E hana i ke kūkuluʻana i kāu hōʻai'ē i ke ala palekana
ʻO nā kāleka kāleka i hōʻoia he koho nui loa no ka poʻe pilikia i ka hōʻoiaʻiaʻana no ke kāleka kāleka no ka hewa o nā hōʻai'ē mua a iʻole ka nele o ka moʻolelo kuhi. Ua maʻalahi ke kāleka hōʻai'ē e'āponoʻia no ka mea e hana anaʻoe i kahi waihona mālama mālama i "hoʻopaʻa" i ka palena palena. Inā lōʻihiʻoe i ka manawa me nā uku, e hoʻihoʻiʻia kāu waihona mālama mālama iāʻoe ke paniʻoe i kāu moʻokāki.
ʻO nā kāleka kākika iʻikeʻia he nui nā pōmaikaʻi no nā kāleka mai nā waihona waihona haʻahaʻa e uku ai a me ka hiki ke loaʻa ka palena palena kālā heʻelima. Ke koho neiʻoe i kahi kāleka kākika i hoʻopaʻaʻia, e mālama ponoʻoe i ka uku,ʻoiai ka uku makahiki makahiki mai ka hikiʻole keʻike. Ma ke kūpono, e uku anaʻoe i kāu palekana i mea e pale aku ai i nā uku pānaʻi akā e hele no ka uku paneʻe haʻahaʻa inā noʻonoʻoʻoe e pau ana kāu kaulike.
01 He mana maikaʻi loa: eʻike iā ia
ʻO ka Discover he Credit Creed Keʻaleʻa he hopenaʻo ia o ka kāleka kāleka ola e uku ana i nā uku. E loaʻa iāʻoe heʻelua pakeneka kālā ma nā haleʻai kai aiʻole nā'elemomi i kahi $ 1,000 ma nā kūʻaiʻai i kēlā me kēia meena. Ma luna o kēlā, e loaʻa iāʻoe kahi hapene kālā ma kāu mau kūʻai'ē aʻe. Ma keʻano he bonus, e hoʻokaʻawaleʻo Discover i nā kālā a pau āu e loaʻa ai i kāu makahiki mua.
Hiki iāʻoe ke hana i kahi hōʻaiā mālama kālā he $ 200 no ka weheʻana i kāu kāleka kāleka. (ʻO ka hūnā palekana he $ 2,500). A laila, e hoʻomaka ana i nā malamaʻewalu, e nānāʻo Discover i ka moʻolelo o kāu pūnaewele e hoʻoholo ai inā hiki iāʻoe ke loaʻa ka hoʻomaha o kāu waihona mālama mālama a mālama i kou palena palena.
Me ka Discover it Secured Cash Card e loaʻa iāʻoe ke ala āpau i kāu helu FICO ma kāu mau'ōlelo hoʻolālā pilikino, ma ka pūnaewele a me ka pūnaewele. Loaʻa iāʻoe ke hāʻawi i nā leka mālama ola Social free, e hoʻomaopopo iāʻoe inā loaʻa kāu helu mālama ola ma nā pūnaewele kūpono ma o ka pūnaewele.
Ka uku nui :ʻO ka APR he 24.24 pakeneka aʻaʻole he uku makahiki.
Ka Waihona Puke Laikini Loaʻa Loaʻa: Loaʻa i kahi kālā nui MasterCard
Me ka Capital One Secured MasterCard, hiki iāʻoe ke uku i kahi kālā palekana o $ 49, $ 99 aiʻole $ 200 no kahi waiho kālā mālama kālā $ 200. Kuhiʻia kāu waihona mālama mālama pono ma kāu kūlana hoʻokū'ē. Ma hope o kou'āponoʻia, e kohoʻiaʻoe e hana i kahi kālā mālama hou no ka palena palena kiʻekiʻe inā makemakeʻoe.
ʻO kāu pākuʻi manawa wāwae. Ma hope o ka hāʻawiʻana i kāu uku makahiki mua i ka malama, hiki iā Capital One ke nānā pono iāʻoe no ka hoʻonuiʻana i ka palena hoʻolālā, me kaʻoleʻoe e hana i kahi waihona palekana.
Me ka Capital One Secured MasterCard e loaʻa iāʻoe ke komo i nā huahana MasterCard'ē aʻe e like me ka palapala hoʻopili lōʻihi, hoʻokele kaʻa kaʻa kaʻa, ini pōpilikia hele, kōkua kōkua alanui 24-hola a me ka pale kālā.
Ka uku nui :ʻO ka APR he 24.99 pakeneka aʻaʻole he uku makahiki.
03 maikaʻiʻole kahiʻike kālā: hōʻai'ēʻo Sky Sky Credit
Ma muli o kaʻikeʻoleʻana o ka hōʻai'ē hōʻai'ēʻo Sky Open Secrecy, he maʻalahi ka'āponoʻana inā loaʻa iāʻoe nā mea piliʻole a me nā banekorupa e lilo i mea paʻakikī e hōʻoiaʻia no nā kāleka hōʻai'ē'ē aʻe.
Hiki iāʻoe ke hana i kahi hōʻaikaʻi mālama mai $ 200 a $ 3,000 no ka palena palena kālā o ka like hoʻokahi. Hiki i ka Sky Sky ke hāʻawi aku i nāʻano likeʻole no ka hanaʻana i kāu waihona mālama mālama, a ināʻaʻoleʻoe i kāleka helu. Hiki iāʻoe ke hoʻolilo i ka waihona ma ka palapala kālepa, ke kāleka uila i Capital Bank, Western Union, aiʻole ma ka hoʻounaʻana i kahi kānke a mea kauoha kālā paha.
Akā,ʻaʻohe Sky Sky i hāʻawi i ka hiki ke hoʻohuli i kāu kāleka i kahi kāleka kālekaʻole. Hoʻokaʻaʻike mai neiʻo ia i kāu moʻolelo pilikino i nā kumukūʻai ukuʻekolu. Ma hope o kou mālamaʻana i kāu moʻokūkiʻi no nā mahina he nui, hiki iāʻoe ke kūpono no kahi kāleka kāleka i hōʻoiaʻoleʻia me kekahi mea kūʻai kālā'ē aʻe.
Ka uku nui:ʻO ka APR he 18.64 pakeneka aʻo ka uku makahiki he $ 35.
04 Kūpono no ka Limitena Loaʻa Loaʻa: Wells Fargo KālekaʻIke Kālā
Inā makemakeʻoe i kahi kāleka kāleka i loaʻa me ka manawa kūpono no ka palena palena kiʻekiʻe,ʻo ka Wells Fargo Secure Credit Card kāu koho. Hiki iāʻoe ke waiho i kahi $ 10,000 no kahi palena palena kālā he $ 10,000. ʻO ka puʻu kālā palekana he $ 300.
Ma ka manawa lōʻihi, hiki iāʻoe ke kūpono e hoʻonui i kahi kāleka kāleka i hōʻoiaʻole ināʻoe e mālama pono i kāu pūnaewele. Ma ka liʻiliʻi,ʻo ia hoʻi, e hāʻawi ana i kāu uku mahina a pau ma ka manawa, ma kāu mau aie kālā,ʻaʻole wale i kāu Wells Fargo Secure Credit Card. ʻAʻole i hōʻikeʻo Wells Fargo i ka lōʻihi e lawe ai i kāuʻike kāleka kāleka.
Ke hāʻawi aku nei ke KeleponaʻIke Lekaʻo Wells Fargo iāʻoe i ke kōkuaʻana i nā pono'ē aʻe Visa e like me ka hoʻokuʻiʻana i ka hoʻokele hale kaʻa kaʻa kaʻa, nā lawelawe kōkua a me nā kōkua kōkua kūikawā a me ka pale o ka leka uila.
Ka uku nui :ʻO ka APR he 20.25 pakeneka ma ka kūʻaiʻana a me nā hoʻololi kauʻana aʻo ka uku makahiki he $ 25.
05 Paipai no nā Koa: Nā Moku'āinaʻo ka Moku'āinaʻo Nāvy Federal NRewards Secured Visa
ʻO ka Visa Mokuʻoiaʻiʻoʻo ka Nest Reward Secured Visa kekahi kāleka kāleka i loaʻa i ka uku kālā e uku ana i nā uku - hoʻokahi helu no kēlā me kēia kālā āu e lilo ai. Hiki iāʻoe ke ho'ōla i kāu mau helu no nā kāleka makana, nā waiwai, ka ukana waiwai a iʻole ka hōʻai'ēʻike.
E pau nā hopena i nā makahikiʻehā mai ka mahina o loaʻa iā lākou. ʻAʻohe palena ma ka helu o nā uku āu e loaʻa ai a hiki iāʻoe ke ho'ōla i hoʻokahi manawa ke loaʻa iāʻoe 1,000 mau helu (ʻo ia $ 1,000 ma ka hoʻolimalimaʻana).
Inā he lālāʻoe a he kāʻei paha o ka Armed Forced, he kanaka civilika DOD aʻohana paha o kekahi o kēia mau mea, hiki iāʻoe ke hui pū me ka Navy Federal Credit Union a noi aku no ka Visaʻo ka Nest Federal nRewards Secured Visa. Ponoʻoe e waiho i kahi waihona no $ 500 i loko o kahiʻike Pekelala Pekelala i loaʻa iāʻoe e hiki ke noi no ka Visa Pono Hoʻokele.
Palekana Nui:ʻO ka APR he 9.99 i 18 pakeneka ma muli o kāu hōʻai'ē uku aʻaʻohe uku makahiki, ka uku hoʻoili palekana a iʻole ka uku kālepa'ē.
06 No ka hoʻokōʻana: Ke Kāleka Visa Kāmika Loaʻa Kālā
Me ka Visa Card i kākoʻoʻia e ka'Āpanawai'Āina mua, ua uku ka hoʻopalekana maikaʻi. Hiki iāʻoe ke kūpono no ka hoʻonuiʻana i ka hōʻai'ē ma kahi mau mahinaʻehiku ināʻoe e uku i nā uku mahina a pau. A laila, hiki iāʻoe ke kūpono e loaʻa kāu waihona mālama pale i loko o ka liʻiliʻi ma 11 mau mahina. Eia hou, ponoʻoe e mālama i ka moʻolelo moʻomanaʻo maikaʻi e hoʻonui i kāu moʻokāki i kahi kāleka kāleka unsecured. Hiki iāʻoe ke wehe i kāu pūʻulu me kahi palekana ma waena o $ 300 a $ 5,000.
Ma keʻano he mea nāna e hoʻopuka nei i ke kuhi kālā a ka'Āina Pekelala, e loaʻa iāʻoe ka helu FICO free i kēlā me kēia mahina me kāu'ōlelo hoʻopiʻi kālā. Hōʻike aku kāu FICO iāʻoe i ka hōʻailona o kāu kūʻiʻo a me ka hōʻikeʻana iāʻoe i ka hoʻololiʻana o kāu helu'ai'ē i ka manawa.
Paʻi Kūlana Nui :ʻO ka APR he 18.99 pakeneka ma ka kūʻaiʻana a me ka hoʻoiliʻana i nā kauʻai aʻaʻole hoʻi he uku makahiki.
07 He mea maikaʻi no ka makemake o ka makemake: USAAʻo American Express
Ke noiʻoe no ka USAA Secured American Express, e wehe hoʻiʻoe i kahi palapala hōʻailona o ka waihona (CD) makahikiʻelua e hoʻopaʻa ana i kāu mea mālama mālama a uku aku i kahi pānaʻi kālā pāliki i kāu waihona. Hiki iāʻoe ke waiho aku mai $ 250 a hiki i $ 5,000 no ka hoʻopaʻaʻana i kāu palena palena. ʻO ka nui o ka hiki iāʻoe ke kau aku,ʻo ka nui o ka waiwai e hiki iāʻoe ke loaʻa. USAA e hōʻike i kāu moʻomeheu kāleka kāleka i nā kumukūʻai uku uku nui, e kōkua i kāu helu heluʻaihue i nā manawa a pau i kāu manawa.
Ponoʻoe e komo i ka lālā o USAA no ka USAA Secured American Express. Komoʻia ka lālā i nā pūʻali koa a me ko lākou mauʻohana.
Palekana Nui:ʻO ka APR 11.15 i ka 21.15 pakeneka,ʻaʻohe'āpono APR aʻo ka uku makahiki he $ 35.