Ikhadi leKharityhulam eliPhezulu labaThengi abakhubazekile
Ngesinye isikhathi, iBhanki yokuqala ye-Gold MasterCard ine-astronomical 59.9 iphesenti ka-APR.
Ngonyaka ka-2009, ikhadi lenze i-headlines kwiipesenti ezingama-79 u-APR! Ngoxa i-APR ihlile ukususela ngelo xesha, kuseyinye yekhadi lekhredithi ephezulu kakhulu yezo shishino. Oku phezulu kunezinga lokuhlawulwa kwamanye amakhadi! Inkulumbuso yokuqala yayingenzi nabanikazi bamakhadi naziphi na izinto ezilungileyo ngokunciphisa i-APR njengoko beyifake ngokuhlawula imali ephezulu . Iindleko zonyaka wokuqala zekhadi li-$ 170 kwaye unyaka wesibini ngu-$ 120.
Kukho umrhumo wexesha elilodwa we-$ 95, ehlolwayo kwaye kufuneka ihlawulwe ngokupheleleyo ngaphambi kokuba uvule ikhadi lekhredithi.
Iimali zonyaka zemali zekhredithi zisekelwe kwisixa semali yakho yomyinge kunye nokuphakanyiswa komda wakho wemali, ukuphakanyiswa kwemali yakho yonyaka. Ukuba umda wakho weekhredithi ngu-$ 300, kuya kufuneka uhlawule imali engama-$ 75 yonyaka. Le ntlawulo iyancipha ukuya kwi-$ 45 ngamnye ngonyaka ngonyaka wesibini ukuya phambili. Kodwa, ungacingi ukuba ikhadi lakho lithenga ngaphantsi. Ngomnyaka wesibini, uya kuhlawulwa imali engama-6.25 yenyanga, efika kwi-$ 75 ngonyaka.
Umlinganiselo ophantsi wokuTyala kweMali kunye neNkundla engaphantsi
Ukwenza izinto zibe zibi nakakhulu, unokufumana kuphela umyinge wama-500 werhafu, odliwayo kunye neerhafu ngaphambi kokuba wenze okokuqala ukuthenga kwakho. Xa umrhumo wonyaka wongezwa, uya kushiywa ngekhredithi encinane kakhulu. Umyinge wama-300 wemali-mboleko uza kukushiya nge-$ 225 ye-credit card yokuqala.
Umyinge we-$ 400 wokuqala umyinge uya kukushiya nge $ 300 yokuqala ityala elikhoyo. Umda weentengo zemali we-$ 500 uza kukushiya nge $ 375 nje kuphela. Ukuqwalasela okusemgangathweni kumanqaku akho ekwerethi ukugcina ibhalansi yakho yekhadi lesikweletu phantsi kweepesenti ezingama-30, kungcono ukuba ungenzi naziphi na iintlawulo kwikhadi de uhlawule iirhafu.
Akunakukunamathela kumda we-credit card kuze kube phakade, kodwa ngexesha ngalinye i-akhawunti yakho ifanelekile kwaye ivunyiwe ukwenyuka kwenyusa umyinge, iNkulumbuso yokuqala iya kukuhlawula imali yokunyusa umyinge wemali yemali elingana nama-25 ekhulwini kwenyuka. Ngokomzekelo, ukuba uvunyiwe ukunyuka kwe-$ 100.00, uza kuhlawuliswa u-R25.00, owongezelelweyo kwibhalansi yakho (kunye nezinye iirhafu ozihlawula kunyaka wokuqala). Abanini bamakhadi banelungelo lokunyusa umlinganiselo wesikweletu ngeenyanga ezili-13 emva kokuvula i-akhawunti.
Qaphela: Eli khadi lihamba phantsi kwegama elithi Centennial Gold neAventium Gold.
IBhanki yokuqala ye-Gold MasterCard Intengo
| Intlawulo yonyaka | U-$ 75 ngonyaka wokuqala kwi-$ 300 umda, i-$ 45 emva koko U-100 wemali kunyaka wokuqala ukuya kumda wama-$ 400, i-$ 45 emva koko $ 125 ngonyaka wokuqala we-$ 500 umda, i-$ 49 emva koko |
| Imali yokucwangcisa | $ 95 |
| Imali yenyanga | I-6.25 yee-$ 300 zeekhredithi zemali-mboleko, zachithwa ngonyaka wokuqala I-6.25 ye-$ 400 yemali yesingeniso semali-mboleko, yachithwa ngonyaka wokuqala I-10.40 ye-$ 500 yemali yentengo yemali, ichithwe ngonyaka wokuqala |
| Imali yokuhlawula emva kwesikhathi | $ 38 |
| Imali yentlawulo ebuyisiwe | $ 35 |
| Imali yokunyusa imithwalo yemali | Amaphesenti angama-25 omlinganiselo wesikweletu |
| Imali yokuhlawula imali | $ 6.00 okanye ama-5 ekhulwini |
| Imali yokuthengiswa kwamanye amazwe | 3 ekhulwini |
I-First Premier Bank yeBhanki ye-Gold MasterCard yenye yeyona makhadi awona mbi kakhulu, nokuba ngaba unetyala elibi. Iimali ziphezulu kakhulu kwaye abanikazi bamakhadi bahlala banika le khadi ukuphononongwa okubuhlungu. Esikhundleni sokusebenzisa eli khadi, qwalasela ikhadi elikwi-credit card, njenge- Capital One Secured MasterCard , engenakho imali yonyaka, i-24.9 iphesenti yo-APR, kunye neyona ncinci yokhuseleko phakathi kwe-$ 49 ne-200 kwi-200 yemali yemali.
Ukuba uphelela ukufumana i-First Premier Bank yeBhanki ye-GoldCard, yazi ukuba ungena ntoni. Gcina ulindelo oluphantsi uze ulisebenzise leli khadi njengendlela yokugxotha i-credit yakho ukuze ukwazi ukufumana into engcono.