Ukuba uceba ukwenza imali ngokuthenga ifenitshala elandelayo ka-Ashley, ikhadi lekhredithi le-Ashley Advantage ™ lisenokukufanelekela ukuqwalaselwa. Ikhadi likhutshwa yi-Synchrony Bank kwaye inokusetyenziswa eAshley HomeStore's iwebhusayithi , iindawo zentengiso ezithatha inxaxheba kunye neendawo zokuthengisa.
IziBonelelo zeKhadi lika-Ashley
Ikhadi lekhadi le-Ashley Advantage linikezela ngezibonelelo ezininzi ezithandekayo kubaxhasi begama layo lokushicilela igama, konke ngaphandle komrhumo wonyaka.
Amanqaku afanelekileyo- Ngaba iNkqubo yokuthenga ngokuzenzekelayo i-Costco igcina iMali?
- Izibonelelo zeCredit Card
- Iivenkile ezi-10 zeFenitshala eziLungileyo kwi-Intanethi
Inkxaso mali ekhethekileyo
Inxaso-mali engenanzala iyafumaneka kunye nekhadi letyala leAshley. Isibonelelo semali kunye nomda ohambelana nekhredithi owufumanayo uya kuxhomekeka kwelona xabiso liphantsi lokuthenga (ukuba kufanelekile) kunye nomgangatho wesicelo sakho setyala. Izibonelelo zingaquka:
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Akukho nzala kwiinyanga ezi-6
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Akukho nzala kwiinyanga ezili-12
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Akukho nzala kwiinyanga ezingama-24 (ubuncinci ukuthengwa kwe- $ 1,499)
yeyiphi indlela ohambisa ngayo inquma
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Akukho nzala kwiinyanga ezingama-36 (ubuncinci ukuthengwa kwe- $ 1,999 iyafuneka)
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Akukho nzala kwiinyanga ezingama-48 (ubuncinci ukuthengwa kwe- $ 2,499)
Uphengululo kwi PissedConsumer.com igxininisa ukubaluleka kokunikela ingqalelo kubuncinci bemfuno yokuthenga. Umvavanyi ubonakalisa ukuba ugqibele enetyala elininzi kuba ebengazi ukuba kufuneka achithe ngaphezulu kwedola ethile ukuze afumane inkxaso-mali ngaphandle kwenzala.
Ukunikezelwa okukodwa
Njengomnini wekhadi, uya kuba nakho ukufikelela kwizibonelelo ezizodwa ezingafumanekiyo kwabanye abathengi. Uya kufumana kwakhona amatikiti anokusetyenziswa kwivenkile kunye nokuthengwa kwe-Intanethi. Ityala Panda icaphula oku kukhuthaza njengeyona ndawo iphambili yokuthengisa kwikhadi lekhredithi leAshley.
Inkxaso mali engezantsi kweNtlawulo
Ngokungafaniyo neevenkile ezininzi zefanitshala, kubandakanya Amagumbi Onokuya kuwo , ezifuna ukuba uhlawule ubuncinci bokuhambisa kunye neerhafu ngaphambili, ifanitshala ka-Ashley ibonelela ngezemali ngaphandle kwentlawulo phantsi ngekhadi letyala. Oku kuthetha ukuba ungaqala ukonwabela ifanitshala yakho kwiiveki ezimbalwa ngaphambi kokuba wenze intlawulo yokuqala.
Ukhuseleko lweKhadi
Abanini bamakhadi ababhalise kwinkqubo yoKhuseleko lweKhadi banokuba noxolo lwengqondo ukuba kuvela imeko kaxakeka efanelekileyo ebathintelayo ekuhlawuleni ixesha elide. Imicimbi efanelekileyo ibandakanya ukungabikho kwemisebenzi, ikhefu lokungabikho emsebenzini, ukulaliswa esibhedlele, ukuhlala kumakhaya abantu abalupheleyo, ukukhubazeka kunye nokufa. Umrhumo wenyanga oyi-1.66 weedola kwi-100 yeebhalansi zokuphela kwenyanga ziyasebenza.
Ukudumisa le nkqubo, ThelekisaCards.com ithi, 'Sithanda ukuba babonise ngokucacileyo ukhetho kumalungu ekhadi elitsha ukuba babhalisele ukhuseleko lwekhadi. Kulungile ukubakho endaweni xa kunokwenzeka 'isiganeko' sivele. '
Ulawulo lweAkhawunti ekwi-Intanethi
Unga lawula iakhawunti yakho yeAshley Advantage yekhadi letyala ngqo kwifowuni yakho okanye kwiilaptop ukuba uhlala usendleleni. Abanini bamakhadi banokukhetha ukufumana iingxelo ze-e-bill, jonga ibhalansi yabo, kunye neshedyuli yokuhlawula kwi-intanethi besebenzisa iakhawunti yabo yokutshekisha endaweni yokuthumela ngetsheki okanye kwiodolo yemali.
Iingxaki zeKhadi
Ngelishwa, kukho ezinye iingxaki ezinokubakho ngaphambi kokuba ufake isicelo sekhadi letyala le-Ashley Advantage.
Ugqithiso lweAPR
Abanini bamakhadi baphantsi kwe-APR eyoyikisayo yeepesenti ezingama-29.99 nje ukuba ixesha lenkxaso mali liphelile. Nangona kunjalo, ukuba ukhupha intlawulo epheleleyo lingaphelanga ixesha leentsuku ezingama-23, okanye ixesha elibekiweyo phakathi komhla wokuvalwa kwesitetimenti kunye nomhla omisiweyo, ungakuphepha ukuhlawula inzala kwaphela.
indlela yokucela incwadi yengcebiso evela kumqeshi
Imirhumo yeNzala echaziweyo
Akukho nzima ukuphulukana nezibonelelo ezingenalo inzala zeli khadi. Konke okudingayo kukuphosa enye okanye ukuhlawula kade ngexesha lesithuba semali esikhethekileyo kwi-APR esemgangathweni engama-29.99 eepesenti ukuba isetyenziselwe ukuphinda isetyenziswe kuzo zonke iindleko zokuthenga- hayi ibhalansi eseleyo ngelo xesha. Iforum enegalelo kwi myFICO.com Iingxelo kufuneka zihlawule ngaphezulu kwe-500 yeedola kwityala lezemali emva kweentsuku ezilishumi emva kwexesha kwintlawulo enye. Thelekisa iiCards.com icacisa oku njengeyona nto iphambili kwikhadi letyala lika-Ashley.
Uphengululo kwi Ikhadi leTyala leBhlog ikhankanya ukuba kunzima ukufumana eyona migaqo kunye neemeko zekhadi kwaye icebisa ukuba abanini bamakhadi babhalise kwintlawulo yemoto ukunqanda ukuphoswa yintlawulo kwaye kufuneka benze ifolokhwe ngaphezulu kwemali yenzala emiselweyo.
Isohlwayo seNtlawulo ePhakamileyo
Kuya kufuneka ukhathazeke malunga nemali yokuhlawula kade, eyi- $ 27 okanye eyi- $ 37, ukuba ukhupha intlawulo emva komhla omiselweyo. Ityala lePanda libonisa ukuba imali yesohlwayo ehlawulwa kade kwikhadi letyala igqithisile xa kuthelekiswa namanye amakhadi etyala kwimarike.
Umahluko wetyala
Ukuphononongwa kwabathengi ukusuka IziBonelelo zabaThengi kuchazwe ukungangqinelani phakathi kwexabiso lokwenziweyo kunye nokuvela kwiingxelo zabanye abathengi. Ngamanye amaxesha, abanini bamakhadi babenetyala lokuphindaphinda izinto ezazibuyisiwe, kwaye kwathatha iincoko ezininzi zomnxeba ukuze umba usonjululwe.
Iikhrayitheriya zokufaneleka
I-Synchrony Bank ayichazi ubuncinci bemigangatho yemfundo kule akhawunti, kodwa Ityala leKarma uphononongo lubonisa ukuba ikhredithi ye-stellar isenokungabikho mfuneko yokufumana isiqinisekiso. Ngapha koko, umvavanyi weKhredithi yeKarma onamanqaku e-FICO angama-634 avunywa kwiakhawunti yeAshley Advantage.
Indlela yokufaka isicelo
Ukuba ufuna ukuthathelwa ingqalelo ngeli khadi lekhredithi, kuya kufuneka Faka isicelo kwi-Intanethi okanye ugcwalise isicelo nakweyiphi na Indawo yokuthengisa iAshley HomeStore . Emva kokungenisa isicelo sakho, inkqubo yabo iya kuhlalutya imixholo yayo kwaye ikhuphe impendulo kwangoko.
Ikhathalogu yeKhadi letyala iphakamisa ukulinda ukufaka isicelo de uqiniseke ukuba uya kuthenga kwi-Ashley Furniture HomeStore kuba ikhadi alinakusetyenziswa kwenye indawo.
uthutho olusuka kwisikhululo seenqwelomoya i-fort lauderdale ukuya kwisikhululo seenqanawa
Ukwenza isigqibo sakho
Ukuba uhlala uthenga ifanitshala ka-Ashley kwaye ukhetha ukuxhasa ngemali ukuthenga kwakho ukuze ube nexesha elingaphezulu lokuhlawula, eli khadi linokuba lilungele wena. Nangona kunjalo, kunokuba ngumdla wakho ukufaka isicelo ukuba unakho ukuhlawula imali eseleyo ngokupheleleyo ngaphambi kwexesha lokuphela. Ngaphandle koko, ungangcono ngekhadi elinophawu olungelulo olugciniweyo ngesithembiso sokungenisa esinika umvuzo kwaye sinokusetyenziswa kwihlabathi liphela. Ukuba uthatha isigqibo sokufaka isicelo, qiniseka ukuba ufunde ukushicilelwa okuhle ngaphambi kokuba uthenge.
