Mukufuna kulandira mphotho za kirediti kadi? Mafunso 5 omwe muyenera kudzifunsa poyamba

Bambo akugwiritsa ntchito calculator ndi kompyuta pamene akugwira ntchito pa desiki yake
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Zolemba mkonzi: Nkhaniyi idawonekera koyamba pa The Penny Hoarder.

Olankhulira pa TV amakuuzani mwamsanga chifukwa chake khadi la ngongole limene amalipiritsa liri bwino kuposa ena onse.

Mfundo ziwiri! Palibe madeti akuda! Palibe malipiro apachaka!

Zimapangitsa kuti zikhale zosavuta kupeza mfundo ndikuwombola maulendo apaulendo aulere ndikukhala pamalo apamwamba kwambiri.

Koma palibe chakudya chamasana chaulere – ngakhale mutapeza mapointi.

Izi sizikutanthauza kuti palibe phindu kugwiritsa ntchito makhadi a ngongole. Mutha kupeza maulendo aulere ndi zinthu zina – koma muyenera kukhala anzeru kuti zikuthandizeni.

Musanalembetse khadi latsopanolo lomwe mumaliwona m’matsatsa, dzifunseni mafunso asanu awa kaye.

1. Kodi mudzalipiradi bilu yonse mwezi uliwonse?

Mayi wokhumudwa atanyamula kirediti kadi pa laputopu
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Ngati muli ndi ngongole ya kirediti kadi, siyani kuwerenga tsopano ndikulipira.

Dan Miller wa blog Travel Points with a Crew adati kuwongolera zachuma ndiye chinsinsi cha kupambana ndi mphotho zama kirediti kadi.

“Onetsetsani kuti muli ndi mwayi wolipira ngongole yonse mwezi uliwonse,” adatero. “Ngati simutero, chiwongola dzanja ndi zolipirira pamakhadiwa zidzadya mphotho iliyonse yomwe mungapeze.”

Ngati mumasinthasintha pakusunga bajeti yanu ndikukwaniritsa zolinga zanu zachuma, ndiye kuti ndinu woyenera kulandira mphotho ya kirediti kadi. Koma musalole kuti kudzidalira kwanu kukupusitseni.

Ngati mulandira malire angongole apamwamba kuposa momwe mumayembekezera pa kirediti kadi yatsopano yomwe mudafunsira, itayani. Osachitenga ngati kuitana kuti muwononge.

Scott Rick, pulofesa wa zamalonda pa yunivesite ya Michigan, anafotokoza kuti timachita bwino pokonzekera ndalama zamtsogolo kusiyana ndi kuyembekezera zomwe tidzawononge mtsogolo.

“Ndife abwino kunyalanyaza nkhani zoipa ndikuyang’ana zifukwa zochitira izo,” Rick adauza Penny Hoarder.

2. Kodi pangano la khadi la ngongole likunena chiyani kwenikweni?

Mayi wokondwa akugwira ntchito pamisonkho
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Onetsetsani kuti mwawerenga zonse za mgwirizano wa kirediti kadi musanalembetse. Ndikofunikira pazifukwa zazikulu ziwiri.

Choyamba, mukufuna kudziwa bwino mitengo ya chiwongola dzanja, chindapusa chapachaka, zolipirira mochedwa, masiku otha ntchito, zolipiritsa zakunja, ndi njira zina zogwiritsira ntchito.

Chachiwiri, mukufuna kuonetsetsa kuti phindu la khadi ndilofunika.

Mwachitsanzo, kugwiritsa ntchito khadi kuti mupeze mphotho za ndege kungakhale kutaya nthawi ngati simunathe kale kugwiritsa ntchito mfundo kapena mailosi pa ndege yomwe mumakonda.

3. Kodi kirediti kadi imapereka ndalama zobweza ndalama kapena mapointsi a mphotho?

Mwamuna akugwiritsa ntchito kirediti kadi pogula pa intaneti
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Makhadi ena a kingongole amapereka mphotho zobweza ndalama, pomwe ena amakupatsirani mapointi omwe mungathe kuwomboledwa pazinthu monga maulendo apandege ndi mahotela.

Makhadi obweza ndalama nthawi zambiri amakhala njira yabwinoko. Amasunga mfundo zawo bwino, amapereka kusinthasintha, ndipo mphotho zanu ndizosavuta kugwiritsa ntchito. Pamakhadi ena, mutha kukhazikitsa kusamutsa ku akaunti – ngakhale kirediti kadi – ndalama zina zikasonkhanitsidwa.

Palinso makhadi ambiri abwino obwezera ndalama omwe alibe malipiro apachaka, chomwe ndi chowonjezera chachikulu.

Kodi mapointi system amagwira ntchito bwanji?

Munthu amawerengera ndalama zake
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Ngati mwasankha khadi ya mphotho yomwe imasonkhanitsa mfundo pazogula, onetsetsani kuti mwamvetsetsa:

  • Mumapeza mapointsi angati pogula zinthu zina.
  • Mtengo wandalama wa mfundo iliyonse.
  • Zomwe mungawombolere mfundo zanu.

Kampani iliyonse yama kirediti kadi imagwiritsa ntchito njira zawo mosiyanasiyana, kotero kugula kwina kungakuthandizeni kuti mupeze mphotho mwachangu kuposa ena.

The Chase Sapphire Preferred Card, mwachitsanzo, imapereka mapointsi 5 pa dola iliyonse yomwe imagwiritsidwa ntchito paulendo wosungitsidwa mwachindunji kudzera pa portal ya Chase Ultimate Reward portal, pamodzi ndi ma point 3 pa $ 1 iliyonse pazakudya ndi ma point 2 pa $ 1 iliyonse pamayendedwe ena onse.

Pakadali pano, Citi Premier Card imapereka mapointi atatu pa dola iliyonse yomwe imagwiritsidwa ntchito kumalo odyera, masitolo akuluakulu, maulendo apandege ndi malo opangira mafuta, kuphatikiza mfundo imodzi pa $1 iliyonse pazogula zina zonse.

Mapulogalamu ambiri a kirediti kadi amakulolani kuti muwombole mfundo zawo mwachindunji kudzera pa intaneti.

Mapulogalamu ambiri amakulolani kuti mutumize mfundo zanu kwa anzanu ndikusinthanitsa nawo maulendo apandege kapena malo ogona kuhotelo, yomwe ndi njira ina yanzeru yopezera mfundo zanu zambiri.

4. Kodi pali malipiro apachaka?

Munthu wosokonezedwa ndi kirediti kadi
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Mphotho zina Makhadi a ngongole amafunikira chindapusa chapachaka kuti apeze mapindu awo.

Ndalama zapachaka zimayamba pafupifupi $50 ndipo zimatha kulumphira mpaka $600 kapena kupitilira apo pamakadi oyambira. Komabe, ndalama zenizeni zimasiyanasiyana, kutengera kampani ya kirediti kadi komanso kuchuluka kwa zopindulitsa ndi mphotho zoperekedwa.

Platinum Card yochokera ku American Express ndi imodzi mwa zodula kwambiri, zomwe zimalipira pachaka $695.

Koma wolemba makhadi a ngongole Beverly Harzog akunena kuti malipiro apachaka si onse oipa.

“Onetsetsani kuti mphotho zomwe mumapeza zidzaposa chindapusa,” adatero.

Makhadi ambiri amachotsa chindapusa chapachaka cha chaka choyamba, ndipo mutha kuyimba foni nthawi zonse kuti mufunse ngati angasiyenso kachiwiri.

Si makadi onse a mphotho omwe amalipira chaka chilichonse. Ngati mutangoyamba kumene, yang’anani kwambiri pazotsatsa izi pogula khadi latsopano.

Makhadi ena odziwika omwe amalandila ma kirediti kadi opanda malipiro apachaka ndi awa:

5. Kodi ndalama zomwe mumawononga ndizokwanira kuti mupeze bonasi yolembetsa?

mkazi akuwerengera lendi
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Mtengo weniweni wamakilomita ndi mapointi umachokera ku zolandilidwa zolandiridwa, zomwe zimakupezerani ndalama zambiri kuposa bonasi wamba 1% kapena 2%.

“Ngati mumagwiritsa ntchito nthawi zonse pa khadi lanu, zimakhala zovuta kupeza mfundo zokwanira kapena ma kilomita kuti muchite chilichonse,” adatero Miller. “Muyenera kukhala owononga ndalama zambiri kunja kwa ziwonetsero zotsegulira.”

Pano pali chinyengo chozungulira izi – osamira m’ngongole.

Gwiritsani ntchito mphotho yanu ya kirediti kadi kulipira pafupifupi chilichonse chomwe mumagula. Kenako lowani muakaunti yanu tsiku lililonse, kapena tsiku lina lililonse, ndikulipira ndalama zonse.

Izi zimathandiza kuti khadi lanu la ngongole likhale lochepa komanso losatha. Simungathenso kudzitama ndi zinthu zomwe simungathe kuzipirira. Kupatula apo, mudzayenera kulipira chilichonse chomwe mwagula m’masiku angapo otsatira.

Ngati nthawi zonse mumadziwa bwino za kirediti kadi yanu ndikulipira kangapo pa sabata, mutha kugwiritsabe ntchito mwayi wa mphotho zazikuluzikulu popanda kusonkhanitsa ngongole ndi chiwongola dzanja.

Musanalembetse kulandira mphotho ya kirediti kadi, yang’anani pa bajeti yanu ndikuwona kuchuluka komwe mumagwiritsa ntchito mwezi umodzi.

Ngati nthawi zambiri mumawononga $1,000 pamwezi pazowonongera zanu zonse, mutha kupeza bonasi yolembetsa yomwe imafuna kuti muwononge $1,000 m’miyezi itatu yoyambirira.

Koma ngati bonasi yolembetsa ikufuna kuti muwononge $5,000 m’miyezi itatu yoyambirira, chabwino, muyenera kugwiritsa ntchito khadi yosiyana yomwe imapereka bonasi yotheka kutheka.

Mabilu ena, monga zothandizira ndi kubweza lendi, nthawi zambiri amalipira chindapusa ngati mumalipira ndi kirediti kadi m’malo mongoyang’ana akaunti. Gwiritsani ntchito kirediti kadi yanu pazowonongera izi ndipo gwiritsani ntchito mphotho yanu ya kirediti kadi pachilichonse.

Kuwulura: Zomwe mumawerenga apa zimakhala ndi cholinga nthawi zonse. Komabe, nthawi zina timalandira chipukuta misozi mukadina maulalo mu Nkhani zathu.

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