I-Masterestone yeGoldestone i-GoldCard yikhadi lekhredithi elijoliswe kubafakizicelo abaneentengo ezibi . Ikhadi ikhishwa yi-Mid America Bank & Trust Inkampani enebhanki eqinisekisiwe ye-FDIC eDixon, eMissouri. (Qaphela ukuba i- inshurensi ye-FDIC ayikuncede ngokwenene njengomthengi wekhredithi, kodwa uthetha ngokusemthethweni kwebhanki.)
Iinkonzo
- Ukuvunyelwa kwabafakizicelo abaneemboleko ezibi
- Fumana kuqala phambi kokufaka isicelo
Umxhasi
- Umrhumo wonyaka ophezulu
- Umlinganiselo weentengo eziphantsi
- Akukho bhajethi yokudluliselwa
APR
- APR ukuthenga kunye nenkqubela yemali : 23.9%
Imali
- Imali yonyaka : i-$ 35, i-$ 59, okanye i-$ 75 (i-99 99 ngonyaka ngonyaka) kwi-akhawunti yokuvula. Umrhumo wonyaka uxhomekeke kubukrelekrele.
- Imali yomsebenzisi ogunyazisiweyo : i-$ 25
- Imali ehlawulwayo, ibuyisele umrhumo wokuhlawula, umrhumo ongaphezu kwemida : ukuya kuma-35
- Imali yokuqala yokuhlawula imali : i-$ 5 okanye i-5% ukuya kwi-100
- Imali yokuthengiswa kwamanye amazwe : 1%
Uhlaziyo oluchanekileyo lwe-Milestone Gold MasterCard
Xa kuziwa kumakhadi e-subprime amakhadi, i-Milestone ye-Gold MasterCard yenye yezona zibhetele. Ngaphandle kwemali ephakamileyo yonyaka kunye nomda we-credit limit, i-Milestone Gold MasterCard ine-APR ephantsi, ngakumbi xa kuthelekiswa neKharityhulam yokuqala yeBhanki yeKharityhulam ye-36% ye-APR (yayingaphezulu kwama-59.9% ngexesha elinye). Ukususela ngo-Aprili 22, 2015, i-CreditCards.com ibika i-APR yomlinganiselo ngamakhadi akhredithi ngamatyala angama-22.73%, ngoko ke i-23.9% ayibi.
Umrhumo wonyaka ohlawulwa ngawo uza kuba yi-$ 35, i-$ 59 okanye i-$ 75 ngokuxhomekeke kubukweletu bakho.
Awuyi kukwazi umrhumo wonyaka wonyaka uze uvunyiwe. Inguqu yekhadi lokubiza yonyaka we-$ 75 ihlawulisa i-$ 99 yemali yonyaka ngamnye emva konyaka wokuqala. Kodwa, oku akufanele kube yikhadi lekhredithi olibambe ixesha elide. Sebenzisa umnyaka okanye ezimbini ukuba uphinde umise umlando wakho wekredithi uze ufumane ilungelo lokufumana into engcono.
Unokuzifumana ngokusemgangathweni kwi-Milestone Gold MasterCard ngaphambi kokuba ufake isicelo sokufumana ingcamango engcono yokuba uya kuvunywa kwikhadi lekredithi. Gcina ukhumbule ukuba i-pre-qualification ayikho isiqinisekiso sokuvunywa, kodwa sinokuqikelela. Iwebhusayithi yekhadi ithi ukuqala kwesiqinisekiso akuyi kuba buhlungu kumanqaku akho ekhredithi.
Ukuba uvunyiwe, uya kufumana umyinge we-$ 300 ubuncinci obuncike kwi-creditworthiness yakho, imali engenayo, ityala kunye nezinye iziqinisekiso. Kwinqanaba elingaphantsi, isahlulo semali yakho yokuqala yomyinge iya kuhlawulwa ngemali yonyaka kwaye ukuba ukhetha ukongeza umsebenzisi ogunyazisiweyo , uya kuvavanywa umrhumo kuloo nto. Ukuhlawula imali yakho phambi kokuba wenze nayiphi na intlawulo kwikhadi lesikweleti yindlela efanelekileyo yokuphepha ukusetyenziswa kwemali ephezulu kwaye ikugcina ungena kwetyala elingaphezu kwamandla akho.
Kukho inkokhelo encinci yemali engaphezulu kwe-7% okanye i-$ 35 kwibhalansi, ephakamileyo kunamanye amanqaku amakhredithi, kodwa iya kunceda ukuhlawula ngokukhawuleza ibhalansi yakho. Iipesenti ezisixhenxe zezona zinto zincinci aziyi kuphakama ngaphezu kwe-$ 35 ukuya kuthi ibhalansi yakho ingaphezu kwama-500, ngoko ke, kwiimeko ezininzi, intlawulo yakho yenyanga nganye iya kuba yi-$ 35 (ngaphandle kokuba ibhalansi yakho ingaphantsi kwe-$ 35).
Ngomhla wama-APR wama-23.9%, kungcono ukuba uhlawula ibhalansi yakho ngokuzeleyo ukuphepha iindleko zemali .
Unethuba lobabalo lweentsuku ezingama-25 ukuhlawula ibhalansi yakho kwaye ugweme umdla.
Ezinye iindlela
Ngaphambi kokuba uhambe ne-Milestone Gold MasterCard, khangela i- Capital One eVikelekileyo MasterCard , eyagunyaze umyinge we-200 wemali yemali yesibambiso se-deposit ephantsi kwe-$ 49. Akukho ntlawulo yonyaka, kodwa i-APR ka-24.9%.
Cinga kwakhona kwi- One One Classic Platinum MasterCard (ikhadi elingenakuthengwa ngetyala), elinama-20.9% we-APR kunye ne-39 yemali yonyaka.
Kugqitywe ukuhlaziywa ngo-Apreli 23, 2015. Imimiselo yekhadi lesikweletu kunye neebhonasi zokubhalisa ziya kutshintshwa ukusuka ngexesha lokuhlaziywa. Jonga kwisicelo semimiselo yangoku kunye neemeko.