Ukhe wakuthathela ingqalelo ukufaka isicelo sekhadi lebhanki letyala, kodwa uyeka ukwenza oko ngenxa yokoyika ukwaliwa? Oku akuqhelekanga ngokujonga ubuncinci benqaku lokuthenga ngetyala kuninzi lwamakhadi etyala, kubandakanya neakhutshwa ziivenkile ezinamagama amakhulu. Nangona kunjalo, amakhadi athile akholelwa ukuba anezithintelo ezincinci ekungeneni.
Macy's
I-Macy ibonelela ngeAmerican Express kunye nekhadi elinegama lokugcina. Elokugqibela lihletyelwa ukuba linemilinganiselo engqongqo yokufumana isiqinisekiso, ngokwamanqaku etyala, emva koko kufunwa yiAmerican Express. Ngapha koko, abo bajongene nokubhengezwa njengongenamali, banamanqaku emboleko embi (kwii-400s), okanye abafuna ukuqala ngokutsha ngetyala labo bavunyiwe, amanqaku Buza uMnu .
Amanqaku afanelekileyo- Leliphi iSebe eligcina iiCredit Card ezinemivuzo?
- Amakhadi etyala kaMacy
- Ngaba kulula kangakanani ukufumana uLwazi lweKhadi letyala lomntu?
Ukufaka isicelo, gcwalisa isicelo se-intanethi kwi Iwebsite kaMacy okanye utsalele umnxeba ku-877-493-9207.
amazwi ukuwathetha xa umntu esifa
Sears
I-Sears ikwabonelela ngegama elinevenkile kunye nekhadi leCiti. Ngelixa uCiti elandela iikhrayitheriya ezingqongqo zemfundo, ikwanjalo ngamarhe ukuba iiSears zifuna amanqaku e-FICO angama-680 okanye ngcono ukuba avunywe. Ngethamsanqa, unokuvunywa ngenxa yokuncipha kwevenkile. 'Ukuba awunembali yamatyala, banokuthi bakulungele ukuthatha umngcipheko kuwe, utshilo iQonga leKhadi letyala. Into emnandi kukuba bathengisa iintlobo ngeentlobo zeemveliso kunabathengisi abaninzi kolu luhlu, okwenza kube lula ukusebenzisa ikhadi.
Ukufaka isicelo, gcwalisa i-intanethi Isicelo sekhadi leSears okanye fowunela 800-917-7700.
Kohl's
Ikhadi lokutshaja likaKohl lenza abathengi ukuba bonge imali unyaka wonke ngokufikelela kwizaphulelo zevenkile kunye nokuthengiswa kwangoko, kwaye ufumana isibonelelo esikhethekileyo inyanga nenyanga. IQonga leKhadi letyala libonisa Kulula ukuyifumana kunekhadi elikhulu letyala kwaye uqikelela ubuncinci beemfuno zamanqaku e-FICO ukuze ube phakathi kwe-600s.
Ukufaka isicelo, gcwalisa ifayile ye- isicelo online ifunyenwe kwiwebhusayithi kaKohl.
imisebenzi yolutsha ehlawula kakuhle
Walmart
Le yenye ivenkile yesebe enazo zombini ivenkile kunye nenketho enophawu oludibeneyo. Inguqulelo ye-MasterCard iya kufuna ukuba ungene kwi-red tape ukuze uvunywe, kodwa amathuba akho okuphumelela ngoguqulelo lwevenkile kuthiwa alula kakhulu. Ityala.com ithi kufanelekile kwabo baqala nje kwilizwe lokuthenga ngetyala okanye bezama ukwakha ikhredithi yabo ngenxa yenqanaba labo lokufumana amanqaku.
Ukufaka isicelo, kuya kufuneka yenza iakhawunti yeWalmart.com . Nje ukuba wenze njalo, uya kuba nakho ukufikelela kwisicelo esikwi-intanethi.
Thelekisa uKhetho lwakho
Ukubonelelwa ngeakhawunti kunye nolwazi lunokutshintsha nangaliphi na ixesha, ke soloko uqinisekisa ngokuthe ngqo ngokuthe ngqo kumniki wekhadi. Ukusukela ngoDisemba 2016, iinkcukacha eziphambili zibandakanya:
| Ungeniso lwentshayelelo | Imivuzo | APR | Imali yoNyaka | Izibonelelo ezongezelelweyo | |
| JC Penney | Gcina i-15% kwinto yokuqala oyithengileyo | I-1 yedola ilingana nenqaku eli-1 xa uhlawula ngekhadi letyala Amanqaku angama-200 alingana ne- $ 10 | 26.99% | $ 0 | Ukuphuculwa okunokwenzeka kugolide okanye kwiplatinamu |
| Macy's | Gcina iipesenti ezingama-20 ngeentsuku ezimbini (ukuya kuthi ga kwiidola ezili-100) | Inkqubo yonyaka ebizwa ngokuba Enkosi ngokwabelana phakathi kukaSeptemba noDisemba unyaka ngamnye. $ 25 imali. | 25.74% | $ 0 | Ngamaxesha athile ulondolozo olothusayo lunikezelwa kwirejista |
| Sears I-13 leminyaka ubudala imibono yeqela lentombazana | Gcina i-10 yeedola kuthengiso lwanamhlanje | Ayingeni | 25.24% | $ 0 | Ugcino lwarhoqo ngenyanga kunye nezibonelelo ezikhethekileyo |
| Kohl's | Gcina i-30% kuthengiso lwanamhlanje kunye ne-15% eyongezelelweyo emva kokufumana ikhadi lakho | Ayingeni | 24.24% | $ 0 | Izaphulelo zenyanga (10-30%) |
| Walmart | Gcina i-15% kuthengiso lwanamhlanje, ukuya kuthi ga kwiidola ezingama-50. | I-1% -3% yemali ibuyisiwe njengengxelo yekhredithi | 23.15% | $ 0 | Inqaku lasimahla lenyanga le-FICO xa ubhalisa kwiingxelo ze-elektroniki |
Ukusetyenziswa ngokufanelekileyo
Ngaphambi kokufaka isicelo sekhadi levenkile yesebe, jonga ngononophelo imigaqo kunye neemeko zokuqinisekisa ukuba ziya kulungela iimfuno zakho. Nje ukuba ufumane ikhadi, lisebenzise ngokufanelekileyo ukuze ungazibandakanyi namatyala angeyomfuneko. Gcina ukhumbula ukuba inani lamakhadi onawo, uwasebenzisa kangakanani kunye nokuba ungakanani na ityala onokulufumana ekuchaphazeleni umlinganiso wakho wekhredithi.
