Ukuba ungumntu othanda ukuthenga eMacy's, unokufuna ukuvula iakhawunti yekhadi letyala kunye nophawu lwevenkile. Unokufumana izaphulelo kunye nembuyekezo esekwe kuthengiso lwakho kwivenkile. UMacy ubonelela ngekhadi levenkile elinokusetyenziswa kumthengisi, kunye nekhadi likaMacy's American Express elinokusetyenziswa naphi na xa kwamkelwa i-Amex.
Ukufaka isicelo seAkhawunti yeKhredithi yeMacy
Nangona uMacy ebonelela ngeendlela ezimbini zekhadi letyala, kukho isicelo esinye. Xa ufaka isicelo sakho, uya kuthathelwa ingqalelo kokubini kwikhadi letyala leMacy kunye nekhadi leMacy's Express Express. Ukuba uyavunywa kuwo omabini la makhadi, kukuwe ukuba uthathe isigqibo sokuba yeyiphi iakhawunti ofuna ukuyivula.
Amanqaku afanelekileyo- Ngaba leliphi elona candelo lilula lokugcina amakhadi etyala?
- Leliphi iSebe eligcina iiCredit Card ezinemivuzo?
- Ingxelo yeTyala Iileta zeNgxabano
Ngoku ka IsipajiHub , abo banamanqaku afanelekileyo okuthenga ngetyala banokulungela ikhadi levenkile. Ngokubanzi, ukuba amanqaku akho etyala aphakathi kwe-620 kunye ne-650, kuluhlu olufanelekileyo. Kwinguqulelo yeAmerican Express, IWalletHub ibonisa ukuba amanqaku amatyala amahle (okanye ngcono) ayimfuneko.
Uya kudinga ukungenisa isicelo sakho Iwebhusayithi yeCitibank . Ukuba uthatha isigqibo sokufaka isicelo seakhawunti yekhadi letyala ngelixa uthenga ezivenkileni Macys.com , unokucofa ngokulula ukuya kwisicelo esisezantsi kwephepha. Jonga nje emazantsi ephepha kwaye ucofe u ' funda ngakumbi kwaye usebenzise ikhonkco.
Ukufumana umvuzo weNkwenkwezi
Xa uvula naluphi na uhlobo lwekhadi letyala likaMacy, uya kubhaliswa ngokuzenzekelayo kwinkampani Inkqubo yeMivuzo yeNkwenkwezi , evulekileyo kuphela kubaninimakhadi bevenkile. Inkqubo ye- Inkqubo yagqitywa ekwindla ngo-2017, kwaye izibonelelo zahluke kakhulu kunangaphambili. Inkqubo yemivuzo yeNkwenkwezi ibonelela ngezibonelelo ezahlukeneyo kuxhomekeke ekubeni uchithe malini kwivenkile. Ukuba uthenga izinto ezimbalwa kumthengisi, le mivuzo inokubaluleka kakhulu.
Ngokusisiseko, kokukhona uthenga kwaMacy usebenzisa ikhadi lakho, izibonelelo ezingaphezulu (okt, izaphulelo xa uyokuthenga kunye nomthengisi) uya kufumana. Umnini wekhadi ngalinye wabelwe inqanaba leenkwenkwezi ngokusekwe kukuthengwa kukaMacy kusetyenziswa elinye lamakhadi evenkile.
- Isilivere: Abanini bamakhadi baya kuba nenqanaba lesilivere ukuba intengo yabo yokuthenga ngonyaka ophelileyo iphakathi kwe- $ 1 kunye ne- $ 499. Amalungu eSilver Star Rewards aya kufumana i-Star Passes ngamaxesha athile, ethi ibanike ithuba lokufumana ama-25% ezinto abazithengileyo eMacy ngosuku abalukhethileyo. Ukuthenga makwenziwe ngekhadi likaMacy.
- Igolide: Abanini bamakhadi ngokuthengwa kwe-Macy nge-net ye-500 yeedola ukuya kwi-1,199 yeedola kunyaka ophelileyo bafezekisa imeko yegolide. Ukongeza kokufumana i-Star Passes, amalungu e-Gold Star Rewards afumana ukuhanjiswa simahla ngaphandle kokuthenga okuncinci kuwo onke ama-Intanethi athengiswa kwi-brand esebenzisa ikhadi lekhredithi lika-Macy, kunye nesipho esikhethekileyo ngomhla wokuzalwa kwabo.
- IPlatinam: Abanikazi beakhawunti abathengise ngetyala kunyaka ophelileyo iyonke i-1,200 yeedola okanye nangaphezulu baphakanyiselwe kwinqanaba leplatinam. Amalungu kwinqanaba lePlatin Star Star Rewards afumana zonke izibonelelo zamanqanaba angaphambili kunye neepesenti ezintlanu zemali kuzo zonke izinto ezithengiweyo zikaMacy kusetyenziswa ikhadi lekhredithi likaMacy.
Zonke iiakhawunti ezintsha zivulwa kwelona nqanaba lisezantsi. Kunyaka wokuqala, utshintsho kwisimo kwiintsuku ezingama-30 emva kokuba inqanaba lokuthenga elifanelekileyo lifezekisiwe.
isibhengezo sokusweleka kwelungu losapho lomsebenzi
Iindleko zeMacy's Card Card
Ngelixa izibonelelo zeMivuzo yeNkwenkwezi zinokuvakala zinomtsalane kakhulu, kuya kufuneka ukuba uqwalasele iindleko ezinxulumene nokusebenzisa la makhadi. Akukho ntlawulo yonyaka ngayo naliphi na ikhadi, into elungileyo. Nangona kunjalo, kwasekuqaleni kuka-2018, zombini ezi ntlobo zeakhawunti yekhadi letyala likaMacy zinenqanaba lenzala lama-26.24%. Oko kungongeza ngokukhawuleza ukuba awukwazi ukuhlawula ibhalansi yakho ngokupheleleyo inyanga nenyanga.
Ngelixa oku kungaphezulu kakhulu kunenqanaba eliqhelekileyo lenzala yamakhadi afuna ukulinganiswa kwetyala ngokufanelekileyo, iphakame kakhulu kunenqanaba eliphakathi lamakhadi afuna umyinge olungileyo wekhredithi, njengoko kubonisiwe kwiWalletHub's INgxelo yeNdawo yokuthenga ngetyala ye-2018. Ngokusisiseko, oku kuthetha ukuba ukuba ufanelekile ukuba ufumane uhlobo lwekhadi laseMelika Express, amathuba okuba unokulungela ukufumana ikhadi lekhredithi elahlukileyo elinenqanaba eliphantsi lenzala. Le yinyani ebalulekileyo ekufuneka uyiqwalasele ukuba ucwangcisa ukuphatha ibhalansi ekhadini.
Ngaphambi kokuvula iakhawunti, kuya kufuneka uyazi ukuba ukubhengezwa kweakhawunti icacisa ukuba umrhumo wokwenza intlawulo yakho kade okanye yokubuyisa intlawulo ungaya kuthi ga kwi-38 yeedola ngesiganeko ngasinye.
Iingqwalaselo eziphambili
Ukuba ucinga ngokuvula ikhadi lamatyala likaMacy, kubalulekile ukuba wenze isigqibo esifanelekileyo-njengayo nayiphi na iakhawunti yekhredithi. Ukuba uhlala umthengi kaMacy rhoqo kwaye ufuna ukuvuzwa ngokuthenga kwakho, inkqubo yeMivuzo yeNkwenkwezi ngokuqinisekileyo inokubangela umdla. Nangona kunjalo, izibonelelo zenkqubo zinokuchaswa ngokukhawuleza ngamazinga enzala amakhulu ukuba uphethe ibhalansi ekhadini. Ukuphonononga isivumelwano somnini wekhadi ngokweenkcukacha ngaphambi kokufaka okanye ukusebenzisa ikhadi lakho (ukuba livunyiwe), kwaye uqiniseke ukuba uyakuqonda konke ukuprinta okuhle. Cinga ngeendleko zokwenyani, kunye nokuthenga kwakho kunye nemikhwa yokuhlawula, kunye nemeko yakho yezemali ngoku xa usenza isigqibo.
