Kana uri kuronga kutenga huru muna 2018 uye iwe unoda kuibhadhara muzvikamu zvisingabatsiri, kuwana chikwereti chine chikwereti chekwereti ndiyo nzira yakanakisisa yekuita nayo. Nomutemo, chero chikwereti chekwereti chekutsvaga chikwata chinofanira kutora kwemwedzi mitanhatu (kunze kwekuti iwe usina kukwana pamagariro emakadhi echikwereti), asi yakanakisa kwete yekwereti yemakadhi emakadhi anopa 0 muzana chikwereti kwekanopfuura katatu chikamu chenguva.
Sezvo iwe uchienzanisa hapana chikwereti chekwereti kadhikiti, gara uchiyeuka kuti 0% yekutengeswa kwechirongwa chekuita chete inotora nguva yakati yeiyo. Pane imwe nguva nguva yokutanga yatopera, chikamu chinosara chichabhadhara mutengo mwedzi wega wega paAP. Iko APR yako chaiyo ichasiyana zvichienderana neukweretheni yako panguva yaunoshandisa kadhi rechikwereti. Kana iwe uine chikwereti chakanaka chekwereti, iwe unowanzofanirwa kuti uwane APR shoma.
Zvakanaka, iwe unofanirwa kubhadhara chikwereti chako musati nguva yekutsvaga yapera. Nenzira iyo, chero ipi zvitsva yaunotenga iwe paunenge uine kadhi rechikwereti ichava nenguva yekubvumira iwe uchibvumira kuti urambe uchifarira kadhi rako rekwereti risina chido.
5 Hapana Kadhi Kadhi Makadhi
Chero rimwe remakadhi emakadhi pane iyi Best Best Interest Interest Cards list inopa pasina kufarira kukurudzira kwezvose kutenga uye kutengesa kuwedzerwa . Ivo vakanaka pakugadzira zvisingabatsiri kutenga kana kutengesa maranho kuitira kuti zvive nyore kuderedza chikwereti chako chose.
Ramba uchifunga mupfungwa dzako kuti kuendesa chikwereti kunogona kuisa mari yekubhadhara mari. Mamwe makadhi emakwereti anopa mamwe maitiro akadai semari yakadzingwa kana mibayiro. Iwe unowanzodikanwa kuti uite zvakanaka kune chikwereti chakakosha kuti uwane mhando dzakanakisisa dzisina kufarira makadhi emakwereti.
1. Citi
Citi Simplicity
Citi ikozvino inopa maviri makadhi emakadhi pasina nguva inofarira kwenguva yakareba kupfuura chero imwe kadhi rechikwereti pamusika.
ICiti Simplicity ikozvino inopa 0% mapeji okutanga APR pamatenga uye kutengesa kutengesa kwemwedzi 21. Iyo inenge makore maviri asina chido pamatenga waunoita kana kuenzanisa iwe kutumira kune kadhi rechikwereti. Mushure mokunge nguva yekudhinda ipera, mutauro wakasiyana-siyana APR nokuda kwekadhi rechikwereti uchava 13.49 kubva kune 23.49 muzana. Iko APR yako chaiyo ichave yakabva pane yako creditworthiness.
Kwete Citi Simplicity chete ine nguva yakareba isingabatsiri (yakasungirirwa neCiti Diamond Preferred), iyo inofanirwawo kuti haibhadharwi mari kana nguva yegore. Kwete chete izvozvo, iwe haungabhadharwi chikamu chechirwere kana iwe wakanonoka kubhadhara kadhi rechikwereti. Mamwe makadhi emakadhi achasimudza chiyero chako kana iwe uine mazuva anopfuura makumi matanhatu pakubhadhara kadhi rechikwereti.
Unakidzwe neCiti Price Rewind, mutengo wekuchengetedza mutengo uchazongokubhadhara kero yako kana mutengo wechinhu chawakatenga madonhwe.
Kana ukashandisa kadhi yako kuti uwedzere muganhu, iwe uchabhadhara mari ye $ 5 kana 3 peresenti, chero ipi zvayo yakakura. Mari yekubhadharisa mari inowedzera mari yaunofanirwa kubhadhara, asi iyo yakasarudzwa ndeyokuti iwe unogona kuripa pasina chaunofarira chero bedzi iwe uchibhadhara chikwereti chako chakazara musati nguva yekutsvaga yapera.
Mari yekushambadzirwa inopomerwa APR ye13,49 muzana kusvika 23,49 muzana uye mari ye $ 10 kana 5 muzana.
Iwe kazhinji unofanirwa kuchengetedza mari inofambira mberi, asi izvi zvinonyanya kuitika munguva yekusimudzira nokuti iwe unenge ubhadhara huchaita kuti uparadzanise pakati pemarikeri uye uye pasina chikwereti. Izvi zvinoita kuti zvive zvakaoma kubhadhara chikamu chako uye unakidzwe nezvikomborero zvekusava nenguva yako yekufarira.
Mari yekubhadhara kune dzimwe nyika inenge 3 muzana yekutengeswa kwakaitwa mune dzimwe mari.
Zvimwe zvipingamupinyi ndezvokuti iwe haugoni kuwana mibairo pane kadhi rechikwereti (asi kwete kubhadhara chikwereti kune mutsa wemararamiro pachako) uye zvinosuruvarisa, haugone kutumira chikero kubva kune imwe Citi kadhi rekwereti.
Citi Diamond Inofanirwa
Citi Diamond Preferred mavambo neCiti Simplicity kwenguva yakareba isingabatsiri ine 0% yekutanga yekutanga APR pamatenga uye kutengesa kutengesa kwemwedzi 21. Kana nguva yekutsvaga ichipera, iyo inowanzodiwa yekutora inoshandiswa pakutenga uye kutengesa kuenzanisa kuchava 12,49 kubva ku22 kusvika ku22,49 muzana inoshandiswa APR, zvichienderana nekwerekiti yako.
Uyewo, kufanana neCiti Simplicity, kuendesa kwebhadharo kunokwereta mari ye $ 5 kana 3 muzana, chero ipi zvayo. Mari inoenderera mberi inotambirwa 25,74 muzana uye $ 10 kana kuti 5 muzana yemari inotangira mari.
Hapana mari inobhadharwa gore negore, asi kusiyana neCiti Simplicity, ICiti Diamond Preferred mhosva yakadhura kusvika kusvika $ 35. Citi Diamond Preferred inopawo chirango chekukwira kusvika ku29,99 muzana kana iwe ukawa kumashure pamakadhi ako ekwereti.
Citi Price Rewind inoshandawo kukutenga kunoitwa paCiti Diamond Preferred yako.
2. Tsvaga
Chase Slate
Chase Slate inopa 0% mapeji okutanga APR pamatenga uye kutengesa kushandiswa kwemwedzi gumi nemashanu kubva pakubvunzwa kwekambani. Mushure mekutangira nguva, APR inogara ichange iine 15,49 kubva ku24 kusvika ku24.24 kubva mukutora chikwereti chako.
Kune avo vanoda kuendesa chikamu pane mari shoma inogona kuitika, Chase Slate iri kadhi rechikwereti rakakura. Hapana mari yekutsinhanisa mari yekuenzanisa pane zviyero iwe unotumira mukati mazuva makumi matanhatu ekutanga. Iyi perk inonyanya kukoshesa kana iwe uine bhadha rakakura iwe unoda kutamisa nokuti ichakubvumira kuti iwe usvike mari yepakati yemari yekutengesa 3% iyo yakawanda yemamwe makadhi emakadhi.
Kana uri kutarisa kushandisa Chase Slate kuti uwedzere kutengesa, iyo yekutanga mazuva 60 ndiyo nguva yakanakisisa iyo. Mushure mokudaro, mari yekubhadharisa mari yekutengesa iri kubvisa 5 muzana yemari yakatamiswa.
Paunenge uchibhadhara mari yakaderera kusvika ku $ 37, hapana mari yegore negore pakadhi rechikwereti. Tsvaga Slate zvakare haibhadhari chikwereti APR iyo inoreva kuti chido chako chekuda hachikwanisi kuenda kana iwe wakanonoka kubhadhara kwako.
Iwe uchazogamuchirawo fikisi yako yegore negore yeFICO yekusununguka nekatema yako yekubhadhara chirevo. Nyaya yako yeFICO yekubatsira ichakubatsira iwe kuramba uine kuchinja kune chikwereti chako.
Mari yeP APR inotanga kusvika 25,49 muzana uye mari yekutanga mari iri $ 10 kana 5 muzana. Kutengeserana kwekunze kune dzimwe nyika kunotengesa 3 muzana yekutengesa.
Chase Rusununguko
Chase Rusununguko inopa 0% muzana wekutanga APR pamitengo uye kutengesa kuwedzerwa kwemwedzi gumi nemashanu yekutanga kwebhuku. Mushure mezvo, APR inowanzova 15.49 muzana kusvika 24.24 muzana, zvichienderana nekwereworthworthiness yako.
Chese Rusununguko ndeimwe yevashoma vasingafariri makadhi ekukweretesa ayo anopawo mubairo pamitengo. Kana iwe uchibvumirwa, unogona kuwana $ 150 bhonasi kana iwe ukashandisa $ 500 pakutenga mumwedzi mitatu yekutanga kubva pakubhurwa kwebhuku. Iwe uchawanawo mari ye $ 25 apo iwe unowedzera wekutanga mushandisi akagamuchirwa uye uchatenga kokutanga mukati memwedzi mitatu yekutanga. Kuti ukwanise kuwana bhonasi, haugoni kuwana rimwe bhonasi kubva kuChese (nokuda kwekadhi rino kana imwewo Chete kadhi rechikwereti) mukati memwedzi 24 yapfuura.
Kwete chete iwe unogona kufara pasina chido chekutenga uye mari yakawanda yemabhonasi, kunewo mimwe mibayiro mikuru. Iwe uchawana 5 kubva muzana mari yakadzokera kusvika kusvika $ 1,500 mukutenga mumabhonasi maitiro anochinjika kwekota imwe neimwe. Iva nechokwadi chokuti iwe unoshanda pane imwe nzvimbo kutenga kwako kuchawana 1 muzana cash back.
Mari yegore yega ye $ 0.
3. US Bank
US Bank Visa Platinum Card
Iko US Bank Visa Platinum Card inopa 0 muzana yemutambo wokutanga APR pakutsvaga uye kuendeswa kwebhadharo kwekutanga kokubhadhara mabhiriji. Mushure mokudaro, mutambo wakasiyana APR ndiwo 10,49 kubva kune 22,49 muzana kubva paukwereti wako. Zvakakosha kuziva kuti 15 mitsara yekubhadhara ichave ifupika kune mwedzi gumi nemashanu nokuti mabheji ekubhadhara anowanzotora mazuva makumi maviri nemakumi maviri nemashanu. Nhamba yako yekutsvaga ichapedza maawa gumi nematanhatu zvichienderana nehurefu hwekubhadhara.
Kuenzanisa kunotengesa 3% yekutengeserana kana $ 5, chero ipi zvayo. Mari inotangira mari yaunenge wabhadharwa inobva kune rudzi rwemari inotangira kushandiswa kwaunoshandisa, semuenzaniso mari inotangira kubva kuATM inodhadirwa mari yakasiyana pane mari yakafananidzwa mberi. Mari yekufambisa inofanira kudziviswa, kunyanya sezvo inotanga kuwedzera chibereko pakarepo, asiwo nokuti mari yako ichaparadzaniswa pakati peyero uye uye pasina chido.
Iko US Bank Visa Platinum Card inobatsirwa nePlatinum Visa Card kufanana nekodzero yekunyengera, kubatsirwa nekunyengera, kubhadhara motokari inshuwarisi, uye kubhengi mabhizinesi.
Hapana mari yegore negore. Mari dzemazuva ekupedzisira dzinodhadirwa kusvika ku $ 37.