Nā koho no ka loaʻaʻana o kahi Kāleki Kāpena Ma muli o ka MōʻaukalaʻAiʻole
Pehea ka hewa ke hōʻailonaʻike āu?
Manaʻo pahaʻoe e loaʻa ana kāu hōʻai'ē maikaʻi no ka mea ua noi muaʻoe no kahi kāleka kāleʻa, hōʻai'ē, a iʻole ka lawelawe hana hoʻoili kālā a ua hōʻoleʻia.
Ināʻaʻoleʻoe i kēia manawa, e nānā i kāu helu'ai'ē eʻike i kahi āu e kū nei.
Hiki iāʻoe ke loaʻa i kahi hōʻai'ē maʻamau i ka leka uila ma hope o ka hōʻoleʻana i ka hōʻai'ē ināʻo kāu helu'ai'ē ke kumu i hōʻoleʻia aiʻoe. Ināʻole, hiki iāʻoe ke kūʻai i kāu kīpikipiki i loaʻa pololei mai FICO mai i kaʻuFICO.com a iʻole ma o kekahi o nāʻoihana hoʻokele ukuʻekolu. ʻO kekahi poʻe hoʻopuka kāleka kāleka, Discover a Capital One, e hāʻawi i nā haʻawina hōʻai'ē i kā lākou mau mea kālepa. Eia kekahi, hiki iāʻoe ke loaʻa nā hua'ōlelo piliʻole o kāu helu'ai'ē mai CreditKarma.com, CreditSesame.com, a iʻole Quizzle.
E mālama i nā pūnaewele e koi nei e hāʻawi i nā haʻawina hoʻolimalimaʻole e like me ke mele e kākau iāʻoe no ka mālamaʻana i ka lawelawe hoʻokele inoa. Ināʻoe e komo i kāu helu kāleka kāleka no ka loaʻaʻana o ka hōʻai'ē "free", he hōʻailona hōʻailonaʻoe e kākau neiʻoe ma ka palapala hoʻokolokolo a e ukuʻiaʻoe ināʻaʻoleʻoe e hōʻalo.
Kāleka Kāleka no nā poʻe me kahi kīnāʻole
Heʻuʻuku mau kelike liʻiliʻi e pili ana i nā poʻe i loaʻaʻole ka hōʻai'ē maikaʻi.
Hoʻoholo ka Capital One Classic Platinum i nā mea noi me nā helu hōʻai'ē ma lalo o 577 e like me CreditKarma.com. He 22.9% makahiki APR a loaʻa he $ 39 makahiki makahiki. Hiki iāʻoe ke hoʻolimalima i ka makahiki makahiki ke noiʻoe.
ʻO nā kāleka kāleka Bankʻo Orchard i mua he koho maikaʻi no nā kānaka me ka hōʻai'ē maikaʻiʻole.
Eia naʻe, ua hoʻopauʻia ka hui i hoʻopukaʻia nā kākiki Orchard Bank (HSBC) e Capital One i ka makahiki 2012 a ua hoʻopauʻia nā kāleka Kālā Orchard.
He kūlana maikaʻi kahi kūʻai hale kūʻai no ka'āponoʻana i nā mea noi i loaʻa ka hōʻai'ē maikaʻi. Loaʻa iāʻoe kahi maikaʻiʻoi aʻe e hōʻoiaʻia no kahi kāleka kāleka pili i hiki ke hoʻohanaʻia ma kēlā hale kūʻai ma mua o ka kāleka kāleka i mālamaʻia e Visa a iʻole MasterCard. Eʻikeʻoe e hele mai nā kāleka kāleka kūʻai liʻiliʻi me nā palena palena liʻiliʻi a me nā uku hoʻolālā kiʻekiʻe . ʻO ke ala maikaʻi loa e mālama ai i kahi kāleka e like me kēia no ka ukuʻana i kahi liʻiliʻi nui a e uku i kāu kaulike i piha i kēlā me kēia mahina.
E makemake ana e uku i kahi waihona
Nui nā mea noi e hoʻokuʻu i nā kāleka hōʻai'ē no ka mea e makemake ana nā kāleka i kahi waihona mālama mālama e hanaʻia e pili ana i ka palena palena. ʻO kahi kāleka kākoʻo i hōʻikeʻia i nāʻoihana nui nuiʻoi aku ka maikaʻi ma mua o ka loaʻaʻole o kaʻae kāleka. E hiki ke hoʻololiʻia nā kāleka hōʻailona i nā kāleka kāpaeʻole i hope o hoʻokahi makahiki o ka uku manawa.
Ināʻo ka waihona mālama mālama ia e mālama iāʻoe mai ka loaʻaʻana o kahi kāleka kākika, e hoʻomaka i $ 50 i loko o kahi waihona mālama kālā i kēlā me kēia mahina. I loko oʻeono mahina, loaʻa iāʻoe he $ 300 e hoʻokomo i kahi kāleka hōʻai'ē hōʻai'ē. Hiki ke hoʻohanaʻia kekahi o ke kālā no ka mālamaʻana i ka uku noi noi a hiki ke hoʻokuʻuʻia i ke koena o kā kāu kāleka kāleka .
ʻAe, e loaʻa iāʻoe kahi palena palena palena liʻiliʻi, akā heʻoiaʻiʻo ia i nā kāleka kīnāʻole i hōʻoleʻia no ka hōʻinoʻole.
ʻO ka Capital One Secured MasterCard eʻae i kahi hōʻaikaʻi mālama e like me $ 49 aiʻole $ 99 no kahi palena kālā hōʻai'ē $ 200 ma muli o kāu hōʻai'ē hōʻai'ē. Inā loaʻa iāʻoe ka hōʻai'ē maikaʻiʻole, ponoʻoe e uku i ka hōʻai'ē mālama kālā he $ 200 a pau, akā hiki iāʻoe ke piʻi pū me ia i loko o nā malamaʻehā ma ka mālamaʻana i $ 50 i ka mahina.
Eʻoluʻolu e hoʻokō i ka mōhai e hālāwai me ka pahuhopu e hoʻomaikaʻi ai i kāu hōʻai'ē. Inā lōʻihiʻoe e pili ana i kāu mau uku aʻaʻoleʻoe i kaupalena ma ka kaulike, e hoʻihoʻiʻia kāu waihona i kāu.
Mai Lokomaikaʻi ka manawa ma nā Kāleka Kālā no ka maikaʻi a maikaʻi paha
E hōʻole i ka noiʻana i nā kāleka kālā e pili ana i nā poʻe me nā helu kiʻekiʻe kiʻekiʻe, "eʻike pono" inā hiki iāʻoe keʻaeʻia. E hōʻoleʻia pahaʻoe a hiki i nā mea hou aku e hōʻino i kāu paneʻaiʻoi aku.
Hiki iāʻoe ke hōʻike i ke kāleka kāleka i ka mea i manaʻoʻia e kekahi me ka mahalo maikaʻi i nā pono e hoʻolakoʻia ana. Kāleka Kāleka me nā uku maikaʻi loa , nā APRs liʻiliʻi , a me nā uku hoʻolālā pāʻoihana e pili mau ana i nā mea kūʻai me ka uku maikaʻi. Hoʻopaʻa pinepineʻia nā mea noi me nā hōʻai'ē hōʻino .
Ka mea e makaʻala ai
E makaʻala i ka mea hōʻiliʻiliʻai , aiʻole nā kāleka kāpili maikaʻi, e mālama i nā uku kiʻekiʻe kiʻekiʻe e lawe i ka hapa nui o kāu palena palena. ʻOiaiʻo ka Federal law e hōʻemi i ka nui o nā uku i 25% o ka palena palena kālā , ua loaʻa i kahi mea hoʻopuka kāleka hōʻailona nui a puni ke kānāwai ma ka nānāʻana i kahi kālā $ 90 ma mua o ka hoʻopukaʻiaʻana o ke kāleka kāleka. Kāleka Kāleka i hoʻolahaʻia e Pelekikena Mua a me Credit One pēlā i hōʻailona o nā kāleka kāleka e noho ai.
Hoʻolakala pinepineʻia nā kākoʻo i kākoʻoʻia e like me ke koho no nā kānaka me ka hōʻai'ē maikaʻi, akāʻaʻole kēia mau kāleka kāleka. Kāleka nā kākoʻo i makemakeʻia e waiho i kahi waiho kālā ma mua o ka hiki iāʻoe ke hoʻohana ia mea e kūʻai ai. Akā, e like me nā kāleka kākika i hōʻoiaʻia, ua unuhiʻia kāu mau kāleka kāleka mua i kāu kaulike. ʻAʻole hoʻolale maikaʻi nā kākoʻo i kākoʻoʻia i kāu hōʻai'ē, no ka mea,ʻaʻole lākou e hōʻike i nā kumukūʻai uku nui . (ʻAʻole hiki iā lākou ke hōʻea mai i ka wāʻaʻole lākou he huahana kālā.)
ʻAʻole Loʻe ke Kāleka'Ai'ē Loa
Kāleka Kāleka no nā poʻe i loaʻaʻole ka hōʻai'ē hōʻinoʻole i nā'ōlelo kāleka kāleka maikaʻi loa. ʻO nā uku makahiki, nā uku pālākiʻi, nā palena palena haʻahaʻa, a i kekahi manawaʻoi aku ka maikaʻi o ka lawelaweʻana i nā mea lawelawe, akā no ka manawa pōkole wale nō. Mai noʻonoʻo i kēia kūlana kāleka loiloi piha e pono. ʻO kāu pahuhopu ka ukuʻana i kāu pālākeli ma ka manawa a hoʻomaikaʻi i kou hōʻai'ē i hiki iāʻoe ke kūpono i kahi mea maikaʻi, hiki ke hanaʻia i loko o 12 a 18 mau mahina inā e kuleanaʻoe i kāu kālā.