Kodi mumalipira bwanji kirediti kadi? Kodi mukuyang'ana njira yabwino yobwezera ngongole yanu mwachangu? Mukufuna kutsitsa chiwongola dzanja chanu, kusungabe ngongole yanu yabwino, ndi kutuluka ngongole pang'ono?
Ngati ndi choncho, ndiroleni ndikufotokozereni chida chomwe chilipo ngati muli ndi ngongole ya $ 1,000 kapena kuposa pa kirediti kadi yanu. Ndizovomerezeka kwathunthu ndipo imagwiritsanso ntchito mapulogalamu omwe omwe adapereka okha makhadi omwe adapanga.
Umu ndi momwe mungalipire makhadi anu a ngongole kamodzi kokha, mwachangu kuposa momwe mumaganizira:
Gawo 1: Sungani ndalama zanu za kirediti kadi
Ngati muli ndi kirediti kadi ya $ 10,000 pa 15 peresenti kuchokera APR Mukulipira $ 1,500 pachaka pachisangalalo ! Ndalama izi zimapangitsa kuti zikhale zovuta kwambiri kubweza ngongole yanu. Mwachitsanzo, ngati mumalipira pamwezi $ 200 , Mungochepetsa malire anu ndi $ 50 mutapereka chiwongola dzanja!
Chifukwa chake, chinthu choyamba kuchita ndikusiya kugwiritsa ntchito ndalama pazandalama.
Chabwino, koma motani? Ndiosavuta:
Zopereka ndi zanu zoti mutenge
Makampani ama kirediti kadi amapikisana
Amalandira ndalama nthawi iliyonse mukamagwiritsa ntchito khadi yanu (ndipo, inde, komanso mukakhala ndi ndalama zambiri ndikuwalipira chiwongola dzanja). Mulimonse momwe zingakhalire, ngati muli ndi kirediti kadi ndi Bank A, Banki ikanakonda kukupatsani mwayi woti musinthe. Kutsatsa uku kumatha kukhala kowolowa manja ndipo kumaphatikizapo makhadi omwe ali ndi chidziwitso chotalika cha 0% APR yoyendetsa bwino.
Izi zikutanthauza kuti mumatsegula kirediti kadi yatsopano ndikupempha kuti musamire ndalama m'makhadi anu atsopano. . Banki yatsopanoyo imalipira ngongole zanu zakale ndipo mudzayamba kulipira pa khadi yatsopano. Kukongola kwa izi ndikuti khadi yatsopano Simulipiritsa chiwongola dzanja kwa chaka chimodzi kapena kupitilira apo (nthawi zina mpaka miyezi 21).
Ganizirani za $ 200 pamwezi pamalipiro a $ 10,000 kachiwiri. Pa 0% APR, $ 200 ipita kukalipira ndalama zotsalazo. Mwadzidzidzi, ngongole yomwe ikadatenga zaka khumi kuti iperekedwe imatha kulipidwa mzaka zingapo.
Mungasunge zochuluka motani?
Kodi mungasunge ndalama zingati posinthitsa ndalama? Mazana - mwinanso masauzande - achisangalalo! Ma calculator osavuta owerengera pa intaneti amatha kukuwonetsani pafupifupi ndalama zomwe mungasunge.
Zachidziwikire, ndalama zanu zenizeni zimadalira momwe mungalipire ndalama zanu mwachangu. Zomwe zimatitsogolera ku:
Gawo 2: Muziyesetsa kwambiri kulipira ngongole yanu pa 0%.
Ngati muli ndi kirediti kadi yayikulu, muyenera kugwiritsa ntchito dola iliyonse yomwe mwatsala kuti mulipire.
Izi ndizowona makamaka mukakhala ndi 0% APR kuti mugwiritse ntchito mwayi chifukwa dola iliyonse yomwe mumalipira imachepetsa ngongole, osati chiwongola dzanja.
Ena mwa makhadi akuluakulu osamutsira ngongole ndi APR
Kufunsira khadi yosamutsira ndikosavuta: Pezani khadi yabwino kwambiri kwa inu, lembani ntchito yofulumira ya mphindi 5, ndipo onani makalata kuti mumve zambiri za momwe mungalipire khadi yatsopano. Nawa ma kirediti kadi omwe amapereka ma APR oyambira pakusintha koyenera kuti muganizire.
Khadi la BankAmericard®
Ngakhale ndalama zolipirira zimatha kuchepetsa ndalama zomwe zingasungidwe kuchokera ku khadi loyambira la APR, nthawi zina mumasunga zochulukirapo polipira chindapusa chifukwa mumakhala ndi nthawi yochulukirapo yolipira ndalama malinga ndi View.
Bwino ngati: mukufuna mwayi woyambira.
Pitilizani kuyang'ana ngati: mukufuna khadi yomwe mungalandire mphotho mukamaliza kulipira.
Ngongole ikufunika: kuyambira chabwino mpaka chabwino. Mufunika zaka zosachepera zisanu za mbiri yangongole. Izi nthawi zambiri zimakhala zofanana ndi FICO 700 kapena kuposa.
Dziwani Kusamutsa kwa Balance
Mau Oyambirira Onani Malamulo a APR a miyezi 18 posamutsa ndalama. Pulogalamu yobwezera ndalama. Onani Migwirizano. Palibe chindapusa.
Kodi mukufunikira nthawi yochuluka momwe mungathere kuti muthe kugwiritsa ntchito mawu oyamba a APR? Ganizirani za Discover It® Balance Transfer, yomwe imapereka pulogalamu yoyambira ya APR. Onani momwe mungasinthire malire pamagwiridwe antchito. Pali See Terms, koma Discover imaperekanso pulogalamu ya mphotho ya ndalama. Bwezerani 5% ya ndalama pamagulu omwe amasintha kotala lililonse, mpaka $ 1,500 kotala iliyonse, mukayiyambitsa. Ndipo 1% imabweza ndalama pazogula zina zonse. Dziwani zofanana ndi ndalama zonse zomwe mumalandira mchaka chanu choyamba kwa omwe amakhala ndi makhadi atsopano.
Zomwe zikuchitika APR ikatha nthawi yoyamba ija ndi See Terms.
Bwino ngati: mukufuna APR yoyambira pa Balance Transfers and Cash Rewards.
Pitilizani kuyang'ana ngati: Mukufuna APR yoyambira yabwino pazogula zatsopano.
Ngongole ikufunika: Zabwino kwambiri. Osachepera zaka 5 za mbiri ya ngongole popanda kubweza mochedwa posachedwa kapena zolemba zina zoyipa. Izi nthawi zambiri zimakhala ngati mphambu ya FICO m'ma 700s kapena kupitilira apo.
Capital One® Quicksilver® Cash Rewards Card Khadi
Chiyambi cha 0% cha APR pazogula ndikusintha moyenera kwa miyezi 15, ndiye kuti nthawi zonse 15.49% - 25.49% (Zosintha) zidzagwira ntchito. 1.5% ndalama zabwino. Nthawi imodzi $ 150 bonasi ya ndalama. 3% ndalama zolipirira. Palibe chindapusa.
Kadi ya Capital One Quicksilver Cash Rewards ili ndi pulogalamu yolandila ndalama yomwe imakupatsirani ndalama 1.5% pazogula zanu zonse. Palinso bonasi ya ndalama zokwana $ 150 mukamawononga $ 500 m'miyezi itatu yoyambirira kuyambira kutsegula khadi, yomwe imalipira 3% yolipiritsa ngati mutasinthitsa ndalama.
Bwino ngati: mukufuna khadi kuti musinthe ndalama zochepa zomwe mutha kulipira miyezi ingapo, komanso mukufuna kugula ndi kupeza 1.5% yobweza.
Pitilizani kuyang'ana ngati: Cholinga chanu chokha ndikulipira ndalama zanu mwachangu komanso mwachuma momwe mungathere.
Ngongole ikufunika: kuyambira chabwino mpaka chabwino. Mufunika zaka zitatu kapena zisanu za mbiri ya ngongole. Izi nthawi zambiri zimafanana ndi kuchuluka kwa FICO muma 600s apamwamba kapena kupitilira apo.
Njira 7 zolipira ngongole yanu ya kirediti kadi mwachangu
1. Sankhani momwe mungaperekere ngongole zanu
Pokhapokha mutangokhala ndi ngongole pa khadi limodzi, muyenera kupanga njira. Lembani zotsala pa khadi lililonse ndi Peresenti Yake Yakale (APR). Kenako sankhani kuti mulipira chiti choyamba.
Njira ziwiri zofala kwambiri ndi kubweza ngongole ndi snowball. Zonsezi zimafuna kuti muzilipira ndalama zochepa pamakadi anu onse. Njira yobwerekera ngongole ikuwonetsa kuponya ndalama zowonjezera ku khadi ndi APR yayikulu kwambiri, pomwe njira ya snowball imati muyenera kuyamba ndi khadi yotsika kwambiri. Mukalipira khadi, sinthani kupita ndi amene ali ndi APR wapamwamba kwambiri kapena yotsika kwambiri.
Kuchuluka kwa njira yobwerekera ngongole kumakhala kwanzeru ngati mukuyesera kusunga ndalama zambiri, pomwe njira ya snowball ndiyothandiza ngati mukuvutikira kuti mukhalebe olimbikitsidwa ndikufuna kuwona umboni wakukula kwanu mwachangu.
2. Dulani bajeti yanu momwe mungathere
Unikani bajeti yanu pamwezi ndikupeza ndalama zomwe mumagwiritsa ntchito pazinthu zomwe simukufuna, monga kudya, malo ochitira masewera olimbitsa thupi omwe simugwiritsa ntchito, kapena kuchuluka kwa deta yam'manja. Chepetsani ndalama zonse zosafunikira ndikuyika ndalama zowonjezera pangongole yanu ya kirediti kadi. Muthabe kuwerengetsa ndalama zochepa zosangalatsa komanso zinthu zosafunikira mwezi uliwonse, koma ndalama zanu zochulukirapo ziyenera kupita ngongole zanu mpaka zitaperekedwa.
3. Gwiritsani ntchito mwayi wowonjezera ndalama zanu
Kupeza njira zowonjezera ndalama ndizotheka ngati simungathe kuchepetsa ndalama zambiri. Muthanso kuchita izi molumikizana ndi kuchepetsa ndalama zomwe mumagwiritsa ntchito kuti muthandize kubweza ngongole zanu mwachangu.
Ntchito yanu pakadali pano ingakupatseni mwayi wopeza ndalama zowonjezera, monga kugwira ntchito maola owonjezera kapena kukwezedwa pantchito. Muthanso kuyambitsanso mbali kapena kubwereka chipinda china kapena katundu ngati muli nacho.
Musaiwale za misonkho ngati mukuyamba bizinesi yanu. Kubweza misonkho kwanu chaka chatha kuyenera kukuwuzani kuchuluka komwe mungatumize pachaka chilichonse. Kapena mutha kudziyerekeza nokha pogwiritsa ntchito tsamba ili .
Yerekezerani makhadi abwino kwambiri osamutsira kuti mupeze mawonekedwe anu
Kodi mungakonde kuyerekezera zotsatsira zotsata makhadi? Tsopano mutha ndi makhadi abwino kwambiri a 2020. Pezani mgwirizano womwe ukuyenera, kuphatikiza 0% yoyambira yayitali APR ikuthandizani kuti mupewe chiwongola dzanja cha kirediti kadi, ndalama zolipirira pachaka komanso kutsatira kwaulere kwaulere.
4. Ikani ndalama mosayembekezereka pa ngongole yanu
Mabhonasi omalizira kumapeto kwa chaka, kubweza misonkho, komanso zina zomwe zingawathandize mphepo ziyenera kupita ku ngongole yanu pokhapokha mukafuna kuti azikulipirani zofunika pamoyo wanu. Koma simungangodalira njirayi.
Kulipira kwakukulu kamodzi kapena kawiri pachaka mwina sikokwanira kuthetsa ngongole zanu zonse, koma zitha kuthandiza. Pangani kubweza ngongole mu bajeti yanu ndipo gwiritsani ntchito ndalama zina zilizonse zomwe mumapeza ngati bonasi kuti muthandizire kulipira ngongole mwachangu.
5. Kambiranani za APR yanu ndi omwe amakupatsani ma kirediti kadi
Omwe amapereka ma kirediti kadi safunika kuti akusinthireni mawu, koma nthawi zina amatero mukafunsa mwaulemu, makamaka ngati mwakhala makasitomala odalirika komanso odalirika. Lumikizanani ndi omwe amakupatsani khadi ndikufunsani APR yotsika kuti muthe kulipira ngongole yanu mosavuta. Onetsani kukhulupirika kwanu ngati mwakhala ndi khadi kwakanthawi, ndikuwonetsani zomwe ena opikisana nawo amapereka ngati mwayi.
Mukhala ndi mwayi wopeza zofuna zanu ngati mungalumikizane ndi kampaniyo pafoni. Khalani aulemu, koma olimba mtima. Pewani kupanga zofuna kapena kukweza mawu. Izi mwina sizipangitsa kuti oimira makasitomala asangalale kukuthandizani.
6. Tumizani ndalama ku khadi lina la ngongole
Mutha kupita ku sitepe iyi kapena kuiganizira ngati amene amakupatsani ma kirediti kadi akukana kutsitsa APR yanu. Kusamutsa ngongole ku khadi yokhala ndi zoyambira 0% APR kumatha kuyimitsa kaye kukula kwanu, poganiza kuti simukutsitsa chilichonse chatsopano pa khadi panthawiyi. Izi zitha kupangitsa kuti kukhale kosavuta kulipira, koma ngati simungakwanitse kuchita nawo nthawi yoyambira, zotsala zilizonse zimayamba kupeza chiwongola dzanja cha APR ya khadiyo.
Muyeneranso kudziwa ndalama zolipirira. Adawerengedwa pamgwirizano wanu wamakhadi. Izi nthawi zambiri zimakhala gawo la ndalama zomwe mukusamutsa ndipo zimawonjezera ndalama zomwe muyenera kubweza. Onetsetsani kuti muli omasuka ndi izi musanapitilize kusinthitsa ndalama.
7. Pezani ngongole yanu
Ngongole zanu zimakhala zomveka ngati simukufuna kutsegula khadi lina la ngongole kapena ngati mukufuna kulipira mwezi uliwonse. Koma chifukwa ngongolezi sizitetezedwa, kutanthauza kuti palibe chikole, chiwongola dzanja cha ngongole zanu ndizokwera kuposa mitengo yomwe mungapeze ndi mitundu ina ya ngongole. Koma mukangopeza ngongole yaumwini, simuyenera kuda nkhawa zakukula kwanu.
Mutha kugwiritsa ntchito imodzi kapena kuphatikiza njira izi kuti mulipire ngongole yanu ya kirediti kadi. Mudzalipira ngongole yanu mwachangu ngati mutagwiritsa ntchito ina, momwe mungasinthire ndalama zotsalira, kuchepetsa ndalama zomwe mumagwiritsa ntchito ndikuwonjezera ndalama zanu limodzi. Koma zili ndi inu kusankha malangizo omwe angakuthandizeni kwambiri.
Chodzikanira: Iyi ndi nkhani yodziwitsa.
Redargentina sapereka upangiri walamulo kapena walamulo, komanso sanapangidwe kuti azitengedwa ngati upangiri wazamalamulo.
Wowonera / wogwiritsa ntchito tsambali akuyenera kugwiritsa ntchito zomwe zili pamwambazi pokhapokha ngati chitsogozo, ndipo ayenera kulumikizana ndi omwe ali pamwambapa kapena oimira boma kuti awadziwe zambiri za nthawiyo, asanapange chisankho.
Zamkatimu
- Gawo 1: Sungani ndalama zanu za kirediti kadi
- Makampani ama kirediti kadi amapikisana
- Mungasunge zochuluka motani?
- Gawo 2: Muziyesetsa kwambiri kulipira ngongole yanu pa 0%.
- Ena mwa makhadi akuluakulu osamutsira ngongole ndi APR
- Khadi la BankAmericard®
- Dziwani Kusamutsa kwa Balance
- Capital One® Quicksilver® Cash Rewards Card Khadi
- Njira 7 zolipira ngongole yanu ya kirediti kadi mwachangu
- 1. Sankhani momwe mungaperekere ngongole zanu
- 2. Dulani bajeti yanu momwe mungathere
- 3. Gwiritsani ntchito mwayi wowonjezera ndalama zanu
- Yerekezerani makhadi abwino kwambiri osamutsira kuti mupeze mawonekedwe anu
- 4. Ikani ndalama mosayembekezereka pa ngongole yanu
- 5. Kambiranani za APR yanu ndi omwe amakupatsani ma kirediti kadi
- 6. Tumizani ndalama ku khadi lina la ngongole
- 7. Pezani ngongole yanu
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