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My Chase Sapphire Reserve inshuwaransi yoyenda sikugwira ntchito. 15,194 USD ili kuti?

Masiku awiri Jodi Lambert asananyamuke kupita ku Cuba, adalandira uthenga woyipa: Mwamuna wake adayezetsa kuti ali ndi kachilombo ka COVID. Ulendowu unali wovuta – ndipo $ 15194 idatsika.

Kapena munachita zimenezo?

Lambert adagwiritsa ntchito visa ya Chase Sapphire Reserve kuti alipire ulendo wake, ndipo khadi lake lidabwera ndi inshuwaransi yaulendo yokhala ndi golide. Atapereka chigamulo ndi Chase, woimirayo adamutsimikizira kuti adalipira mokwanira chifukwa cha kutaya kwake.

Kenako Chase Sapphire Reserve idapempha zolemba zina. Ndiyeno simudzamvanso kwa iye.

Tsopano Lambert akufuna kuti ndimuthandize kudziwa zomwe zidamuchitikira pa $15194. Pamene ankandiimbira foni n’kuti patatha miyezi isanu ndi iwiri chichokereni ulendo wake, ndipo ankafuna mayankho. Nditamva nkhani yake, inenso ndinamva.

Zomwe mwapeza zikuwunikira limodzi mwa magawo ovuta kwambiri amakampani oyendayenda: mphotho zama kirediti kadi. Kwa zaka zambiri, ndapewa nkhani zokhudzana ndi njira zolipirira zodziwika bwino chifukwa chazovuta komanso zovuta zamakhalidwe.

Koma zimenezi zinasintha posachedwapa. Bungwe lathu lomenyera ufulu wa anthu likuvomereza pulogalamu ya kukhulupirika ndikuperekanso zovuta.

Elliott Advocacy imatetezedwa ndi Flying Angels. Flying Angels imapereka zoyendera zachipatala kulikonse padziko lapansi pa ndege zamalonda ndi namwino woyendetsa ndege kapena dokotala. Wotsogolera ndege amayang’anira mayendedwe. Wothandizira amalandira chisamaliro panthawi yonse yoyendetsa – kuchokera pabedi kupita pabedi. Pitani ku FlyingAngels.com kapena imbani 877-265-1085 kuti mulankhule ndi wotsogolera ndege.

Minda ya Mfumukazi Yosowa

Lambert ndi mwamuna wake anali ndi ulendo kamodzi m’moyo snorkeling pa thabwa live mtsinje masika.

Ulendowu, woperekedwa ndi kampani yoyendera alendo yotchedwa Snorkeling Etc, idatengera osambira komanso oyenda panyanja kupita ku Queen’s Gardens (Jardines de la Reina) kugombe lakumwera kwa Cuba. Ndi amodzi mwa malo omaliza athanzi am’mphepete mwa nyanja ya Caribbean, okhala ndi malo apansi pamadzi komanso nsomba zambiri.

Ndakhala ndikuphunzira kusambira pansi pamadzi ku Florida Keys kwa zaka zambiri. Ndimakumbukira makochi achikulire akundiuza momwe matanthwewo amawonekera asanadetsedwe komanso kuseweretsa njuchi mopambanitsa kudayamwa mtundu ndi moyo mwa iwo. Iwo anali kufotokoza Jardines de la Reina.

Chifukwa chake mutha kulingalira kukhumudwa kwa Lambert pomwe mwamuna wake adayezetsa kuti ali ndi COVID. Dokotalayo anamuuza kuti asapite kunyumba, ndipo banjali silinachitire mwina koma kungosiya ulendo wawo.

Iye anati: “Ulendo wonse unali wosatheka kuchira.

Lambert adapereka madandaulo kwa Chase, akuyembekezera yankho mwachangu. Adalemba fomu yofunsira Khadi la Chase Sapphire Reserve atawerenga ndemanga za khadilo pamawebusayiti angapo oyenda. (Samayenera kukhulupirira mavoti. Ambiri “owunika” amalipidwa ndi ndalama zambiri zowatumizira ndipo alephera kukhala ndi zolinga.)

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Dzifunseni – dikirani nthawi yayitali

Lambert adapereka madandaulo kwa Chase ndikudikirira. Ankayendera kampaniyo nthaŵi ndi nthaŵi kuti awone ngati anali ndi zonse zofunika kuti atenge kampaniyo. Madandaulo a inshuwaransi ya maulendo a Chase amayendetsedwa ndi munthu wina.

“Ndidauzidwa ndi woimira Chase patatha miyezi itatu nditapereka chiwongola dzanja kuti chivomerezedwe, koma chiyenera kutsimikiziridwa,” akutero.

Mwa “kutsimikiziridwa,” woimirayo akutanthauza kuti wina wapamwamba ayenera kuyang’ana pazomwe zinali pamwamba pa $ 10,000. Koma zikanayenera kutenga milungu ingapo kwambiri.

Chase adamufunsa zolemba zina. Anathera maola ambiri akuimba foni, kuyesera kukwaniritsa zofunika. Koma Chase, kudzera ku kampani yawo yodzinenera, apitilizabe kubweretsa zatsopano kuti zomwe akufuna alipire. (Izi zikhoza kumveka ngati zachilendo kwa aliyense amene akusonkhanitsa mfundo.)

“Ndakhala maola ambiri pafoni komanso pa intaneti ndikulumikizana ndi dipatimenti yodandaula,” Lambert adandiuza. “Ndalankhula ndi anthu osachepera khumi ku Chase.”

Koma zonenazo zikupitilirabe, ndipo sanamvepo zaposachedwa kuchokera kwa aliyense ku Chase kapena ofisala wamapindu. Ndinaganiza kuti kampaniyo ikhoza kukhala mzimu wake.

Kodi mungandithandize kuvomereza zomwe ndikufuna kuti ndipereke $15,194?” Anafunsa.

Kodi maubwino a inshuwaransi ya maulendo a Chase Sapphire Reserve ndi ati?

Chase Sapphire Reserve ndi kirediti kadi yomwe ili yabwino kwambiri kuti isakhale yowona. Nawa mapindu a inshuwaransi yapaulendo omwe mumapeza:

Kuletsa kuwonongeka kwa ngozi yobwereka galimoto

Chase Sapphire Reserve ikupereka ndalama zokwana $75,000 pakuwonongeka kwakuba ndi kuwonongeka kwa magalimoto obwereketsa ku United States ndi kunja.

Katundu wochedwa inshuwalansi

Chase adzakubwezerani ndalama zogulira monga zimbudzi ndi zovala zochedwa katundu kwa maola opitilira sikisi ndi onyamula mpaka $ 100 patsiku kwa masiku asanu.

Kusamutsidwa mwadzidzidzi ndi mayendedwe

Mukadwala ndipo mukufunika kuthamangitsidwa, Chase adzapereka chithandizo chamankhwala ndi zoyendera mpaka $100,000.

Inshuwaransi yoletsa ulendo komanso kusokoneza

Ngati simungathe kupita paulendo wanu pazifukwa zophimbidwa, Chase akhoza kukubwezerani ndalama zokwana $10,000 pa munthu aliyense ndi $20,000 paulendo pa zolipiriratu zolipiriratu. Zimaphatikizapo matikiti a ndege, mahotela ndi maulendo.

Malipiro ochedwetsa ndege

Ngati ulendo wanu wachedwa kupitilira maola asanu ndi limodzi kapena umafunika kugona usiku wonse, mudzalipidwa ndalama zomwe simunalipire, monga chakudya ndi malo ogona, mpaka $500 pa tikiti iliyonse.

Zina mwa zovundikirazi ndizowolowa manja kuposa khadi wamba. Mwachitsanzo, khadi yanga ya Visa imapereka mwayi woletsa mpaka $2000. (Ndiyenso, palibe malipiro apachaka pa khadi langa. Ndalama zapachaka za Chase Sapphire Reserve ndi $550.)

Pansi: Chase Sapphire Reserve imayenera kuphimba kuchotsedwa kwa Lambert nthawi yomweyo.

Chifukwa chiyani zonena za Chase Sapphire Reserve zidatenga nthawi yayitali?

Zosankha za inshuwaransi yapaulendo zatsika kuyambira kumapeto kwa masika. Chifukwa: anthu ambiri akuyenda, zonena zambiri zikupangidwa. Koma palibe amene ankayembekezera zimenezo izi ndi zambiri.

M’chilimwe chino, kuyimitsidwa kwa ndege komanso kuchedwa kwachuluka kwachititsa kuti bizinesi ikhale yolimba. Ndikadati ndifotokozere bwino, ndinganene kuti anthu aku dipatimenti ya Chase Sapphire Reserve asesedwa ndi chigumula chambiri. Momwemonso Lambert.

Ichi si chowiringula. Chase adapanga $5 biliyoni kuchokera kugawo la kirediti kadi chaka chatha. Zambiri zimatumizidwa mumasekondi. Kupangitsa munthu ngati Lambert kudikirira miyezi isanu ndi iwiri kuti chigamulo chithe kuthetsedwa ndizosamveka.

Momwe mungalumikizire makasitomala a Chase Sapphire Reserve

Nambala yafoni yamakasitomala ya Chase Sapphire ndi (800) 935-9935. Monga makampani ambiri, Chase walandira chitsanzo cha “DIY” cha kasitomala, komwe mungafune kukhala ndi zolemba ndi makanema akutumizirani zolemba pamutu kuposa wina yemwe angakuthandizeni.

Pavuto lovuta ngati chiwongola dzanja cha inshuwaransi, gawo lodzithandizira pawebusayiti ya Chase ndilothandiza pang’ono. Timasindikiza mayina, manambala, ndi ma imelo a akuluakulu a Chase omwe ali ndi udindo wothandiza makasitomala. Ndikupangira kusunga zonse polemba – osati mafoni! – Mpaka mutakhala ndi pepala la chikhalidwe chanu.

Kumbukirani, ngati simungathe kupeza chithandizo kuchokera kumakasitomala a Chase Sapphire Reserve, lemberani. Tidzachita zonse zomwe tingathe kuti tithandizire.

‘Ubwino’ Wina wa Chase Sapphire Reserve: Maphunziro aulere pa kuleza mtima

Kodi mlandu wa Lambert sukukupangitsani kukayikira phindu la mphotho za kirediti kadi?

Akanagula inshuwaransi yoyambira paulendo, kubweza ngongole, ndi kulandira ndalama zake miyezi yapitayo.

Lambert akuti ndiwokhumudwa kuti khadi la Chase Sapphire Reserve lalandira ndemanga zabwino zambiri pa intaneti. Amayembekezera kuti zonena zake ziyenda mwachangu – osatenga miyezi isanu ndi iwiri. Simunayembekezere utsogoleri: lonjezo la kulipira, kutsatiridwa ndi miyezi yopempha kuti mudziwe zambiri ndiyeno kungokhala chete kwa wailesi.

Kwa iye, zimawoneka ngati khadi la Chase Sapphire Reserve Ine ndinali Zabwino kwambiri kukhala zoona.

Mwina ili ndi “phindu” losadziwika la khadi la Chase Sapphire Reserve: limakuphunzitsani kuleza mtima.

Kodi Muyenera Kupeza Chase Sapphire Reserve Kuti Mupeze Mapindu a Inshuwaransi Yoyenda?

Kodi ndikoyenera kupeza kirediti kadi yodula komanso mapointi opeza ngati Chase Sapphire Reserve? Nthawi zambiri, yankho limakhala ayi. Mutha kupeza zambiri zamakhadi omwewo kwaulere pokhala Smart Consumer. Makhadi ena sapereka chindapusa, koma inshuwaransi yotsika mtengo yotsika mtengo, inshuwaransi yagalimoto, kapena umembala wanu wa AAA ungaperekenso zabwino zomwezo kapena zabwinoko.

Pankhani yopeza ndalama, ndili ndi malingaliro otsutsana.

Ndikuganiza kuti makhadi a ngongole amatha kukhala osokoneza bongo komanso owopsa, ndipo ndikuganiza kuti masiku awo awerengedwa. M’malo mongoyang’ana kukulitsa mphambu yanu – makampani opanga kirediti kadi akufuna kuti musewere – ndikuganiza kuti ogula anzeru, odalirika ayenera kuyang’ana zinthu zapamwamba komanso zotsika mtengo. Ndikumva chisoni ndi makamu a eni khadi omwe akufunafuna kukwezedwa kwaposachedwa ndikuyesera kupeza njira yopezerapo mwayi. Uyu si wogula wodalirika.

Kwa Lambert, kuyankha funso, “Kodi ndiyenera kukhala ndi Chase Sapphire Reserve kuti ndipeze phindu la inshuwaransi yaulendo?” Zomveka. Ayi, mapindu oyenda pa Chase Sapphire Preserve sanapereke zomwe zidalonjezedwa. M’malo mwake, linali gulu la mbuye losafunidwa lokhudza kuleza mtima.

Chase adayenera kumudziwitsa za momwe adanenera. Ayenera kumufunsa zikalata ndi Kenako Ndinamuuza kuti zonenazo zavomerezedwa – osati mwanjira ina. Ndipo Chase samayenera kumusunga mumdima kwa miyezi isanu ndi iwiri. Iyi si mbiri ya chiwongola dzanja cha inshuwaransi yaulendo, koma ili pafupi.

Chase: “Pepani chifukwa chakuchedwa.”

Ndinalumikizana ndi Chase m’malo mwa Lambert. Kampaniyo idasiya chete, ikufika kwa Lambert patatha miyezi ingapo ndikupepesa chifukwa chakuchedwa. Kampaniyo idaunikanso mlandu wake ndipo idaganiza zoulemekeza.

Chase pamapeto pake adamutumizira cheke cha $15194.

“Ndinali wokonzeka kusiya,” akutero Lambert. Izi sizikanachitika popanda thandizo lanu. Ndinganene chiyani koma zikomo kwambiri!

Ayi zikomo Inu muli.

Makhadi angongole monga Chase Sapphire Reserve amalemekezedwa ndi anthu owuluka pafupipafupi. Maulamuliro onse olemba mabulogu amamangidwa pa chindapusa chotumizira cha Chase. Komabe, ngakhale kuti ndalama zonse zinali m’gulu la ndalama, khadi la ngongole silinathe kukwaniritsa zonena zosavuta nthaŵi yomweyo. Tsoka ilo, palibe amene angasunge Chase chifukwa cha kusasamala kwake.

tidzatero, pafupifupi palibe aliyense.

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