Indlela yokuchonga ikhadi elifanelekileyo kwenkampani yakho
Ngokomzekelo, ukuba ishishini lakho lichitha imali eninzi kwiindleko zokuhamba, ngoko kuya kuba yinto efanelekileyo yokufumana ikhadi lebhizinesi elinika ibhonasi yokuhamba. Ukuba ngaba uchitha imali ethe xaxa ekuthengeni izixhobo zeofisi, umniki-makhonkco omhle kakhulu uya kukunika imali yeebhonasi kumakhadi-mboleko.
Oku kuthetha ukuba ngaphambi kokuba nayiphi na umnini-shishini ubhaliswe kuyo nayiphi na ikhadi lekhredithi, kukho imfuneko yovavanyo olupheleleyo malunga nokuba ubuninzi boshishino buchitha njani ngokweendleko zokuhamba, ukubonelela kunye namaphuzu okuvuza.
Kukho ezo makhadi ezijoliswe ngokukodwa ukunika abanikazi bamashishini abancinci bekhredithi ukuba baphakamise ukuhlawulwa kweendleko zoshishino ngenxa yokuba abaninzi babo abanakho iirhafu zonyaka, iintlawulo zenzalo eziphantsi kunye neentlobo ezahlukeneyo zembuyekezo ababanini beshishini abanokubanandipha . Nanku ukujonga okukhawulezayo kwiikariti ezili-10 eziphezulu zekhredithi zamashishini ngamashishini amancinci.
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Eli lilikhadi elifanelekileyo kubani abashishini abancinci.
Inikezelwa yi-American Express kwaye ayinayo intlawulo yonyaka ehlanganisiweyo kuyo. Okokuqala, eli khadi lekhredithi likunika iintlobo ezahlukeneyo zeebhonasi ezihambelana nazo zonke iimfuno zabanikazi bamashishini abancinci. Ukuba usomashishini uchitha i-$ 5,000 kwiinyanga ezintathu zokuqala, ufumana i-bonus ye-credit statement ye-200.
Ukuba uya phambili kwaye uchithe i-$ 10,000 kulezi zinyanga ezintandathu ezilandelayo, uphinde ufanele ukufumana i-$ 200 njengesitatimende sekhredithi esongeza kwi-$ 400. Ngaphezulu, umnini wekhadi ufumana kwakhona ama-5 ekhulwini ekuthengeni ukufikelela kuma-50,000 engama-year ngonyaka nangona oko kusebenza kwi-US kuphela.
Eli khadi linikeza umnini-mthengi wamakhadi omsebenzi ilungelo lokukhetha uhlobo oluthile lwama-3 ekhulwini kumbuyiselo onomda we $ 50,000 ngonyaka. Olu hlobo luquka ukuhamba, ukuqashisa, ukuthengisa, ukuthumela, icomputer yeharityhulam, iivenkile kunye nezikhululo zegesi phakathi kwabanye. Emva kwemali engama-50,000 efikile, abaphathi bekhadi kuma-5 ekhulwini kunye neepesenti ezi-3 banandipha i-1 pesenti engenakulinganiselwa kwimali yonke ekuthengeni ishishini lenza. Ngaphandle kweebhonasi, i-SimplyCash ayinayo intlawulo yonyaka, i-0 pesenti I-APR inqanaba kuwo wonke ukuthenga kwiinyanga ezi-9 zokuqala kunye nesicwangciso sokukhusela ukuthengwa esikubuyisela kwimpahla eyebiwe kwiintsuku ezingama-90 zokuthenga.
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Abanikazi bamashishini amancinci kufuneka bafumane indlela yokuba neChese Ink ekhadi lesikratshi ukuba baqhube amabhanki abo ngokugqithiseleyo ngaphandle kwezinto ezininzi. Okokuqala, emva kokusayinwa nokuchitha malunga ne-3,000 USD, ufumana ibhonasi ye-$ back cash. Kwiphepha elifanayo, ukuba ukususela ngosuku osibhalisa ngalo nokusebenzisa ikhadi lakho, ufanelekile ukufumana ibhonasi ye-back back ye-5 ye-bonus kuyo yonke i-ofisi yesibonelelo kunye nokuthengwa kwezonxibelelwano ozenzayo ukuya kuma-25,000 e-year ngonyaka.
Ngaphandle koko, ufumana i-2% yesitishi segesi kunye nokuthengwa kweevenkile usebenzisa ikhadi ukuya kumyinge wama-25,000 wamawaka kunyaka owodwa. Xa ufikelela kumda we-25 000 weminyaka ngonyaka, kukho i-pesenti ye-1 ehlawulwayo kuyo nayiphi na into ekuthengwa ngayo umnini-shishini enoba wenza ntoni ngaphandle kohlobo lokuthenga.
Akukho mali ehlawulwa yonyaka apho umnikazi wekhadi ehlawula ngonyaka. Nangona kunjalo, ukuthunyelwa kwemali kubiza iipesenti ezi-5 zexabiso elipheleleyo xa ukuthengiswa kwamanye amazwe kuthengisa iipesenti ezi-3 zentengiselwano. Umnini-shishini naye unokuhlawula imali eyongeziweyo emva kwayo yonke i-credited statement evela kwi-$ 20. Unokubuyisela kwakhona imali yakho kwiindleko zokuhamba ngeendleko kwaye le jackpot kubanini-shishini abachitha imali yabo kunye nexesha xa behamba. Ekugqibeleni, liza neepesenti ezingama-0 zokuqala u-APR okwenziwe kwiinyanga ezili-12 zokuqala emva kokuba i-APR iguqulwe kuxhomekeke kwiirhafu ezikhoyo kwimarike.
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Ingaba ungumnini-shishini lomncinci oye waba ngumhambi ohamba rhoqo? Le ngenye yamakhadi ekhredithi efanelekileyo kakhulu ekufuneka ukhangele ukuba ube nekamva elizayo. Nanini na xa uchitha i-$ 1 ekuhambeni, ufumana amanqaku amabhonasi kunye naliphi na i-$ 1 esetyenzisiwe kwenye indawo, usenokufumana i-1 iphuzu. Xa kuziwa kwiibhonasi zonyaka, unelungelo lokufumana ibhonasi yeminyaka engama-30 yonyaka. Emva kokusayinwa kwaye uchithe i-$ 3,000 kwiinyanga ezintathu zokuqala, uya kuvuzwa ngee-10 000 zamanqaku omvuzo wobulungu.
Akukho ntlawulo yonyaka apho ilungu lifuneka ukuba lihlawule. Ukongezelela, nanini na xa uchitha i-$ 2,000 ekuthengeni xa uhlala e-US, ufumana ama-10X amanqaku. Xa kuziwa kwiinkonzo ezongezelelweyo, eli khadi likukunceda ukuba udlulisele amaphuzu kwezinye iifayili kunye neenkqubo zeehotele ezifana ne-JetBlue kunye ne-Hilton Hotels phakathi kwamanye amaninzi. Eli khadi lifaneleke kakhulu kubani abashishini abancinci abachitha iindleko zabo kwiindlela zokuhamba kunye neethente zeehotele.
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Eli lilikhadi elifanelekileyo kumashishini achitha imali yazo enkulu okanye kunokuba iindleko zisebenzise amakhadi-mboleko. Ukuba yinto ecacileyo, ithetha ukuba amashishini achitha ngaphezulu kwama-$ 10,000 ngonyaka ngonyaka ngamakhadi-mboleko. Leli khadi liza nephesenti elingamkhawulo elingu-2 lemali yebhonasi emva kwayo yonke intengo eyenziwe. Ukuba umnini wekhadi uchitha ngaphezu kwama-4 500 kwiinyanga ezintathu zokuqala, ngoko umnini-mali, kulo mzekelo, umnini-shishini omncinci ufumana ibhonasi yemali eyi-$ 500. Esinye isizathu sokuba ufanele ukhangele eli khadi yinyaniso yokuba ayinayo imali yokuthengiswa kwamanye amazwe. Ngenye yamakhadi asemakhredithi alula kakhulu afunekayo abanikazi bamashishini abancinci.
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Nangona leli khadi lekhredithi lifuna ukuba umnini-mali ahlawule i-$ 450 ngonyaka, kukho imivuzo emangalisayo enokuyithandayo xa nje umrhumo wonyaka uhlawulwa. Ukuqala, ngeenyanga ezintathu zokuqala, ukuba uchitha i-$ 10,000 xa uthenga i-ofisi, ufumana ama-50,000 umvuzo womvuzo. Ufumana amanye amanqaku angama-25,000 emva kokuchitha i-$ 10,000 eyongezelelweyo ngexesha elifanayo. Kuzo zonke iintengo ezenziwe ngaphantsi kwe-$ 5,000 nganoma yisiphi na ixesha, ufumana ingongoma enye kuyo yonke idola eyichithwe. Kukho ibhonasi yokuhamba ye-50 ekhulwini xa uhamba nge-airline yakho ekhethiweyo yokukhetha. Uyakwazi ukusebenzisa amanqaku obulungu omele uwenze kuzo zonke okanye inxalenye yeendleko zokuhamba ngeenqwelo zeenqwelo-moya oya kuzo ngenkathi uqhuba ibhizinisi lakho . Kuphakathi kwamakhadi ekhredithi akhethwayo afanelekileyo afanele abantu abaqhuba amashishini amancinci ngaphandle komda omde wenkcitho.
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Eli likhadi elifanelekileyo kubani abashishini abancinci abahlala behamba ngexesha elide okanye kunoko rhoqo. Okokuqala, ukuba uchitha idola enye ngokuthatha inxaxheba kwi-Starwood ivuza izibonelelo, ufumana ukufumana iziqendu ezi-2. Zonke ezinye ezithengiweyo ezenziwe ngekhadi zinika umnini wekhadi eli-1 kuyo yonke idola eyichithwe. Akukho ncitshiseko malunga nokuthenga okufuneka uchithe imali. Xa amanqaku aqokelela, ungawakhulula ubusuku boo hotele kwi-Starwood. Ukuba akunjalo, unako ukutshintshela amaphuzu akho aqokelelweyo kwiiprogram zokuhamba ezibonelelwe ngekhadi. Ukuba udlulisela amanqaku angaphezulu kwama-20,000 kwintengiso enye, ufumana ama-bonus angama-5,000.
Ngakolunye uhlangothi, ukuba usebenzisa imali engaphezulu kwama-5,000 kwiinyanga ezintathu zokuqala, ufumana amanqaku angama-25,000. Ngaphezu koko, akukho PAM yokuqala kunye nentlawulo yonyaka ka-$ 95 isuswa emva komnyaka wokuqala. Zonke ezi zinzuzo zibonisa ukuba eli khadi lekhredithi lilungele abanikazi bamashishini abancinci abathanda ukuhamba rhoqo kunye nalabo abathanda ukutyelela iidolophu ezikufuphi kwaye bafuna indawo yokulala xa behamba ngorhwebo.
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Xa ubhalisa kule khadi encinci yekhadi lesikweletu kwaye uchithe ubuncinane i-$ 3,000 kwiinyanga ezintathu zokuqala, uze ufumane imali engama-200 ebhonasi yemali. Xa kuziwa kwiimali zonyaka, eli khadi lekhredithi likhululekile. Ngaphezulu, akukho mali yokuthengiswa kwamanye amazwe okanye imali yokudlulisela imali. Oku kwenza kube yi-perk ekhangayo kubantu abaqhuba amashishini amancinci. Nangona kunjalo, ukuhlawulwa kwexesha elide kuya kubiza i-$ 39. Kwiinyanga zokuqala ezisi-9 emva kokubhaliswa, awuyi kuhlawula nayiphi na into yokuthenga APR. Emva kokuqala kwexesha le-APR, ixabiso le-APR liya kuhluka phakathi kweepesenti ezingama-13 kunye neephesenti ezingama-21 nangona oku kuya kuxhomekeka kakhulu kwizinga lokuthengisa kwamanani kunye nekhredithi yakho. Zonke ezi lungelo kunye neebhonasi ukuba le khadi lekhredithi liza nalo liyenza ibe yinto enokubakho ukuba ube nayo.
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Le enye ikhadi lekhredithi elixabisa kakhulu nabani na oqhuba ibhizinisi elincinci laluphi uhlobo. Nangona ayinayo ibhonasi yokubhalisa, ithola imali engapheliyo yeepesenti ezingama-3 kwi-gesi kunye nokuthengiswa kwamaseli angama-$ 200 ngokuthengiselana. Ukongeza ngaphezu kwalo, ukuthengwa kweofisi yeofisi kufumana i-3 pesenti yemali kwakhona. Ngakolunye uhlangothi, ufumana iipesenti ezi-1 zekheshi emva kwazo zonke ezinye izinto zokuthenga. Kunyaka ngamnye, umnini wekhadi ufumana ama-25 eepesenti yemali yebhonasi ye-backus ukuya kwi-$ 250 kwaye oku kuxhomekeke kwimbuyekezo yemali yonyaka. Kwakhona, ibhanki ayihlawulanga nayiphi na i-APR yokuthenga kwiinyanga ezi-9 zokuqala usebenzise ikhadi. Nje ngezinye iindidi zamakhadi-mboleko, izinga le-APR litshintshe ixesha kwaye oku kuxhomekeke kakhulu kwizinga le-APR elikhoyo kwiimarike.
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Njengomashishini amancinci, ufuna ngokuzenzekelayo ikhadi elikunika inani eliphezulu lebhonasi kunye nemivuzo. Xa ubhalisa kwaye uchithe ubuncinane i-$ 3,000 kwiinyanga ezintathu zokuqala, ufumana amawaka amabhonasi angama-20,000 angakholwanga. Kuzo zonke iidola ezichithe xa kuthengwa , ufumana amawaka amabhonasi ama-1.5. Xa iikhilomitha ziqokelele kwixabiso elininzi, unokuzikhulula ngeendleko ezihambelana neendleko zomoya. Ngaphezulu, ikhadi alikho iirhafu zonyaka kwaye ayikho nemali yokudluliselwa kwamanye amazwe okanye imali yokuthumela imali. Nangona kunjalo, nayiphi na intlawulo emva kwexesha elikhawulezayo idonsa isihlwayo se-$ 39.
Ngakolunye uhlangothi, akukho ntengo yokuthengwa kwe-APR kwiinyanga ezisi-9 zokuqala. Emva kokuba ixesha lobabalo liphelile, izinga le-APR liya kusekwa phakathi kwama-13 eepesenti kunye nama-21 ekhulwini nangona oku kuncike kakhulu kumlinganiselo okwangoku okhoyo kwimarike.
Xa uqhuba ibhizinisi elincinci , kuyacaca ukuba enye yezinto ofuna ukuziqinisekisa kukuba iindleko zakho ziphantsi kakhulu. Oku kuya kunika ithuba lokukhula kwishishini lakho kuba ubuninzi beengeniso zemali ziya kuhlala kwishishini. Enye yeendlela umntu anokuphumeza ngayo ngoku kukuqinisekisa ukuba usebenzisa ikhadi lekhredithi yezoshishino ekunika iintlobo ezahlukeneyo zembuyekezo kunye nebhonasi.
Ibhanki lekhredithi elifanelekileyo kufuneka likwazi ukunika imali yeebhonasi, iibhonasi zokuhamba kunye nenkululeko malunga nendlela yokusebenzisa ikhadi lekhredithi. Amakhadi adweliswe apha aphakathi kwamakhredithi asemgangathweni yoshishino kwamashishini amancinci kwimarike ekubhekiselele ukuhlangabezana nazo zonke iimfuno zomnini-shishini lomncinci. Ngoko ke, ukuba ungenayo enye yamakhadi apha ngentla apha, thatha ixesha lokuphanda kwaye ufake isicelo sakho ngokukhawuleza.