Iwe unogona kunge uchitarisa chikwereti chikwereti chikwereti chekwereti seimwe nzira yekuwana kadhi rechikwereti kubva kune rimwe guru rekukwereta kadhi rechikwereti. Usati waita kukwakuka, kunobatsira kuziviswa pamusoro pemusiyano uri pakati pekweretheni chikwereti makadhi makadhi nemakadhi emakwereti kubva kune guru rekukwereta kadhi rechikwereti .
Ko Credit Union Credit Cards yakasiyana sei?
Chikwereti kubvumirano kadhi rechikwereti rinokonzerwa nekweretheni yemubato. Mishandirapamwe dzekodhesi isangano risina maturo rinobvumira nhengo kubhadhara kubva kumapato edzimba dzepasitasi pamadhora ekuderera.
Mahodhi makuru ekadhi rechikwereti, kune rumwe rutivi, ndeyezvikwata zvekubatsira zvinofanirwa kuchengetedza vashandi vavo mupfungwa.
Kubhadhara mari yechikwereti yemakadhi kanowanzova nezvikwereti zviduku zvakaderera, mari shoma, uye inowanikwa kune vashandi kupfuura makadhi emakwereti kubva kune guru rekukwereta kadhi rechikwereti. Nhamba dzezvikwereti pane chikwereti mari yechikwereti ikozvino dzakapiwa pa18 muzana. Mutemo weBurumende unogadzirisa chikwereti chevanhu vakawanda mari yechikwereti chikwereti pa15 muzana, asi inobvumira National Credit Union Administration Board kusimudza muganhu kana zvichidikanwa kuchengetedzwa kwemasangano emarikiti.
Hakuchina muganhu wehurumende paanotora chikwereti chezvikwereti zvebhengi. Pane kudaro, nhamba yezvibereko inowanzobva mumusika uye kukwikwidzana, asi pane imwe nguva yakambove yakaoma kadhi kadikiti inopa chikwereti chechibereko che 79.9 muzana. Ichokwadi kuti kubhadhara mari yako yakazara mwedzi wega wega kunokubvumira kuti usabhadhara chikwereti kana uine chikwereti chinyorwa chikwereti chekwereti kana kadhi rechikwereti kubva kune guru rekukwereta kadhi rechikwereti.
Inokweretesa Kubhadhara Makadhi Makadhi Evanhu Vose Here?
Cherechedza kuti kunyange zvazvo kune zvimwe zvikwereti kubhadhara chikwereti chekwereti makadhi, pane zvimwewo zvishoma. Kutanga, vanhu vose havagoni kungoita chikwereti chekweretheni chikwereti chekwereti seyechiri chikwereti chikwereti chekwereti. Iwe unofanirwa kuva nhengo yekwerekoni kubatana uye nhengo ndeyega.
Iwe unowanzodikanwa kuva nehutano neboka rimwe kana mushandirwi kuti ubatane.
Nemhaka yekuti chikwereti chebato chairo pacharo isangano risina purogiramu hairi kupa makadhi emakwereti kune purofiti. Pane kudaro, nhengo dzechikwata chebvumirano hazvibatsiri kubva kune chikwereti chinyorwa chikwereti makadhi. Apo chikwereti chekubatana chinopa mari, iyo inokwanisa kugadzirisa mari uye inopa huwandu huri nani hwemari kumalungu.
Kvumo yemakadhi yemakadhi haisi kutongogadziriswa nokuti iwe uri nhengo yekwerekiti yemubatanidzwa. Chikwereti chekwereti chikwereti chicharamba chichiongorora chekwereti uye chiongororei mari yako kuti uone kana iwe unokodzera kutenga kadhi rechikwereti. Zvikwereti zvekwereti kazhinji zvinonyanya kukanganisika nhengo uye inogona kuva yakagadzirira kukupa mukana wechipiri kana chirongwa chako chekadhi rechikwereti chikarambidzwa. Izvi zvichinyanya kuoma kuti uite neko guru kadhi rechikwereti.
Zvese zvikwereti zvekwerekiti zvesangano zvakasungwa pamwechete, izvo zvinoreva kuti dzimwe nhoroondo dzingava dambudziko kune vamwe. Kana iwe uine kambani yekuongorora uye kadhi rechikwereti chekwereti rine imwechete chikwereti chekubatana, semuenzaniso, kutarisa kwekeri yako yekutarisa kungave pangozi kana iwe usina kukweretesa pamari yako yekubhadhara kadhi rechikwereti.
Kana zvisina kudaro, chikwereti chikwereti makadhi makadhi akafanana nemamwe makadhi emakadhi. Iwe unogona kuzvishandisa kuti utenge, kutengesa kutengesa, uye kuenderera mberi kwemari (kana kadi yako yakabhadhara inobvumira).
Iwe unofanirwa kuita zvishoma nezvishoma kubhadhara kwedzimwe mwedzi pamari yako kuti uchengetedze nhoroondo yako mukumira kwakanaka . Zvikwereti zvizhinji zvezvikwereti zvichapa nhoroondo yako yebhuku kumabhadharo emari, izvo zvinowedzera kukurudzira kuita zvikwereti zvako nenguva.
5 Best Best Union Credit Cards
Heano mamwe emhando yakanakisisa yekwerekiti yemakadhikiti makadhi pamusika ikozvino uye tsanangudzo pfupi yezvinodiwa kuti ubatanidze iyo chikwereti chekwereti.
Best Bonus Signup: Aspire Federal Credit Union Platinum Makomborero MasterCard
IA Aspire Federal Credit Union Platinum Makomborero MasterCard inopa kubhadhara mabhonasi ema 5,000 CURewards points mushure mekushandisa mari $ 2,000 mumwedzi mitatu yekutanga yekuita kadhi rechikwereti. Kuenzanisa kunoshandiswa, izvo zvinowana 0 muzana APR pamwedzi 6, kuverenga kumari inoshandiswa yekuwana bonus yokupindira.
Zvichienderera mberi, iwe uchawana 1 nhamba yedhora rose raunoshandisa pakadhi rako. Makomborero anogona kuregererwa kutengesa uye kutora zviduku.
Iwe unogona kubatana neAspire Federal Credit Union kana iwe wakakodzera nhengo yemhuri kana mushandirwi. Kana zvisina kudaro, unogona kubatana neAmerican Consumer Council kuti uve nhengo.
Best Cashback: USAA Cash Back Rewards Plus American Express
IU USAA Mitsva Yokubhadhara Zvimwewo America Express inopa 5 muzana cashback pamutengo we $ 3,000 wokutanga mumagetsi uye mune zvombo zvehondo zvekutenga gore negore; 2 muzana pane yekutanga $ 3,000 mukutengesa kwepasitendi gore negore; uye zvisingagumi 1 peresenti cashback pane zvimwe zvose. Iwe uchawana 1 muzana pane gasi uye kutenga zvekutengesa pamusoro pemuganhu wegore negore. Somunhu wemakadhi, iwe uchange uine dzimwe nzvimbo dzeAmerican zvinoshandiswa sechirongwa chakawedzerwa, kuparadzaniswa kwekupopotedzana kwekuvhara kwekuvhara, uye mhosva yekunyengedza zero.
Iwe unokodzera kubatana USAA kana iwe kana wako wako uri kushanda kana kuti wakasiya basa remasoja kana vabereki vako kana mudzimai wako inhengo yeU.SA.
Best for Gas and Grocers: PenFed Platinum Makomborero Visa Signature Card
PenFed Platinum Makomborero Visa Signature Card inopa $ 100 statement chikwereti kana iwe ukashandisa $ 1,500 mumazuva okutanga makumi 90 ekuwana kadhi rako rechikwereti. Zvichienderera mberi, iwe uchawana mari 5 ye dollar imwe yaunoshandisa pamagetsi kutenga; 3 inodarika dollar pane zvekutengesa; uye 1 nhamba pamadhora kune zvimwe zvose zvinotengwa. Iwewo uchanakidzwa ne 0% muzana wekutanga APR pachiyero chekuendeswa kwemwedzi 12 yekutanga.
Iwe unogona kubatana nePenFed credit union kana iwe uri wekushanda kana wekusiyira muuto weUnited Military uye Uniformed Service nhengo, kana hama kana imba yemumwe.
Zvakanakisisa kune Vashandi Vepamusoro: Vhidhiyo yeVisa yeSignature
Kadhi yeAlliant Visa Signature yakagadzirirwa avo vanopedza $ 50,000 kana kupfuura pachenda ravo rechikwereti. Hapana bhonasi yokupindira, asi iwe uchawana 3 muzana yemari shure kwekutenga kwako mugore rokutanga uye 2.5 muzana cashback gore negore mushure meizvozvo. Ngatiti iwe unopedza $ 50,000 mugore rokutanga (iyo inenge madhora 4,170 pamwedzi), iwe uchawana $ 1,500 mumari yemari yakadzorerwa mugore rokutanga uye $ 1,250 mugore rechipiri. Hapana muganho wemari yemari yakadzoka yaunogona kuwana. Iko kune $ 59 mari yegore negore inodzingwa mugore rokutanga.
Kuti ubatane, unofanira kunge uri mushandi wekushandira kana wekubvisa basa rebhizimisi kana sangano rakabatana neAlliant. Kana zvisina kudaro, iwe unogona kupa mhizha kuHoster Care kuti Ubudirire saka uve nhengo yeAlliant.
Haasi ose makadhi emakadhi anokonzerwa zvakaenzana, kunyange chikwereti chinyorwa chikadhi makadhi. Sezvo kune imwe imwe kadhi rechikwereti, unofanira kufungisisa nekuenzanisa usati washandisa.
Zvakanakisisa nokuda kwekubhadhara chikwereti: State State Federal Credit Union Savings Secured Visa Platinum Card
Kana uri kutsvaga nyore nyore kuwana kadhi rechikwereti rakachengetedzwa kuti ugadzirezve chikwereti chako, Savings Secured Visa Platinum Card kubva kuDhipatimendi reHurumende Federal Credit Union inosarudzo yakanaka. Chikwereti chako chechikwereti chakachengetedzwa nemari munhoroondo yako yekuchengetedza. Hapana mari yegore negore uye iwe uchawana mibairo pane zvaunotenga.
Kuti ubatane, iwe unofanira kuva mushandi weDhipatimendi reHurumende reUnited States kana unoshandiswa kana unobatana nesangano rinhengo, kana kuti unogona kubatana neAmerican Consumer Council kuti uve nhengo.