Unokuqwalasela i-credit union yemakredit yekredithi njengenye indlela yokufumana ikhadi lekhredithi ukusuka kwelinye lamakhredithi amakhulu ekhadi lekhredithi. Ngaphambi kokuba wenze ukugqithisa, kunceda ukwaziswa malunga nokwahlukana phakathi kwamakhadi eentengo zemakredithi kunye namakhadi eemboleko ezivela kubaxhasi bamakhadi amakhulu .
I-Credit Union Iikhedi zetyala zihluke njani?
Ikhredithi yemanyano yesikweletu yekhredithi ikhishwe yimbutho yekhredithi. Imanyano yemboleko ayizinhlangano ezingenzi nzuzo ezivumela amalungu ukuba aboleke kwiintlawulo zeepropati eziphantsi kwezinga lentengo.
Abanini bamakhredithi abakhulu bamakhredithi, ngakolunye uhlangothi, bangabhanki benzuzo ekufuneka bahlale beyikhumbula ingqondo yabo.
Amakhadi eentengo zemboleko ngamatyala amaninzi ahlala enomyinge omncinci werhafu , imali ephantsi, kwaye unobungane ngaphezu komthengi kumakhadi ekhredithi avela kubaniki bamakhadi abakhulu. Amanani omdla kwimali-mboleko yemanyano yamatyala njengamanje ayifakwe kwiipesenti ezingama-18. Umthetho we-Federal ubeka umlinganiselo wenzalo yemali-mboleko yemanyano ye-credit union kuma-15 ekhulwini, kodwa ivumela iBhodi ye-National Credit Union Administration ukuphakamisa umda ukuba kuyimfuneko ukhuseleko lwezinyunyana zemboleko.
Akukho mda wenkxaso yomyinge kwinqanaba lomyinge wemali mboleko yebhanki. Esikhundleni salo, inzala yenzalo isekelwe kwiimarike kunye nokhuphiswano, kodwa kuye kwaba ne-issuer card ekhawulezayo enikezela inzala ye-79.9 yepesenti. Ewe, ukuhlawula ibhalansi yakho ngokugcwele inyanga nganye kukuvumela ukuba ugweme ukuhlawula umdla nokuba unayo ikariti yesikweletu semali-mboleko okanye ikhadi lekhredithi elivela kumkhupheli omkhulu wekhadi.
Ngaba i-Credit Union Amakhadi eKhariti kuwo wonke umntu?
Qaphela ukuba nangona kukho iingenelo ezithile kumakhadi ekredithi yemanyano yesikweletu, kukho ezinye iindawo ezisezantsi. Okokuqala, uluntu jikelele alukwazi nje ukufaka isicelo sekhadi lesikweletu semanyano yesikweletu njengemali yesikweletu semanyano. Kufuneka ube ilungu le-credit union kwaye ubulungu bubodwa.
Ngokuqhelekileyo kufuneka udibaniswe neqela elithile okanye umqeshi ukuba ujoyine.
Ngenxa yokuba i-credit union iyinkampani engekho inzuzo ayinikezeli ngamakhadi-mboleko ngenzuzo. Endaweni yoko, amalungu e-credit union azuze ngqo kwi-credit union yamakredit amakhadi. Xa inyunyana yemali yenza imali, iyakwazi ukunciphisa iifizi kwaye inikeze umlinganiselo wenzalo kumalungu.
Ukuvunyelwa kwekhadi lokuthenga ngetyala akuqinisekanga nje ngokuba unelungu le-credit union. Umniki wekhadi lokuthenga ngetyala (credit card) uyakwenza i-credit check and uhlaziye ingeniso yakho ukufumana ukuba ufanelekile kwikhadi lekredithi. Iimanyano zetyala zivame ukunyamekela malungu kunye nokuba zikulungele ukunika ithuba lesibini ukuba isicelo sakho sekhadi lesikweletu sikhishiwe. Oku kunzima ukukwenza kunye nomkhupheli omkhulu wekhadi lokuthenga ngetyala.
Zonke i-akhawunti yakho yemanyano yekhredithi ihlanganiswe ndawonye, nto leyo ithetha ukuba ezinye i-akhawunti zingabakhokelela kwabanye. Ukuba unayo i-akhawunti yokutshekisha kunye nekhadi lekhadi lesikweleti kunye nomnye umlinganiso wekhredithi, umzekelo, i-balance account ye-akhawunti yakho ingasengozini xa ungekho phantsi kweentlawulo zekhadi lakho lesikweletu.
Ngaphandle koko, amakhadi enkredithi yemanyano yesikweledu afana namanye amakhadi ekweretheni. Ungayisebenzisela ukuthenga, ukuhanjiswa kwemali, kunye nentuthuko yemali (ukuba umniki-khadi wakho avumela).
Uya kufuneka wenze ubuncinci bentlawulo yenyanga nganye kwibhalansi yakho ukuze kugcinwe i-akhawunti yakho ngokuma kakuhle . Uninzi lwama-credit unions liza kuxela umlando weakhawunti yakho kwi-credit bureaus, eyinkuthazo eyongezelelweyo yokwenza iintlawulo zakho ngexesha.
5 I-Best Union Union Credit Cards
Nazi ezinye zeemarike zeentengo zemboleko zeentengo zemarike ekuthengeni ngoku kunye nenkcazo emfutshane yento efunekayo ukujoyina loo manyano yemboleko.
Ibhonasi yokuBhalisa ibhetele: I-Aspire Federal Credit Union Platinum Rewards MasterCard
I-Aspire Federal Credit Union Platinum Imivuzo I-MasterCard inikeza ibhonasi yokubhalisa ye-5,000 CURewards amanqaku emva kokuchitha i-$ 2,000 kwiinyanga zokuqala ezintathu zokuba nekhadi lakho lesikweletu. Ukudluliselwa kwemali, okufumana i-0 pesenti ye-APR ngeenyanga ezi-6, ubale ngokubhekiselele kwimfuneko yokuchitha imali yokufumana ibhonasi yokubhalisa.
Ngokuqhubekayo, uya kufumana i-1 iphuzu ngalinye idola oyichitha kwikhadi lakho. Imivuzo ingahlawulelwa ukuthengiswa kunye nokuhamba izaphulelo.
Unokujoyina i-Aspire Federal Credit Union ukuba unelungu lomndeni elifanelekileyo okanye umqeshi. Ngaphandle koko, unokujoyina i-American Consumer Council ukuba ilungu.
I-cashback engcono: i-USAA Imali yokubuyisela imali emva kwe-American Express
I-USAA Imbuyekezo Yemivuzo Ngaphezu i-American Express ihlawula iipesenti ezi-5 zemali kwi-$ 3,000 yokuqala kwi-gesi kunye nokuthengwa kwezixhobo zempi ngamnye ngonyaka; Iipesenti ezi-2 kwi-$ 3,000 yokuqala kwiintengiso ezithengiswa ngonyaka; kunye ne-1 ekhulwini elingenamkhawulo imali yokubuyisela yonke into. Uza kuzuza ipesenti ezi-1 kwi-gas kunye nokuthengwa kwezinto zokuthengisa ngaphezu komda wonyaka. Njengomgcini wekhadi, uya kufumana ezinye izinto ze-American Express ezifana newaranti eyongeziweyo, ukukhutshwa komonakalo wokukhawuleza kunye nokunyaniseka.
Uvumelekile ukuba ujoyine i-USAA ukuba wena okanye wakho umlingane usebenza okanye umhlala phantsi okanye ngabazali bakho okanye iqabane lakho lilungu le-USAA.
Eyona ndlela ihamba phambili kwiGesi kunye nee-Grocers: I-PenFed Platinum Iintlawulo zeKhadi leSiginesha seVisa
Ikhadi lesiginesha se-PenFed Platinum I-Visa yeSignature Card ihlawula imali engama-100 eyi-credit statement xa uchitha i-$ 1,500 kwiintsuku zokuqala ezingama-90 zokuba nekhadi lakho lesikweletu. Ngokuqhubekayo, uza kufumana amanqaku ama-5 kuwo wonke ama dollar ochitha kwiintengiso zegesi; Amanqaku amathathu nge dollar kwimpahla; kunye nenqaku eli-1 nge dollar kuzo zonke ezinye izinto zokuthenga. Uyakuphinda ujabulele i-APR ye-0 yepesenti yokuqalisa ukuhanjiswa kwemali kwiinyanga ezili-12 zokuqala.
Unokujoyina inyunyana ye-PenFed yemali ukuba ungumntu osebenzayo okanye ohlala phantsi waseMelika kunye neNkonzo yeNkonzo engaHlangeneyo, okanye isihlobo okanye umntu ohlala naye.
Eyona ndlela ibhetele kubaBalabi abakhulu: iKhadi lokuTyikitya leVisa elihambelanayo
Ikhadi lokuTyikitya leVisa eliLungelelanisiweyo lenzelwe abo bachitha i-$ 50,000 okanye ngaphezulu kwikhadi labo lesikweletu. Akukho bhonasi yokubhalisa, kodwa uza kufumana imali engama-3 ekhulwini ngemali ekuthengiweyo kunyaka wokuqala kunye neepesenti eziyi-2.5 imali emva konyaka emva koko. Masithi usichitha i-$ 50,000 ngonyaka wokuqala (malunga ne-$ 4,170 ngenyanga), uza kufumana i-$ 1,500 ngemali ebuyisela umvuzo kwiminyaka yokuqala kunye ne-$ 1,250 ngonyaka wesibini. Akukho mkhawulo kwimbuyekezo yokubuyisela imali ongayifumana. Kukho umrhumo we-$ 59 wonyaka okhishiwe ngonyaka wokuqala.
Ukujoyina, kufuneka ube ngumqeshwa wangoku okanye umhlala phantsi we shishini okanye inhlangano ebambisana kunye ne-Alliant. Ngaphandle koko, unokwenza umnikelo kwi-Foster Care kwiNtuthuko uze ube ilungu le-Alliant.
Akukho onke amakhadi ekwereta adalwe ngokulinganayo, kunye namakhadi eentengo zemboleko. Njengaye naziphi na ezinye iikhadi lekhredithi, kufuneka uphando uze uqhathanise ngaphambi kokufaka isicelo.
Eyona ndlela ihle kakhulu kwiNgxowa-mali engalunganga: Isebe likarhulumente I-Federal Credit Union Isindisa i-Visa Platinum Card
Ukuba ukhangele ikhadi lokuthenga ngetyala lokufumana i-credit card, i-Savings Secured Visa Platinum Card evela kwiSebe leSizwe i-Federal Credit Union yinto efanelekileyo. Umda wakho wesikweletu ugcinwe ngemali kwi-akhawunti yakho yokulondoloza. Akukho mrhumo wonyaka kwaye uza kuzuza imivuzo ekuthengeni kwakho.
Ukujoyina, kufuneka ube ngumqeshwa weSebe lase-US okanye oqeshwe okanye odibene nenhlangano ilungu, okanye angene kwiBhunga labathengi baseMelika ukuba abe ilungu.