Ke hoʻomaka nei i ke kulanui? Loaʻa iā mākou nā kāleka maikaʻi loa iāʻoe.
Loaʻa i ka loaʻaʻana o kahi kāleka kāleka e like me ke haumāna i ka hilahila, akā no ka manawa mua loa. Nui nā koho e koho mai, ua paʻakikī eʻike i ka mea e nānā ai aʻo kekeka kāleka ka mea pololei. ʻO nā uku kāleka maikaʻi maikaʻi loa he uku makahiki aʻaʻole no ka makahiki, he uku kumukūʻai hoʻolālā, a me nā uku a me nā pilina paha e hiki ai i nā haumāna ke leʻaleʻa.
ʻO nā kāleka kāleka haumāna i kēia papa inoa o nā mea maikaʻi loa o nā mea maikaʻi. No lākou mai nā kāleka kāleka kāleka kaulana a hāʻawi aku i nā uku no ka kūʻaiʻana a me nā papa kūikawā no nā haumāna. ʻO kekahi kekahi e hāʻawi i kahi kūlana o ka pākēnahele he 0% kūpono, e hiki ke hāʻawi iāʻoe i ka manawa e hoʻohana ai i ka loaʻaʻana o kāleka kāleka me ka ukuʻole o ka uku.
Inā'āponoʻiaʻoe no kāleka kāleka āu e koho ai, e mālama ponoʻoe i kou pale kaulike a hoʻolilo i kāu mau mahina āpau i ka manawa. ʻO kēia mau kūlohelohe maikaʻi e kōkua i ke kūkuluʻana i kāu mōʻaukala hoʻokele a hāʻawi iāʻoe e hoʻolālā i nā mea e like me ke kaʻa, hale, a hale paha i ka wā e hiki mai ana. I kēia manawa, e nānā kākou i nā kāleka maikaʻi loa.
01'Oke piha loa: Eʻike iā ia no nā haumāna
No ka mea nui loa i ka loaʻaʻana o nā uku,ʻo ka Discover it for Cards credit card is the way to go. E loaʻa i ka hapalima o ka hapalua o ka hapalua o ka hapaha kālā ma ka hapahā a me hoʻokahi pakeneka hoʻi ma nā mea a pau. Ponoʻoe e kau inoa e loaʻa i ke kālā he 5 pakeneka kālā ma hope o ka helu kālā. Ma keʻano he bonus, eʻike likeʻo Discover, dollar-for-dollar,ʻo ka cashback a pau i loaʻa iāʻoe ma ka hopena o kāu makahiki mua.
Hiki iāʻoe ke loaʻa i $ 20 kālā uku kālā ma kēlā me kēia makahiki kula kāu 3.0 GC aʻoi aku paha. Hiki iāʻoe ke loaʻa ka bonus no nā makahikiʻelima e hiki mai ana.
Pane Nui :ʻAʻole he uku makahiki. E loaʻa iāʻoe he 0% hoʻokomo APR no nā mahinaʻeono. Ma hope o kēlā,ʻo ka APR o ia manawa he 13.99 i ka 22.99 pakeneka.
ʻO nā uku maikaʻi maikaʻi loa: Nā huakaʻi heleʻana o nā haumāna mai ka Capital One
Me ka huakaʻi heleʻana i ka hōʻai'ē kālā kālā mai ka Capital One mai, loaʻa i nā haumāna kekahi hapene kālā ma hope o nā kūʻai a pau. Hoʻolahalaha nuiʻo Capital One i ka hoʻoikaikaʻana i nāʻano kāleka kāleka maikaʻi: he uku hou no ka ukuʻana i ka manawa. Hiki iāʻoe ke hoʻonui i kāu kālā i ka 1.25 pakeneka o kēlā me kēia mahina e hanaʻoe i kāu uku i ka manawa.
ʻAʻole he palena i ka nui o ke kālā e loaʻa iāʻoe aʻaʻole e pau ka uku kālā.
ʻO ka hana kāleka maikaʻi maikaʻi eʻae iāʻoe e loaʻa kekahi uku hou: hiki i ka hoʻonuiʻana i ka palena hoʻonui. Ināʻoe e hoʻolimalima i kāu kau makahiki mua ma ka manawa, hiki iāʻoe ke hoʻonui i ka palena hoʻonui. I mea e maʻalahi ai e hāʻawi i ka uku manawa, hiki iāʻoe ke koho i kou lā pono'ī.
Pane Nui :ʻAʻole he uku makahiki a me nā uku kālepa'ē aʻe. ʻO ka APR mauʻia he 24.99 pakeneka.
03 maikaʻi no kaʻai 'ana a me nā Gas: Eʻike iā ia i Chrome no nā haumāna
Inā he haumānaʻoe e hoʻonui ana i ka nui ma kaʻai a me ke kinoea,ʻo ia kaʻike iā Chrome no nā haumāna. E loaʻa iāʻoe heʻelua pakeneka kālā ma nā haleʻai a me nā kikowaeaʻeleʻele a hiki i $ 1,000 ma ka hui pūʻana i kēlā me kēia hapaha a hoʻokahi pakeneka ma nā mea a pau. ʻAʻohe mea hōʻoia e pono ai.
E like me ka weheʻana iā ia no nā haumāna, hiki iāʻoe ke loaʻa $ 20 kālā ma kēlā me kēia makahiki kula i 3.0 aʻoi aku paha kāu GPA, no nā makahiki he 5 e hiki mai ana.
Pane Nui :ʻAʻole he uku makahiki. E loaʻa iāʻoe he zero pakeneka hōʻokoʻa APR no nā mahinaʻeono. Ma hope o kēlā,ʻo ka APR o ia manawa he 13.99 i ka 22.99 pakeneka.
04 Kikokikona Loaʻa Loaʻa Kālā Kāleka: Citi Akua i ke Akua i mahaloʻia no nā Haumāna Kula
Hāʻawi ka Citi mahalo iāʻoe i kahi maikaʻi maikaʻi. E loaʻa iāʻoe he 2,00 mauʻai waiwai ma hope o ka liloʻana i $ 50 ma ke kūʻaiʻana i nā mahinaʻekolu o ka weheʻana i ka helu. ʻO nā helu he 2,500 he $ 25 ia i nā kāleka makana, nā mea pono aʻoi aku ma thankyou.com.
Ke hele neiʻoe, loaʻa iāʻoe nā heluʻelua ma ke kālā no kaʻaiʻana a me kaʻaiʻana i waho a hoʻokahi helu ma ke kālā no nā mea kūʻai'ē aʻe a pau.
Pane Nui :ʻAʻole he uku makahiki. Eʻoluʻolu i ka piʻi haʻahaʻa o ka APR i kahi kūʻai noʻehiku mahina. ʻO ka APR maʻamau he 15.74 a 25.74 pakeneka, e hilinaʻi ana i kāu kūpaʻa.
05 No nā Haumāna'Āina: Pono e hoʻokau i ka papahana aʻo no nā haumāna
ʻO ka nui o nā kāleka kāleka e koi i kahi helu mālama ola. ʻO keʻano o ka hōʻoiaʻana o nā mea hoʻopuka kāleka hōʻoia i kaʻike a ka haumāna a nānā i kā lākou moʻolelo moʻomanaʻo. Hiki paha ke lilo i pilikia no ka mea nele i kahi helu mālama ola, e like me nā haumāna āpau.
Pono ka'Apono Edu MasterCard e uku i hoʻokahi pakeneka waiwaiʻole ma nā kūʻai a pau i hanaʻia ma ke kāleka kāleka. (ʻAʻole kēia i ka hoʻopiʻi kālā, nā palekana i hoʻoiliʻia mai kahi hōʻai'ē kāleka'ē aʻe a iʻole nā kūʻai kūʻai). Ponoʻo ia e uku no ka huiʻana o Amazon Prime Student, eʻae ana i nā mea kāleka e loaʻa i ke kelepona Video, Music, a me ka heluhelu. ʻO Amazon Prime Student ka huiʻana he $ 49.99 i kēlā me kēia makahiki.
Ma hope o ka'āponoʻiaʻana, Pono e hoʻomaka i ka hōʻikeʻana i kāu moʻolelo moʻolālā i nā bureaus credit,ʻo ia hoʻi, e kōkua ana kāu kāleka kāleka i kākoʻoʻia e kūkulu i ka heluʻai uku maikaʻi. ʻO ka hoʻohanaʻana i kāu kāleka e like me ke kuleana e hiki iāʻoe ke lilo i ka pono no ka Deserve Pro MaseterCard, ka uku uku uku kālā no ka hele a me ka hoʻokipa,ʻelua pakeneka hoʻi i nā haleʻai a hoʻokahi pakeneka hoʻi ma nā kūʻai'ē aʻe.
ʻO ka uku nui :ʻO ka APR mau he 19.99 pakeneka. ʻAʻole he uku makahiki.
ʻO 06 Hoʻokumu maikaʻi loa: Bank of America Nā makana no nā haumāna
ʻO ka uku hōʻai'ēʻo Bank of America no nā kāleka kāleka a nā haumāna e hāʻawi aku i nā mea bonus 20,000. No ka loaʻaʻana o ka bonus, ponoʻoe e lilo $ 1,000 ma ke kūʻaiʻana i nā 90 mau lā o ka weheʻana i kāu moʻokāki. Me kēia kāleka, hiki ke kūʻai liloʻia he 20,000 bonus no ka hōʻai'ēʻike kālā $ 200 e pili ana i nā kūʻai kūʻai i hanaʻia ma kāu kāleka kāleka.
Ke hele neiʻoe, loaʻa iāʻoe he 1.5 mau helu no kēlā me kēia kālā āu e hoʻolilo ai ma ka kūʻaiʻana. Eia pū, hiki iāʻoe ke loaʻa ka bonus 10 pasene i kāu uku inā loaʻa iāʻoe kahi waihona Pelekikenaʻo Bank o America. Hiki iāʻoe ke hoʻohana i ka ukuʻana i kāu uku ma ka hoʻolālā a me ka hōʻailona ma ka manawa.
Ma keʻano he kāleka hōʻai'ē Bank of America, e hiki iāʻoe ke hoʻokomo i kāuʻike FICO no ka mea kelepona ma o ka pūnaewele Mobile Banking a iʻole ke kākoʻo pūnaewele pūnaewele. E mālama ka'ōnaehana FICO iāʻoe i kahi e hoʻokomoʻia ai kāu hōʻai'ē.
Paʻi Kūlana Nui : Eʻoluʻolu i ka hapalua o kahi haawina hoʻokomo i ka kūʻaiʻana no nā kauka hoʻoili kālā 12 he 12. Ma hope o kēlā, he 15.99 mau APR no ka 23.99 pakeneka. ʻAʻole he uku makahiki aʻaʻohe pili kālā.
07 He mea nui no ke kalaʻana hale kūʻai: Liloʻo Capital One MasterCard
He mea maʻalahi ia no nā haumāna e hoʻokumu nei i kā lākou hōʻai'ē no ka manawa mua e loaʻa i kahi manawa paʻakikī e'āponoʻia no ka'aleke kāleka. ʻO kahi kahi kāleka kāleka i hiki ke hoʻohana.
Me kahi kāleka kākika i hoʻopaʻaʻia, ukuʻoe i kahi waihona palekana no ka hoʻopaʻaʻana i ka palena palena.
Me ka Capital One Secured MasterCard, loaʻa iāʻoe ka koho e uku i $ 49, $ 299, aiʻole $ 200 kāki kālā mālamaʻia ma muli o kāu kūpaʻa. Me ka palena palena palekana e pono ai, e loaʻa iāʻoe he palena kālā $ 200 i kāu kāleka e hoʻomaka ai. Inā makemakeʻoe i kahi palena palena nui, hiki iāʻoe ke waiho i ke kālā hou ma mua o ka weheʻana o kāuʻike.
Ke loaʻa koke kāu kāleka kāleka, hiki iāʻoe ke hoʻohana e like me kekahi kāleka kāleka'ē aʻe. Me ka Capital One Secured MasterCard, ua hiki iāʻoe ke hoʻonui i ka palena palena kālā i ka wā e hana aiʻoe i kāu mau kau makahiki lima ma mua o ka manawa. ʻAʻoleʻoe e hana i kekahi mau waihona palekana hou i kēia hoʻonuiʻana i ka hoʻonui.
Ma keʻano he mea kūʻaiʻo Capital One, hiki iāʻoe ke komo i CreditWise, kahi lawelawe hoʻomanaʻo no ka mālamaʻana iāʻoe e noho ma luna o kou moʻomanaʻo hōkele.
Pane Nui :ʻO ka APR he 24.99 pakeneka. ʻAʻole he uku makahiki.