Indlela yokufumana iNgxowa-mali oyifunayo kungakhathaliseki ukuba yeyiphi iCredit Credit yakho
Ukuphela kweentsuku apho iimbali zentengo yamatyala yayikuphela kwendlela enye eya kuvunywa ukuba ibe nayo kwaye isebenzise ikhadi lekhredithi. Nangona ingxelo yekhredithi enhle idibanisa kunye nomntu ngamnye, namhlanje unako ukufumana imvume nangona unetyala elibi okanye ungenanto! Oku kuyimfuneko yokuba abashicileli bekhadi lokuthenga ngetyala banokubonga ngenxa yokuba le ntshukumo ayikhethi mntu. Amakhadi atyala kamzuzwana avunyiwe kwiiyure ezingama-24 kwiimeko ezininzi emva kokuba ufake isicelo sakho.
Inkqubo yesicelo i mfutshane kuba umnikezeli wekhadi akagqithisi ukuvavanya imbali yakho yematyala okanye kwimeko yengqesho. Ekubeni imbali yakho yematyala ayiqwalaselwa xa ukwenza imvume yamakhadi, ezinye zeemali zamakhadi ezikratshi zizakufuna ukuba ubeke imali ethile kwi-akhawunti yakho ngaphambi kokusebenzisa ikhadi. Xa imali kwi-akhawunti yakho iphela, awuyi kukwazi ukuyisebenzisa ngaphandle kokuba uhlaziya i-akhawunti. Le ngenye yezona ndlela ezilungileyo kakhulu zokwakha i-credit yakho . Xa usebenzisa ikhadi lakho lokuthenga ngetyala ngokufanelekileyo, ekugqibeleni uyakhululwa ngekhadi elimele ikhokhelwa njengabanye abantu.
Kukho iinkampani zekhadi lesikweletu ezikhupha amakhadi ezitalato zangaphandle kunye nabantu abaneentlobo zexabiso lokuthenga ngetyala-akukho ngxowa-mboleko, i-credit card, i-credit card kunye ne-average credit. Amakhadi akhutshwa phantse emva kwesicelo. Nantsi inkcazo ecacileyo yeyona mveliso yamaphepha-ngxowa-mali asemgangathweni ngokukhawuleza kuwo wonke amanqaku ekhredithi ekhutshwa ngokukhawuleza.
I-MasterCard yeCredit Credit
Le ngenye yezona zinto zifumaneke ngokukhawuleza zamaphepha amakhadi ekredithi atholakalayo ngabanye ngaphandle kokuqwalasela umlinganiselo wabo wekhredithi okanye imbali yemboleko. Inkqubo yesicelo ilula kakhulu kwaye ixesha lokulinda lililo liphantse. Iza nomlinganiselo wokuqala wokuthenga umthamo we-$ 500 kubafaki-zicelo bokuqala kwaye kuxhomekeke kwindlela osebenzisa ngayo ikhadi ngokufanelekileyo nangokuhlawula, akuyi kuthatha ixesha elide ngaphambi kokuba umlinganiselo uphakanyiswe.
Into enhle kulabo bantu abazenzayo ekuhlawuleni iifihla ngexesha elifanelekileyo, umsebenzi wokuhlawula unikwe ingxelo kwii-arhente ezintathu zeentengo zemboleko rhoqo ngenyanga. Oku kudala iplani enkulu ukuba uphucule iingxelo zakho zeentengo zemali kwizinto ezimbi ukuya kwizinto ezifanelekileyo okanye ezifanelekileyo ukuxhomekeka kuye kuxhomekeke kwindawo apho akho amanqaku namhlanje. Uya kufikelela kwi-akhawunti yakho kwi-intanethi ukuhlala ulawula zonke iintengiso ozenzayo. Ngaphezu koko, i-Surge MasterCard ingasetyenziselwa kuzo zonke indawo apho i-MasterCard ikhona khona.
I-Akhawunti yeNgxowa yeMali
Ukuba umlinganiselo wakho wekhredithi ungalunganga okanye ubulungisa, ngoko uFingerhut ulungele ukukukhupha ngekhadi lesikratshi elincinci ongayisebenzisa ngokukhawuleza. Eli khadi lekhredithi liza kwi-0 yepesenti yezinga leminyaka elikunika inkululeko yokuqhubeka ukuyisebenzisa yonke iminyaka ixesha elide nje xa wenza iintlawulo zakho zenyanga rhoqo. Kwakhona kunika ithuba lokunyusa amandla akho okuthenga ngokunika ingxelo zonke iintlawulo zenyanga zenyanga ozenzayo kwiarhente zentengiso ezintathu. Ukwenza kube lula kuwe, akukho mali yentlawulo yesicelo. Ekubeni akukho mlando weentengo zemboleko kwaye kufuneka ihlawulwe iifowuni zokusebenza, ke ubani na onokukwazi ukufumana le khadi lekhredithi ngexesha lakhe.
Akukho kwakhona iindleko zokusasazwa kwe-APR kwakunye neerhafu ezihambelana nokudluliselwa kwemali.
Ngazo zonke ezi ngenelo, ngoko uqinisekisiwe ukunyuswa kwesikweledu sakho semali-mboleko nje nje xa wenza iintlawulo zakho zenyanga ngexesha.
24K I-Visa RushCard ekhokhelwa kuqala
Leli khadi lekhredithi ehlawulwa kuqala efuna ukuba uqale ufake imali kwi-akhawunti yakho ngaphambi kokuba uyisebenzise ukuhlawula nayiphi na intengiso. Akukho tshenkethi kwaye akukho nto kuphela efunekayo kuwe kuphela ukuqinisekiswa kwe-ID kwaye ulungile ukuhamba. Ukongeza kule nto, akukho bhalansi encinci efunekayo ukuze ikhadi likhutshwe okanye lihlale lisebenza. Ukuba ngaba ibhalansi yakho isebenza phantsi, isilumkiso sisemsebenzini ukukhumbuza ukuba udinga ukuphakamisa ibhalansi yakho ukuqhubeka ujabulela iinkonzo. Kuyafana nokuba idiphozithi oyenzayo iyaphumelela.
Umgaqo-nkqubo wokubonakala kweZero visa uqinisekisa ukuba ikhadi lakho likhuselekile ngokupheleleyo xa lilahleka okanye libiwe.
Oku kuthetha ukuba akufanele ukhathazeke ngokuthi ungayifumana njani ibhalansi yakho kwimiba ekhankanywe ngasentla. Ngokwe-billing payment, unako ukuhlawula irenti yakho okanye nayiphi enye iindleko kwi-intanethi efanelekileyo kakhulu. Nangona kunjalo, kukho iindleko zenyanga nganye ilungu elihlawula ukusebenzisa ikhadi.
I-Pink NetSpend Card yaseVa Prepaid
Leli khadi livunyiwe ngaphandle kokuba umlinganiselo wakho wekhredithi ingqondweni. Kuphela kufuneka uyenze ukufaka imali kwi-akhawunti yakho kwaye uqale ukuhlawula iibhili. Inkokhelo ehlawulwe ngokutsha iyona ifanelekile kubafana abangaba nekhredithi engalunganga, i-credit card eyonakalisiweyo okanye ngaphandle kwembali yekhredithi. Ekubeni kungekhona ikhadi lekhredithi , i-NetSpend ikunceda ukuba wakhe kwimbali yakho yeentengo zemboleko kwaye ekugqibeleni uphuma ngaphandle kwebhanki engalunganga kwibala elifanelekileyo okanye elungileyo. Oku kwenzeka ngenxa yokuba zonke iintlawulo ozenzayo zixelwa kwi-arhente zeentengo zemboleko.
Ekubeni i-Pink Netspend ayiyona ikhadi lekhredithi elungileyo, akukho mali yokugqibela okanye ityala lekhadi lokuthenga ngetyala. Ungakwazi ukufumana imali ngokubuyisela umvuzo ngokusayinela umvuzo wokubuyisela. Ukongeza, ungahlala ulawulo lweakhawunti yakho. Kukho izilumkiso zomyalezo wangempela-xesha zokugcina ulandelelwano lwakho kunye nokuba kukho i-alamu. Ekugqibeleni, unokuzonwabisa nokulawula i-akhawunti yakho ekuthuthukisweni kwekhaya lakho ngokukhuphela nokufaka isicelo seselula kwifowuni yakho.
Ikhadi legolide leVisa eliPhezulu eliPhezulu
I-prima eqinisekisiwe i-visa yekhadi legolide ngumhlobo wekhadi lekhredithi elikhuselekile elifanelekileyo kubantu abanomvuzo ongekho phantsi okanye akukho khredithi. Emva kokuba ufake isicelo, ivunyiwe ngokukhawuleza kwaye akukho xesha uya kukwazi ukuyibeka nayiphi na imali yemali kwi-akhawunti yakho kwaye uqale ukuthenga. Kule nkqubo, uya kuhlala ngaphandle kwetyala lekhadi lesikweletu eliza kukhulisa ngokuzenzekelayo amanqaku akho. Ukuba uhlala ubeka imali kwi-akhawunti yakho yokugcina imali, uya kugqitywa unikezelwa ngekhadi lekhredithi yangempela kunye nomda we-credit. Oku kuthetha ukuba unokwenza ukuthenga usebenzisa ikhadi lokuthenga ngetyala ngokuxhomekeke kumda we-credit card kwaye uhlawule ngawo ekupheleni kwenyanga.
Akukho mali efunekayo ukuze isicelo sakho sivunyiwe. Yonke into oyifunayo ulwazi lwakho lomntu kwaye ushiya yonke into kumkhupheli wekhadi ukugqiba inxalenye eseleyo. Ukuba usebenzisa leli khadi ngokufanelekileyo, uya kukwazi ukulungisa i-credit card yakho. Oku kukunika ithuba lokuba uzibonele kakuhle kuba zonke iintlawulo ozenzayo ngexesha elifanelekileyo zixelwe kwi-arhente zeentengo zemboleko.
Iprogram yokuqala yoPlatinum Prestige MasterCard Ikhadi lokuTyala eliKhuselekileyo
Ayikho imbali yamatyala okanye okanye ubuncinane ubuncinane bekhredithi efunekayo ukuba isicelo sakho sekhadi sivunyiwe. Nabani na ozimisele ukuba nalo unako ukufumana ngaphandle kokuphazamiseka. Isicelo sisisetyenziswe kwi-intanethi kwaye ngoko ke kusindisa ixesha. Isicelo sithatha ixesha elifutshane kwaye kunokukhokelela ekuvunyelwene kwangoko. Unokukhusela ngokukhawuleza umgca weekhredithi emva kokuhlawula idiphozithi ebuyiswe ngokugcwele phakathi kwama-$ 200 kunye ne-$ 2,000 ekufuneka ihlawulwe ngexesha lokufaka isicelo. Into enhle kukuba le mali ibuyiselwa xa ususula imali yakho.
Unakho ukufikelela okungenamkhawulo kwi-akhawunti yakho kwi-portal online. Omnye unokusebenzisa i-MasterCard yokuQiniswa kwePhambili yokuQinisekisa ukuhlawula ukuhlala kweehotele, ukuqashisa imoto kunye naphi nawaphi na amakhadi ekrediti avunywa. Intlawulo yonyaka ehlawulwayo yokusebenzisa eli khadi yi-$ 44. Leyo yindleko kuphela yiphi na ilungu elifunekayo lonyaka.
I-OpenSky iVisa yeCredit Credit
Musa ukukhathazeka okanye uxhalabele malunga nokuba amanqaku akho okwenza ntoni ngekredithi okwangoku ngoku ngenxa yekhadi lekhredithi ye-visa evulekile i-OpenSky, akukho mbuzo oviwo lwe-credit card yakho ngaphambi kokuba isicelo sakho sekhadi lesikweletu sivunyiwe. Lo mniki-khadi ukholelwa ukuba wonke umntu ufanelwe ikhadi lekhredithi kwaye akukho mntu kufuneka avalwe ukuba athathe enye ngaphandle kweembali zabo zemali okanye i-credit rating. Ngokukhawuleza emva kokuba isicelo sakho samkelwe, ungasifaka idiphozithi ebuyiswayo kunye nexabiso eliphantsi li-$ 200. Imali oyifakayo iyaba ngumda wakho wesikweletu kunye nokuhlawulwa, idiphozithi yakho iya kubuyiselwa ngokukhawuleza kwi-akhawunti yakho.
Ekubeni i-OpenSky ibika zonke iintlawulo kwie-arhente zorhwebo zentengiso, ukwenza iintlawulo ezifike ngexesha kunokuba lukhulu kunye nawe kunye nexesha lakho amanqaku ekhredithi aya kutshintsha ngokukhawuleza kwaye abe ngcono. Ngaphezu koko, ungafumana izicwangciso zangempela malunga nokuphucula ngokukhawuleza amanqaku akho ngokufunda iingcebiso ezinikezelwe kwiwebhusayithi yazo. Imali yonyaka yokusebenzisa eli khadi le-credit card yi-$ 35 kwaye i-APR rhoqo i-18.14 pesenti nangona oku kuguquguqukayo.
Ikhadi leKhadi leKhadi leNgcali
Le yinye ikhadi lekhredithi elimangalisayo elivunywa ngokukhawuleza emva kokungenisa isicelo sakho. Ungakwazi ukungenisa isicelo sakho kwi-intanethi kwaye kungekudala isicelo sifumaneke, kufuneka nje ulinde iiyure ezimbalwa uze ufumane ikhadi lakho. Ukuba unetyala elibi okanye ikhredithi efanelekileyo, akufanele ukhathazeke nonke. Awunaso isizathu sokungabaza ukungenisa isicelo sakho. Ikhredithi yakho embi ayikho imbambano. Akunakucingwa. Kuza neepesenti ezingama-0 u-APR kunye nomgca wokuqala weentengo nge-$ 500. Ngaphandle kwazo zonke iintlobo zemvume yokuthenga ngetyala, umsebenzi wakho awuhloliswanga. Oku kuthetha ukuba wonke umntu ofuna ukufumana le khadi lekredithi ngokukhawuleza angakwazi ukuba nalo naliphi na ixesha.
Enye inqaku elifanelekileyo umntu kufuneka aqwalasele nge-Gold Gold Credit Card kukuba umda wekhredithi awukhuseliyo . Ngaphandle koko, zonke iintlawulo zakho zixelwe kwi-arhente yokubika ngetyala kwaye oku kunokuba nempembelelo enkulu enokuthi xa iintlawulo zakho zenziwa ngexesha. Umrhumo wonyaka ngamnye umntu kufuneka ahlawule eli khadi ngu-$ 24.95 kwaye ukuba uceba izibonelelo zobulungu, baya kuhlawula ngokuzenzekelayo ngenyanga.
Ubumbano lweVisa ikhadi eliKhuselekileyo
Ukuba uye waba lixhoba lekhredithi engalunganga kwaye ukhangele i-credit card yomniki-mboleko ongenakucinge nje ngekhredithi yakho embi njengengozi kwishishini labo , ngoko u-Unity Visa I-Card Credit Credit iyona yezona zinto zilungileyo kwi-market. Ukuqala, akukho ntlawulo yesicelo ehlawuliswe kubafaki-zicelo abatsha abafuna ukufumana le khadi lekhredithi. Okwesibini, bonke abanamakhadi abanokufikelela kwi-akhawunti ye-24/7 kwaye ke banokubeka iliso kwimikhuba yabo yokuchitha ngexesha langempela.
Ngethuba lokungenisa isicelo sakho, umntu kufuneka abe ne-deposit ye-FDIC yokugcinwa ngokutsha okungenani i-$ 250. Oku kuya kusebenza njengomda wekhadi lakho lesikweletu. Emva kokwenza intlawulo yokuqala, idiphozithi yakho iya kubuyiselwa ngokupheleleyo kwi-akhawunti yakho. Ngakolunye uhlangothi, zonke iintlawulo ozenzayo ziya kuxelwa kwi-credit bureaus. Le nto ingaba yindlela efanelekileyo ukuba ukhangele phambili ekuphuculeni umlinganiselo wakho wekhredithi. Unomlinganiselo oqhelekileyo we-APR wama-17.99 epesenti kunye nemali yonyaka i-$ 39.
Ukuba netyala elibi okanye akukho mlando wesikweletu akufanele ube ngumqobo kuwe ukufumana ikhadi lekhredithi. Into enobungozi ongayenza yona kukuvumela ukuba akho amanqaku asematyala akhoyo akhoyo akhokhe ixesha lakho kwikamva. Oko akufanele kube njalo. Kufuneka usebenzise le nqanaba njengelitye elihambayo ukuze ufumane izinto ezingcono kunoko. Qala ngokufumana ikhadi lesikratshi esheshayo ukusetyenziswa kwakho. Emva koko, se benzisa ikhadi ukuze wakhe i-muscle yakho yezemali kunye ne-creditworthiness ngexesha, uya kubona ukuba usebhanki elifanelekileyo lekhredithi. Uluhlu olungentla luqulethe ukufumana imvume yamakhadi ekredithi kuwo onke amanqaku ekhredithi kukunika iintlobo ezahlukeneyo zokukhetha.