Ukuba awuyikuqwalasela indlela oqokelela ngayo kunye nokuchitha imali yakho yokufumana umvuzo, nangona kunjalo, unokuphelisa imali ekhululekile etafileni. Nazi iindlela ezintandathu ongase usebenzise umvuzo wakho wamakhadi angalunganga ngaphandle kokuyiqonda.
Awulandeli indlela owafumana ngayo. Ukuze wenze uninzi lomvuzo wakho ngekhadi lesikweletu kwaye ufumane amawaka amaninzi okanye amanqaku kunokwenzeka, kufuneka usebenzise lonke ithuba lokufumana ibhonasi. Kweminye amakhadi, oko kuthetha ukulandelela imali yakho kunye nokusebenzisa ikhadi lakho kuyo yonke into ethola ibhonasi yomvuzo. Ngamanye amakhadi, kuthetha ukuthatha inzuzo yamathuba ebhonasi ahlukeneyo, njengeebhonasi zokuhlawulela okanye amanqaku ebhonasi yokuchitha imali ethile.
Uchitha amaqaku akho kwiirhwebo. Amanqaku amaninzi amanqaku akuvumela ukuba uthengise iingongoma zakho zokufumana iimpahla zentengiso, ezifana ne-computer okanye i-homewares. Kodwa ixabiso lokuhlengwa kwezi ntlobo zemivuzo yokuthenga zivame ukwethusa - ngakumbi ukuthelekiswa nokhetho oluphezulu, olunjengokuhamba.
Ngokomzekelo, kuxhomekeke kwikhadi lakho lesikweletu, amanqaku angama-50,000 umvuzo unokukuthenga ikhamera yedijithali engama-$ 250, ikhadi elilodwa lesipho okanye i-tikiti ye-7 750. Ukufumana izinga eliphezulu lokubuyisela kwimbuyekezo yakho yokuthenga, khangela isicatshulwa sakho sokuhlengwa kwekhadi kwaye ukhethe imivuzo ekuthengayo ngaphezulu ngamaphuzu ambalwa.
Uchitha amanqaku ekuhambeni okungabizi. Ngokufanayo, uya kufaka inani elongezelelweyo ukusuka kumaphuzu akho okuvuza xa uwasebenzisa kwiinqwelo ezide okanye amahotele angama-priver.
Ngokomzekelo, ikhadi lekredithi yehotele linokukuhlawula inani elifanayo lamaphupha, kungakhathaliseki ukuba uhlala egumbini elihlala libiza i-$ 100 ngobusuku okanye i-$ 400 ngobusuku. Ukuze ufumane uninzi kwikhadi lakho lomvuzo, gcina amaphupha akho ekuhambeni kwamanqaku okubaluleka okungahlawulanga ngendleko ngemali.
Uchitha imali ukukhulula umvuzo wakho "wamahhala". Ezinye iimvuzo zamakhadi zidinga ukuba ungene kumniki-khadi ukuze ubhale umvuzo wakho -uhambo oluxhaswa ngemali , kodwa ke uhlawule iifizi zokuhlawulela xa ukwenza phezu kwefowuni. Ukuze ugweme ukuhlawulwa ukuhlawulela umvuzo wakho, bhuqa uhambo lwakho nge-portal yakho yomvuzo wamakhadi kwi-intanethi okanye ukhethe ikhadi lokuhamba elikuvumela ukuba ubhale uhambo lwakho ngokuzimela uze uhlawulelwe ngalo.
Uncedisa imivuzo yakho. Amakhadi amaninzi ekwereta akuvumela ukuba udlulisele amaphuzu akho kwezinye iinkqubo zokunyaniseka, ezifana neenkqubo zokuhamba ngeenqwelo-moya rhoqo. Kodwa ukuba awuyisebenzisi lenkonzo, ungaphoswa ithuba lokuthenga uhambo olukhululekile okanye ufumane inani elongezelelweyo kwimbuyekezo yakho yemivuzo. Ngokomzekelo, ukuba ufuna nje iipalenti ezilikhulu ukuthenga uhambo olukhululekile kwi-airline yakho oyintandokazi, ungasebenzisa amaphuzu angaphezulu oshiye kwikhadi lakho lomvuzo.
Iinkalo zokurhweba phakathi kwenkqubo yokunyaniseka eyahlukeneyo kukunika ukulungelelanisa ngakumbi ukuze ungabi nako ukukhawulela nini okanye apho uhamba khona. Unokufumanisa ukuba i- credit card points points you worth more when you transfer them to another program.
Ushiya imivuzo engasetyenziswanga kwi-akhawunti. Yinto enye yokugcina umvuzo wakho de ube neekhilomitha ngokwaneleyo okanye amaphuzu ukuthenga uhambo olukhulu. Kodwa ukuba uyayilahla imivuzo yakho kungekho sizathu esihle, unokubangela ukuba ulahlekelwe ngokupheleleyo. Imivuzo emininzi iphelelwa emva kweminyaka embalwa kwi-akhawunti yakho, ngelixa amanye amakhadi avuselela umvuzo ngamnye unyaka kuphela xa uqhubeka usebenzisa ikhadi lakho. Unokuzisola ngokugcina iingongoma zakho ukuba umniki wakho unciphisa ixabiso leempembelelo zakho ngaphambi kokuba uzikhulule.