Iikariti ezili-10 eziphezulu zeMatyala Ukuba Unokulinganiswa kweeNkcitho
Abantu abathile abanomlinganiselo wokuthenga ngetyala kuthetha ukuba amanqaku abo aphakathi ko-630 no-689. Aba bantu banokukwazi ukufikelela kumakhadi- mboleko nangona kungabikho ikhadi ngalinye lokuthenga ngetyala. Kukho amakhadi athile ekhredithi apho amanqaku akho engavumelekanga ukuba anikezwe ngumniki wekhadi-mboleko ukususela ngo-630 ukuya ku-689 unokubhekwa njengengozi, enikezelwe ngenani lala makhadi ahamba nawo.
Nangona kunjalo, kukho amanani amakhadi kunye namakhredithi afanelekileyo okubhekiselelwe kuwe. Namhlanje, siza kujongwa ngokukrakra kwiikharityhulam ezifanelekileyo zetyala ezifanelekileyo kubantu abanomlinganiselo wokuthenga ngetyala. Nanku ukugqwesa kweetyala ezilishumi eziphezulu zekhredithi ezilungelelanisa abantu abanekhredithi efanelekileyo.
I-One One Spark Classic kwiBhizinisi
Le khadi lekhredithi lithetha ukuba abantu abanomdla kubo kwaye banomdla kwi shishini. Okokuqala, inkunzi enye yeklasi yezoshishino ayifuni iimali zonyaka.
Oku kuthetha ukuba awuyi kubanjelwa nayiphi na inkonzo yamakhadi egameni lokungaphumeleli ukuhlawula iifizi zonyaka. Okwesibini, nayiphi na intsebenzo ehlawulwa ngekhadi ikufumana i-1 pesenti yemali yokubuyisela umvuzo. Ngaphezulu, ungongeza kwakhona amakhadi abasebenzi abongezelelweyo kwikharityhulam ehlawulelwayo. Ukuba uqhubeka usebenzisa le khadi kwimicimbi eyahlukeneyo, inokuphuculwa kwimivuzo enjenge-Capital One Spark yoshishino lwemali kunye nabanye abaninzi.
Ukuba ufuna ukulawula iimali zebhizinisi lakho , eli khadi alidabuki nhlobo. Inika ithuba lokukhuphela iirekhodi zokuthenga ezahlukeneyo ezifana neencwadi ezikhawulezayo, ukukhawuleza kunye neefom ze-Excel. Oku kuya kukunceda ukuba uphathe kakuhle iimali zakho. Ngaphezulu, uya kuba nokufumana iingxelo zakho zezimali nge-imeyile rhoqo ngekota ukwenzela ukulungiselela uhlahlo lwabiwo-mali olulandelayo.
I-One One Quicksilver Imali yemivuzo yeKhadi leKhariti
Le yinye ikhadi lekhredithi elizuzisa abantu abanekhredithi efanelekileyo. Ukuqala, ufumana i-1.5 yeepesenti imali yokubuyisela umvuzo ngawo onke amaxabiso awuthengayo usebenzisa le khadi. Ukuba unako ukwenza iintlawulo zakho kwiinyanga ezilandelelanayo ezi-5 ngexesha, ngoko uya kukwazi ukufikelela kwimida ephezulu yekhredithi . Ukuba ngaba ikhadi lakho lilahlekile okanye libiwe, akufanele ukwesabise nantoni zonke kuba liza nekhava lokukhusela ukukhwabanisa.
Ngakolunye uhlangothi, unako ukufikelela kwi-bhanki yakho kwintuthuzelo ye-smartphone yakho ngelixa uhleli ekhaya usebenzisa i-app yeselula. Kwakhona, umvuzo wamakhadi owufumanayo awunawo umda kwaye awupheli kwakhona. Le nkululeko sonke esiyidingayo ndiyicinga. Iinzuzo zale khadi zidibanisa ezininzi iimfuno ukuba umntu onekhredithi efanelekileyo ufuna.
Okokugqibela, akudingeki ubhalise okanye ujikeleze iindidi ukuze ufumane umvuzo wemali.
Ikhredithi enye yeBhanki yePlatinum Visa yoLwakhiwo lweZakhiwo
Ndiqinisekile ukuba nayiphi na umntu onesikolo esilungileyo uhlala esebenza nzima ukuqinisekisa ukuba bayagxuma kule nqanaba kwaye bahambele kwinqanaba elifanelekileyo lekhredithi. Ukuba oko kuyisisusa sakho, ke le khadi idibana ngokupheleleyo neenjongo zakho 100 ipesenti. Okokuqala, likhadi lekhredithi elingakhuselekanga elingenayo imfuneko yediphozithi kwaye ke luncedo kakhulu xa ufuna ukwakha i-credit yakho. Nanini na xa wenza nayiphi na into oyithengayo, uya kuzuza ngokuzenzekelayo ipesenti ezi-1 emva kwembuyekezo ehlawulelwayo.
Ngakolunye uhlangothi, uya kuba nokufikelela kwi-credit score yakho kwi-intanethi ngokukhululekile ukwenzela ukuba ukwazi ukuba ungaphi ngokwemigangatho kunye noko ungakwenza ukuze uqhubeke uphucula.
Ekubeni iinjongo zekhadi kukukwakha i-credit yakho , zonke iintlawulo zakho ezifike ngexesha ziya kuhanjiswa kwiivenkile ezintathu zeentengo zemali kwaye ngokwenza njalo, amanqaku akho angathabatha ixesha elincinci kwaye ngaphambi kokuba wazi ukuba ukulinganisa kwakho kuya kusuka kwizinto ezilungileyo . Ngaloo ndlela, nabani na ofuna ukukwakha i-credit yabo, ngoko i-Credit One Bank Platinum yinto efanelekileyo kunye nelona khetho.
Chase Slate yeeTshintsho zeBhanki
Kwabo bethu abaye bathatyelwa ngetyala lekhadi lesikweletu , ngoko ukuba nekhadi lesikweletu se-Chase Slate liza kusindisa ezininzi iingxaki zemali. Okokuqala, eli khadi lekhredithi liza neepesenti ezingama-0 u-APR kwinqanaba le-balance kunye nokuthengiswa kokuthengwa okwenzayo kwimigudu yokuqala ye-billings oyisebenzisayo. Ukunikezwa okumangalisa ngale kharityhulam kukuba kukuqinisekisa ukuba uhlawulelo lwee-3 zeepesenti zokuhlawulwa kwemali kuzo zonke izilinganiso ezenziwe ngeentsuku zokuqala ezingama-60 zokuvula iakhawunti. Ukuba okwangoku uxhathisa ityala kwikharityhulam eyahlukileyo eqokelela umdla, ungadlulisela ityala kwikhadi lakho lekhadi lekhadi lekhredithi kwaye ujonge ukuhlawulwa kweemali zokudlulisa kunye nomdla. Oku kuza kukugcina imali eninzi ngexesha elide.
Ngenjongo yomzekeliso, masibe nomzekelo wokwenene wobomi. Kucelwa ukuba unelinganisela kwi-8,700 yeeRandi ezinama-15 eepesenti u-APR kwaye ukhetha ukuhlawula i-$ 500 ngenyanga, kuya kuthatha malunga neenyanga ezingama-20 phambi kokuba uhlawule ityala. Nangona kunjalo, ukutshintshela le mabhanki kwiKhadi leSlate leSlate lizokulondoloza malunga ne-$ 1,305 eyona nto ininzi kuba i-Slate inama-0 eepesenti ngomhla we-APR ngomhla we-15 wokugqibela wokuhlawula.
Uhambo lweeNkcazo zabaFundi kubaFundi
Ukuba ungumfundi ofuna ukuzitholela ikhadi lakho lekredithi, ngoko uhambo loomvuzo lubavulela abafundi luqala ukuqala. Unamathuluzi amakhulu wokwakha iikredenti ukwenzela ukuba uphucule i-credit yakho ngexesha elifutshane elimalinganiswa namanye amakhadi atholakalayo kwimarike. Kwakhona kukunika umvuzo naliphi na ixesha owenza iintlawulo ezifike ngexesha. Xa kuziwa kwiingenelo okanye kunokuba zifumane iingenelo, kubalulekile ukwazi ukuba eli khadi likunika ipesenti ezi-1 zemali ukubuyisela umvuzo kuyo yonke into oyithengayo. Ngaphezulu, uya kuzuza ibhonasi yeepesenti ezingama-25 kwintlawulo nganye yenyanga eyenziwa ngexesha. Ukongezelela, umda wekhadi lakho lesikweletu linyanzelwa ukuba wenza iintlawulo zakho zokuqala ezintlanu ngexesha. Ngokwemali yonyaka, i-zero-rate.
Ngakolunye uhlangothi, alukho ukuthengiswa kwamanye amazwe kulabo bafunda ngaphandle kwelinye ilizwe ngaphandle kwe-US. Ukuba ubheka ixabiso lomvuzo, eli khadi lilunge kakhulu kuba likunika i-1.25 pesenti njengomlinganiselo wokuvuza ophezulu kunamanye amakhadi.
Ikhredithi enye yeBhanki engavumelekanga iVisa ngaphandle kweDisposithi
Ekubeni eli khadi lingafuneki idiphozi kukho konke, kukunika ithuba lokwakha i-credit yakho ngexesha elifutshane. Kuzo zonke ukuthenga okuvumelekileyo ozenzayo, ufumana u-1 iphesenti imali emva. Ukongeza kule nto, unenkululeko yokukhetha umhla wakho wokuhlawula wenyanga ngenjongo elula. Unako ukufikelela mahhala kumanqaku akho ekwereta okunika ithuba elihle lokulandelela amanqaku akho kwaye ubone ukuba yeyiphi imimandla ephazamisa ukuphucula amanqaku akho.
Iingeniso ezi ngasentla zenza i-Credit One Bank i-Visa engaphephile enye yamakhadi angcono afunekayo izandla kunye neepokotshi. Ikunikelwa ngeqonga elibanzi ukuba ufuna ngokwenene ukwandisa i-credit yakho kwaye uphume ngaphandle kwamabhanki okuthenga ngetyala. Ukuba ufuna ukunyuka kwekharityhulam ngokukhawuleza, unokufuna ukufaka isicelo nangona ivela kwimirhumo. Nangona kunjalo, ukuba awukho kamsinya, iholo lokunciphisa iholo lemali liyakonyuka xa ubonisa ukuba unesidingo ngokwenene ngokuhlawulwa ngenyanga ngenyanga.
Fumana Iimayile
Kwabo bethu abahamba ngeendlela eziqhelekileyo, ngoko ukufumana i-Mcover Credit Miles credit card isisipho esilungileyo. Ngokomvuzo, eli khadi likunika iikhilomitha ezili-1.5 ngeedola zonke ozichithayo. Oku kuguqulwa ngokuthe ngqo kwi-1.5 yeepesenti ngemali kuyo yonke indawo oyithengayo. Kulabo abangafuni ukucinga ngokuphucula umvuzo wethu, ke le yikhadi elihle kakhulu ongayenza. Ukuba uyilungu lekhadi elisebenzayo kumnyaka wokuqala wobulungu, yonke imivuzo yakho iya kuphinda iphindwe kabini. Oku kuguqulela kwizinga lempesenti yeepesenti ezintathu ngonyaka.
Leli khadi lilungele ukuba uhambo lwabahambahamba rhoqo kuba aluhlawulanga nayiphi na imali yokuthengiswa kwamanye amazwe. Oku kuhluke kakhulu kwamanye amakhadi anokuhlawula malunga neepesenti ezi-3 njengemali yelizwe langaphandle kwimali yonke eyenziweyo ngexesha elizweni eliphesheya kwiimfundo, uhambo okanye iholide. Ngako oko, Fumana i-Miles enye yamakhadi alungileyo onokuyenza xa uhambahamba rhoqo.
Fumana I-Match cashback
Le ngenye yamakhadi angcono kakhulu onokuyenza ukuba ufuna ukuphindwa kabini umvuzo wakho wokubuyisela umvuzo ekufumaneni ekupheleni konyaka wokuqala. Ngokomzekelo, ukuba ufumana imali engama-$ 300 ngonyaka wokuqala njengemali yokubuyisela imali, uya kunikwa i-$ 600 ekupheleni konyaka wokuqala. Oku kuthetha ukuba kukunika idola ngemali yeedola ngemali yonke oyibuyayo. Xa kuziwa kwiiklasi ezijikelezayo nganye kwikota ezifana nezitishi zegesi, iivenkile, kunye ne-Amazon phakathi kwabanye, ufumana imali engama-5 eepesenti ukuya kwi-quarterly every time you activate. Uya kuphinda ufumane i-1 pesenti imali emva kwayo yonke into ethengweyo usebenzisa le khadi. Unokuzihlawulela kwakhona umvuzo wakho wembuyekezo yemali nayiphi na imali nayiphi na ixesha ofuna ukuyifumana ekubeni imivuzo ayibopheli ixesha elithetha ukuba apheli.
Akukho mali ehlawulwa yonyaka apho naliphi na ilungu elifunekayo ukuhlawula nanini na. Oku kuthetha ukuba umntu unokusebenzisa ikhadi ngaphandle kokwesaba ukusilela ekuhlawuleleni iifizi zonyaka. Njengelungu, unako ukuza ubone kwaye wazi isikolo sakho seFICO rhoqo ngenyanga. Amanqaku angabonwa kwiingxelo zakho zenyanga ozifumanayo kunye ne-intanethi.
I-One Bank yasePlatinum Visa
Ukuba ungumntu onomlinganiselo wokuthenga ngetyala kwaye unomdla kunye nomdla wokwakha i-credit yakho , uze ufumane i-Credit One Bank Platinum Visa. Oku kungenxa yokuba umnikeli wekhadi ubhawula zonke iintlawulo zakho kwii-three bureaus zemali ezahlukeneyo rhoqo ngenyanga. Oku kwenene ukwakha ityala yakho ngakumbi xa wenza zonke iintlawulo zakho ngexesha. Kuzo zonke iimpahla ezifanelekileyo ezenziwe ngokusebenzisa ikhadi, uzakufumana i-1 pesenti yebhonasi ye-back back. Ngenjongo yokulungelelanisa, unethuba lokukhetha usuku lwakho lokuhlawula lwenyanga okhululekile ngalo. Oku kuthetha ukuba awukwazi ukuphikisana nokwenza iintlawulo zenyanga nganye kuba unokukhetha kuphela umhla oqinisekileyo ukuba imali iya kufumaneka.
Eli khadi lenza ukuba lilungele kakhulu abantu abanekhredithi elifanelekileyo kwaye bafuna ukuphucula ukulinganisa kwabo. Ekugqibeleni, uya kuba nako ukufikelela kwiingxelo zakho zeentengo zemboleko zenyanga zenyanga kunye ne-Experian yakho.
Fumana I-Chrome yeBafundi
Ngaba ungumfundi obuza ukuba yiyiphi ikhadi lekhredithi elungele ukulawula kunye nokunika amabhonasi ahlukeneyo? Emva koko Qaphela i-Chrome yeBafana ingaba yindlela ekhethekileyo kuwe. Okokuqala, ufumana idola ngemitha yeedola yonke imali oyibuyiselayo kunyaka wakho wokuqala njengelungu.
Ufumana kwakhona ipesenti ze-2 kwiivenkile kunye nezitishi zegesi ukuya kwii-1 000 kwiiyure nganye. Ukuba ufumana amabanga amahle (GPA 3.0 okanye ngaphezulu) ufumana imali engama-$ 20 ngemali emva komnyaka wesikolo ngamnye ukuya kwiminyaka emi-5. Ayithengi imali yonyaka kubulungu bekhadi elithetha ukuba unokusebenzisa unyaka wakho wamakha ngonyaka ngaphandle kokukhathazeka. Uyakukwazi kwakhona ukufikelela kumanqaku akho okwekhredithi kunye neengxelo zemboleko nganye ngenyanga ngokuya kwi-intanethi okanye usebenzisa i-app yeselula.
Amakhadi angentla angama-10 awona matyala amakhadi angcono kakhulu kubantu abanekhredithi efanelekileyo. Abanalo naliphi na iifizi zonyaka, banikeze ithuba kumnini wekhadi ukuphucula amanqaku abo , bahlawule imali kwaye bavumeleke ukusebenzisa. Khetha naluphi na kubo kuxhomekeke kwiinjongo zakho kunye neminqweno yakho.