Fumana iRew Travel Travel Iintlawulo zeKhadi leTyala-okanye ezimbini
Ngokuqhelekileyo kufuneka ube nekhredithi enhle kakhulu ukuze ufanele ukufumana umvuzo ohamba phambili wekhadi lesikweletu.
Ukuba awunayo ikhredithi enkulu kakhulu ngoku, sebenze ekuphuculeni i-credit yakho ngokunyamekela iimali ezidlulileyo kunye nokwakha imbali efanelekileyo yokuhlawula.
Ngokuqhelekileyo kukho iintlobo ezimbini zokuhamba ngeemali zamakhadi-ngxowa-mali: iinjongo eziqhelekileyo zamakhadi-mboleko ezihlawula umvuzo ophezulu kuzo zonke iithengi zokuthenga kunye namakhadi e-credit-specific ahlawula umvuzo ophezulu ekuthengeni nge-airline ethile okanye kwihotele. Ukuba uthembekile kwinqwelo-moya ethile okanye ihotela, unokufuna ukhethe ikhadi lokuthenga ngekhredithi. Ngakolunye uhlangothi, ukuba wenza uninzi lweentengiso zokuhamba ngaphesheya kweemveliso, ikariti yesizukulwana iya kuba ngcono kuwe.
Akufanele unamathele kwikhadi lekredithi elilodwa. Ukuba ngaphezulu kweyodwa ukuhamba umvuzo wekhadi lesikweletu kwi-wallet yakho kukunika ithuba lokufumana umvuzo ophezulu. Unokuthi, umzekelo, unokufumana ikhadi elilodwa lokuthenga ngetyala kunye nekhadi lekhredithi elihlawula umvuzo ophezulu kwiintengiso zokuthenga.
Kananjalo akufanele unamathele kumvuzo wokuhamba ngekhadi lesikweletu. Ikhadi lokuthenga ngetyala lekhredithi lingasetyenziswa ukukunceda ukuhlawula ukuhamba. Kodwa, kukho ezinye izinto ozoziqwalasela. Okokuqala, qiniseka ukuba akukho zikhephe kwixabiso lemali ongayifumana kwikhadi. Okwesibini, khetha ikhadi elihlawula imali engaphezulu kwiindawo ochitha kuzo.
Khetha ikhadi lekhredithi elingenayo ikhefu kwimbuyekezo oyifumanayo, kwaye leyo ayinayo ixesha elifutshane lokuphelelwa yisikhathi. Khangela ezinye iimpahla ezinjengeemali zokuthengwa kwamanye amazwe, iikitikiti zomlingane eziqhelanisiweyo, ukuhlawulwa kweempahla zentlawulo, kunye nokukwazi ukufumana umvuzo wokufumana ibhonasi ngokubhengeza kunye namaqabane ohambo.
Mhlawumbi uya kufuneka uhlawule umrhumo wonyaka kwiindlela ezihamba phambili zokufumana umvuzo wemakhadi-khredithi. Amakhadi amaninzi ayalahla umrhumo wonyaka kunyaka wokuqala kodwa uqala ngonyaka wesibini; Uya kufuneka uhlawule umrhumo. Ukuba unako ukufumana umvuzo okwaneleyo wenqanawa yamahhala okanye ihotele, awuyi kuqaphela ukuba uhlawule umrhumo wonyaka. Qinisekisa ukuba uyihlawule ngokukhawuleza, ngoko awuhlawuli nayiphi na inzala kwimali yonyaka.
Ukuhlawula yonke into kwiiKhadi zakho zeMatyala, Ukuthengwa okuthe ngqo ngokuhamba
Ukuze uhambe ngokukhululeka ngeemali zakho zekhadi lesikweletu, kufuneka ufumane imivuzo eyaneleyo yokwenza ukuhlengwa. Xa usebenzisa ngaphezulu ikhadi lakho lesikweletu, umvuzo ongayifumana. Ukwazi imiphumo yakho yangaphakathi ngaphakathi kuya kukunceda ufunde indlela engcono yokusebenzisa ikhadi lakho lekredithi ukwenzela ukukhulisa umvuzo wakho. Ngokomzekelo, ukuba ikhadi lakho lihlawula ngaphezulu umvuzo kwiintengiso zegesi, ngoko uhlala ufuna ukusebenzisa ikhadi lakho lekhredithi yegesi.
Njalo hlawula ukulinganisela kwakho ngokupheleleyo
Enye yemithetho ebalulekileyo ekufuneka ilandelwe xa usebenzisa naluphi na umvuzo wekhadi lesikweletu, ngokukodwa umvuzo wokuhamba ngekhadi lesikweletu.
Ukuhlawula ibhalansi yakho ngokupheleleyo inyanga nganye kuya kukunceda ugcine i-credit engcono kakhulu eya kukuvumela ukuba ufanelekele ukunikezelwa kweekhredithi zamakhadi angcono. Ukuba nomlinganiselo omhle weebhanki kubalulekile, kodwa akusiyo kuphela isizathu sokuhlawula ibhalansi yakho ngokugcwele inyanga nganye.
Kufuneka uhlawule iindleko zezimali xa uthetha i-balance kwikhadi lakho lekhredithi ngaphaya kwexesha lobabalo. Iindleko zezeMali zingekho umvuzo owamkelayo kwikhadi lakho lesikweletu. Ukusebenzisa ngokukhawuleza ikhadi lakho lesikweletu, ufanele uhlawule zonke iintlawulo zakho zenyanga zonke ukuze ugweme umdla . Kungakhathaliseki ukuba ucingisisa kangakanani iindleko zakho zezemali, ungaze uzinike imvume yokuzihlawula.
Gwema iintengiso ezifana nokutshintshwa kwemali kunye nokunyuka kwemali.
Ukuthetha ukuphepha iindleko ezingaphezulu kwikhadi lakho lesikweletu, ukuhanjiswa kwemali , kunye nokunyuka kwemali phantse kubhekisa ukuhlawula intlawulo.
Nangona ikhadi lakho lekhredithi linomlinganiselo we- 0% wokunyuswa kwebhaleji, imali yokudlulisela ibhalansi ingaba ngamakhulu eedola ngokuxhomekeke kwisixa semali esithunyelwayo.
Imali ayikho isizathu esisodwa ekufuneka ubalekele ukuhanjiswa kwemali kunye nokunyuka kwemali. Ezi ntengiso azifumani nayiphi na imivuzo. Kwaye, bathabatha igumbi kwikhadi lakho lekhredithi, bakushiye nge-credit card encane yokuthenga okuya kukuvumela ukuba ufumane umvuzo wokuhamba.
Fumana ibhonasi yokuBhalisa
Iindlela ezininzi zokuhamba ngeemali zamakhadi zesikweletu zinikela ngeebhonasi ezinkulu zokubhalisa . Ezinye zeebhonasi zinkulu kangangokuthi ufumana inqwelo yehhala ngaphandle. Ukufumana ibhonasi yokubhalisa, kufuneka uchithe inani elithile kwikhadi lakho kwiintsuku zokuqala ezingama-90 zokuvula i-akhawunti yakho. Iwashi iqala ukukhawuleza umhla ovula ngayo i-akhawunti yakho, kungekhona umhla ofumana ikhadi lekhredithi. Ngoko, ngokwenene, unokuba neentsuku ezingama-80 ukuya kwi-85 ukufumana ibhonasi yokuchitha ngokuxhomekeka ekubeni kuthatha ixesha elingakanani ukufumana ikhadi lakho elitsha lekratshi kwiposi.
Amanye amakhadi ekhredithi aze akuvumele ukuba ufumane ibhonasi eyongezelelweyo ukuba ungeze umsebenzisi ogunyazisiweyo kwiakhawunti yakho. Umsebenzisi ogunyazisiweyo akadingeki enze nayiphi na into ukuthenga ibhonasi. Kodwa, ukuba nomsebenzisi ogunyazisiweyo akunakunceda kuphela ukufumana ibhonasi yokuchitha, kodwa kunokukunceda ukuba ufumane imivuzo. Qinisekisa ukuba unokukwazi ukuhlawula ukuthenga umsebenzisi ogunyazisiweyo wenza kwikhadi lekhredithi.
Khetha ikhadi lekhredithi kunye nebhonasi yokubhalisa kulula ukuyifumana. Umncinci wokunciphisa imali kufuneka ube nezantsi ngokwaneleyo ukuze ukwazi ukuhlawula ibhalansi yakho ngokugcwele inyanga nganye. Ngokomzekelo, umyinge we-$ 3,000 wokuchitha imali uthetha ukuba uzakuhlawula kwaye uhlawule malunga ne-$ 1,000 ngenyanga. Ukuba oko kungaphandle kwebhajethi yakho, khangela umvuzo wokuhamba ngekhadi lesikweletu kunye nebhonasi ephantsi.
Zama ukuhlangabezana nomda wokuchitha imali ngokukhawuleza. Ngamakhadi amaninzi, kuya kuthatha iiveki ezi-4 ukuya kwezi-6 emva kokuba ufumene ibhonasi yayo ukuba inikwe ingxelo kwi-akhawunti yakho. Yiba nomonde oku kuthetha ukuba ingaba malunga neenyanga ezintlanu ukuvula i-akhawunti yakho ngaphambi kokuba ufumane ibhonasi yakho yokuchitha.
Ngaphandle kokuba unako ukusingatha ukusetyenziswa kwemali kumakhadi amaninzi eemali-mboleko, ungazami ukufumana ibhonasi yokuchitha imali ngaphezulu kwekhadi lekrediti ngexesha. Kwakhona, gcinani engqondweni ukuba abaninzi abanokukhishwa ngamakhadi okuthenga ngetyala banokuvumela ukuba ufumane ibhonasi enye yonyaka. Okanye, kwezinye izikhwama zekhadi zekhredithi, unokukwazi ukufumana ibhonasi enye yexesha lokuphila kweso sikhupheli sekhadi lesikweletu. Funda ukuprintwa kakuhle ukuze ufumane ukuba unokufumana enye ibhonasi yenkcitho evela kumniki wekhredithi kunye nexesha omele ulinde phakathi kokufumana ibhonasi.
Joyina iHhotela kunye neeNkqubo zoKwethembeka kwe-Airline
Ikhadi lakho lesikweletu liya kuhlawula umvuzo ekuthengeni kwakho. Uninzi lweehotele kunye neenqwelo zeenqwelo-moya zizinkqubo zokunyaniseka eziza kuhlawula umvuzo wokuhlala kwakho neenqwelo. Ukubhalisela le nkqubo kunye nesehla. Qinisekisa ukuba usebenzisa inombolo yakho yomvuzo wokunyaniseka ngexesha lokubhuka kwaye usebenzisa ikhadi lakho lekredithi ukuze ufumane imivuzo engaphezulu.
Makhe sithi, umzekelo, ubeka ibhola kwi-Delta Airlines kwaye uhlala kwihotele yaseMarriott. Sebenzisa inombolo yakho ye-SkyMiles kunye neenombolo zembuyekezo zakho ze-Marriott xa ubhalela ukufumana imivuzo kunye nezo nkqubo. Ngaphezulu, thola umvuzo kwikhadi lakho lekhredithi ngokuthenga.
Namathela kwihotele efanayo kunye neempawu zendiza zeenqwelo-moya njengoko unakho. Inqaku leenkqubo zokunyaniseka kukukuvuza ngokusetyenziswa rhoqo. Xa usebenzisa ngaphezulu iimpawu ezifanayo, amanqaku angaphezulu ongayifumana. Uya kwenyuka kumanqanaba omoya ekunikezela ngee-perks ezongezelelweyo kunye neengongoma zebhonasi kwiimoto zakho kunye nokuhlala kweehotele.
Ukudlulisa Amaphuzu phakathi kweeNkqubo
Emva kokuba uqokelele amaphuzu kwiinkqubo ezahlukeneyo, unokukwazi ukudibanisa kwinkqubo enye kwaye ukhulule uhambo. Ngaphambi kokuba wenze ukutshintshelwa, funda imithetho ukuze ufunde indlela ongadlulisela ngayo amaphulo nokuba uya kulahlekelwa nawaphi na amanqaku ekudlulisweni. Ngokufanelekileyo, ufuna ukudlulisela amanqaku ngomlinganiselo we-1: 1 ukuze ugcine onke amanqaku osebenze kanzima ukuze uzuze.
Hlawulela iMbuyekezo Yakho Ngaphandle
Ngokuxhomekeka kwikhadi lesikweletu, unokusebenzisa umvuzo wakho ukuhamba ngokuhamba ngeetayiti yokubhuka kwekhadi, okanye unokuhlawulela umvuzo wakho kwisitatimende sekhredithi. Ukuba ukhetha inkcazo yemali yesikweletu, kuya kufuneka uhlawule ukuhamba kwikhadi lakho lesikweletu bese usebenzisa imivuzo yakho ukuthenga i-akhawunti ngetyala lokuhamba. Ukuba awufuni ukuphelisa ukuhlawula umlinganiselo, hlawulela umvuzo wakho ngokukhawuleza. Ngaphandle koko, unokuhlawula ubuncinci ubuncinane ukuba ugcine i-akhawunti yakho ngokuma kakuhle ngelixa ulinde ingxelo yekhredithi ukuthumela kwi-akhawunti yakho.
Njalo uhlawule ixesha lokugwema ukulahlekelwa yimbuyekezo yakho
Ukushicilelwa okulungileyo komvuzo wakho kwikhadi lesikweletu kuya kubandakanya izinto ezinokukwenza ulahlekelwe ngumvuzo wakho wekhadi lesikweletu. Ngokuqhelekileyo, iintlawulo zexesha elide ziya kukuhlawula zonke iindawo oziqokelele. Yinto yokugqibela oyifunayo emva kokuba usebenze nzima kanzima ukwakha imivuzo. Hlela isikhumbuzo iintsuku ezimbalwa ngaphambi komhla ofunekayo ukuze ungayi kulibala ukwenza i-credit card yakho yokuhlawula. Okanye, misela inkokhelo ngokuzenzekelayo nje xa ukhohlwa ukuhlawulwa kwakho.
Ukunyamekela Imivuzo Iinguqulelo zeNkqubo
Abathumeli bekhadi abanokwenza ngekhredithi banako kwaye batshintshe imiqathango yemigqaliselo yenkqubo rhoqo. Ungacingi ukuba ukhululekile kwiprogram. Qaphela ukufakwa okuza kunye nesitatimende sekhadi lakho lesikweletu echaza nayiphi na inguqu eyenziwe kwiprogram yomvuzo wesikweletu sakho. Uzakufuna ukutshintsha imimiselo yakho yokuchitha imali ukuqhubeka nokukhulisa umvuzo owufumanayo.