E kiʻi paha i kahi kāleka kākika maikaʻi loa ma ka māke kūʻai,ʻaʻole naʻe i ka mea e pono ke kaliʻia mai ka hui kāleka kāleka i kapaʻia "Highest in Client Satisfaction" na JD Power a me nā Hoa.
ʻO ka Discover it Credit Creed Credit ka pahu i nā kāleka maʻamau āpau e pili ana i ka uku a me nā uku. ʻO ka hoʻihoʻi hoʻokahi wale nō,ʻo ia ka mea e pono ai kahi hōʻailona mālama.
Nā Hōʻai'ē ma kahi Kāleka Kākika Kākiʻia!
He mea paʻakikī no ka poʻe i loaʻaʻole ka hōʻai'ē maikaʻi no ka loaʻaʻana o kahi kāleka hōʻai'ē maikaʻi .
ʻO ka hapa nui o nā kāleka maʻamau no kēia lāhui ka pīhoihoi, e uku ana i nā uku kiʻekiʻe a me ka ukupanee no kēia mau mea kūʻai pilikia.
Loaʻa i ka Discover it Pay 2% waiwai ma nā kūʻai hale kūʻai a me nā mea kūʻai kala ma luna o $ 1,000 i kēlā me kēlā me kēia hapa (ʻoi aku o $ 20 no ka hapaha) a me 1% ma nā kūʻai'ē aʻe.
Loaʻa i nā mea hōʻai'ē hou ke kālā loaʻa i ka hopena o ka makahiki mua. ʻAʻohe pane kālā bonus i ka makahikiʻelua, akā, e loaʻa mau anaʻoe i nā uku i ka manawa maʻamau. Loaʻa ma ka makahikiʻeluaʻelua'ōwili a puni, e hoʻoikaikaʻoe i kāu heluʻai uku no kekahi meaʻoi aʻe, e like paha me ka Discover it , aʻoi aku i ka 5% ma nā hāʻina o ka hapakena.
ʻO kāu Keʻenaʻo kāu Limitē Limai
ʻO ka hapa nui o nā kāleka kālepa e hoʻoili i kahi palena palena kālā e pili ana i ka loaʻa a me nā kumu waiwai kālā. ʻO nā kāleka kākika i hoʻopaʻaʻia, ma kekahiʻaoʻao'ē aʻe, e pono i kahi hōʻailona mālama mālama no ka hōʻai'ē kū'ē i ka palena palena.
Me ka Discover it Credit Cash Secured,ʻo kāu mea mālama palekana kāu palena palena.
E uku i kahi kālā palekana no $ 200 no ka palena palena kālā he $ 200. Hiki iāʻoe ke hoʻopili i kahi $ 2,500.
Hoʻohana waleʻia ka waihona mālama mālama inā kāu paʻamau i kāu kāleka kāleka. Ināʻole, inā e hanaʻoe i kāu uku mahina i ka manawa ma kēlā me kēia mahina aʻaʻole hoʻokae, e loaʻa iāʻoe kāu waihona kālā i ka wā e hoʻopau aiʻoe i kāu moʻokāki a iʻole kāu kāleka hōʻailona i kahi kāleka kāleka unsecured.
Ma hope o hoʻokahi makahiki,ʻikeʻo Discover e nānā i kāu kāleka kāleka i kēlā me kēia mahina e hoʻoholo ai inā loaʻa iāʻoe kahi laina lainaʻole. E hoʻohana i kāu kāleka kāleka e kūpono ai no ka mea kūpono e hiki ai.
Ka uku
ʻAʻole he uku makahiki makahiki - he mea nuiʻole no kāleka kāleka i loaʻa.
ʻO ka APR mau kūʻai he 23.24%, he wahi kiʻekiʻe loa ia, akā ma luna o nā kāleka kāki'ē aʻe i hoʻopaʻaʻia a me nā kāleka kāleka no nā kānaka me ka hōʻai'ē maikaʻiʻole. Ināʻoe e uku i kāu kaulike i kēlā me kēia mahina - aʻoʻoe - e hiki iāʻoe ke hōʻole i ka ukuʻana i kāu kālā ma kāu kaulike.
ʻO ka Discover it Secure Card ke hāʻawi nei i kahi kaʻina haʻahaʻa haʻahaʻa no ka hoʻoiliʻana i ke kaupili: 10.99% no nā mahinaʻeono mua i nā hoʻololiʻana i hanaʻia e ka lā 10 o Mei, 2016. Ma hope o ka hoʻoiliʻana o nā palekana he 23.24% APR. Hoʻoliloʻia nā hoʻokuʻu paleni i ka uku hoʻolimalima kālā he 3%. No ka hoʻololiʻana i kahi kaulike, pono kāu waihona mālama mālama i mea nui e hiki ai ke kaulike a me ka uku. A laila, inā hiki iāʻoe ke hāʻawi i kēlā waihona mālama mālama nui, pono paha e uku i ka uku.
Kuhiʻia nā kuhi kālā ma kahi APR o 25.24% a he nui ka uku kālā i ka nui o $ 10 a 5%.
Nā Paʻa Late Paʻaʻana i nāʻuʻuku
E ho'āʻo mauʻoe e hana i kāu hōʻai'ē kāleka i ka manawa. Hanaʻia nā kuhihewa aʻaʻoleʻikeʻo Discover i ka uku hopena no kāu uku mua.
Ma ka pauʻana o nā hoʻoholo hopeʻana (a me nā uku hoʻihoʻiʻia) e ukuʻia i kahi $ 35 hōʻemi.
ʻAʻohe koi APR -ʻo ia hoʻi,ʻaʻole e piʻi aʻe kāu hapa pāʻani inā e hinaʻoe i hope ma kāu mau uku i nā lā he 60.
Loaʻa FICO
ʻIkeʻia kekahi o nā mea hoʻolaha kāleka liʻiliʻi e maʻalahi ke nānā i kāu helu'ai'ē. E loaʻa iāʻoe kekahi pūnaewele FICO free i kēlā me kēia mahina ma kāu hōʻike kālā kālā kāleka . ʻAʻoleʻoe e kau inoa no kekahi mea'ē aʻe a uku i ka uku makahiki. Eʻikeʻia ke keu.
ʻO kaʻoihana FICO free ka mea nui loa no ka poʻe hoʻohana e hana hou ana i kā lākou hōʻai'ē. I kou hanaʻana i kāu mau uku i ka manawa a me kāu lawelaweʻana i kāu kāleka kāleka kūpono, hiki iāʻoe keʻike pehea e hoʻonui ai kāu helu'ai'ē.
Nā Loaʻa Loaʻa Loaʻa
Hiki iāʻoe keʻike i nā mea iʻikeʻia e ka poʻe kelepona kālā e hiki keʻoliʻoli i nā waiwai'ē aʻe e like me ka 0%'ai'ē a me ka hoʻokuʻu iā ia, nā mea e hiki ai iāʻoe ke hoʻololi i kāu kāleka kāleka a iʻole eʻae aʻae paha i nā hana hou.
ʻO ka Discover it Credit Cash Credit maikaʻi loa ia no ka mea e kūkulu ana a kūkulu hou ana i kā lākou uku uku. Hiki iāʻoe ke noi no ke kāleka ma o Discover.com/securedcreditcard.