I-no-frills, ikhadi le-credit card elingu-vanilla.
"I-platinum" kwi-Wells Fargo Platinum Card iya kukucinga ukuba ufumana phezulu kwekhadi lekredithi eligcwele iipaki kunye neenzuzo, kodwa ungafumani ithemba lakho. I-Wells Fargo Platinum Card ine- intro enkulu ye- APR kunye (nokuba nakho) inqanaba elincinci lenzalo, kodwa akukho mvuzo okanye iinkonzo zamakhadi e-premium eza kuvumela iClatinum Card ukuba iphile kwisihloko sayo.
UkuPhakamisa kunye nePars rhoqo kwiChams Fargo Platinum Card
I-Wells Fargo Platinum Ikhadi iqalisa ukuba yikhadi lekhredithi elikhulu kunye ne-15 yeenyanga ezi-15 ze-APR yokuqalisa ukulungiswa kwemali kunye nokuthengwa. Ukulingana okudluliselwe ngexesha lokuqala litsalwa imali e-3% yemali yokudlulisela ibhalansi (okanye i-$ 5 nantoni na phezulu) ngokuchasene no-5% emva kokukhuthazwa. Nangona kunjalo, emva kokuphela kwexesha lokuqala, kunjalo naziphi na izinto ezibalulekileyo zekhadi. Akukho mrhumo wonyaka, ohlala ehlanganisiweyo. Kwimali-mboleko, i-Wells Fargo Platinum Card inomnye wexesha elide kakhulu lokuphromotha kwekhadi lekhredithi kwimarike.
Emva kokuphela kweenyanga ezili-15 zokupasa, i-APR rhoqo iya kuba phakathi kwe-15: 40% ukuya kwi-25.24% ngokuxhomekeke kubukwereti bakho kwaye uza kuhlawula imali ephezulu yokudlulisela imali kuyo nayiphi na imali ebhanjiweyo emva kwexesha lokuphromotha. Iindaba ezilungileyo kubantu abanamanani amanqaku a matyala, uya kufumana umyinge ophantsi.
Ukuba umlinganiselo wakho wekhredithi awulungile, unokulindela ukufumana umyinge ophezulu.
I-Platinum Card njenge-Overdraft Protection kwi-Wells yakho ye-Fargo
Ukuba unayo i-Wells Fargo ukujonga iakhawunti, ungasebenzisa ikhadi lakho lekredithi lokukhusela i-overdraft kwaye ugweme imali engaphezulu kwe-36 ye-overdraft. Nangona kunjalo, umrhumo we-overdraft ukukhusela kwangaphambili ngu-$ 12.50 ukuba i-overdraft yakho yansuku zonke ingaphantsi kwama-$ 50 okanye i-$ 20 ukuba i-overdraft yosuku ingaphezu kwe-$ 50.
Ukuthengiswa kwe-Overdraft kufakwe inzala phakathi kwe-24.24% kunye no-26.24% (kuxhomekeke kubukwereti bakho) ukusuka ngomhla wokuhamba. Ukudibanisa i-akhawunti yakho yokukhangela kwi-akhawunti yokulondoloza ukukhuselwa kwe-overdraft kubiza kakhulu, ucinga ukuba ugcine imali eyaneleyo kwi-akhawunti yakho yokulondoloza.
I-Phone Phone Benefit Benefits
I-perk encinci efunyenwe kukushicilelwa kakuhle: I-Wells Fargo iya kugubungela ukweba okanye ukulimaza kwiseli yakho yefowuni (ukuya kwi-$ 600 nganye nakwi-$ 1,200 nganye ngenyanga) xa uhlawula i-bill yakho yefowuni kunye nekhadi lakho lesikweletu. Ukuba uhlawula ukukhutshwa kweefowuni ngokusebenzisa umboneleli wakho wefowuni, unokuqwalasela ukukhansela le nkonzo. Elinye i-caveat, i-Wells's Cellular Phone Protection Protection ayifihla ilahleko.
Iintlawulo zekhadi laseFargo Platinum
- Akukho ntlawulo yonyaka.
- Imali yokudlulisela imali: 3% okanye i-$ 5 ngeli xesha lokuqala, 5% emva koko.
- Imali yokuqala yokuhlawulwa kwemali: i-5% okanye i-$ 10
- Imali yokuhlawula emva kwexesha elide: Ukufikelela kwi-$ 35.
- Intlawulo yesheke ebuyisiwe: Kufike kwi $ 35.
Ukuba ungumthengi we-Wells Fargo kwaye ufuna ikhadi lekhredithi kunye nabo, kutheni ungafumani ikhadi le- Wells Fargo Cash Back Card okanye i- Wells Fargo Rewards Card ? Zomibini amakhadi zihlawula umvuzo we-1% kwindleko yakho ngeCash Back Card ekhawula kuyo, ngokufanelekileyo, imali kunye neKhadi leMbuyekezo eliqhelekileyo elihlawula kwiingongoma.
Ukuba unemali yokubolekisa ekhaya kunye ne-Wells Fargo kwaye ufuna ukuyihlawula kwangaphambili, unokuba nomdla kwiKhadi leRebhu yaseKhaya lase- Wells . Ufumana i-1% emva kwenkcitho yakho, uhlawulwa kwi-akhawunti yakho yokubolekisa.
Ukuba ukwakhiwa kwakhona kwekhredithi yakho okanye unokufumana i-credit card engalunganga ungadinga ikhadi elikhuselekile. Khangela i- Wells Fargo Ikhadi leKharityi eliKhuselekileyo . Ngenye yamakhadi asematyala aqinisekisiwe kakhulu kwimarike.
Amanqaku ekhadi lokuthenga ngetyala kunye neebhonasi zokubhalisa ziya kutshintshwa ukusuka ngexesha lokuhlaziywa.