzijonga ngokulinganisela kwekhadi lakho lekhadi lesikredenti kwisitatimende sakho sokugqibela senkonzo , ngokungena ngemvume yakho iakhawunti yekhadi lekhredithi ye-intanethi, okanye ngokubiza umniki-khadi wakho wekhadi.
Kungathatha iintsuku ezimbalwa emva kokuba wenze ukuthengiselana kweekhilomitha ukukhangela i-akhawunti yakho. Inkonzo yabathengi ngekhadi lakho lomthengi lingaphendula imibuzo malunga nawaphi na iikhilomitha ezingahle zilahleke kwiakhawunti yakho.
Kwakhona kubalulekile ukuba ukhusele iikhilomitha zekhadi lakho lekhredithi kwiba. Abaphangi abanokufikelela kwiakhawunti yakho bangahlawulela iikhilomitha zakho. Ukuba awukhathali, unganakubona iinyanga ezininzi.
Unokukhusela iikhilomitha zekhadi lakho lekhredithi ngokuqinisekisa ukuba unayo iphasiwedi eqinileyo kwiakhawunti yekhadi lakho lesikweletu. Iiphasiwedi eziphambili ziquka zombini iincwadi ezinkulu kunye nezantsi, ubuncinane inombolo, kunye nomlingisi omnye. Gwema ukusebenzisa iphasiwedi yakho kwiiwebhusayithi. Hlola ukulinganisela kweekhilomitha rhoqo kwaye uxelele umniki wekhadi lakho lekhredithi ukuba ubona nantoni na. Baya kukwazi ukulandelela phantsi nayiphi na imivuzo engabikhoyo, akuxelele ukuba bahlengiwe, kwaye bawabuyisele kwi-akhawunti yakho xa kwenzeka nayiphi na into engagunyaziswanga.
Ulikhulula njani i-Miles Card Credit yakho
Emva kokuba uqokelele ngokwaneleyo iikhilomitha zekhadi lesikredithi, unako ukuzihlawulela ukufumana isihlalo sokubonga kwi-flight. Gcina ishedyuli yakho iguquguquke xa uhlawulela iikhilomitha zeekredithi ngenxa yendiza yakho. Iinqwelo-moya zihlala zifumana inani elithile lamabhaso kwiibhanoyi nganye. Okanye inani leekhilomitha zeenqwelo zeenqwelomoya ziyahlukahluka ngokuxhomekeke kwintsuku nexesha.
Ngokuxhomekeke kwiprogram yeekhilomitha, unokukwazi ukudibanisa iikhilomitha zeekredithi okanye ukuhanjiswa phakathi kweenqwelo zeenqwelo. Qinisekisa ukuba unakekele ukushicilela okulungileyo ngokudibanisa nokudlulisa amawaka. Ngamanye amaxesha ungalahlekelwa ngamamayela ekuguqulweni phakathi kweenkqubo.
Indlela echanekileyo yokukhusela amakhadi ekhadi lekhredithi kuxhomekeke kwikhadi lekhredithi oyisebenzisayo. Xa uthengela uhambo lwenu ngokusebenzisa ithuluzi lakho lokubhuka kwekhadi lokuthenga ngesikweletu, uya kuthiwa unikwe ithuba lokusebenzisa iikhilomitha zekhadi lakho lekredithi ngokuthe ngqo kwi-flight. Unokwazi ukuhlawulela umvuzo wakho kwisayithi efanayo kwi-intanethi ukuba uhlolisise ibhalansi yakho yekhadi lesikweletu kwaye uhlawule ibhilikhi yakho. Okanye, umnikeli wakho wekhadi lesikweletu angaba newebhusayithi eyahlukileyo yokukhusela iikhilomitha zekhadi lakho lekhredithi.
Ngokomzekelo, i-American Express ine-American Express Travel, i-Chase ineMvuzo oyiNtloko, kwaye i-Citi inayo yayo Siyabonga uvuza i-portal. Hlola ngekhredithi yakho yekhadi lesikweletu okanye ufunde ngesikhokelo sakho sekhadi lekhredithi ukuze ufumane amanyathelo athile omele uwathathe ukuze ahlawule iikhilomitha zekhadi lakho lekhredithi.
Amanye amakhadi esikwereti avumela ukuba uhlawulele umvuzo wakho ngokukhawuleza njengetyala kwiitatimenti zeekhredithi zekhadi lakho lesikweletu. Unokwenza ukuhlengwa kwisithuba esithile emva kwezithuba zokuthengisana ezihambelana nokuhamba kwiakhawunti yakho yekhadi lekhredithi.
Ngaba iKhadi leMali-mboleko i-Miles Worth Worth?
Iikhilomitha zamakhadi ezitalato zifanelekile, ngakumbi xa ucinga ukuba akudingeki wenze nantoni na eyongezelelweyo ukuze ufumane iikhilomitha zeekredithi. Ngethuba nje ukhetha ikariti lekhredithi elungileyo, unokuchitha njengoko uhlala uchitha kwaye ufumana amawaka. Uninzi lwamakhadi ekhadi lekhredithi alupheli kwaye kaninzi alukho ubuncinane beemali zokuhlawulela ezikunika inkululeko eninzi kunye nokulungelelanisa ukwakha iakhawunti yakho yamakhadi ekhilomitha uze uhlawule umvuzo wakho xa ulungele.
Ukuba ufuna ngokwenene ukwakhela iikhadi lakho lekhadi ngokukhawuleza, buyisela umsebenzi wakho wekhadi lomdaka oqhelekileyo ngekhadi lakho lesikweletu. Uya kufumana amawaka ngokukhawuleza kunokuba usebenzise kuphela ikhadi lakho lekhredithi apha naphandle. Qinisekisa ukuba uhlawula ibhalansi yakho ngokugcwele inyanga nganye ukuze ungahlawulwanga nayiphi na inzala. Ukuhlawula inzala kuyo nayiphi na uhlobo lomvuzo wekhadi lekhredithi elikhupha umvuzo owutholileyo, ngakumbi kwimilinganiselo ephakamileyo.