ʻO kēia mau kāleka'elekaʻeono e uku ana i nā uku kumukuai a me nā uku i nā poʻe me ka ukuʻole. Hiki iāʻoe ke aʻo maikaʻiʻia e loaʻa kahi kāleka kāleka i hōʻoia ,ʻo ia ka meaʻoi aku ke kūʻai aku, a iʻole ka kāka i kākaʻia mua inā makemakeʻoe i ka'ilika a kūkulu i kou mōʻaukala hoʻokeleʻaʻole he mea nui iāʻoe.
01ʻO ka First Bank Bank Gold MasterCard
I koʻuʻike muaʻana i nā hua'ōlelo ma kēia kāleka kāleka, ua manaʻo wau eʻike wau i nā mea. Akā,ʻoiaʻiʻo:ʻo ka 59.9 pakeneka APR a me kahi uku $ 75. E hoʻomaka ana i ka makahikiʻelua, aia he $ 75 makahiki makahiki, aʻo ka Pelekikena mua e koi iāʻoe i ka $ 6.25 ma ka mahina. A no kēia, loaʻa iāʻoe he palena palena $ 300.
Akā,ʻoi aʻe kaʻino. I kēlā manawa kēia manawa i'āponoʻia kāu pūnaewele no ka hoʻonuiʻana i ka palena kālā , e ukuʻiaʻoe i ke kālā e like me 25% o ka hoʻonuiʻana o ka hōʻai'ē, i hoʻonuiʻia i kāu kaulike. ʻO ka palena hoʻonuiʻo ka hōʻai'ē he $ 100, aʻaʻoleʻoe e āpono e loaʻa i hoʻokahi no ka liʻiliʻi he 13 mahina ma hope o kou weheʻana i kāu pūnaewele.
02 Centennial Gold MasterCard
Ua hoʻopukaʻia kēia kāpena e ke Kuhina Nui Nui a keʻano like me ka Premier Bank Gold GoldCard a me ka Aventium Gold MasterCard . Loaʻa iā 59.9% APR, $ 75 o ka hoʻoponopono hoʻonohonohoʻana, a me $ 75 ka makahiki makahiki e hoʻomaka ana i ka makahiki lua. Loaʻa iā ia nā palena palenaʻuʻuku. Ma lalo o kekahi inoa, he meaʻino.
03ʻOhanaʻAlaʻOia Loa
Ua hoʻopukaʻia kēia kāpena e ke Kuhina Nui Nui a keʻano like me ka Premier Bank Gold GoldCard a me ka Centennial Gold MasterCard. Loaʻa iā 59.9% APR, $ 75 o ka hoʻoponopono hoʻonohonohoʻana, a me $ 75 ka makahiki makahiki e hoʻomaka ana i ka makahiki lua. Loaʻa iā ia nā palena palenaʻuʻuku. He mea weliweli loa ia me nā mea āu i kapa ai.
04 Ke Kumukulawai Gold Visa Card
Ua hōʻikeʻia ka Visa Card i kākoʻoʻia i kā mākou kālekaʻoi loa. Heʻoi aku ke kumu kūʻai aku kēiaʻano kūʻai gulaʻoiʻole, akā, ua liʻiliʻi loaʻoe ma ka hoʻihoʻi.
ʻO ka palena palena palena kiʻekiʻe he $ 500 wale nō. No kēlā mea, ponoʻoe e uku i kahi kālā $ 125 makahiki, a laila e uku kokeʻia i kāu moʻokāki. E ho'ēmi ana i kāu palena aie i $ 375, a pēlā hoʻi ke hoʻomakaʻoe e loaʻa nā uku kālā i 30% mau ma mua o kou loaʻaʻana i ka pila mua .
ʻAʻole nō kekahi manawa aloha ma ka kūʻaiʻana, no laila,ʻaʻohe mahina e hikiʻole iāʻoe ke pakele i ka uku kālā ,ʻoiai ke ukuʻoe i kāu palapala i ka manawa. Ma hope o ka makahiki mua, hoʻololiʻia ka uku makahiki i ka uku mālama mālama he $ 15, aiʻole $ 180 makahiki. Eia hou, pili ke Bank Bank i kahi $ 100 uku hoʻonui .
Kālā Pekelala Visa Card ma ke Kumukana Pekelala
ʻAʻole i kapaʻia e ka'ake i kēlā, akā no nā hana a pau, he kope kākika kēia . No ka loaʻaʻana o ke kāleka, ponoʻoe e wehe i kahi pūnaewele waihona me ke kāleka o ka $ 300 (ʻoi aku $ 5,000); ʻO kāu palena kolepa ka nui o ka waihona me $ 300. I nā hua'ōlelo'ē aʻe,ʻo $ 300 wale nō ka palena o kāu palena aie.
ʻOiaiʻo kāu waihona kālā i hoʻopaʻaʻiaʻo FDIC ,ʻaʻole e uku ka'auke iāʻoe. Ināʻaʻole,ʻo kēia kāleka uaʻoi loa nā hua like e like me ka Appisa Bank Gold Visa Card keʻole ka APR kahi haʻahaʻa ma 23.99%, ma kahi o 29.99%.
06 KāpiliʻO kahi Kālāʻo Visa Platinum Bank
ʻAʻoleʻaneʻane e like kēia me kēia kelepona e like me nā kālekaʻelima'ē aʻe ma kēia papa inoa, akā, he mea kumukūʻai ia. Ma muli o ke kaʻina kālā i loaʻa iāʻoe -ʻo ia hoʻi ka $ 300 a hiki i ka $ 1,500 - e likeʻole kāu uku makahiki mai $ 75 a $ 99, hiki ke ukuʻia i nā uku o ka mahina e hoʻomaka i ka makahikiʻelua. Loaʻa nā uku kumukūʻai mai ka 23.9% i ka 26.9%, e hilinaʻi ana i kāu moʻolelo moʻomanaʻo.
E like me ke kāpena i hoʻohuiʻia, ke kīkē nei ka Credit One iāʻoe inā hāʻawiʻo ia iāʻoe i ka piʻiʻana o ka hōʻai'ē,ʻoiai e uku ana "wale nō" $ 49 me ka $ 100.
Eia hou, ua kālepa kēia kāleka i kahi uku he 8% no ka loaʻa kālā ma hope o ka makahiki mua,ʻo ia hoʻi heʻelua manawa o ka nui o nā kāleka'ē aʻe. Ponoʻoe e hoʻohana hou i kāu kāleka kāleka e loaʻa ai kahi kālā i mua , ma kahi nui paha.