Isenzo esihle sokubolekisa iRhafu yeZeholide izipho eZales
I-Zales Credit Card inganceda ngeeholide nakwezinye iimeko zonyaka. Ikhadi le-credit card elinika izixhobo zinikeza izicwangciso zokuhlawula inzala. Kodwa qiniseka ukuba uhlawula ibhalansi ngexesha kwaye ngokugcwele.
Zales zeKharity Card Basics
Lekhadi lekhredithi lenzelwe abantu bafuna indlela ephantsi yokuthenga iigugu. Iingubo eziphezulu zokugqibela azithengi nto encinci, kwaye ngokungaqhelekanga iya kudayiswa. Ngoko xa kuzalwa, iimbasa, kunye neeholide zijikeleza, abantu abaninzi bafuna iindlela zokulondoloza kwizinto zokuthenga izipho.
Ngenqanaba elifanelekileyo kumanqaku angaphezulu kweekhredithi (660+), unokuqwalaselwa kwikhadi le-credit card ye-Zales.
Lekhadi lekhredithi linomlinganiselo olinganiselweyo wepesenti ezingama-26.99, kodwa anikezeli nzala inzala xa ubhawula yonke ibhalansi kwiinyanga ezintandathu okanye ezili-12 (ubuncinci bokuthenga i-$ 500), eyona kuphela "umvuzo" wekhadi.
Ukongezelela kumgangatho ophezulu we-APR, kukho iifizi ezizaziyo malunga:
| Iimali zeKhadi leKhadi leMali | |
|---|---|
| Intlawulo yonyaka | Akukho |
| Imali yokuhlawula emva kwexesha | Ukufikelela kuma-39 |
| Imali yokuhlawula ebuyisiwe | Ukufikelela kuma-39 |
Iinkonzo kunye nemiSebenzi yeCale Credit Card
Iinkonzo
- Izicwangciso zokuhlawula inzala engaphantsi.
- Akukho ntlawulo yonyaka.
Umxhasi
- Umgangatho ophezulu kakhulu APR.
Ukuhlaziywa kweKhadi leKhadi leTyala
Ukuba ukhangele ukuba wenze ikhefu elikhulu le sipholide ngesipho esicacileyo kodwa ungacingi ukuba unakho ukuhlawula konke kanye kanye, kufuneka ukhangele kule ngxaki kwi-chain ye-Zales.
I-Zales Credit Card, yamkelwa kuphela kwiivenkile ze-Zales, ngaphandle kwe-intanethi kunye ne-intanethi, ngokuqhelekileyo ineenkwenkwezi ze-astronomical ezingama-27 i-APR.
Nangona kunjalo, ikhadi linemisebenzi emithathu ekhangayo ebolekayo ukuba ubolekise ixesha elide unyaka ngaphandle kwexabiso okanye ngexabiso eliphantsi.
Unokufumana imali yesibonelelo sepesenti ezintandathu ezintandathu xa uchitha imali engaphezulu kwama-$ 500 uze ufake iipesenti ezili-10. Unokufumana imali-mboleko yemali engama-1 000 kwiinyanga ezili-12. Iinyanga ezi-12 zemboleko zifuna ukuba ubeke ipesenti ezili-15 kwaye uhlawule imali engama-9.95 yentlawulo.
Sekunjalo, oku kungcono kunokuba uhlawule iipesenti ezingama-26.99 ukuphatha imali.
Ipesenti zePeru ze-APR azithethi iintlawulo zerhafu
Naluphi na icebo olikhethayo, kufuneka wenze inkokhelo encinci yenyanga ye-$ 20 okanye i-3 ekhulwini ye-balance yakho, naluphi na umkhulu, kwaye uyihlawule yonke ibhalansi ngexesha elibiweyo. Nangona kunjalo, njengo-Zales amanqaku ngokwawo, ukwenza intlawulo encinci ayiyi kuhlawula ibhalansi ngexesha. Ukuba awuyi kuhlawula iintlawulo ezincinci, okanye ukuba uthe wafika emva kwexesha, uza kuhlawuliswa inzala - kwi-26.99 yepesenti yezinga - uhamba nomhla wokuthenga. Oku kuya kuba kubi kakhulu.
Ukuze uqiniseke ukuba ungangeni kulolo mgibe, hlawula okungenani iipesenti ezingama-20 zebhanki nganye ngenyanga xa ukhetha i-$ 500 yokukhetha, okanye iipesenti ezili-10 zemali xa ukhetha ukhetho olukhulu. Ngaloo ndlela uya kuba nenkokhelo ehlawulwayo kwaye ungahlawuli nayiphi na inzala.
I ngcebiso
I-Zales Credit Card yintsebenziswano enhle ukuba ufuna ukuhlawulela ukuthenga kwakho ngexesha elide kodwa ungafuni ukuhlawulwa kwelinye lamakhadi akho ekwereta. Nangona kunjalo, akuyi kusebenza ukuba awuyi kuhlawula ibhalansi ngexesha. Uyakwazi ukuvunywa kule khadi, nokuba ngaba unetyala letyala.
Ixabiso lekhadi lokuthenga ngetyala, imiqathango kunye nemivuzo iya kutshintsha. Hlola iwebhusayithi ye-issuer yamakhadi okwenza iikharityhulam zakutshanje.