Ikhadi eliKhuselekileyo kunye neNqanaba eliLungileyo leMali kunye neNqanaba leNzala
Ngekhadi laseFargo elikhuselekile
Ukufumana ikhadi, kuya kufuneka uhlawule imali encinci yokugcina i-$ 300.
Idiphozithi yakho ifakwe kwi-akhawunti yokubambisa kwaye ibanjwe xa ungekho phantsi kweentlawulo zakho. Emva kokuba wenze i-deposit deposit, awukwazi ukusebenzisa loo mali kunoma yintoni enye de i-akhawunti yakho ivaliwe okanye iphuculwe kwikhadi elingakhuselekanga.
Nangona wenza idiphozithi ukukhusela umda we-credit, ufuneka ukuba wenze iintlawulo zakho zenyanga ngexesha. Ukugcina i-akhawunti yakho ngokuma kakuhle kukunceda ufaneleke ukuphucula. Ukuba i-akhawunti yakho iphuculwe, u-Wells Fargo uza kubuyiselwa imali yakho yokukhupha.
I-Fars i-Wellgo ikwahlukana kokuvumela abathengi ukuba benze i-deposit ephezulu ekhuselekileyo yokugcina imali ngaphezu kwamanye amaziko emali akwenzayo kumakhadi e-credit card. Unokwenza idiphozi yezokhuseleko ukuya kwi-$ 10,000 kwaye ufumane umyinge wekhredithi ngokwexabiso elifanayo.
Ibhanki iza kubelana nomsebenzi wakho weakhawunti yekhadi lesikweletu - kuquka umda wakho wekhredithi, umgca-mali kunye nomlando wokuhlawula - kunye neenkonzo ezintathu ezinkulu zemali-mboleko , ngoko ke ukusebenzisa ikhadi lakho lekhredithi ngokufanelekileyo liyakunceda ufumane ikariti yekhredithi engakhuseli kangcono.
I-Wells Ikhadi elikhuselekile lekhadi
Amanani omdla kwi-Wells Fargo ekhuselekile kwikhadi aguquke, kodwa ukuba ucinga ngokusayinela ikhadi, kufuneka uqhathanise nesantya somdla webhanki kwimilinganiselo yemigangatho yamanye amakhadi ekhredithi aqinisekisiwe. Kufuneka ufumanise ukuba inzala ye-Wells Fargo isetyenzisiwe ukuthenga, ukuhanjiswa kwemali, ukuqhubela phambili kwemali kunye nentuthuko ye-overdraft eyenziwa ngekhadi.
Ewe, unako (kwaye kufuneka) ugweme ukuhlawula umdla kwi-akhawunti yakho ngokuhlawula ibhalansi yakho ngokugcwele inyanga nganye.
Kwakhona, ungakulibali ukufumanisa ukuba yintoni na, ukuba kukho, umrhumo wonyaka yikhadi lekhredithi elikhuselekile. Ukuba kuphakamileyo kunomrhumo wokhuphiswano, unokufuna ukuya kwenye indawo kwikharityhulam yakho yesikweletu. Ngaphandle kwentlawulo yonyaka, unokuziphepha iimali kwiCares Fargo Ekhusekileyo kwikhadi esekelwe kwindlela osebenzisa ngayo ikhadi lakho. Ukuhlawula ngokupheleleyo kunye nexesha nganye nyanga ukuphepha ukhuphiswano kunye neemali zokugqibela. Gwema ukuhanjiswa kwemali kunye nokunyuka kwemali, ungasebenzisi ikhadi lakho lokukhusela i-overdraft kwaye ugweme ukusebenzisa ikhadi ukuthenga ngemali yangaphandle.
Ukuqhawula phezulu
Ngelixa iKhadi le-Wells ekhuselekile le-Wellgo licebisa kwaye lixhala, kuyafaneleka ukuba sicinge ukuba ufuna i-credit limit limit. Ukuba izithintelo zekhadi lekhredithi elilondoloziweyo alinelungelo elifanelekileyo kuwe kwaye awukwazi ukufaneleka kwikhadi lesikweletu somdabu, uya kufuneka uvuselele ikhredithi yakho ngendlela yokudala. Oko kuthetha ukuhlawula zonke iimali zakho, ukuhlolisisa ingxelo yakho yekredithi ukuze ususe naziphi na iimpazamo kwaye ulinde ubude bexesha elifanelekileyo (lingaba lifikelela kwiminyaka eyi-10) de kube nayiphi na imiphumo ewela ingxelo yakho ye-credit. Ukuba le nkqubo ayibhenxisi kuwe, unokufuna ukucinga kwakhona ngesimo sakho kumakhadi e-credit card.