Lapho abaningi abavakashi becabanga ukwengeza ikhadi lesikweletu, ezinye zezingxoxo zabo zokuqala zizungeze amaphuzu namamayela angayibutha ukuze abone umhlaba mahhala. Ngenkathi inhlanganisela yamaphuzu aguquguqukayo namaphoyinti angama-brand angasiza abashayeli ukubona umhlaba ngezindleko eziphansi, amakhadi esikweletu anganikeza nokuvikela lapho kwenzeka isimo esiphuthumayo.
Amakhadi amaningi esikweletu ngamakhambi awahambisani nje amaphuzu namamayela ngawo wonke amadola asetshenzisiwe. Uma lawo makhadi asetshenziselwa ukukhokhela uhambo, abahamba ngendlela ehambelayo bayaphakamisa izinzuzo zomshuwalense wokuhamba eziwusizo. Lawa mabhonasi ahamba ngaphezu kokuhlanganisa ukubandakanya okusemthethweni lapho umthwalo ulahlekile, ukuhlinzeka izinga elijulile losizo uma kwenzeka umcimbi ongalindelekile , ingozi noma ukugula okukhulu. .
Ngaphambi kokwenza izinhlelo zakho ezilandelayo zokuhamba, thatha isikhashana ukucabangela ukuthi yini esikhwameni sakho. Amakhadi ayisithupha ekhredithi anikeza ezinye izinzuzo zomshuwalense wokuhamba uma ziwasebenzisa izindleko zokuhamba.
01 ka-06
Okuphelele kakhulu: Chase Sapphire Reserve
Chase Bank NA Eqaliswe ngo-2017, i-Chase Sapphire Reserve ingenye yamakhadi athandwa kakhulu phakathi kwezihambi ezihamba phambili emhlabeni wonke. Abantu abamba leli khadi bangathola izindlela eziningi zokulinganisa imali engu-$ 450 yonyaka, ikakhulukazi uma kudingeka ukufaka isicelo somshuwalense wokuhamba.
I-Chase Sapphire Reserve inenzuzo eminingi yomshuwalense wokuhamba lapho abahambi basebenzisa ikhadi labo ukuze bakhokhele uhambo lwabo. Labo abaphoqeleka ukukhansela uhambo lwabo bangabuyiselwa ku-$ 10,000 ezingxenyeni ezingabuyiselwe imali ngalunye uhambo oluvuliwe. Leli khadi liza nezinzuzo zokulibaziseka ezingu-$ 500 zezintambo, izinzuzo zokulibaziseka kwemithwalo ngemuva kokuthi imithwalo ilahlekelwe amahora angaphezu kweziyisithupha, kanye nokulahlekelwa komonakalo wokuqhaqha ngokuzenzekelayo kokuqashisa ngokuzenzakalela .
Okwenza leli khadi lizuze kakhulu ukuthi lezo zinzuzo zinikezelwa kumnikazi wekhadi noma amalungu omndeni oseduze, ngisho noma umnikazi wekhadi oyinhloko engaphathi. Noma kunjalo, ukuze lezi zinzuzo zivumeleke, uhambo kufanele lukhokhwe ngekhadi, noma ngokuqondile ngamaphuzu okugcina okutholakele ekhadini.
02 ka 06
Okungcono kakhulu Ukukhishwa Kokuhamba: Chase Sapphire Okuthandwayo
Chase Bank NA Ukuthola izinzuzo zomshuwalense wokuhamba ngekhadi lesikweletu akudingeki ukuba ube nemali ephakeme yonyaka. Ikhadi elikhethwa yi-Chase Sapphire lingenye yamakhadi esikweletu adumile kakhulu e-United States, futhi inikeza izinzuzo ezinenani lemali engama-$ 95 yonyaka.
Ngokufana ne-Chase Sapphire Reserve, i-Chase Sapphire Ekhethiwe nayo ibuye ne-$ 10,000 ukukhanselwa noma ukuhamba ukuphazamiseka kohambo. Le nzuzo inikeza ukukhokhelwa kokuvakasha okukhokhelwayo ngaphambili, ukuhamba noma amaholide athengwe noma usebenzisa ikhadi lesikweletu noma ngokuqondile usebenzisa amaphuzu okuQinisekisa okuPhezulu. Izigameko ezihlanganisiwe zihlanganisa ukufa, ukugula, noma izenzo zokuphila (kuhlanganise nomsebenzi wejury) womhambi, noma izenzakalo ezimbi ezibandakanya isimo sezulu esibi, umsebenzi wesigebengu noma ukuphanga, kanye nokuqedwa komhlinzeki wokuhamba.
Ngaphezu kwalokho, i-Chase Sapphire Ekhethiwe inikeza nezinzuzo eziningana zamakhadi esikweletu kulabo abasebenzisa leli khadi ukuthenga ukuhamba kwabo, kufaka phakathi ukuthunyelwa kwezimpahla zokulibaziseka kanye nosizo oluphuthumayo ngenkathi behamba.
03 ka 06
Ukuhlehliswa Kwempahla Okuhle kakhulu: I-Citi Prestige Card
I-Citibank Ezimweni eziningi, ukubambezeleka kwemithwalo kunenzuzo kusuka kumgomo womshuwalense wokuhamba ngekhadi lesikweletu noma inzuzo yomshuwalense wokuhamba ngezinkampani zangaphandle idinga ukuthi umhambi abe nezinto zakhe eziphambene nesikhathi esithile. Iningi lemigomo embonini idinga ukuthi imithwalo ilahleke phakathi kwamahora ayisithupha nambili ngaphambi kokuba izinzuzo zisebenze.
Yilokho okwenza i-Citi Prestige Card ibe enye yamakhadi ahamba phambili kulabo abavame ukuhlola imithwalo yabo endaweni yabo yokugcina. I-Citi Prestige Card inika ku-$ 500 ngezinzuzo zokulibazisa umthwalo ngomhambi ngamunye, uhambo ngalunye, uma umthwalo ungafiki kumhambi phakathi kwamahora amathathu. Ukuze kusebenze le nzuzo, abahambi kumele bathenge uhambo lwabo ngokusebenzisa i-Citi Prestige Card yabo, noma ngokuqondile nama-ThankYou Amaphuzu ayenziwe ekusebenziseni ekhadini.
Ngaphambi kokuqhubeka nokuchitha isikhala lapho umthwalo ulahlekile, qiniseka ukuthi uyaqonda ukulinganiselwa kokuzuzwa. Inzuzo ngeke ihlanganise ukuthengwa kwanoma yini engekho emithwaleni elahlekile, futhi ngeke imboze imithwalo elahlekile ekuhambeni okubuyela endaweni yokuhlala oyisihambi.
04 ka 06
Okuhle Kokulahlekelwa Kwezimpahla: Chase Inkinobho Yomsebenzi Okuthandwayo
Chase Nakuba abaningi bebheka amakhadi esikweletu esikhwameni ukuba agcinwe ngokuqondile ukuze kusebenze izinkampani ezisebenzayo, abantu abanekhredithi enhle abaqala ibhizinisi elincane bangase bafanelekele ikhadi lesikweletu sebhizinisi. Ngenxa yalokho, abantu abaningi bangazuza ezinzuzo eziza nekhadi lebhizinisi elincane - kuhlanganise nezinzuzo zomshuwalense wokuhamba.
Ikhadi lesikweletu lesibhizinisi elihamba phambili elinenzuzo yomshuwalense wokuhamba yi-Chase Ink Business Ekhethiwe, ehlinzeka ngokuvikela okuningi kubanikazi bamakhadi. Enye yezinzuzo ezibaluleke kakhulu eziza nale khadi ukuvikelwa kokulahlekelwa kwempahla . Uma kwenzeka isithwali esivamile (njenge-airline, u-opharetha, noma umugqa wokuhamba ngezinyawo) ulahlekelwa imithwalo yomgibeli, i-Chase Ink Business Ekhethiwe ihlinzekela ku-$ 3,000 ngokubuyiselwa.
Enye inzuzo ehlinzekwa kuphela nge-Chase Ink Business Okukhethwayo ihlanganisa ukufakwa kwefoni yeselula. Uma umuntu ohamba ngengozi elimaza umakhalekhukhwini, elahlekelwa yocingo, noma eyebiwe ifoni, iKhadi elikhethwa yiBhange eliKhethiwe lingase linikeze izinzuzo ezibhekene nefoni entsha.
05 ka 06
Izingozi Ezokuvakasha Okuhamba phambili: Chase JP Morgan Reserve
Chase Bank NA Abahambi bezokunethezeka abanobudlelwane nosizo lwe-Chase Private Banking, amakhadikhredithi aphezulu ekupheleni anganikeza amazinga okuvikelwa ama-elite. Lokhu kuyiqiniso ngekhadi lesikweletu le-Chase JP Morgan Reserve, elitholakalayo kulabo amakhasimende abathandwayo kwelinye lamabhange amakhulu eMelika.
Abagibeli abathenga uhambo lwabo lokuhamba ngekhadi le-JP Morgan Reserve bangafinyelela izinzuzo eziphuthumayo uma kwenzeka kwenzeka ingozi. Abagibeli abangaphezu kwamakhilomitha angaphezu kwamakhulu ayisishiyagalolunye ukusuka ekhaya labo eliyinhloko bangathola ukukhokhelwa kuze kube ngu-$ 2,500 ezindleko eziphuthumayo zezokwelapha nezamazinyo njengomphumela wokulimala, kuyilapho labo abadinga ukuphuthumayo noma ukuhamba ngezimoto bangathola imali engama-$ 100,000. Ukwengeza, uma labo bahambayo behlangabezana nengozi eholela ekufeni noma ekuqothulweni, abahambi bangathola imali engaba yizigidi eziyizigidi ezingu-1 ku-akhawunti emva kokuphuthumayo.
Ngenkathi izinzuzo ziyi-commiserate namakhasimende akhethwayo abamba leli khadi, afaka isicelo futhi alamukelwe ukuthi leli khadi liphakeme kakhulu. Ukuze kucatshangelwe, abahambi kumele babe nobuhlobo neBhankan Client Private Client, okufanele bahambise isicelo sabo egameni labo.
06 ka-06
Okungcono kakhulu Ukuphunyuka Kwezokwelapha: I-Platinum Card Evela ku-American Express
American Express Enye yezinkathazo ezinkulu zamanye amazwe ahamba ngengozi edinga ukukhishwa kwezokwelapha. Ukuhamba nge-ambulensi emoyeni kwisikhungo esibhedlela esifanelekayo kungadla amashumi ezinkulungwane zamaRandi ngaphambi kwezindleko zokwelashwa.
Kulabo abahamba kude nekhaya kaningi, i-Platinum Card evela e-American Express inikeza izinzuzo zokuphuthumisa abantu abahamba ngezinyawo ngesikhathi esivela ekhaya . Uma kwenzeka umhambi edinga ukunakekelwa kwezokwelapha futhi udokotela wezokwelapha enquma ukukhishwa kwezokwelapha kuyadingeka, i-Premium Global Assistance Hotline (etholakala kubo bonke abanikazi bamakhadi asePlatinum) ingaqondisa ukukhishwa kwezokwelapha kusukela ekuguleni noma ekulimazeni. Ukuze usebenze le nzuzo, ukuhamba kufanele kuhanjiswe nge-American Express - futhi uma kwenziwa kahle, angeke wengeze izindleko ezengeziwe kumhambi.
Ngenkathi le nzuzo ingaba yinto ebaluleke kunazo zonke kuzo zonke izinzuzo ezingenhla, ifika nemingcele ethile. Okokuqala, ikhadi liza nemali engu-$ 550 yonyaka - eyinto eshibhile kakhulu kunezokukhishwa kwezokwelapha, kodwa ebiza kakhulu kunezinye amakhadi amaningi. Okwesibili, izinzuzo zingasebenza kuphela ngenxa yengozi yangempela. Ukulimala noma ukugula okuzimele noma umphumela wezenzo zempi kungenzeka ukuthi awufaneleki.
Ukulinganiselwa kwezinqubomgomo ze-Insurance Card Travel Insurance
Njenganoma iyiphi inqubo yomshuwalense wokuhamba, kunamanani okulinganiselwa okumele uwacabangele ngaphambi kokusebenzisa izinzuzo. Kwezinye izimo, izinzuzo okukhulunywe ngazo zingase zibe ukuthunyelwa kwesibili kuphela. Ngenxa yalokho, umhlinzeki womshuwalense wokuhamba angadinga abahambi ukuba bafakele isinxephezelo eminye imithombo, kubandakanya abahlinzeki bomshuwalense oyinhloko noma abathwali abathintekayo. Omunye umgwaqo ovamile abahambayo abavame ukubona ukuthi imigomo nemibandela yomhlomulo ngamunye. Isibonelo: uhlelo lokukhansela kohambo alufani necebo lokuthi " Khansela nganoma yisiphi isizathu ", okusho ukuthi abahambi abazama ukukhansela uhambo lwabo ngenxa yesizathu esingavumelwanga bangase bashiywe babambe umtsetfosivivinywa ohambweni lwabo.
Ngaphambi kokusebenzisa noma iyiphi inzuzo yomshuwalense wokuhamba, qiniseka ukuthi uyaqonda yonke imigomo nemibandela elawula inzuzo. Kubalulekile ukufaka ikhophi yomhlahlandlela wokuhlomula ngekhadi ngesitokisi esiphuthumayo sokuhamba, bese ufonela umhlinzeki wekhadi lesikweletu ngaphambi kokusebenzisa inzuzo ukuqonda ukuthi inqubo yesimangalo isebenza kanjani.
Ngenkathi umshuwalense wokuhamba njalo umqondo omuhle ukuhamba ngamazwe, abahambeli abaningi bangase babe nezinga lokubamba ngaphandle kokuqaphela. Ngokuqonda izinzuzo ezivele zikhona ngamakhadi esikweletu atholakalayo kalula, abahamba ngamazwe bangakwazi ukuhlala bephephile, bevikelekile futhi bevikelekile ngenkathi bebona umhlaba.