Ukususela ekuvunyeleni lula kumvuzo omhle, la makhadi anakho konke
Ngokuqinisekileyo, amanye amakhadi angase afaneleke ngakumbi kwiimfuno zoshishino lwakho kunabanye. Mhlawumbi ukuthenga ngetyala lakho kukuyinkxalabo kuba uqala nje-ishishini lakho alinaso isiseko esomeleleyo, esilondoloziweyo-kwaye kule ngxaki, uya kufuna imvume elula.
Zonke ezi ngqalelo zinokubangela ukuba kubekho indlela elula yokufumana ikhadi lekhredithi yoshishino kwaye kufuneka usebenzise isicelo.
Ukuqwalasela xa usebenzisa isicelo seKhadi leNkcitho yeMashishini
Mhlawumbi ufumane isabelo esilungileyo sekhadi lesikweletu ngeposi njengoko umnini-shishini. Kusenokwenzeka nokuba ucinga ukuba usebenzisa kodwa uziva unzima kakhulu. Zininzi iintlobo zamakhadi-mboleko zoshishino ziza nemisebenzi eyahlukeneyo, iimpawu kunye neenzuzo.
Ifana nekhadi lakho lesikweletu, ikhadi lekhredithi yebhizinisi lisebenza iirhafu zenzalo, oya kuba nazo xa uhamba ngokulinganisela emva komjikelezo ngamnye wokuhlawula. Ngokuqinisekileyo uya kufuna ukukhusela izinga eliphantsi kakhulu.
Amanye amakhadi ahlawula iirhafu zonyaka kunye neentlawulo zenyanga. Ngokuqinisekileyo, awufuni ukuhlawula oku, kodwa unokuba utshintshele ezinye izinto, ezifana nokuvunyelwa lula.
Imilinganiselo yemboleko ihlala isekelwe kumandla akho amanqaku okuthenga ngetyala kunye nekhredithi yakho yekhredithi, kodwa inzuzo enkulu yamakhadi ekhredithi yoshishino kukuba unokukwazi ukufumana umlinganiselo wemali eninzi ngokuthelekiswa noko unokufumana khadi.
Oku kubaluleke ngakumbi ukuba inkampani yakho ifuna ukwenza ukuthenga okukhulu ekuqaleni okanye ngezikhathi ngezizinto ezifana nezixhobo okanye i-inventory.
Amakhadi ekhredithi yamashishini anika uluhlu olubanzi lwembuyekezo kunye nezikhuthazo, ngokunjalo, njengezinga lokunciphisa, imivuzo yokuhamba, izaphulelo zokuqasha imoto, kunye nokunye.
Amanye amakhadi anikezela ngamabhaso okubuyisela imali ngokusekelwe kwipesenti yentengo yenkampani. Bonke abo babolekisi bamakhadi bekhredithi bafuna ishishini elitsha kwaye kufuneka bancintisane ngokumelene nomnye kunye nabanye abathengi. Yingakho banikela ngezi zinto ... kodwa i-perks ifanelekile ukuba uyayisebenzisa. Ziziphi izinto ezilungileyo zokuhamba ngeemitha zeeyile xa kungekho mntu kwi nkampani yakho oza kubetha?
Qala ngokwenza uvavanyo olunyanisekileyo lweemfuno zakho, iindlela zakho zokuhlawula imali, kunye nezikolo zakho zemali-ezikwakho kunye neyeshishini lakho. Ingcaciso oyibuthayo kufuneka ikukhokele njengoko ulungiselela ukufaka isicelo kwikhadi lekhredithi okanye kumakhadi.
Amakhadi aMatyala kunye namanye aMali
Kungaba lula kumnini-shishini ukuba avunywe ngamakhadi e-credit card angakhuselekanga kunemigca yemveli yebhanki okanye iimali-mboleko zentengiso.
Njengebhonasi eyongeziweyo, amakhadi enkcitho yoshishino anikezela ukuguquguquka okukhulu kunokuba iboleji zexesha elide. Umnini-shishini unenketho ezininzi zokuhlawula ngexesha lomjikelezo ngamnye wokuhlawula. Awukhawulelwanga kwiintlawulo zenyanga. Ikhadi lekhredithi kwi-shishini lakho linokukunika "umlambo" wezoqoqosho olufunekayo kakhulu xa kunzima ukuba imali yakho iwele emva kwaye ibhizinisi lakho lifutshane kwimali yemali okanye ukuthengisa kuyasheshisa.
Abaninzi abanini-shishini bafumanisa ukuba kufuneka bathenge okanye bahlawule i-invoyisi kwi-intanethi nabathengisi, ababoneleli kunye nabanye abaqeqeshiweyo. Ikhadi lekhredithi yebhizinisi livumela inkampani yakho ukuba ikwazi ukuphatha ngokukhawuleza iintlawulo ze-Intanethi nokuthenga.
Uninzi lwamakhadi ekredithi anika abanikazi bamakhadi ngeethuluzi zokusebenzisa i-intanethi ukulawula iakhawunti zabo, kunye ne-akhawunti yokuphela kweemali ezingakunceda wena okanye umkhondo wakho weakhawunti kunye nokuhlawula iindleko zakho zerhafu nezinye iinjongo. Oku kunokubonelela ngendlela elula yokugcina umkhondo wenkcitho yomqeshwa.
Ukuba umnikeli wekhadi ubika kwi-arhente yeentengo zemboleko, le nto ingaba yindlela ehle kakhulu yokuqalisa isakhelo sekhredithi efanelekileyo kwi-shishini lakho kwaye emva koko ufumane umgca owongezelelweyo wekhredithi kwaye mhlawumbi amaxabiso athathaka.
Iintlobo zeeKhadi
Kukho ezimbini iintlobo zamakhadi-mboleko zoshishino: zikhuselekile kwaye zikhuselekile.
Inkampani yakho iqinisekisiwe kuvunyelwe ngekhadi elikhuselekile ngenxa yokuba uthembisa isibambiso, ngokubakho imali yokugcina imali, egcina i-akhawunti.
Ngamakhadi angakhuselekanga, imvume yakho isekelwe ngokukodwa kwi-credit yakho njengomgcini-mboleko kunye nenkcitho yakho yekredithi. Amanqaku aqhelekileyo amakhredithi ukulungiselela ukuvunyelwa kwinqanaba le-680 kunye noluhlu lwama-credit card angakhuselekanga.
Eyona ndlela ihamba phambili, i-Easy-Approval Business Credit Cards
Ngoku ukuba unesibamba kwizinto ozifunayo kunye noko ungakufanelekela, zilapha iziphakamiso ezimbalwa.
I-One One Spark Classic kwiBhizinisi
Eli khadi lifanelwe namashishini amancinci. Ukuvunyelwa okungenani kulungelelaniswe nalabo abasanda kuvulwa iingcango zabo kwaye mhlawumbi abanalo imbali enkulu yembangeli yetyala. Ngokumalunga namanqaku akho, i-Capital One ithi iya kusebenza nabanini-shishini abanomvuzo "oqhelekileyo". Leli khadi linikezela iishwankathelo zokugqibela zonyaka kunye nezinye iingxelo zenkcitho, kwaye unokufumana amakhadi kubasebenzi bakho ngaphandle kweendleko ezongezelelweyo. Uya kufumana ipesenti e-1 imali emva kwayo yonke into yokuthenga, kwaye akukho mrhumo wonyaka.
Ibhanki yaseMelika I-Business Benefits Benefage Cash Mewards Card
Ibhanki lebhizinisi laseBhanki le-Amerika liza nebhonasi enhle: Ukuba uhlawula ubuncinane i-$ 500 kwiintsuku ezingama-60 zokuqala, iBhanki yaseMerika iya kuthenga i-statement yakho ngama-$ 200. Cinga ngako-ufumana i-$ 200 kwimpahla okanye iinkonzo mahhala. Oku kwenza ikhadi elihle lokuqalisa. Uza kufumana ipesenti ezi-1 emva kokuthengwa ezininzi emva kwexesha lokuqala losuku lwama-60, kunye neepesenti ezi-3 kwiivenkile zokubonelela ngeofisi kunye neziteshi zegesi kunye neepesenti ezi-2 kwiindawo zokutyela. U-APR akayi kukhaba kude kube emva kweevili zokuqala zokuhlawula ezithoba.
I-Visa Card Yonke
I-Visa iyonke inika inkqubo yokwenza isicelo ongayenza ngokulala kwakho, kwaye ixolela nge-credit-less-good-credit. Ewe, uya kuhlawula oku ncinane. Kukho umrhumo wokuqala wokuhlawula kunye nomrhumo wonyaka ngaphezu komrhumo wenyanga oqala emva komnyaka wokuqala. Umlinganiselo wakho wekhredithi uza kulungelelanisa ekuqaleni, i-$ 300 okanye mhlawumbi ngaphantsi, ude uzimise ngokwakho, kodwa i-Total Visa ingabika kuzo zonke iarhente zentengiso zontathu ukuze uqale ukudala ikhredithi yakho kunye nekhredithi yenkampani yakho ukuma okungcono. Ibhizinisi lakho kufuneka libe neakhawunti yokukhangela ukuze ufaneleke.
Chase Inkqubo yeCash Cash Credit Card
Ukuba wena kunye neyeshishini lakho ninamaprofayili aphezulu enkcenkceshelo, Inkom ingaba yindlela yokuhamba. Inkqubo yesicelo kunye nokufaneleka ingaba nzima, ngoko awukwazi ukufumana imvume elula, kodwa i-Chase inikezela ngembuyekezo eninzi yemali xa ufika ngaphaya kwesi sihloko. Ukuba uchitha i-$ 3,000 ekhadini kwiinyanga ezintathu zokuqala, uza kufumana imali engama-dollar ayi-300, kwaye uza kufumana i-$ 1,250 ye-$ 25,000 yokuqala eyokuthenga kwii-ofisi, kwi-intanethi kunye neesevisi zefoni-kungekhona nje kuphela kodwa zonke unyaka. Uza kufumana i-2 ekhulwini lemali emva kwexabiso elichithwe kwiivenkile kunye nezitishi zegesi, kunye neepesenti ezi-1 kuzo zonke ezinye izinto zokuthenga. Akukho Mvu kwiinyanga ezili-12 zokuqala kwaye akukho ntlawulo yamakhadi angeziwe kubasebenzi bakho.
I-Masterestard yeMaster
I-Masterestard ye-Milestone nayo inomdla wokuxolela iingxaki zeengxowa zengxowa-mali okanye iimbali zeentengo zemali kunye nokuvuma kwakho kunye noshishino lakho nantoni na. Eli khadi lifana nekhadi leshishini elinikezelwa yi-Total Visa, kodwa linemiba embalwa yintlukwano. Esikhundleni somrhumo wecala, oqhubekayo wonyaka, i-Milestone iya kuhlola i-credit yakho emi ngonyaka ngamnye kwaye ulungele umrhumo ngokufanelekileyo. Ukuba ukuthenga ngetyala lakho kukuphucula, unokulindela ukuba imali ihlawule ngokufanayo. Iimali zonyaka zivela kwi-$ 35 ukuya kwi-99 zamawaka. Eli khadi lixela kwi-credit bureaus, kwaye inika ukukhuselwa kobuqhetseba.
Ngaphantsi
Hlola ukulinganiswa kwamatyala akho kunye neyebhizinisi ngaphambi kokuba ufake isicelo sekhadi lesikweletu , kwaye ukuba izikolo zakho ziphantsi, cinga ukuvula i-akhawunti ngenye yalaba bantu abangaphantsi kwamakhulu-mboleko-mboleko okanye ufumane ikariti yekhredithi ekhuselekile ukuqala ukuseka ishishini elifanelekileyo umlando wesikweletu.