Ukuba uhlawula ngokupheleleyo nyanga zonke: I-APR ayinamsebenzi
Xa uhlawula ibhalansi yekhadi lakho letyala ngokupheleleyo nangexesha kwinyanga enikiweyo, zimbini izinto ezenzekayo ezenza ukuba izinga lakho lenzala lingabinamsebenzi: Akukho mali iseleyo apho umniki wekhadi anokubiza inzala. Ufumana ixesha loxolelo ekuthengeni kwinyanga ezayo.
Ngokufanayo, Ngaba i-APR isebenza kuphela kwiintlawulo zasemva kwexesha? I-APR ibalulekile ngokuxhomekeke ekubeni uyayenza na intlawulo ngomhla omiselweyo kunye nokuba ulihlawula ngokupheleleyo ityala lakho lekhadi letyala. Ukuba uhlawula ngokupheleleyo yonke ngenyanga, i-APR ayinamsebenzi. … Ukuba awuyihlawuli yonke ibhalansi yakho, lowo ukhuphayo ubiza inzala kwibhalansi eseleyo.
Ngaba ndingakuphepha ukuhlawula i-APR? Ukuba ungathanda ukunqanda ukuhlawula inzala kwikhadi lakho letyala, uneendlela ezimbini ongakhetha kuzo. Ungayihlawula ibhalansi yakho phambi kokuba ixesha lakho loxolelo liphele, okanye unokufaka isicelo sekhadi lokuthenga ngetyala elinguziro elibonelela nge-0 ekhulwini ye-APR ekuthengeni kangangeenyanga ezingama-21.
Isebenza njani iAPR xa ubhatala kwangoko? Ukuba wenza intlawulo yakho yenyanga kwangoko, yakho Inzala idla ngokuba sezantsi kwaye intlawulo eninzi iya kwityala lakho elingundoqo. … Ngenxa yoko, usenokuhlawula i-APR ephezulu kwityala lakho lekhadi lokuthenga ngetyala kunomlinganiselo wenzala odweliswe kwisivumelwano sekhadi lakho.
Okwesibini Ngaba i-APR yakho ingatshintsha? Ngelixa i-APR emiselweyo ayitshintshi kubomi bemboleko yakho, i-APR eguquguqukayo ibotshelelwe kwisalathiso esinokutshintsha.
Ingaba isohlwayo sika-APR sihlala ixesha elingakanani?
Ingaba isohlwayo sika-APR sihlala ixesha elingakanani? Izohlwayo ze-APRs zihlala iinyanga ezintandathu ubuncinane, kodwa ingaba ixesha elide ukuba uyaqhubeka ukwenza iintlawulo emva kwexesha. Imigaqo yeCiti Double Cash Card ithi "isohlwayo se-APR sinokusebenza ngokungenammiselo."
emva koko Ngaba ndihlawuliswa i-APR rhoqo ngenyanga? I-APR lizinga lenzala obizwa ngalo xa uboleka imali. Kwimeko yamakhadi okuthenga ngetyala, awuhlawuliswa nzala ukuba uhlawula ibhalansi yakho ngexesha kwaye ngokupheleleyo umjikelo ngamnye wokuhlawula. Abaniki bamakhadi bachaza eli xabiso ngonyaka, kodwa ukufumana inzala yakho yenyanga, ukwahlula ngokulula nge-12.
Ngaba kufuneka ndilihlawule ikhadi lam lokuthenga ngetyala ngokukhawuleza nje ukuba ndilisebenzise? Impendulo phantse kuzo zonke iimeko hayi. Ukuhlawula ityala lekhadi lokuthenga ngetyala ngokukhawuleza kangangoko kunokwenzeka kuya kongela imali kwinzala kodwa kukwancede ukugcina ityala lakho likwimo entle.
Loluphi uhlobo lweziko elinokukunceda ukuba wakhe kwakhona ikhredithi?
Ingcebiso ngetyala — Umcebisi ngetyala oqinisekisiweyo unokukunceda wenze isicwangciso sezemali sokulawula ngcono amatyala akho. I-Federal Trade Commission ithi uninzi lwemibutho yokucebisa ngetyala engenzi nzuzo.
Kwakutheni ukuze ndibize inzala kwikhadi lam lokuthenga ngetyala? Nantsi indlela esebenza ngayo. Amakhadi okuthenga ngetyala abiza inzala kuyo nayiphi na imali eseleyo ongayihlawulanga ngomhla omiselweyo kwinyanga nganye. Xa uphethe ibhalansi inyanga nenyanga, inzala inyuswa yonke imihla, ngokusekelwe koko kubizwa ngokuba yiDaily Periodic Rate (DPR).
Ngaba ukuvala imali-mboleko kuyalonakalisa ityala lakho?
Ukuhlawula imali-mboleko akunakuphucula kwangoko amanqaku akho etyala; inyaniso, amanqaku akho anokuhla okanye ahlale efanayo. … Oko kunciphisa umxube wetyala lakho, elibalelwa kwi-10% ye-FICO yakho® Inqaku☉ . Kwakhona kunokwenzeka ukuba amanqaku akho angawa ukuba ezinye iiakhawunti zakho zekhredithi zineebhalansi eziphezulu kunemali mboleko ehlawulweyo.
Ithetha ukuthini i20 APR kwikhadi letyala? Imigaqo inokusebenza kwiintengiso ezidweliswe kweli phepha. APR, emele iipesenti zonyaka, ziindleko zonyaka zokuboleka imali. Ukuba uboleka i-1,000 yeedola ngonyaka nge-20% ye-APR, iyonke yokuhlawula iya kuba yi-1,200 yeedola.
Loluphi uhlobo lwe-APR olufunayo?
I-APR elungileyo yekhadi letyala yenye engaphantsi komyinge wenzala yangoku, nangona eyona nzala iphantsi iya kufumaneka kuphela kubafaki-zicelo abanekhredithi ebalaseleyo. NgokukaFederal Reserve, umyinge wenzala wamakhadi okuthenga ngetyala e-US umalunga I-14% ukuya kwi-15% ye-APR ukusukela ekuqaleni kuka-2018.
Ngaba i-APR iyancipha ngokuhamba kwexesha?
Inkampani yekhadi lakho letyala ayiyi kunciphisa i-APR yakho ngenxa yokuba ubusoloko ukhathalele ikhredithi yakho; kufuneka ubafowunele ubacele ukuba behlise iAPR yakho! … Ixabiso eliQhelekileyo: i-APR ikhadi letyala liya kukuhlawulisa lakube liphelile ixesha lokwazisa.
Ndingayithoba njani i-APR yam kwimoto yam? Uyithoba njani i-APR kwimali mboleko yemoto
- Jonga iingxelo zakho zekhredithi kwaye wakhe ikhredithi. …
- Faka isicelo sokuxhaswa ngemali kwakhona. …
- Faka isicelo kunye nomntu obolekayo okanye wongeze icosigner. …
- Thenga ujikeleze. …
- Cinga ngemigaqo emifutshane yemali-mboleko. …
- Thetha nge-APR kunye nenqanaba lenzala. …
- Jonga ukuba ungayithoba i-APR yakho ngemizuzu nje embalwa.
Ndiyihlisa njani i-APR yam? Ndingalithoba njani ikhadi lam letyala nge-APR?
- Phucula inqaku lakho letyala. Ukuphuculwa kwamanqaku akho ekhredithi kubalulekile ukuba ufuna ukuqala ukunciphisa i-APR obonelelwa ngayo ngababolekisi kwizicelo zekhadi letyala. …
- Cinga ngokugqithisela imali. …
- Hlawula ibhalansi yakho. …
- Ngenisa isicelo ngomniki-tyala wakho.
Uyiphepha njani i-APR?
Ukuba ungathanda ukunqanda ukuhlawula inzala kwikhadi lakho letyala, uneendlela ezimbini ongakhetha kuzo. Wena ungahlawula ibhalansi yakho phambi kokuba ixesha lakho loxolelo liphele, okanye unokufaka isicelo sekhadi lokuthenga ngetyala elinguziro elibonelela nge-0 ekhulwini ye-APR ekuthengeni kangangeenyanga ezingama-21.
Kutheni i-APR ibalulekile? I-APR, okanye izinga lepesenti yonyaka, lizinga lakho lenzala elichazwe njengexabiso lonyaka. I-APR yemali-mboleko inokubandakanya iimali onokuthi uzihlawuliswe, njengemirhumo yemvelaphi. I-APR ibalulekile kuba inokukunika umbono olungileyo wokuba uzakuhlawula malini ukuboleka imali.
Yintoni eya kubangela isohlwayo se-APR?
Isohlwayo se-APR siqalisiwe xa uhlawula kade, intlawulo yakho ibuyiswa ngenxa yemali enganelanga okanye i-akhawunti evaliweyo, okanye ugqithise kumlinganiselo wetyala lakho. Umniki wekhadi letyala ngalinye unemiqathango ethile ekufuneka ihlangatyezwe ukuze kufakwe isohlwayo se-APR.
Ndiphuma njani kwisohlwayo se-APR? Eyona ndlela ilula yokuthintela ukubangela isohlwayo se-APR ukuhlawula ubuncinane imali efunekayo kwinyanga nganye. I-Aggerwal icebisa ukwenza izikhumbuzo zokuqinisekisa ukuba wenza iintlawulo ngexesha. Unako kwakhona ukuseta iintlawulo ezizenzekelayo ukuhlawula ibhalansi epheleleyo ukuze ungabi naxhala malunga nokuhlawula inzala kwaphela.
Ngaba unokukuphepha ukuhlawula i-APR?
Ukuba ungathanda ukunqanda ukuhlawula inzala kwikhadi lakho letyala, uneendlela ezimbini ongakhetha kuzo. Ungayihlawula ibhalansi yakho phambi kokuba ixesha lakho loxolelo liphele, okanye unokufaka isicelo sekhadi lokuthenga ngetyala elinguziro elibonelela nge-0 ekhulwini ye-APR ekuthengeni kangangeenyanga ezingama-21.
Ngaba kufuneka ndihlawule inzala ukuba ndihlawula ngokupheleleyo? Ukuba uhlawula yonke ibhalansi efunekayo edweliswe kwisiteyitimenti sakho ngexesha loxolelo, umbolekisi wakho akayi kukuhlawulisa nzala. … Ukuba ulihlawula ngokupheleleyo ikhadi lakho nyanga nganye, izinga lenzala lekhadi lakho alinakwenzeka: Intlawulo yenzala iya kuba nguziro, kungakhathaliseki ukuba iphezulu okanye iphantsi kangakanani na i-APR.
Ngaba uhlawuliswa i-APR ukuba uhlawula intlawulo encinci?
Ukuba uhlawula ubuncinci bentlawulo yekhadi letyala, akuyi kufuneka uhlawule umrhumo kade. Kodwa useza kufuneka uhlawule inzala kwibhalansi ongayihlawulanga hlawula. Kwaye inqanaba lenzala lekhadi letyala liphezulu: NgokukaDisemba ka-2020 idatha evela kwiCreditCards.com, umndilili wekhadi letyala lelizwe lonke i-APR yayili-16.05%.