The Milestone Gold GoldCard isipi kadhi rechikwereti rinotarisirwa kune vakakumbira vane chikwereti chakashata . Kadhi inobudiswa neMid America Bank & Trust Company neBicc-insured bank iri muDixon, Missouri. (Cherechedza kuti FDIC yunivhesiti haibatsiri iwe sechikwereti mutengi, asi inotaura nepamutemo yebhangi.)
Pros
- Zvinogamuchirwa kune vashandi vane chikwereti chakashata
- Tanga wakafanirwa mberi usati washandisa
Cons
- Mutengo wepamusoro wegore negore
- Zvichida pasi pekwereti chikwereti
- Hapana chikamu chinotumirwa
APRs
- APR yekutenga uye mari inofambira mberi : 23.9%
Mari
- Mutengo wegore negore : $ 35, $ 59, kana $ 75 ($ 99 2 2 gore pagore) pakuvhura kwekuteerera. Mutengo wegore negore unobva pane chikwereti.
- Mvumo yekushandisa yemvumo : $ 25
- Mutengo wekupedzisira, wakadzokera kutengesa mari, pamusoro pemari yekubhadhara : kusvika ku $ 35
- Mari inotangira mari : $ 5 kana 5% kusvika ku $ 100
- Mari yekubhadhara kune dzimwe nyika : 1%
Detailed Review of the Milestone Gold MasterCard
Kana zvasvika kune makadhi ekukwereta pasi, iyo Milestone Gold MasterCard ndeimwe yepamusoro. Pasinei nemari yepamusoro yebhadharo yegore negore uye chikwereti chechikwereti chiduku, Milestone Gold MasterCard ine APR shoma, kunyanya kana ichienzaniswa neChishanu Premier Bank Bank Credit ya 36% APR (yakange yakareba 59.9% panguva imwe chete panguva). Kubva musi waApril 22, 2015, CreditCards.com inotaura mavhareji APR nekuda kwechikwereti chikwereti chikwereti se 22.73%, saka 23.9% hazvina kunaka.
Mari yekubhadhara iwe yaunenge wabhadharwa ichava $ 35, $ 59 kana $ 75 zvichienderana nekwereworthworthiness yako.
Iwe haugoni kuziva mari chaiyo yegore kusvikira iwe uchibvumira. Iko yebhadharo yemari ye $ 75 yegore negore inokwereta $ 99 gore negore mari inobhadhara gore rimwe nerimwe mushure megore rokutanga. Asi, izvi hazvifaniri kuva kadhi rechikwereti iwe unobata kwenguva yakareba. Shandisa gore kana maviri kuti uisezve chikwata chako chekwereti kusvikira iwe uchikodzera pane chimwe chinhu chiri nani mazwi.
Iwe unokwanisa kutangisa kukodzera kweMestestone Gold MasterCard usati wasarudza kuti uwane pfungwa iri nani yekuti iwe uchazobvumirwa kune kadhi rechikwereti. Ramba uchifunga kuti kufambira mberi kwechikoro hakusi chivimbiso chekubvumirwa, asi chinogona kuva chiyero chakanaka. Kavhidhiyo yekadhi inotaura kuti pre-qualification haizokuvadzi chikoro chako chekwereti.
Kana ukabvumirwa, uchagamuchira $ 300 zvishoma zvishoma chikwereti chikwereti chinoenderana nekwerekiti yako, mari, chikwereti uye zvimwe zvidzidzo. Pamusoro pemigumisiro, chikamu chekutanga chako chikwereti chikwereti chichapedza nemari yegore negore uye kana ukasarudza kuwedzera mutengi akagamuchirwa , iwe uchatarirwa mubhadharo weiwo zvakare. Kubhadhara mari yako usati waita chero zvikwereti pane kadhi rechikwereti ndiyo nzira yakanakisisa yekudzivirira chikwereti chakashandiswa uye inokuchengetedza kupinda mune chikwereti chakawanda kudarika iwe unogona kuita.
Pane chekubhadhara mari shoma yehuwandu hwe7% kana $ 35 pachiyero, iyo yakakwirira kudarika mamwe akawanda makadhi emakwereti, asi ichakubatsira iwe kubhadhara chikamu chako nokukurumidza. Zvikamu zvinomwe kubva muzana zvehuwandu hazvizove zvakakwirira kudarika $ 35 kusvikira bhadharo yako iri pamusoro pe $ 500, saka mumatambudziko akawanda, kubhadhara kwako pamwedzi pamakadhi aya kuchava $ 35 (kunze kwekuti bhaari yako iri pasi pe $ 35).
Uine 23,9% APR, zviri nani kana iwe uchibhadhara chikwereti chako zvakakwana kuti urege kuchengetedza mari .
Iwe une nguva yezuva-25 yenyasha yekubhadhara chikamu chako uye usadzivisa kufarira.
Alternatives
Usati waenda neMestestone Gold MasterCard, chengetedza Capital One Secured MasterCard , iyo yakagamuchira $ 200 chikwereti chekwereti chekuchengetedzwa kwekuchengetedzwa kwema $ 49. Hapana mari yegore negore, asi APR ya 24.9%.
Fungawo zvakare Capital One Classic Platinum MasterCard (aisati akachengetwa kadhi rechikwereti), iro rine 20,9% APR ne $ 39 gore roga roga.
Yakagadziridzwa musi waApril 23, 2015. Mashoko emakadhi ekubhadhara uye mabhonasi ekuisa mabhizimusi anokwanisa kuchinja kubva panguva yekuongororwa uku. Taura nezvekushandiswa kwemagariro nemamiriro ezvinhu.