Hiki paha iāʻoe ke noʻonoʻo i kahi kāleka kāleka kālepa e like me ka hoʻokaʻawaleʻana i kahi kāleka kāleka mai kekahi o nā mea hoʻolaha kāleka nui. Ma mua o kou hoʻolōlāʻana, hiki ke hoʻomaopopoʻia e pili ana i ka hoʻokaʻawaleʻana ma waena o nā kāleka kāleka kāleka a me nā kāleka mai nā kāpena palapala kāleka nui .
Pehea eʻikeʻia ai nā Kāleka Kālā Pālākiʻi?
Hāʻawiʻia kahi kāleka kāleka hōʻai'ē e kekahi loea. ʻO nā uniona hōʻoia he mau polokalamu kōkuaʻole e hiki ai i nā lālā e noi mai i nā hale kūkā ma nā liʻiliʻi liʻiliʻi.
ʻO ka mea nui e hoʻolaha ana i ka palapala kelike, ma kaʻaoʻao'ē aʻe, no nā kumukūʻai waiwai e mālama mau i kā lākou poʻe mea waiwai.
ʻO ka loaʻaʻana o nā kumukūʻai hōʻai'ē kāleka i ka nui o ka huina kālā , nā ukali liʻiliʻi, a uaʻoi aku kaʻoi aku o kaʻoluʻoluʻoihana ma mua o nā kāleka kāleka mai nā mea hoʻopuka kāleka nui. Loaʻaʻia nā kumukūʻai no nā loans laikini i 18 pakeneka. Hoʻopau ke kānāwai Pekelala i ka uku uku no ka hapanui o nā loina loina ma ka 15 pakeneka, akā hiki i ka National Credit Union Administration Board ke hoʻolālā i ka palena inā pono ia no ka palekanaʻana o nāʻaha kālā.
ʻAʻole he palena āpau e pili ana i ka uku panewī no nā loina kāleka. Ma ka hakahaka, ua hoʻonohonohoʻia nā uku pānaʻi ma ka mākeke a me ka hoʻokūkū, akā ua loaʻa mua he mea kālepa kāleka kāleka i loaʻa i 79.9 pakeneka. ʻOiaʻiʻo,ʻo ka ukuʻana i kāu kaulike i kēlā me kēia mahina eʻae iāʻoe e pale i ka ukuʻana inā loaʻa iāʻoe kahi kāleka hōʻai'ē kāleka a iʻole he kāleka kāleka mai kahi mea hoʻopuka kālā kāleka nui.
Aia nā Palapala Kālā Kālā Kālāʻo Credit Credit no nā mea a pau?
E hoʻomaopopo i ka wā e loaʻa ana kekahi mau pono i nā kāleka kāleka'ai'ē, aia kekahi mau haʻahaʻa. ʻO ka mea mua,ʻaʻole hiki i ka lehulehu ke noi wale no kahi kāleka kāleka kāleka me kahi kāleka kāleka'ai'ēʻole. Ponoʻoe e lilo i lālā o kaʻaha'elepuni aʻo ka hui waleʻia wale nō.
Ponoʻoe e hui pū me kahi hui a hana paha e hui pū.
No ka mea, heʻaha kālāʻole kaʻeha kālāʻiaʻaʻole ia e hāʻawi i ka palapala hōʻai'ē no ka uku. Ma ka hopena, loaʻa maikaʻi nā lālā o kaʻaha'elepuni i nā kāleka kāleka'ai'ē. Ke hoʻolilo kaʻaha kālā i ke kālā, hiki iā ia ke ho'ēmi i ka uku a hāʻawi i nā uku hoihoi i nā lālā.
ʻAʻole i'āpono waleʻia ka hōʻailona kālā kāleka no ka mea he lālāʻoe o kaʻaha kālā. E hana ana ka mea hoʻopuka kāleka hōʻai'ē i kahi hōʻai'ē kālā a nānā i kāu kālā eʻike ai inā loaʻa iāʻoe ke kāleka kāleka. ʻO nāʻaha kālā iʻoi aku ka lōʻihi me nā lālā a hiki paha iā lākou ke hāʻawi hou iāʻoe i ka lua o ka loaʻa ināʻaeʻia kāu noi kāleka kāleka. He pilikia loa kēia e hana aku me kahi mea hoʻopuka kāleka hōʻai'ē nui.
Kuhi pūʻia kāu mau pilikina hōʻai'ē, kahi e lilo ai kekahi mau kālā i mea pale no nā poʻe'ē aʻe. Inā loaʻa iāʻoe kahi pūʻulu kāleka a me kahi hōʻaika kāleka kāleka me kahiʻaha'elepuni hoʻokahi, no ka laʻana, hiki ke loaʻa ka pale kau kālā mālama inā loaʻaʻole kāu uku kāleka hōʻai'ē.
Ināʻole, nā kāleka kāleka kāleka like me nā kāleka kāleka'ē aʻe. Hiki iāʻoe ke hoʻohana i ia mau mea no ke kūʻaiʻana, nā hoʻololi kūpono, a me ke kūpono kālā (inā hāʻawiʻia ka mea hoʻopuka kāleka).
Ponoʻoe e hana ma ka liʻiliʻi o ka uku palena kālā ma kāu kaulike e mālama i kāu moʻokūkika i ke kū kūpono . ʻO ka hapa nui o nāʻele kālā e hōʻike i kāu moʻaukala pūnaewele i nā bureaus credit, a he mea hoʻonāukiuki hoʻi no ka hanaʻana i kāu uku i ka manawa.
5 Ka Laikini Kāleka'Ai'ē Loa Loa
Eia kekahi o nā kāleka kāleka maikaʻi loa ma ka mākaʻikaʻi i kēia manawa a me kahi hōʻike pokole o nā mea e pono ai e hui pū aku me ia'ahaina.
ʻO ka makana maikaʻi loa: Aspire Federal Credit Union Platinum Rewards MasterCard
Ke hāʻawi aku nei ka Aspire Federal Credit Union Platinum Rewards MasterCard i ka bonus hōʻailona o 5,000 helu CURewards ma hope o kou liloʻana i $ 2,000 i nā mahina muaʻekolu i loaʻa ai kāu kāleka kāleka. ʻO nā hoʻoili kaulike, i loaʻa ka 0 hekene APR no nā mahinaʻeono, e helu i nā koi hoʻolimalima no ka loaʻaʻana o ka bonus hōʻailona.
Ke hele neiʻoe, loaʻa iāʻoe kahi helu hoʻokahi no kēlā me kēia kālā āu e hoʻohana ai ma kāu kāleka. Hiki ke ukuʻia nā uku no nā kūʻai kūʻai kūʻai a me nā huakaʻi hele.
Hiki iāʻoe ke hui pū me ka Aspire Federal Union Union inā loaʻa iāʻoe kekahi lālā o kaʻohana a mea hana paha. Ināʻole, hiki iāʻoe ke hui pū me ka'Akepila KūʻaiʻAmelika e lilo i lālā.
Ka maikaʻi maikaʻi loa: USAA Cash Back Rewards Plus American Express
ʻO ka USAA Cashback Rewards Plus American Express e uku i 5% cashback ma nā $ 3,000 mua i ka kūʻaiʻana i ke koli a me kaʻoihana koa i kēlā me kēia makahiki; He 2 pakeneka ma ka $ 3,000 mua i ka kūʻaiʻana i nā supermarching i kēlā me kēia makahiki; a i ka palenaʻole he 1% cashback ma nā mea a pau. E loaʻa iāʻoe he 1 pakeneka ma ka kūʻaiʻaila a me ka meaʻai ma ka palena makahiki. Ma keʻano he mea nāna e mālama, e hiki iāʻoe ke komo i nā mea hana'ē aʻe o American Express e like me ka palapala hoʻopiʻi nui, ka hoʻopiʻiʻana i nā waiʻino hewa, a me ka waiwai kīpē.
Uaʻaeʻoe e komo i USAA ināʻoʻoe a me kāu hoa kāne e hele ana a iʻole ka hōʻailona reti a iʻole kou mau mākua a makua paha he lālā no USAA.
ʻO nā mea maikaʻi loa no Gas a me Grocers: Ka Laikini Visa Signature PenFed Platinum
ʻO ka penihana hōʻai'ēʻo PenFed Platinum Reward Visa Signature Card e hāʻawi i kahi hōʻai'ē hōʻai'ē $ 100 inā hoʻohanaʻoe i $ 1,500 ma nā lā he 90 mua o kou loaʻaʻana kāu kāleka kāleka. Ke hele neiʻoe, loaʻaʻoe i 5 mau helu no kēlā me kēia kālā āu e hoʻolimalima ai i nā mea kūʻai kālā. 3 mau helu no ke kālā ma ke kūʻaiʻana; a 1 ka helu no ke kālā ma nā mea kūʻai'ē aʻe a pau. E hauʻoli hoʻiʻoe i ka 0% hoʻokomo APR i nā hoʻololi hoʻoili no nā 12 mahina mua.
Hiki iāʻoe ke hui pū me ka'elepili PenFed inā he'elepaʻoe i ka US a me ka Hui Uniformed i hoʻomahaʻia, aiʻole he mea pili a pili paha i ka mea hoʻokahi.
ʻO ka mea maikaʻi no nā mea nui: Nui ka palapala inoa Visa
Ua hoʻokumuʻia ka Palapala Kālā Visa e pili ana i nā mea e hoʻolilo ana i $ 50,000 aʻoi aʻe paha ma kā lākou kāleka kāleka. ʻAʻole loaʻa kahi bonus hōʻailona, akā loaʻaʻoe he 3 pakeneka kālā ma kāu kūʻaiʻana i ka makahiki mua a me ka 2.5% cashback ma kēlā me kēia makahiki ma hope o kēlā. E'ōlelo mākou e hoʻoliloʻoe i $ 50,000 ma ka makahiki mua (ʻo ia hoʻi $ 4,170 ma ka mahina), e ukuʻoe i kahi $ 1,500 i ka uku waiwai ma ka makahiki mua a $ 1,250 i ka makahikiʻelua. ʻAʻohe palena i ka uku kālā e loaʻa iāʻoe. Aia he $ 59 makahiki i ukuʻia i ka makahiki mua.
No ka hui pūʻana, ponoʻoe e lilo i meaʻoihana o kēia manawa a iʻole i hoʻomahaʻia paha o kekahiʻoihana aʻoihana i hui pū me Alliant. Ināʻole, hiki iāʻoe ke hāʻawi i kahi haʻawina e mālama i ka mālama i ka Success a lilo i lālā o Alliant.
ʻAʻole i hoʻokumuʻia nā kāleka kāleka like,ʻo nā kāleka kāleka kāleka. E like me kekahi kāleka kālā'ē aʻe, ponoʻoe e noiʻi a hoʻohālike i mua o ka noiʻana.
ʻO kahi maikaʻi loa no ka hewaʻole: Kālāʻo Federal Credit Union Secure Visa Platinum Card
Ināʻoe eʻimi ana i kahi kāleka hōʻailona maʻalahi e hiki ke kūkulu hou i kāu hōʻai'ē,ʻo ka Visa Platinum Card i hoʻoponoponoʻia mai ka Moku'āinaʻo Federal State Credit Union he koho maikaʻi. Ua mālamaʻia kāu palena aie ma ke kālā ma kāu waihona kālā. ʻAʻole he uku makahiki a loaʻa iāʻoe ka uku ma kāu kūʻaiʻana.
No ka hui pūʻana, ponoʻoe he limahana o ka Moku'āinaʻoʻAmelika Hui PūʻIa a iʻole i hanaʻia e ka lālā i hui pū me ka lālā o ka lālā, aiʻole e hiki paha ke hui pū me ka HuiʻAi MokuʻAmelika e lilo i lālā.