How To Find The Best Credit Card For You

Momwe mungapezere kirediti kadi yabwino kwambiri kwa inu – Forbes Advisor Australia

Akagwiritsidwa ntchito moyenera, makhadi a ngongole angapereke njira yabwino yogulira zinthu zamtengo wapatali ndi kupeza mphotho, monga maulendo apaulendo apaulendo apaulendo. Ena amapereka inshuwalansi yaulendo yaulere. Makhadi a ngongole amathanso kutulutsa ziwongola dzanja zabwino zangongole ikapewedwa, zomwe zitha kukhala zothandiza ikafika nthawi yofunsira ngongole yogulira nyumba.

Ngakhale njira zina zangongole monga kugula pano ndikulipira pambuyo pake zikuyamba kutchuka, padakali makhadi angongole okwana 13.16 miliyoni ku Australia (omwe 19.69 miliyoni ndi eni ake. akuluakulu).

Chofunika kwambiri kukumbukira ndi chakuti khadi la ngongole kwenikweni ndi ngongole yomwe iyenera kubwezeredwa panthawi yake.

Zambiri kuchokera ku save.com.au zikuwonetsa kuti pofika Julayi 2022, panali Pafupifupi $ 17 biliyoni muzinthu Ku Australia adapeza chidwi. iye anali pamenepo Kuwonjezeka kwa $ 162 miliyoni kwa chiwongola dzanja chowonjezeka ngongole ya kirediti kadi m’miyezi iwiri yapitayi ya chaka chatha, zomwe zidapangitsa akatswiri kuchenjeza kuti anthu aku Australia atha kukhala ndi zizolowezi zoyipa zangongole m’mbuyomu, pokhala osamala panthawi ya mliri. Komabe, tikadali kutali ndi ngongole yomwe idapeza $27 biliyoni kumapeto kwa 2019.

Kulephera kulipira ngongole yonse yomwe muyenera kulipira mwezi uliwonse ndiko kulangidwa ndi kubweretsa chiwongola dzanja pa ndalamazo. Zingakhale zokopa kuona khadi la ngongole ngati dongosolo lotha kusintha kusiyana ndi momwe zilili panopa. Khadi la debit lingakhale njira yabwinoko ngati kulipira mwezi uliwonse sikuli koyenera

Ngongole mwachiwongola dzanja imatha kuchoka mwachangu kwambiri. Chiwongola dzanja pa kirediti kadi chikhoza kuwoneka chovuta ndipo zomwe zili pakhadi inayake sizingawonekere mwanzeru. Komabe, mukamvetsetsa zoyambira, zimamveka bwino.

Mitundu yosiyanasiyana yama kirediti kadi

Balance Transfer Credit Cards

Ndalama za kirediti kadi zimasamutsidwa mukasamutsa ndalama zomwe mwakhala nazo pa kirediti kadi imodzi kupita ku kirediti kadi ina, nthawi zambiri pa chiwongola dzanja chochepa kapena chiwongola dzanja cha 0% kwa nthawi yodziwika. Ngati ngongoleyo yalipidwa mkati mwa nthawi yotchulidwa (yomwe nthawi zambiri imakhala chaka chimodzi kapena ziwiri), ikhoza kusunga ndalama. Komabe, makhadi ena amabwereranso ku chiwongoladzanja chokwera kwambiri nthawi yopanda chiwongoladzanja ikatha, motero m’kupita kwanthawi imatha kukhala yopanda phindu – komanso yokwera mtengo.

Oyenda pafupipafupi ndi ma kirediti kadi opatsa mphotho

Khadi la kingongole lowuluka pafupipafupi litha kugwiritsidwa ntchito kupeza mapointi pakugula kwatsiku ndi tsiku, komanso zolembetsa zina. Nthawi zonse kugula kumapangidwa ndi kirediti kadi m’malo ena ogulitsa – masitolo otenga nawo gawo, malo opangira mafuta ndi ogulitsa pa intaneti – mfundo zimagwiritsidwa ntchito ku akaunti ya munthuyo.

Mfundozi zitha kuwomboledwa pazinthu monga kugula m’masitolo, maulendo apandege, kukweza ndege, komanso malo ogona. Makhadiwa amalumikizidwa ndi mapulogalamu okhulupilika oyendetsa ndege monga Qantas Frequent Flyer ndi Virgin’s Velocity Frequent Flyer.

Kirediti kadi osalipira pachaka

Makhadi ambiri a ngongole amapereka chaka choyamba popanda chiwongoladzanja, koma ena alibe malipiro apachaka. Makhadi osalipiritsa nthawi zambiri amapereka chindapusa chochepa potengera zowonjezera, monga kupita kumalo ochezera pabwalo la ndege ndi ngongole zapaulendo. Ngati kirediti kadi imagwiritsidwa ntchito pakagwa mwadzidzidzi, iyi ikhoza kukhala njira yabwino.

makadi osungira

Khadi la sitolo ndi zotsatira za mgwirizano pakati pa banki ndi wogulitsa kuti apereke mzere wa ngongole. Makhadi ena a sitolo angagwiritsidwe ntchito m’sitolo, pamene ena ali ngati makhadi a ngongole achikhalidwe ndipo angagwiritsidwe ntchito kulikonse. Sitoloyo ikuyenera kugulitsa malonda kwa eni makhadi. Chiwongoladzanja chimachuluka pa khadi monganso mitundu ina ya makhadi a ngongole, ndipo mwinamwake mudzakhala pamwamba.

Kodi ena mwa makadi a ngongole otchuka ndi ati?

Mabanki akuluakulu aku Australia amapereka makadi a ngongole osiyanasiyana kwa makasitomala ndi omwe simakasitomala: ANZ, Westpac, Commonwealth Bank ndi NAB.

Qantas ndi American Express ndi njira zodziwika bwino, pamodzi ndi Bankwest, Citibank, ndi Kogan.

Kodi chiwongola dzanja pa kirediti kadi chimagwira ntchito bwanji?

Palibe kukayika kuti chiwongola dzanja pamakhadi a ngongole chingakhale chokwera mtengo. Akuti ndalama zonse zotsala pa kirediti kadi ndi $2,887 ndipo ndalama zonse zomwe amapeza ndi $1,356. Nanga za chiwongola dzanja? Imamwetsa maso 16.88%.

Chiwongola dzanja cha khadi la ngongole chimapangidwa ndi zigawo zingapo: Annual Percentage Rate (APR), lomwe ndi liwu la chiwongola dzanja chodziwika, ndi Daily Rate: chiwongola dzanja chapachaka chogawidwa ndi masiku 365 pachaka.

Zimakhalanso ndi ndalama zotsalira tsiku lililonse, zomwe ndi ndalama zomwe zili muakaunti ya mweziwo, zochulukitsidwa ndi kuchuluka kwa masiku a mwezi womwe waperekedwa. Chiwongoladzanja cha kirediti kadi chimaperekedwa ngati ndalamazo sizinalipidwe zonse pofika tsiku loyenera mwezi uliwonse.

Malipiro a chiwongoladzanja cha mwezi uliwonse amakhala pamwamba pa ndalama zomwe zatsala, zomwe zingathe kuwonjezeka pakapita nthawi ngati ngongoleyo siinalipidwe mwamsanga. Chiwongoladzanja chimagwiritsidwa ntchito pazogula zilizonse zomwe zagula pamwezi.

Kuvomerezedwa: Momwe mungalembetsere kirediti kadi

Kufunsira kwa makhadi a ngongole pa intaneti kungatenge mphindi zosakwana khumi ndipo yankho limaperekedwa nthawi yomweyo. Obwereketsa adzawonetsa kuchuluka kwangongole, nambala yapakati pa 300 ndi 850 yomwe imayimira kubweza ngongole – ndiko kuti, njira yolipira ngongole pa nthawi yake. Ndalama ndi udindo wa ntchito zimaganiziridwanso.

Onetsetsani kuti muli ndi chidaliro kuti mutha kulipira khadi mwezi uliwonse musanaganize zofunsira.

Kodi makhadi a ngongole amafanana bwanji?

Pali zambiri zomwe muyenera kuziganizira posankha kirediti kadi. Chisankho choyenera chiyenera kuwonetsa momwe munthu amawonongera ndalama. M’munsimu muli mndandanda wa zinthu zofunika kuziganizira.

  • Mlingo wa “honeymoon” kapena chiwongola dzanja choyambira ndi chotsika kapena ziro mchaka choyamba kapena kuposerapo mutalandira kirediti kadi: nthawi zonse onetsetsani kuti mwawona mtengo wotsatira komanso ikayamba.
  • Mapulogalamu a mphotho amatha kuwoneka odabwitsa koma amathanso kukopa chindapusa, chifukwa chake ndizothandiza ngati zopindulitsa zitha kugwiritsidwa ntchito.
  • Mvetsetsani zolipiritsa zosiyanasiyana: zolipira zakunja, zolipiritsa pamwezi, zolipirira mochedwa, zolipiritsa zolipirira ndalama ndi zolipiritsa zopitilira malire angongole – kungotchulapo zochepa.
  • Mtengo wogulira (chiwongola dzanja), womwe ndi chiwongola dzanja chanthawi yayitali nthawi ya tchuthi ikatha.
  • Kodi pali chindapusa chapachaka komanso chindapusa pamwezi? Pakhoza kukhala zonse ziwiri.
  • Khadi likhoza kupereka inshuwaransi yaulendo yaulere. Izi zitha kutsegulidwa mukamathera gawo lina latchuthi lanu (maulendo apandege, mwachitsanzo) pakhadi.
  • Onani kutalika kwa nthawi yopanda chiwongola dzanja: Kodi padutse masiku angati mutagula musanapereke chiwongola dzanja?
  • Mlingo wosinthira ndalama nthawi zonse umakhala wofunikira ndipo m’munsi, ndi wabwino.
  • Kodi ndi bungwe lazachuma lomwe lili ndi makasitomala abwino?

Momwe mungasamalire ngongole yanu ya kirediti kadi

Palibe chifukwa chokwirira mutu wanu pamchenga pankhani ya ngongole ya kirediti kadi, ndipo mukakhala okonzeka bwino, mutha kuyendetsa bwino:

  • Lipirani ngongole zonse kuti musabwezere chiwongola dzanja.
  • Choyamba, tengani khadi lokhala ndi malire ochepa kuti mupewe mwayi wopeza ngongole zazikulu mwamsanga. Kanizani zomwe banki ikufuna kuti iwonjezere malire a ngongole.
  • Bwererani ku kirediti kadi ngati kulipira ngongole kuli vuto.
  • Contact Nambala Yothandizira Yobwezera Ngongole Yadziko Lonse Ngati zinthu sizikuyenda bwino: 1800 007 007
  • Ngati ngongoleyo ndi yaikulu koma ikhoza kuyendetsedwa pakapita nthawi, funsani banki kuti ikupatseni ndondomeko yolipira.

Kodi mukufunikiradi kirediti kadi?

Ndikofunikira kudzifunsa ngati muli ndi mwambo wowongolera khadi la ngongole.

Kugwiritsa ntchito kirediti kadi ngati chida chobwereketsa kumabweretsa mavuto azachuma omwe angakhudze kuchuluka kwanu kwangongole ndikuyambitsa zovuta. Kukhala ndi makhadi angapo kumatha kukulitsa vutolo ndipo mabanki angakane kukukongozani nthawi yogula nyumba ikakwana.

Ngati khadilo likuyendetsedwa bwino, lingakhale lothandiza patchuthi chosungitsatu chifukwa chikhoza kukopa kuchotsera. Kulipira maulendo apandege ndi kirediti kadi kumatha kulipidwa ndi mipando yokwezedwa, maulendo aulere am’tsogolo kapena inshuwaransi yaulendo yaulere.

Mapulogalamu a bonasi, mfundo, kuchotsera ndi mphotho zina: zonse ndizotheka ngati mugwiritsa ntchito bwino kirediti kadi (osati mwanjira ina).

Leave a Comment

Your email address will not be published.