Amathiphu we-Savvy wokuthola okungaphezulu

Ukudlulisa Imiklomelo Yokwethembeka

Wenzé zonke izinto ezilungile ukwakha isamba semikhumbi enempilo namaphoyinti-ukusebenzisa ngokunemali amabhonasi wokubhalisa kanye nezinhlinzeko ezikhethekile kusuka kumvuzo wakho wesikweletu sesikweletu futhi usebenzisa ikhadi lakho ngokuhlakanipha. Manje, une-sum sum, ekulungele ukuhlenga izinto ezihlukahlukene, ukuthuthukiswa, namahholo. Lokhu akungabazeki ukuthi yingxenye enhle kakhulu kunazo zonke zokuqoqa amaphuzu.

Abanye abanikezeli bekhadi lesikweletu bayakuvumela ukuthi lawo maphuzu atholakele abe yikheshi (ngokuvamile ngesilinganiso sekhulu elilodwa iphuzu ngalinye), kodwa kungani ungalokothi uphuphe amakhulu nakakhulu?

Leli holide elishisayo, ithikithi lokuqala, ikhamera entsha yekhamera yedijithali, noma impelasonto esiteshini sezinkanyezi ezinhlanu konke okukhona, ngenxa yezinye izinhlelo zokuthembeka ezihambisana nomvuzo wakho wekhadi lesikweletu.

Ukukhetha uhlelo

Bhalisela izinhlelo zokwethembeka ngezinhlinzeko ezihambisana nawe, ngokusekelwe ezithakazelweni zakho nokuphila kwakho. Lokhu kungafaka noma yikuphi okuvela ku-spree yezitolo ku-Amazon.com noma amathikithi wamakilasi ebhizinisi eBrazil. Gcina amanje nanoma yisiphi ishintsho izinhlelo zakho ozithandayo ezenziwe. Isibonelo, izinkampani zekhadi lesikweletu zihlala zengeza ozakwabo abasha. Imiklomelo Yobulungu be-American Express isanda kwamamukela u-Uber no-Plenti, enikeza ukufinyelela kwezimpahla namasevisi kusuka kumagama amakhulu afana ne-Exxon, National and Macy's.

Uma unamaphuzu efafazwe ngezinhlelo eziningi zokuthembeka, cabangela ukuwadlulisela ohlelweni olulodwa ukuze ukwandise amandla abo okuhlengwa. Ukuze uthole iholidi lezinsuku ezingu-10 eFrance ehlobo elizayo, uzofuna ukubeka amaphuzu akho ebhasikisini elifanayo ukwenza lolu hambo libe ngokoqobo.

Ukuthola I-Value Iningi

Njengezinto eziningi empilweni, isikhathi siyizinto zonke. Lokhu kuyiqiniso uma kuziwa ekudluliseni amamayela namaphoyinti. Uma u-savvy, ungakwazi ukungena ezihlinzekweni ezikhethekile lapho amabhonasi amahle amnandi (amaphuzu amaningi!) Anikezwa kubaqoqi.

Izinhlelo zokuthembeka zifuna ukuthi uzikhethele (ngaphezu kwabancintisana nabo) ukuba uzamukele amaphuzu akho ayigugu ngakho bazokulinga ngokukhushulwa kwesikhathi esincane.

Abaqoqi be-Smart babhalisela ukuqhuma kwe-imeyili kanye nezixwayiso zombhalo ukuze uthole izindaba zakamuva nezinhlinzeko. Futhi, yenza iphuzu ukulandela labo abalingani kuma-social media ukuze uthole amadili ama-flash akhethekile, futhi ulungele ukuthatha isenzo uma ubona.

Ukunquma ama-Ratios ama-Best Transfer Ratios

Ngokuvamile, ukuthembeka kwamakhadi akho ekhadi lesikweletu namaphoyinti kungadluliselwa kwabanye abalingani bokuhlanganyela kohlelo lobuqotho ngenani le-1: 1 - okusho amaphuzu akho angu-50,000 Citi Thank You®, isibonelo, azoba ngama-50,000 ama-Flying Blue Award Miles (ekhokhelwa nge-Air Izindiza zeFrance ne-KLM).

Ngezinye izikhathi uzothola ama-generos amaningi lapho, ngokwesibonelo, lawo maphuzu angu-1,000 akwa-Thank You® angeke akhombe ama-1,500 ama-Hilton HHonors. Uhlelo lokwethembeka ngalunye lunemigomo yalo, ngakho qiniseka ukuthi uyabheka. Futhi qaphela izinto ezifana nezindleko ezincane nezindleko zokudlulisela, ukuphelelwa yisikhathi, nezinsuku ezimnyama.

Ama-globetrotters amaningi anjengekhadi lesikweletu elikhethwe yi-Chase Sapphire. Ihlinzeka izikhathi ezimbili amaphuzu ekuthengiseleni kokuhamba nokudlela. Uma ungumnikazi wamakhadi we-Chase Sapphire, sebenzisa lawo maphuzu e-Chase Ultimate Rewards ngokulinganisela okugcwele (isilinganiso esingu-1: 1) nezinhlelo zokuhamba ezihamba phambili ezindizeni ezivela eBrithani Airways, e-United States, e-Korean Air, eningizimu-ntshonalanga naseVirgin Atlantic, noma ehhotela ehlala ne-Hyatt, I-Marriott, I-Ritz-Carlton, ne-IHG.

Ihlela njalo phambili

Uma usulungele ukuhambisa amaphuzu akho kumlingani wohlelo lokwethembeka, khumbula ukuthi akuzona zonke ukudluliselwa okwenzekayo ngokushesha - ezinye zingathatha amahora ambalwa noma ngisho nezinsuku ezimbalwa. Yilokho okungase kudingeke ukuthi uhlele lapho uvikela izindiza namahhotela. Izindaba ezinhle ukuthi, izindiza ezindizayo (njengeLufthansa ne-American) zikuvumela ukuba ufake isihlalo somklomelo ekubambeni, sikunike isikhathi esincane sokudluliselwa kwamamayela namaphoyinti ukuze ufinyelele i-akhawunti yakho.

Isiphakamiso esisodwa sokugcina: uma kuziwa ekunqumeni ukuthi ungadlulisela kuphi amaphuzu akho nokuthi ungawahlenga kanjani, ochwepheshe abaningi bayavuma ukuthi basetshenziswe kangcono ekuhambeni ngokuhambisana nemivuzo engekho yokuhamba njengempahla. Njengoba unezinhlobonhlobo zokukhetha uma kuziwa ezithengweni zamanani angcono kakhulu kwezimpahla ezweni langempela, ungaqeda ukukhokha okuningi kusayithi lokuthenga elixhunywe ohlelweni lwakho lokwethembeka.

Lezi zindaba ezinhle kulabo abane-wanderlust. Izwe lilindele!