Hongu, iwe unogona kuramba uchiwana mari kumashure nemadhidhikiti
Dhadhidhi Makadhi Ane Cash-Back Makomborero
Chokutanga, nhau dzakaipa: Mazuva ekupararira kwemari-kubhadhara kubhadhara makadhi emakadhi zvakanaka zvikuru shure kwedu.
Somugumisiro wematambudziko emari nemitemo mitsva inogadzirisa kuti mabhanji angakwanisi kutengesa kubhadhara kadi yekutengesa , mari haisati iripo.
Madhikadhi akawanda emakadhi anoramba achipa mari kumashure, asi ivo vashoma kudarika kupfuura kare. Mune zvimwe zviitiko, unogona kushandisa mubairo kuti uwane zvikwereti zvipo, izvo zvingava chinhu chinotevera chakanaka kuti uwane mari.
Tsvaga Bhengi ine Cashback Checking iyo iyo inopa imwechete muzana pamadhora akawanda ekutenga. Iwe unogona kuwana kusvika ku $ 360 pagore, uye hapana kune mimwe mitero yekubhadhara kana huwandu hwemari yekuenzanisa
Bhidhiyo yeIndaneti USA CashBack Checking account inopa mukana wekuwana mari inokwana $ 2,000 pamwedzi muchengeti yekuongorora iri paIndaneti. Asi iwe unofanirwa kuchengetedza mari inenge $ 1,500 munhoroondo yako, uye zvimwe kutengesa (sekutsvaga paIndaneti kana kutenga kubva kuzvitoro zvezvokudya) hazviwani mari yekudzorera mitezo. Mubairo wakakwana imwe yezana, uye iwe uchawana hafu yeiyo kana muyero wako uchiwira pasi pe $ 1,500.
Kurukura maitiro ako emari nemumiririri wevashandi kuitira kuti uone zvaungatarisira.
The Amex Serve kadhi ndiyo kadi yebhadharo yakabhadharwa inobhadharwa iyo ine sarudzo yemari yekudzorera mari. Iwe unogona kuwana imwe yezana pamitengo, asi mari-yakadzoka inouya inouya ne $ 5.95 mwedzi yemwedzi-saka iwe unoda kupedza zvakakwana kudzivisa mari.
Kuva kadhi yebhadharo yakabhadharwa, iyo chikamu chekodhi yekuongorora chenguva. Pane kudaro, iwe "unotakura" mari mukati mekadhi uye unoshandisa kubva pakero yako yakazara .
PayPal's Debit MasterCard BusinessCard inopa imwe peresenti mari zvakare kumasinya-based based purchases (usashandisa PIN yako pakutora ). Zvisinei, kadhi inowanika chete kune PayPal mabhizimisi emarenda . PayPal inopa makadhi akawanda kune mabhizimusi nevatengi, asi kadhi yako yebhandi haichawani mibayiro. Dzidza zvakawanda pamusoro pemakadhi akasiyana-siyana anowanikwa kubva kuPayPal .
Marikiti yemakadhi ndiyo yako yakanakisisa kubheji yekuwana mari zvakare. Asi makadhi iwayo angave akaoma kukodzera, uye ivo vanowanzokodhura. Kuti uwane mamwe madhidhi kadi pfungwa, verenga.
Points and Perks
Mazuva akanaka ekare ekuwana mari apera, nokuda kwechikamu chikuru. Debit card mapurogiramu mapurogiramu anowanzowa mune rimwe remapoka maviri:
- Points-based rewards
- Ukama (kana kuti hunobhadhara) hunopa mubayiro
Mibairo-yakagadzirirwa mibayiro inokubvumira kuunganidza "pfungwa" paunoshandisa kadi yako yebhadharo. Iwe unogona kuwana imwe yenhamba yedhora rega raunopedza, kana chirevo chacho chingave chisina kupa (zvakadai sedhimwe imwe yemadhora mashanu mashanu, somuenzaniso). Pfungwa hazvifananidzi nemari-saka haugoni kutarisira kushandisa imwe pfungwa yeiyo imwe yenharaunda inokosha.
Zvisinei, unogona kudzikinura pfungwa dzezvinhu zvaungazoshandisa mari, saka unowana mukana wekuchengeta mari.
Ukama huripo hunotipa humwe hutano nemamwe makambani. Semuenzaniso, purogiramu yako yemari yebhadharo yepurogiramu inogona kunge yakagadziriswa apo iwe unotenga pane zvekutsvaga uye mawebsite. Zvakare, iwe unoponesa mari, asi hauna sarudzo yakawanda pamusoro pekushandisa kwaunoshandisa mari yako kana iwe uchida kuwana mubairo. Izvozvo zvakati, kana iwe uchiziva kwaunoshandisa mari yakawanda (uye naizvozvo iwe paunowana kuwana mileage kubva kune zvikwereti), mapurogiramu aya emigumisiro anogona kukuchengetedza mari yakawanda.
Nheyo-Inobva Dhidhi Card Reward Programs
Mabheji akawanda anopa zvipo-based rewards, asi apa pane mashomanana kuti iwe utange:
Bhokisi reKiniti rinokubvumira kuti uwane mari kana iwe ukasaina kubhadhara pakadhi kadi kana kushandisa PIN yako.
Iwe unogonawo kuwana mapepa paunobhadhara zvikwereti paIndaneti uye kupedza zvimwe zvekutengesa nebhangi. Makomborero anosanganisira makadhi emakadhi, "mari kumashure," kufamba, kutengesa, uye kupa zvipo.
SunTrust Bank ine Delta SkyMiles World Debit Card iyo inokupa imwe "maire" ye dollar imwe yaunopedza (kana maira maviri pamadhora kana uri kutenga ndege zvakananga kubva kuDelta). Kusiyana nemamwe makadhi, SunTrust inokuita kuti uwane mazana kana iwe ukasaina zvekutengesa, kutengesa paIndaneti , kana kushandisa PIN yako. Iwe unobhadharawo maira maawa ekubhadhara zvikwereti paIndaneti Iwe unogona, zvechokwadi, kudzikinura makiromita nokuda kwekufamba paDelta Airlines.
UFB Direct inopa America Airlines maira. Zvisinei, iwe unongowana maira imwe chete pamatare matatu emari yaunoshandisa-uye zvimwe zvekutengeswa hazviverengi-saka iwe unoda kunzwisisa mari yako kusarudza kana iwe uchingowana mari yakawanda kubva kubhuku.
Ukama Mhuri
Panzvimbo yekuwana pfungwa dzaunoshandisa mune ramangwana, unogona kushandisa purogiramu yako yebhadharo yemari yebhadharo kuti uwane zvidhakwa uye zvinowanikwa pakarepo.
Mabhenji emunharaunda uye zvikwereti zvekwereti zvinowanzove nezvikomborero zvezvirongwa, saka iwe unogona kunge uine kare kuwana mubairo muakaunti yako. Kumbira mubhengi kuti ungowana sei zvidhadha paunotenga nekadhi yako yebhadharo.
Kroger's 1-2-3 Makomborero ekubhadharwa kwedhidhi makadhi inobatsira kuti uwane zvekutengesa zviripo uye gesi rinodhura paKroger zvese. Kana uchipedza paimba dzeKroger zvese, iwe unogona kuwana pane imwechete yezana, apo uchitenga kune imwe nzvimbo unenge uchitarisana nehafu iyo.
Chase's Disney Visa Debit Card inopa zvikwereti pazvinhu zvekutengesa uye kutarisa paDisney, pamwe chete nezvimwe zvishoma. Zvinogona kunge zvisina kukodzera kushandura mabhangi nekuda kwezvinhu izvi, asi kana iwe ukaenda kubhangi ne Chase chero (kana kuti uri muhedheni chaiye unotyisa), zvingave zvakakosha nguva yako.
Ukama huripo hunoda chikamu chakawedzerwa kupfuura mapepa-based rewards. Iyo inongobatsira chete kana iwe ukawana purogiramu yemabhadharo inonyatsokodzera kushandisa mari yako nehupenyu hwako. Usangotora bhangi kubva pane zvakananga kutaura nezve "mibayiro" -simbisa kuti iyo mibayiro inokubatsira iwe. Semuenzaniso, kana iwe ukashandisa zvakawanda pane gasi, tsvaga kadhi yebhadhiro ine mibayiro inokonzerwa negasi.
Chinyorwa Zvakanaka
Sezvaunogona kufungidzira, pane nguva dzose zviremera uye zvikanganiso zvinoita kuti zvikomborero zvive zvisingabatsiri. Iva nechokwadi chekuverenga zvakanyorwa zvakanaka kuti uone kana iwe uchawana zvaunotarisira. Nyatsocherechedza kuti unoshandisa sei kadhi yako uye ona nekuenzanisa nemitemo nemamiriro ekugadzirisa kwebhengi yako .
Heano zvimwe zviitiko zvinowanzoshandiswa:
Kubatanidza mapepa: Makomba anokurumidza kuwedzera sei? Iwe unogona kuwana imwe nhamba ye dollar yakapedza, kana inogona kutora madhiyoni mashanu kana matanhatu kuti awane chinangwa. Dzimwe nguva iwe uchawana zvakawanda nekushandisa mukati mezvikamu zvakasiyana (kutenga gesi kana zvokudya, somuenzaniso). Iye zvino, funga nezvekuti unoshandisa sei kadhi yako. Iwe uchazombogadzirisa zvikwereti zvakakwana kuti ubatsirwe here? Ko kuunganidza zvikamu zvinoshandura mararamiro ako nekushandisa nenzira inokuvadza mari yako here?
Kupedzirira: Tsvaga kana mibairo yako yapera. Shandisa iyo ruzivo, pamwe nekunzwisisa kwako kuti unounganidza sei pfungwa, kuti uone kana iwe kana ukasakwanise kuwana mubairo. Pfungwa dzinogona kupera mumakore mashomanana-apo paunenge wava kukwanisa kuwana chimwe chinhu chinokosha.
Caps pamusoro pehupi: Pane muganhu wehuwandu hwemashoko aunogona kuwana mune imwe nguva (pamwedzi kana gore, somuenzaniso). Iwe unogona kushandisa mari yakawanda mwedzi woga woga kana kuva nemari yakakura inouya, asi iwe unogona kusakwanisa kushandisa zvizere zvekuti kushandisa.
Maximum cash back: Kana ukawana "cash back" ona kana pane zvakawanda zvaungagamuchira. Izvi zvinogona kuva muganhu wegore roga roga kana roga roga, kuitira kuti iwe uchatora nguva yako yekutenga kana uri kusvika kumucheto. Kadhi ine miganhu iyi inogona kuita zvimwe (kwete-mari-kumashure) mibairo mapurogiramu anotarisa kuwedzerwa.
Mari: Makomborero emakadhi anowanzouya nemari (yebhadharo yemwedzi, mari yekushandisa mibairo yako, mari yekutenga, nezvimwe). Makomborero aunoona zviri pachena kuti anofanira kudarika mari.