Ingabe uthola lokho okulindelekile ngekhadi lakho lomvuzo wokuthembeka?
Ezinyangeni ezimbalwa ezedlule, ngabhala mayelana nendlela yokukhetha ukwethembeka umvuzo wekhadi lesikweletu okulungile kuwe . Kodwa ukwethembeka kuvuza amakhadi esikweletu kunjengobuhlobo obuningi. Njalo kanye ngesinye isikhathi, udinga ukuthatha isinyathelo emuva bese ubuza, "Ingabe lokhu kungisebenza kimi?"
Ngikwenza lokhu ngezikhathi zonke ngamakhadi ami wonke ngoba izimo zokuphila zivame ukushintsha, kungakhathaliseki ukuthi yizinto ezibaluleke kakhulu ekhaya, isimo somsebenzi, isimo sezindlu, isimo sezimali noma indlela yokuphila.
Sibhalisela la makhadi ngamathemba okugwedla amaphuzu futhi sisondela ekuzihlengeleleni izindiza, amahotela, izimoto eziqashisayo kanye nempahla, kepha yilokho izinto ezidlala empilweni yangempela?
Ikhadi lakho lidinga ukuhamba lapho ukhona manje. Zibuze le mibuzo ukuze uqiniseke ukuthi uthola izinzuzo ezifanele kakhulu kuwe.
Ingabe Isu Lami Lokuchitha Lishintshiwe?
Enye yezinto zokuqala ozodinga ukuyibuka kuyimikhuba yakho yokusebenzisa imali nokuthi ngabe usebenzisa empeleni ikhadi ukuze uqede amaphuzu okuthembeka. Uma ungenjalo, ngeke usondele ngokuvuna imivuzo oyilindele.
Ungathuthukisa ikhono lakho lokukhawula amaphuzu noma amamayela ngokuhambisa ezinye zezikweletu zakho nezindleko ngekhadi. Kungakhathaliseki ukuthi imali yakho yamanzi noma igesi yemoto yakho, lezo zindleko zizosheshisa izinga lakho lokuqoqa. Qinisekisa ukuthi uyazi noma yibaphi abalingani abahambisana nekhadi lakho. Lezi yizona ezivame ukunikela ngamabhonasi futhi zikuvuza ngokusetshenziswa ngaphandle kwezinga elijwayelekile lokusebenzisa imali eyodwa.
Isibonelo, ikhadi le-American Express Premier Rewards Gold likunika izikhathi ezintathu amaphuzu wezindiza.
Ingabe Ngijabulela Zonke Izinto Zami?
Ikhadi lakho lokukhokhela ukuvakasha kungenzeka ukuthi lafika ngokufa kwezinzuzo. Uyaziwa nabo bonke? Qinisekisa ukuthi uyazi lokho okunikezwayo futhi usebenzise ngokunenzuzo lokho okufanele ukwenze.
Lokhu kungasho ukuthi kukhona ukuvikeleka kwe-inshuwalense ngezinto ezifana nokulibala ukuhamba, imithwalo elahlekile, izimoto eziqashiwe, izimo eziphuthumayo zezezokwelapha, iziqinisekiso ezinwetshiwe kanye nokuthengiswa kwempahla.
Uma uhamba, ikhadi lakho kufanele libe umngane wakho ohlala njalo. Izinkampani eziningi zinikeza amanani angcono ekuthengisweni kwamanye amazwe kunamabhange. Isibonelo, Chase Sapphire Okukhethwe yikhadi elilodwa elikusiza ukuthi udidele lezo zimali zokuthengiswa kwamanye amazwe.
Kubalulekile futhi ukuhambisana nanoma yiziphi izinguquko zenqubomgomo. Izinkampani zihlale zilungiswa kahle ngeminikelo yazo, zakha amabhonasi, zishintsha amazinga wokuhlengwa, izinsuku zokugcina, izimali, izinsuku zokuphela kanye nemithetho yokusetshenziswa. Uma lezo zinguquko zingekho esivumelwaneni sakho noma zikhulule amaphuzu akho enqabelayo, kungase kube yisikhathi sokuqeda ikhadi lakho.
Ngenhlanhla kubathengi, ubuqotho buvuza ibhizinisi lekhadi lincintisana kakhulu, futhi izinkampani zihlale zikhuphuka ngamabhonasi angcono okubhalisela amakhasimende amasha. Buka amadili lapho imali ekhokhwa khona ngonyaka ikhishwa khona - indlela enhle yokuzama ikhadi elingenayo ingozi.
Iyini umdlalo wami wokugcina?
Lapho uqala ukubhalisela ikhadi lakho lesikweletu, kungenzeka ukuthi wenza kanjalo ngomgomo engqondweni. Mhlawumbe kwakuqhaqhazela ngamakhilomitha anganele ukuze uhambe ngekhefu lomkhaya eHawaii, noma mhlawumbe uqoqe ngamathemba wokuwasebenzisa ukukhokhela umshado oya khona.
Ingabe izindiza zisengumgomo wakho oyinhloko wokuqoqa? Uma izinto zakho eziza kuqala ziguqukile futhi ungathanda ukuba nenkokhelo emuva noma ukuhlala kwehhotela ngezinhlelo ezifana nemivuzo yama-Marriott, ungase uthande ukucubungula isicelo sekhadi elifanelana nezidingo zakho zamanje.
Ingabe Kukho Imali Yonyaka?
Uma ukhokha imali yonyaka yokuphatha ikhadi lokukhokhela umjikelezo, awufuni ukuba msinya kakhulu ekujuleni umkhumbi. Uzofuna ukuxhumana nomkhiphayo ukuze uthole ukuthi ngabe unamathele ukukhokha yonke imali uma ukhetha ukukhansela. Abanye abathumeli bangakunika imali ebuyisiwe ngokusekelwe isikhathi eside ususebenzise ngayo ikhadi. Kuyinto okumele uyicabangele.
Imali yakho yonyaka yinto eyodwa ebalulekile ekunqumeni ukuthi ubuqotho bakho buvuza ikhadi lukusebenzela yini. Uma ingalokothi iphume esikhwameni sakho, awutholi imali yakho. Ngaphezu kwalokho, amaphuzu kuma-akhawunti angasebenzi asemngciphekweni wokuphelelwa yisikhathi, abanikeze bangenanzuzo.
Qinisekisa ukuthi uhlola izinqubomgomo zenkokhelo yekhadi lakho. Ikhadi elisetshenzisiwe kahle (okusemandleni akho, yebo) yilokhu okukhethayo njalo ukuthola imivuzo oyifunayo kakhulu.