Uma ukhokha ngokugcwele nyanga zonke: I-APR ayinandaba
Uma ukhokha ibhalansi yekhadi lakho lesikweletu ngokugcwele nangesikhathi enyangeni ethile, kwenzeka izinto ezimbili ezenza izinga lakho lenzalo lingasho lutho: Ayikho ibhalansi eyeqile lapho okhipha ikhadi angakhokhisa inzalo. Uthola isikhathi somusa ekuthengeni enyangeni elandelayo.
Ngokufanayo, Ingabe i-APR isebenza kuphela ekukhokheni sekwephuzile? I-APR ibalulekile kuye ngokuthi uyazikhokha yini ngosuku olunqunyiwe futhi uma ukhokha isikweletu sakho sekhadi lesikweletu ngokugcwele. Uma ukhokha ngokugcwele zonke ngenyanga, i-APR ayinandaba. … Uma ungayikhokhi ibhalansi yakho ngokugcwele, okukhiphayo ukhokhisa inzalo esele.
Ngingakwazi ukugwema ukukhokha i-APR? Uma ungathanda ukugwema ukukhokha inzalo ekhadini lakho lesikweletu, unezinketho ezimbili. Ungakwazi ukukhokha ibhalansi yakho ngaphambi kokuphela kwesikhathi sakho somusa, noma ungafaka isicelo sekhadi lesikweletu elingenayo inzalo enikeza amaphesenti angu-0 APR ekuthengeni izinyanga ezingafika kwezingu-21.
Isebenza kanjani i-APR uma ukhokha kusenesikhathi? Uma wenza inkokhelo yakho yanyanga zonke kusenesikhathi, yakho izinkokhiso zenzalo ngokuvamile ziphansi futhi inkokhelo eningi iya esikweletini sakho esiyinhloko. … Ngenxa yalokho, ungase ukhokhe i-APR ephakeme kakhulu esikweletini sakho sekhadi lesikweletu kunesilinganiso senzalo esohlwini lwesivumelwano sekhadi lakho.
Okwesibili Ingabe i-APR yakho ingashintsha? Nakuba i-APR engaguquki ngokuvamile ayishintshi impilo yemali mboleko yakho, i-APR eguquguqukayo iboshelwe kunkomba engashintsha.
I-APR yesijeziso ihlala isikhathi esingakanani?
I-APR yesijeziso ihlala isikhathi esingakanani? Ama-APR esijeziso ahlala isikhathi eside okungenani izinyanga eziyisithupha, kodwa ingaba yinde uma uqhubeka nokwenza izinkokhelo sekwephuzile. Imigomo ye-Citi Double Cash Card ithi "inhlawulo ye-APR ingasebenza unomphela."
bese Ngikhokhiswa i-APR nyanga zonke? I-APR izinga lenzalo olikhokhiswayo ngokuboleka imali. Endabeni yamakhadi esikweletu, awukhokhi inzalo uma ukhokha ibhalansi yakho ngesikhathi futhi ngokugcwele umjikelezo ngamunye wokukhokha. Abakhiphi bamakhadi baveza leli zinga njalo ngonyaka, kodwa ukuze bathole izinga lakho lenzalo lanyanga zonke, vele uhlukanise nge-12.
Ingabe kufanele ngikhokhe ikhadi lami lesikweletu ngokushesha ngemva kokulisebenzisa? Impendulo cishe kuzo zonke izimo cha. Ukukhokha isikweletu sekhadi lesikweletu ngokushesha ngangokunokwenzeka kuzokongela imali yenzalo kodwa futhi kusize ukugcina isikweletu sakho sisesimweni esihle.
Iluphi uhlobo lwebhizinisi olungakusiza kangcono ukuthi wakhe kabusha isikweletu?
Ukwelulekwa ngezikweletu - Umeluleki wezikweletu oqinisekisiwe angakusiza wenze uhlelo lwezezimali ukuze ulawule kangcono isikweletu sakho. I-Federal Trade Commission ithi izinhlangano eziningi ezihlonishwayo zokwelulekwa ngezikweletu zinjalo okungenzi inzuzo.
Kungani ngikhokhiswe inzalo ekhadini lami lesikweletu? Nansi indlela esebenza ngayo. Amakhadi esikweletu akhokhisa inzalo kunoma imaphi amabhalansi ongayikhokhi ngosuku lomnqamulajuqu wenyanga ngayinye. Uma uphatha ibhalansi inyanga nenyanga, inzalo iyakhuphuka nsuku zonke, ngokusekelwe kulokho okubizwa ngokuthi i-Daily Periodic Rate (DPR).
Ingabe ukuvala imali mboleko kuyalimaza isikweletu sakho?
Ukukhokha imali ebolekiwe kungase kungenzi ngcono ngokushesha amaphuzu akho esikweletu; Empeleni, isikolo sakho singehla noma sihlale sinjalo. … Lokho kubeka umkhawulo ekuhlanganiseni kwakho kwekhredithi, okubalelwa ku-10% we-FICO yakho® Umphumela☉ . Kungenzeka futhi ukuthi isikolo sakho singawa uma amanye ama-akhawunti akho esikweletu enamabhalansi aphezulu kunemalimboleko ekhokhelwe.
Isho ukuthini i-APR engama-20 ekhadini lesikweletu? Imigomo ingasebenza kokunikezwayo okubalwe kuleli khasi. I-APR, okusho ukuthi isilinganiso samaphesenti waminyaka yonke, izindleko zonyaka zokuboleka imali. Uma uboleka u-$1,000 ngonyaka nge-APR engu-20%, isamba ozoyikhokha singaba ngu-$1,200.
Hlobo luni lwe-APR olufunayo?
I-APR enhle yekhadi lesikweletu ingaphansi kwesilinganiso senzalo samanje, nakuba inzalo ephansi izotholakala kuphela kubafaki zicelo abanezikweletu ezinhle kakhulu. Ngokusho kwe-Federal Reserve, isilinganiso senzalo samakhadi esikweletu ase-US cishe cishe 14% kuya ku-15% APR kusukela ekuqaleni kuka-2018.
Ingabe i-APR iyehla ngokuhamba kwesikhathi?
Inkampani yekhadi lakho lesikweletu ngeke yehlise i-APR yakho ngoba nje ubulokhu unakekela credit yakho; udinga ukubashayela ucingo futhi ubacele ukuthi behlise i-APR yakho! … Izinga Elijwayelekile: I-APR ikhadi lesikweletu lizokukhokhisa uma isikhathi sokwazisa sesiphelile.
Ngingehlisa kanjani i-APR yami emotweni yami? Ungayehlisa kanjani i-APR emalini ebolekiwe yemoto
- Hlola imibiko yakho yezikweletu futhi wakhe isikweletu. …
- Faka isicelo sokuthola kabusha imali. …
- Faka isicelo noboleka kanye naye noma wengeze i-cosigner. …
- Thenga nxazonke. …
- Cabanga ngemibandela emifushane yemalimboleko. …
- Xoxisana nge-APR nezinga lenzalo. …
- Bona ukuthi ungakwazi yini ukwehlisa i-APR yakho emizuzwini embalwa.
Ngiyehlisa kanjani i-APR yami? Ngingehlisa kanjani i-APR yekhadi lami lesikweletu?
- Thuthukisa isikolo sakho sesikweletu. Ukuthuthukiswa kwamaphuzu akho esikweletu kubalulekile uma ufuna ukuqala ukunciphisa i-APR ohlinzekwa ngababolekisi kuzicelo zekhadi lesikweletu. …
- Cabangela ukudluliswa kwebhalansi. …
- Khokha ibhalansi yakho. …
- Thumela isicelo ngomnikezi wakho wesikweletu.
Uyigwema kanjani i-APR?
Uma ungathanda ukugwema ukukhokha inzalo ekhadini lakho lesikweletu, unezinketho ezimbili. Wena ungakhokha ibhalansi yakho ngaphambi kokuphela kwesikhathi sakho somusa, noma ungafaka isicelo sekhadi lesikweletu elingenayo inzalo enikeza amaphesenti angu-0 APR ekuthengeni izinyanga ezingafika kwezingu-21.
Kungani i-APR ibalulekile? I-APR, noma izinga lephesenti lonyaka, izinga lakho lenzalo elishiwo njengenani laminyaka yonke. I-APR yemali mboleko ingabandakanya izimali ongase uzikhokhiswe, njengezimali zokuqala. I-APR ibalulekile ngoba ingakunikeza umbono omuhle wokuthi uzokhokha malini ukuze uboleke imali.
Yini engabangela inhlawulo ye-APR?
Inhlawulo ye-APR iyacushwa uma ukhokha sekwephuzile, inkokhelo yakho ibuyiselwa ngenxa yemali enganele noma i-akhawunti evaliwe, noma weqa umkhawulo wakho wesikweletu. Umkhiphi ngamunye wekhadi lesikweletu unemibandela ethile okufanele ihlangatshezwe ukuze kusetshenziswe inhlawulo ye-APR.
Ngiphuma kanjani kunhlawulo ye-APR? Indlela elula yokuvimbela ukubangela inhlawulo ye-APR ukukhokha okungenani inani elincane elifunekayo inyanga ngayinye. I-Aggerwal iphakamisa ukudala izikhumbuzi zokuqinisekisa ukuthi ukhokha ngesikhathi. Ungakwazi futhi ukusetha izinkokhelo ezizenzakalelayo ukuze ukhokhe ibhalansi egcwele ukuze ungakhathazeki ngokukhokha inzalo nhlobo.
Ungakwazi yini ukugwema ukukhokha i-APR?
Uma ungathanda ukugwema ukukhokha inzalo ekhadini lakho lesikweletu, unezinketho ezimbili. Ungakwazi ukukhokha ibhalansi yakho ngaphambi kokuphela kwesikhathi sakho somusa, noma ungafaka isicelo sekhadi lesikweletu elingenayo inzalo enikeza amaphesenti angu-0 APR ekuthengeni izinyanga ezingafika kwezingu-21.
Ingabe kufanele ngikhokhe inzalo uma ngikhokha ngokugcwele? Uma ukhokha yonke ibhalansi egcwele efunekayo esohlwini lwesitatimende sakho phakathi nesikhathi somusa, umbolekisi wakho ngeke akukhokhise inzalo. … Uma ukhokha ikhadi lakho ngokugcwele nyanga zonke, izinga lenzalo lekhadi lakho alibalulekile: Inkokhelo yenzalo izoba nguziro, kungakhathaliseki ukuthi i-APR ingaba phezulu noma iphansi kangakanani.
Ngabe ukhokhiswa i-APR uma ukhokha imali encane?
Uma ukhokha imali encane ekhadini lesikweletu, ngeke kudingeke ukhokhe imali esephuzile. Kepha uzoqhubeka kufanele ukhokhe inzalo kubhalansi ongazange uyenze khokha. Futhi amanani enzalo ekhadi lesikweletu agijima kakhulu: Ngokuya ngemininingwane kaDisemba 2020 evela ku-CreditCards.com, isilinganiso sikazwelonke sekhadi lesikweletu i-APR lalingu-16.05%.