Uma ukwenza izinqumo zezimali ezihlakaniphile kungenye yemigomo yakho kulo nyaka, ukhetha umvuzo wekhadi lesikweletu kufanele ube phezulu ohlwini lwakho. Kodwa ngezinketho eziningi kangaka lapho, kungase kube mandla ukukhetha okulungile kuwe.
Nazi imibuzo embalwa ukuze uqale:
Uhlobo Luni Lomthengisi?
Okokuqala, thola amaphethini wakho wokusebenzisa. Yini okungenzeka ukuthi uyothenga ngemiklomelo yakho yekhadi lesikweletu - ukuthengwa kwansuku zonke njengokuthengwa kanye negesi noma izinto ezinkulu zetiketi ezifana ne-TV entsha noma ithebulethi?
Uma ungumphathi omkhulu futhi uzosebenzisa ikhadi lakho lokuthenga okukhulu, bheka amakhadi anemali yonyaka. Nakuba iningi lethu ligijima ngenye indlela uma sibona imali yonyaka, lezi zinhlobo zamakhadi empeleni zithatha abachitha imali enkulu, okusho ukuthi uzothola izinzuzo ezingcono (nokuningi).
Uma ubheka ukwakha isikweletu sakho, ngokuthenga okuncane, okuvamile njengomgomo wakho, bheka ikhadi lokuvuza elikunika amaphuzu engeziwe kanye namabhonasi ngokusekelwe ezintweni ezivamile, ezithengiwe ezincane ezifana nophethiloli noma ukudla. Futhi gwema amakhadi adinga ibhalansi encane ukuze uthole imivuzo.
Uma ungumuntu ohamba phambili njalo, ungumuntu ozobhapathizwa ngokuyinhloko ukuthola umvuzo wekhadi lesikweletu. Ngaphambi kokubuka izinhlobo ezahlukene zemiklomelo yokuvakasha amakhadi esikweletu, qiniseka ukuthi ubuka amakhadi akhiphe izimali zokuthengiswa kwamanye amazwe futhi adinga ukuthi usebenzise iphini (chip-ne-PIN) kunokuba nje isignesha yokuthengiselana, lokhu kuzosiza ukwenza uqiniseke ukuthi uyakwazi ukusebenzisa ikhadi lakho phesheya.
Uhlobo Luni Lemivuzo Olufunayo?
Uma usuqaphele ukuthi yiluphi uhlobo lwekhadi olungcono kakhulu ekusetshenzisweni kwakho, isinyathelo esilandelayo ukuhlola ukuthi hlobo luni lomvuzo onethemba lokuwuthola. Imiphi imivuzo ebaluleke kakhulu kuwe?
Uma ufuna ukuzibophezela ekuzuzeni bese usebenzisa imivuzo yakho konke endaweni eyodwa, bheka amakhadi omvuzo okuvumela ukuba udlulisele amaphuzu akho kwezinye izinhlelo zokuthembeka, njengeMigomo Yobulungu be-American Express noma iMinglorious Rewards.
Lawa makhadi akuvumela ukuba uthole amaphuzu ngekhadi lakho futhi uwadlulisele ohlelweni lobuqotho labalingani abahambahambayo nabathengisi abahlukahlukene futhi uguqule lawo maphuzu athola amaphuzu okuthembeka namanye amahlelo. Kodwa ngalokhu kuguquguquka, kuyisihluthulelo ukuthi uhlale uhleliwe nazo zonke izinhlelo zakho ukugwema izinhlinzeko ezingekho noma izinsuku zokuphela kwesikhathi.
Uma uhamba ngezindiza ezithile noma izinkampani zokubhuka ngezinketho ezithile zehhotela, bheka amakhadi ahlobene nalawo mabhizinisi, njenge-United MileagePlus Explorer noma i-Citi Hilton HHonors Reserve. Lawa makhadi azokusiza uthole umvuzo omkhulu wokusebenzisa kwakho.
Yini ephrinta elihle?
Manje njengoba usule phansi izinketho zekhadi lakho lomvuzo ngokusekelwe kokusebenzisa kwakho nokuncamelayo kokuzikhethela, zibuze le mibuzo ngaphambi kokubhalisa.
Yini okungenani okufanele uyisebenzise ukuze uthole umvuzo ?: Kungenzeka ukuthi ubone izinkampani zekhadi lesikweletu zikukhohlisa ngamabhonasi angena ngemvume, kodwa izikhathi eziningi lezi amabhonasi zidinga ibhalansi encane ukuze uzuze ngempela. Qinisekisa ukuthi uhlola ubuncane bese uhlola amathuba okuba uzokwazi ngempela ukuthola lowo mvuzo.
Ingabe kukhona usuku lokuphelelwa yisikhathi lwemiklomelo? Amanye amakhadi okuvuza adinga ukuthi usebenzise umvuzo wakho ngokungakapheli konyaka, kanti amanye akuvumela ukuthi usebenzise leyo mivuzo uma nje ikhadi livulekile.
Qinisekisa ukuthi usuku lokuphelelwa yisikhathi somvuzo yilezi zindlela ezikusebenzela ngaphambi kokubhalisa, futhi emva kokukhetha ikhadi lakho, gcina amehlo akho ngalezo zinsuku.
Ingabe kunombundu wokuhlengwa noma i-cap? Amanye amakhadi adinga ukuthi uqoqe inani elithile lamaphoyinti ngaphambi kokuba uthole inani eligcwele, futhi abanye akuvumela ukuba uthole imali ethile kuphela emkhatsini wesikhathi. Hlola lezi zinkcazelo ngaphambi kokuvula ikhadi ukuze uqiniseke ukuthi zingaki umvuzo ozothola ngempela, futhi uzokwazi, uzuze futhi uchithe.
Ngemivuzo eminingi kangaka amakhadi esikweletu atholakalayo, kubalulekile ukuthola ikhadi elifanele kakhulu indlela yakho yokuphila.Ukuze usebenzise ngokugcwele ikhadi lomvuzo, yazi ukuthambekela kwakho kwemali, thola ukuthi yiziphi izinhlobo zemali oyifunayo futhi uqiniseke ukuthi ufunda ukuphrinta okuhle.