Ikhadi elitsha lokuhlawula kuqala lika-Amex likhululekile
Ngubani iKhadi le-American Express ehlawulwa kuqala
- Abantu abafuna ikhadi lokukhokha ngaphandle kokukhangela ityala.
- Abantu abanekhredithi engabikhoyo abangafanelekanga kwikhadi lekhredithi.
- Abantu abafuna enye indlela encinci kwikhadi lekhredithi elikhuselekile.
I-Credit Rating iyadingeka
- Akukho khankethi efunekayo
Mayelana nekhadi le-American Express Prepaid Card
Iinkonzo
- Ayikho imali yokulayisha kwakhona.
- Akukho ntlawulo yenyanga.
- Ukulayishwa lula kwi-akhawunti yebhanki, i-MoneyPak okanye ikhadi le-American Express.
- Iimveliso zathengiweyo kunye nekhadi lihlanganiswe yi-Amex yokuThengwa kokuThengwa.
- Ncediso lendlela ekhululekile.
Umxhasi
- Phinda ulayishe imingcele ibe yincinci kwabanye abantu.
- Akukho idiphozithi ngqo yokuhlawula.
- Akukho ntlawulo yentlawulo ye-intanethi.
- Ayikwazi ukusetyenziswa njengendawo yokutshintsha i-akhawunti yebhanki.
- Iminyaka emithathu ukuya kwemihlanu ilinde ukuba ulayishe imali kwi-akhawunti yebhanki.
- Ayifumanekanga ukuthengiswa e-Arkansas naseVermont.
Phinda ulayishe umda
- Ubungakanani obukhulu naliphi na ixesha: $ 2,500.
- Umthwalo omkhulu kuyo nayiphi na iintsuku ezingama-28: i-$ 2,500.
- Umthwalo omkhulu ngosuku: i-$ 500.
- Umthwalo omncinci: $ 25.
Imali
- Imali yenyanga: Akukho.
- Phinda ulayishe imali: Akukho.
- Umrhumo we-ATM: i-$ 2 nganye, yokuqala yokuqala inyanga nganye ikhululekile (umqhubi we-ATM unokuhlawula intlawulo).
- Umthengi wenkonzo: Ikhululekile.
Ukuhlolwa kweKhadi lokuPhepha kwangaphambi kweMelika
Amanqaku amaninzi esikhokhelwa ngetyala ayingxowa-mali . Bahlawulisa imali ephezulu yenyanga, balayishe kwakhona iirhafu okanye imali ye-ATM, okanye bonke abathathu. Kwaye akukho mfuneko yokuba-bayakwenza ngenxa yokuba bacinga ukuba abantu abaninzi abafumana amakhadi ahlawulwayo banqwenela ukukhangela ikhadi lokuthenga ngetyala kwaye kulula ukuguqula.
Ikhadi lokugqibela lokuhlawula i-Amex alinakho imali. Iindleko kuphela ze-Amex iindleko yi-$ 2 ukuhlawulwa kweentengo ze-ATM - kodwa enye yokuqala inyanga nganye ikhululekile. Oku kuhle kakhulu. Oku kwenza leli khadi libe lelinye lamakhadi ahlawulwe ngokwexabiso eliphantsi kakhulu kwimarike.
Ikhadi ineziphumo zalo. Ukuba ulayishe ikhadi nge-akhawunti yasebhanki, uya kufuneka ulinde iintsuku ezintathu ukuya ezintlanu zoshishino ukuze ulayishe imali.
Unokulayisha kuphela i-$ 2,500 kwikhadi ngenyanga, kwaye unokufumana kuphela i-$ 2,500 ngaphezulu kwekhadi nanini na ixesha. Awukwazi ukulayisha ngaphezulu kwama-$ 500 ekhadini ngosuku. Oko kuthetha ukuba awukwazi ukuhambisa idiphozi yakho, njengabantu abaninzi. Kwakhona akukho ntlawulo ye-bill ye-intanethi, ngoko awukwazi ukusebenzisa leli khadi esikhundleni se-akhawunti yebhanki.
Kodwa kukho ezinye ezininzi iintlawulo ongazifumana kunye namanye amakhadi ahlawulwe, ngaphandle kwexabiso eliphantsi. Nantoni na into oyithenga ngayo ngekhadi ihlanganiswe isicwangciso soKhuseleko lwe-Amex's Purchase Protection. Ukuba ikhadi lakho lilahlekile okanye libiwe, u-Amex uya kudlulisela imali yakho esele kwikhadi elitsha ngaphandle kwentlawulo. Kwaye akukho ntlawulo yokuthetha nenkonzo yabathengi; Ezinye iinkampani zamakhadi ezihlawulwa ngaphambili zikugxeka kakhulu ngeli lungelo. Kukho isicwangciso soncediso lweendlela.
Ungaphinde ulayishe ikhadi ngokuthenga i-Green Dot MoneyPak, ethengiswa ngabathengisi abaninzi. Ngexesha elincinci, i-Amex iya kubuyiselwa imali ye-MoneyPak, ukuya kwi $ 4.95.
I ngcebiso
Le yinye yamakhadi ahlawulwa ngokuncinci kakhulu kwimarike. Ukuba awukhumbuli imida ephantsi yokulayisha kwakhona kweli khadi, ngoko ndiyincoma kakhulu.
Leli khadi likhethi elingcono nelingabizi ngaphezu kweKhadi le-Prepaid yase-American Express PASS, elenzelwe abazali beveli kunye neendleko ze-$ 3.95 ngenyanga.
Unokwenza umyalelo kumakhadi amathathu, ngoko kukulungele ukuwanikela kumalungu entsapho. Ikhadi le-PASS linokulawula ukuchitha imali phezu kwalo, ngoko ke ukuba ungayithembi umntanakho, unamathele kunye nekhadi.
Ikhadi elilodwa eliKhokhelwa ngaphambili liyiyona ikhadi elihle kakhulu elihlawulelwayo . Inemali engaphantsi kwe-ATM kunekhadi le-Amex, kunye ne-$ 4.95 yemali yenyanga nganye ikhutshwa ngokulula xa ulayisha ngaphezulu kwe-$ 500 ngenyanga. Kwakhona kunemida ephezulu kakhulu yemithwalo kunye nentlawulo ye-intlawulo ye-intanethi.
Faka isicelo seKhadi leNgxowa-mali yase-American Express®.