Ke Kālā Hoʻokae Loa no nā Ui Paʻaka
Hoʻokaʻawale ka Palapala Hoʻopiʻi mai kaʻAmelikaʻAmelika i nā makana maikaʻi, me ka ukuʻole o nā uku hōʻai'ē aʻoiʻole.
ʻO ka papa inoaʻo AmEx
Ua hoʻokumuʻia ka Palapala Hōʻikeʻike mai kaʻAmelika Express a me nā kānaka e makemake nei e pale i nā uku o ka hōʻai'ē a me ka uku palenaʻole akā makemake lākou i nā uku. E like me ka nui o nā koho koho o ka American Express, ponoʻoe i kahi kūpono i ka hōʻai'ē maikaʻi (660+) e hiki ai ke koho.
Ke hāʻawi aku nei ka Clear Card i ka hapalua o ka hoihoi no nā mahinaʻeono a 12 i ka kūʻaiʻana, a laila, e kūʻaiʻia ka APR kūʻai, ma waena o ka 17.24 a me 21.24 pakeneka ma muli o kāu kūpaʻa.
Inā piliʻoe i ka uku uku kālā, e nānā anaʻoe i ka 27.24 pakeneka pāʻani APR.
Malia pahaʻo ka meaʻoi loa loa e pili ana i ka Palapala Hōʻikeʻaʻoleʻo ia e uku i nā uku kāleka kāleka :
- ʻAʻole uku makahiki
- ʻAʻohe pane hoʻololi pale
- ʻAʻohe kālā hoʻokele kālā
- ʻAʻohe uku uku
- ʻAʻole uku uku uku
Nā Pros a me ka Cons o ka Palapala Hōʻike
Nā mea pāʻani
- ʻAʻohe hopena a iʻole ka palena palena
- ʻAʻohe pale kālā a iʻole ka uku kālā
- Nā uku kūʻokoʻa, hiki ke kūʻaiʻia e like me kā American Card kālepa kūʻai. *
- Hoʻolālā hoʻomaluʻia i ka kūʻaiʻana
* e komo pū ana He 1 pakeneka kālā ma hope o nā kūʻai a pau
ʻAi
- Nā Paa Haʻawina Nui Makahiki (APRs).
Hōʻikeʻia ka Palapala mai ka hōʻike'AiwiʻAmelika
Ke koi neiʻo Citiʻo Simplicity Card e lilo i kāleka hōʻai'ē no ka hopohopoʻole no nā poʻe e pili ana i ka pili o nā uku a me nā uku palena. Akā,ʻoi aku ka kiʻekiʻe o ka Palapala Hōʻike maiʻAmelika Express. ʻAʻole wale ka nui o nāʻano likeʻole e like me Citi Simplicity, ukuʻia ka uku maikaʻi, nā hua - pono - nā uku.
E like me ka Simplicity,ʻaʻole he uku hoʻolālā a keu paha,ʻoiai he 27.24 pākēkeli ka uku o ka APR ināʻoe i hala me ka uku. Hoʻomaʻa maikaʻiʻo'Amex i nā haʻawina he nui me ka loaʻaʻole o ka hoʻoili kālā a me nā ukana kālā kālā,ʻoiai he kiʻekiʻe loa ka APR e'ōlelo e hana i kekahi o ia mau mea. Loaʻa he 0 pakeneka hoʻokomo i ka kūʻaiʻana, akā,ʻaʻole i ka hoʻoiliʻana i ke kaulike.
ʻO ka mea nui loa i waena o kēia kāleka a me Simplicity ka uku. ʻOiai loaʻaʻole kahi Simplicity, hoʻokaʻawale loa i ka uku kālā kālā he 1, a hoʻounaʻia iāʻoe i ka manawa ma keʻano o ka pepa kūʻai kūʻai American Express ma hope o kou loaʻaʻana he $ 25 ma nā uku a ma hope paha o $ 2,500 ma ka hoʻolimalimaʻana. ʻO kēia ka maʻalahi. ʻO ka nui o nā palapala'ē aʻe e koi ana iāʻoe e kūʻai i kāu uku i kāu uku, aiʻole, e neleʻoe iā lākou.
Hoʻomoeʻo AmEx i ka palapala hana no hoʻokahi makahiki hou aʻe ma nā kūʻai āu e hana ai me kēia kāleka.
Manaʻo
Hoʻohālikelikeʻia i ka Chip Simplicity Citi,ʻo kēia kālekaʻo ka punahele "mālie".
ʻO nā pānaʻi kāleka kāleka, nā hua'ōlelo, a me nā uku i hiki ke hoʻololi. E hōʻoia i ka pūnaewele pūnaewele kāleka no nā kāleka hōʻai'ē hou.