4500 Credit Card Type (Visa Credit Card Numbers, IIN/BIN List, Nruab Nrab Credit Limit, thiab Credit Card Interest and Payoff Calculators)
Table of Contents
Koj puas xav paub hom twg credit card pib nrog 4500? Yog li peb tau, thiab peb muaj cov txiaj ntsig rau txhua yam ntawm 4500 credit card.
Txhua daim npav rho nyiaj muaj 15 lossis 16 tus lej, uas yuav zoo li ib txoj hlua tsis sib xws, tab sis lawv yog cov lej tshwj xeeb. Cov lej ntawm daim npav rho nyiaj txheeb xyuas tus neeg tuav daim npav thiab qhia txog hom daim npav, tus tshaj tawm daim npav, thiab tus lej tus lej tseem ceeb. Tus lej kawg ntawm daim npav, hu ua tus lej kos, yog siv los txheeb xyuas tias koj nkag mus rau tag nrho lwm tus lej raug. Yog li, credit card naj npawb tsis yog tsuas yog random hlua ntawm tus lej - lawv muaj ntau cov ntaub ntawv tseem ceeb.
Hom credit card pib nrog 4500? (Qhia daim npav siv thawj tus lej)
Daim npav rho nyiaj pib nrog 4500 yog ib daim npav Visa. Los ntawm peb cov npe ntawm 4500 BIN tus lej ntxiv hauv qab no, peb kuj paub tias 31 lub tsev txhab nyiaj sib txawv thiab cov tuam txhab nyiaj txiag tau tshaj tawm 4500 daim npav.
Peb paub li cas daim npav 4500 yog Visa? Thawj tus lej ntawm txhua daim npav ua haujlwm raws li Tus Txheej Txheem Kev Lag Luam Loj (MII) thiab qhia txog daim npav network. Hauv peb cov ntaub ntawv, thawj tus lej ntawm daim npav yog 4, uas txhais tau tias daim npav yog a visa. Yog tias thawj tus lej yog 3 nws yog American Express, Diner's Club, Carte Blanche, lossis JCB card. Thaum daim debit lossis credit card pib nrog 2 lossis 5, nws yog Mastercard, thaum daim npav Discover thawj tus lej yog 6. Daim npav uas pib nrog tus lej 1 yog nyob rau hauv kev lag luam dav hlau, thaum cov tuam txhab roj av muab daim npav pib nrog 7.
Cov lej ntawm daim npav ntxiv txhais li cas?
Tam sim no peb paub tias daim npav rho nyiaj pib nrog 4500 yog daim npav Visa muab los ntawm ib qho ntawm 31 lub tsev txhab nyiaj sib txawv thiab cov tuam txhab nyiaj txiag, peb tuaj yeem txiav txim siab seb tus lej seem txhais li cas. Tus lej thib 2 txog 6 tus lej qhia txog daim npav rho nyiaj thiab hom credit card. Hmoov tsis zoo, peb tsuas muaj 3 ntawm tsib tus lej no ('500').
Hmoov zoo, peb tseem tuaj yeem siv peb tus lej uas peb muaj ('500') los txiav txim rau 4500 credit card issuer. Peb tuaj yeem ua qhov no los ntawm kev siv daim npav thawj plaub mus rau rau tus lej, uas yog hu ua "Issuer Identification Number" (IIN) lossis "Bank Identification Number" (BIN tooj). Los ntawm nrhiav tus lej BIN, peb tuaj yeem txiav txim siab seb lub txhab nyiaj lossis lub tuam txhab nyiaj txiag twg muab daim npav.
BIN/IIN daim ntawv teev npe rau Visa muab credit thiab debit cards pib nrog 4500
Tom qab tshawb nrhiav qhov teeb meem ntxiv, peb pom cov lus teb rau hom credit card pib nrog 4500. A debit los yog daim npav rho nyiaj pib nrog 4500 yog ib qho ntawm 100 hom Visa credit lossis daim npav rho nyiaj tawm los ntawm 31 lub tsev txhab nyiaj sib txawv thiab cov tuam txhab nyiaj txiag.
Hauv qab no yog cov ncauj lus kom ntxaws BIN / IIN rau 100 qhov sib txawv 4500 credit card thiab debit cards. Daim ntawv teev npe suav nrog daim npav BIN/IIN, daim npav network, daim npav hom, daim npav rho tawm, thiab lub tebchaws teeb meem.
BINs/IINs los ntawm 450000 mus rau 450010 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450000 yog ib daim npav Visa Kub uas muab los ntawm Unibanca, SA hauv Peru
- 450001 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450002 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450003 yog Visa Infinite credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450004 yog daim npav Visa Lag Luam uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450005 yog daim npav Visa Lag Luam uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450006 yog Visa Platinum daim debit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450007 yog daim npav Visa Classic uas muab los ntawm Unibanca, SA hauv Peru
- 450008 yog Visa Gold credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450009 yog daim npav Visa Classic uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450010 yog ib daim npav Visa Electron uas muab los ntawm Inteligo Bank, Ltd. hauv Bahamas
BINs/IINs los ntawm 450011 mus rau 450020 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450011 yog daim npav Visa Classic uas muab los ntawm Banco Nrov hauv Colombia
- 450012 yog ib daim npav Visa Classic uas muab los ntawm Mongol Post Bank hauv Mongolia
- 450013 yog daim npav Visa Classic uas tau muab los ntawm Mongol Shyydan Bank hauv Mongolia
- 450014 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450015 yog daim npav Visa Kub daim npav rho nyiaj tawm los ntawm Mongol Post Bank hauv Mongolia
- 450016 yog daim npav Visa ua lag luam tawm los ntawm Mongol Post Bank hauv Mongolia
- 450017 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450018 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450019 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450020 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
BINs/IINs los ntawm 450021 mus rau 450030 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450021 yog daim npav Visa Classic uas muab los ntawm Univerzal Banka AD hauv Serbia
- 450022 yog Visa Electron debit card uas muab los ntawm Univerzal Banka AD hauv Serbia
- 450023 yog ib daim npav Visa Lag Luam uas muab los ntawm Univerzal Banka AD hauv Serbia
- 450024 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450025 yog ib daim npav Visa Classic uas muab los ntawm BC Card Co., Ltd. hauv South Kauslim
- 450026 yog Visa Platinum credit card uas muab los ntawm FIA Card Services, NA (National Association) hauv Tebchaws Meskas
- 450027 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450028 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450029 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450030 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
BINs/IINs los ntawm 450031 mus rau 450040 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450031 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450032 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450033 yog daim npav Visa Classic uas muab los ntawm Deutscher Sparkassen Und Giroverband (DSGV) hauv Tebchaws Yelemees
- 450034 yog daim npav Visa Classic uas muab los ntawm Banco Ripley, SA hauv Peru
- 450035 yog daim npav Visa Classic uas muab los ntawm Banco Ripley, SA hauv Peru
- 450036 yog daim npav Visa Classic uas muab los ntawm Zaminbank OJSC hauv Azerbaijan
- 450037 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450038 yog Visa Electron debit card uas muab los ntawm Zaminbank OJSC hauv Azerbaijan
- 450039 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450040 yog ib daim npav Visa Classic uas muab los ntawm Belarussky Narodny Bank (Belarusian People's Bank OJSC) hauv Belarus
BINs/IINs los ntawm 450041 mus rau 450050 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450041 yog daim npav Visa Kub daim npav rho nyiaj tawm los ntawm Belarusky Narodny Bank (Belarusian People's Bank OJSC) hauv Belarus
- 450042 yog daim npav Visa Electron debit los ntawm Belarussky Narodny Bank (Belarusian People's Bank OJSC) hauv Belarus
- 450043 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450044 yog daim npav Visa Classic uas tau muab los ntawm National Bank of Malawi hauv Malawi
- 450045 yog daim npav Visa Kub daim npav rho nyiaj tawm los ntawm Standard Bank Limited Malawi hauv Malawi
- 450046 yog Visa Electron debit card uas muab los ntawm Standard Bank Limited Malawi hauv Malawi
- 450047 yog Visa Electron debit card uas muab los ntawm Standard Bank Limited Malawi hauv Malawi
- 450048 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450049 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450050 yog Visa Classic daim npav rho nyiaj tawm los ntawm Citibank, AS hauv Turkey
BINs/IINs los ntawm 450051 mus rau 450060 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450051 yog ib daim npav Visa Kub uas muab los ntawm Citibank, AS hauv Turkey
- 450052 yog Visa Platinum credit card uas muab los ntawm Ziraat Bankasi hauv Turkey
- 450053 yog daim npav Visa Classic uas muab los ntawm Volksbank Romania, SA hauv Romania
- 450054 yog daim npav Visa Kub uas muab los ntawm Volksbank Romania, SA hauv Romania
- 450055 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450056 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450057 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450058 yog daim npav Visa Kub uas muab los ntawm Banco Bradesco Cartoes, SA hauv Brazil
- 450059 yog Visa Classic daim npav rho nyiaj tawm los ntawm Banco de la Produccion, SA (Produbanco) hauv Ecuador
- 450060 yog Visa Gold credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
BINs/IINs los ntawm 450061 mus rau 450070 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450061 yog Visa Gold credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450062 yog Visa Gold credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450063 yog daim npav Visa Classic uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450064 yog Visa Gold credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450065 yog Visa Platinum credit card uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450066 yog daim Visa Classic credit card muab los ntawm FIA Daim Npav Cov Kev Pabcuam, NA hauv Tebchaws Meskas
- 450067 yog daim Visa Classic credit card muab los ntawm FIA Daim Npav Cov Kev Pabcuam, NA hauv Tebchaws Meskas
- 450068 yog Visa Classic daim npav rho nyiaj pib los ntawm MBNA America Bank, NA hauv Tebchaws Meskas. Lub txhab nyiaj tam sim no yog Bank of America, NA
- 450069 yog Visa Classic daim debit card uas muab los ntawm Lub Hom Phiaj Bank hauv Tebchaws Meskas
- 450070 yog daim npav Visa Classic uas muab los ntawm Banco Uno, SA hauv El Salvador
BINs/IINs los ntawm 450071 mus rau 450080 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450071 yog daim npav Visa Classic uas muab los ntawm Banco Uno, SA hauv El Salvador
- 450072 yog daim npav Visa Classic uas muab los ntawm Banco Uno, SA hauv El Salvador
- 450073 yog daim npav Visa Classic uas muab los ntawm Zenith Bank Plc hauv Nigeria
- 450074 yog daim npav Visa Kub uas muab los ntawm Zenith Bank Plc hauv Nigeria
- 450075 yog daim npav Visa Platinum muab los ntawm Zenith Bank Plc hauv Nigeria
- 450076 yog daim npav Visa Classic uas muab los ntawm Intesa Sanpaolo Banka hauv Bosnia thiab Herzegovina
- 450077 yog daim npav Visa Electron debit los ntawm Intesa Sanpaolo Banka hauv Bosnia thiab Herzegovina
- 450078 yog ib daim npav Visa Lag Luam uas muab los ntawm Intesa Sanpaolo Banka hauv Bosnia thiab Herzegovina
- 450079 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450080 yog Visa daim npav rho nyiaj los ntawm Vazcorp Sociedad Financiera, SA hauv Ecuador
BINs/IINs los ntawm 450081 mus rau 450090 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450081 yog daim npav Visa Kub uas muab los ntawm Interdin SA Emisora y Administradora de Tarjetas de Credit hauv Ecuador
- 450082 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450083 yog daim npav Visa Electron debit uas muab los ntawm Zuno Bank AG hauv Czechia
- 450084 yog daim npav Visa Classic uas muab los ntawm United Bank, Ltd. hauv Pakistan
- 450085 yog Visa credit card uas muab los ntawm United Bank, Ltd. hauv Pakistan
- 450086 yog daim npav Visa Kub daim npav rho nyiaj tawm los ntawm United Bank, Ltd. hauv Pakistan
- 450087 yog Visa credit card uas muab los ntawm United Bank, Ltd. hauv Pakistan
- 450088 yog Visa Electron debit card uas muab los ntawm Eastern Bank, Ltd. hauv Bangladesh
- 450089 yog daim npav Visa Kub daim npav rho nyiaj tawm los ntawm Hongkong thiab Shanghai Banking Corporation Limited (HSBC) hauv Sri Lanka
- 450090 yog daim npav Visa Classic uas muab los ntawm Zenith Bank Plc hauv Nigeria
BINs/IINs los ntawm 450091 mus rau 450099 (Hom credit cards thiab debit cards)
[the_ad id = "8381 ″]
- 450091 yog daim npav Visa debit uas muab los ntawm Zenith Bank Plc hauv Nigeria
- 450092 yog daim npav Visa debit uas muab los ntawm Zenith Bank Plc hauv Nigeria
- 450093 yog Visa Corporate debit card muab los ntawm Zenith Bank Plc hauv Nigeria
- 450094 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450095 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450096 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450097 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450098 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
- 450099 yog daim npav Visa credit uas muab los ntawm Canadian Imperial Bank of Commerce hauv Canada
Peb cia siab no Cov ntaub ntawv credit card yog qhov muaj txiaj ntsig siv tau uas txaus siab rau koj xav paub. Txij li cov lej daim npav hloov pauv tas li thiab cov tsev txhab nyiaj sib koom ua ke lossis ua tsis tiav, qhov tseeb tsis tau lees paub.
Muaj pes tsawg 4500 credit cards thiab debit cards muaj?
Raws li tau pom hauv peb daim BIN / IIN saum toj no, muaj 100 qhov sib txawv 4500 daim npav rho nyiaj thiab daim npav rho nyiaj tawm los ntawm 31 lub tsev txhab nyiaj thiab tuam txhab nyiaj txiag.
Cov lej credit card zaum kawg txhais li cas? (Pib tus lej account thiab kos tus lej)
Tam sim no koj tau txais qhov deb, koj yuav xav paub txog lwm cov lej ntawm cov lej luam tawm ntawm koj daim npav. Tus lej 7 txog 15 yog tus lej Primary Account Number (PAN) rau feem ntau daim npav. Txhua tus lej debit thiab credit card muaj qhov tshwj xeeb yim-tus lej PAN, qhov tseem ceeb tshaj plaws ntawm tus lej credit card. Tus lej kawg, hu ua tus lej kos, yog siv los txheeb xyuas lub hom phiaj kom tsis txhob them tus lej yuav khoom tsis raug.
Thaum ntaus koj daim npav, nws tuaj yeem ntaus tus lej lossis ob tus lej yuam kev. Yog vim li cas tus lej kos, uas yog tus lej 16, muaj nyob. Cov lej kos yog siv los txheeb xyuas qhov tseeb ntawm daim npav naj npawb thiab rau kev tshawb pom ntawm typos. Daim npav network siv 'Luhn Algorithm' kom paub tseeb tias koj nkag mus rau cov lej kom raug thaum txo kev dag ntxias. Txij li txhua daim debit thiab credit card muaj ib txoj hlua tshwj xeeb ntawm cov lej, algorithm cov qauv lej tau lees paub tias tsuas yog cov lej siv tau raug them.
Ntxiv daim npav kev ruaj ntseg nta suav nrog kev sib xyaw nti, hnub tas sij hawm, daim npav pov thawj tus nqi (CVV), thiab qhov chaw nyob them nqi txuas.
Qhov nyiaj tsawg kawg nkaus ntawm $ 4500 credit card tshuav nyiaj li cas?
Qhov nyiaj tsawg kawg nkaus ntawm $ 4500 daim npav rho nyiaj feem ntau yog nyob ib ncig ntawm $ 90, tab sis nws nyob ntawm koj lub txhab nyiaj qhov yuav tsum tau them tsawg kawg nkaus. Kev them nyiaj tsawg kawg nkaus yog 1% ntawm daim npav tshuav nyiaj ntxiv rau cov paj laum thiab cov nqi lig lossis 2% ntawm daim npav tshuav nyiaj li cas.
Koj yuav tsum them tus nqi tsawg kawg nkaus txhua hli kom koj tus as-qhauj nyob hauv qhov zoo thiab zam cov nqi lig. Yog tias koj tuaj yeem them ntau dua qhov tsawg kawg nkaus, koj yuav them koj cov nyiaj tshuav sai dua thiab txuag nyiaj ntawm cov nqi paj. Ua kom koj cov nuj nqis qis qis thiab them nyiaj ntau dua qhov tsawg kawg nkaus yuav pab tau koj cov qhab nia tag nrho.
Koj puas tuaj yeem them ntau dua qhov tsawg kawg nkaus ntawm daim npav rho nyiaj? (Them tawm koj cov nuj nqis sai dua)
Yog lawm, koj tuaj yeem them ntau dua li qhov tsawg kawg nkaus credit card them. Kev them nyiaj ntau dua qhov tsawg kawg nkaus yuav pab koj them cov paj tsawg dua yog tias koj tsuas yog them nyiaj tsawg kawg nkaus xwb. Qhov tseeb, koj daim npav rho nyiaj yuav tsum sib npaug tag nrho cov nyiaj tshuav txhua hli, vim qhov no yuav cia koj tsis txhob them cov paj laum.
Credit card payoff tshuab xam zauv
Peb lub tshuab xam zauv credit card payoff cia koj xam seb nws yuav siv sij hawm ntev npaum li cas los them koj daim npav rho nyiaj. Txhawm rau siv lub laij lej, nkag mus rau koj daim npav rho nyiaj, tus paj laum (APR), thiab them nyiaj txhua hli. Peb lub laij lej yuav tom qab ntawd qhia koj tias pes tsawg lub hlis nws yuav siv sij hawm los them koj qhov nyiaj tshuav.
Peb tau sau lub laij lej ua ntej nrog piv txwv ntawm daim npav nrog $ 4500 qhov nyiaj tshuav, 21.50% APR, thiab them nyiaj txhua hli ntawm $ 300. Nrog rau cov nyiaj them txhua hli ntawm $ 300, daim npav yuav raug them tawm hauv 17.63 lub hlis (1.47 xyoo).
Txoj hauv kev los them koj cov nuj nqis credit card
Muaj ntau txoj hauv kev los them cov nuj nqis credit card, tab sis txoj hauv kev zoo tshaj yog nyob ntawm koj tus kheej qhov xwm txheej. Yog tias koj muaj nuj nqis ntau, xav txog cov nuj nqis qiv nyiaj los yog daim npav rho nyiaj sib npaug. Cov kev xaiv no tuaj yeem pab koj txuag nyiaj ntawm cov paj thiab ua kom yooj yim dua los them koj cov nuj nqis. Yog tias koj muaj cov nuj nqis tsawg dua, koj tuaj yeem them nws nrog qiv tus kheej lossis los ntawm kev them nyiaj ntxiv ntawm koj daim npav rho nyiaj uas twb muaj lawm.
Yog tias koj muaj ntau daim npav rho nyiaj sib txawv, them cov paj laum siab tshaj plaws ua ntej yog qhov zoo tshaj plaws.
Txawm koj xaiv qhov twg los xij, xyuas kom koj nkag siab cov ntsiab lus thiab cov xwm txheej ua ntej cog lus rau txhua yam.
Qhov nruab nrab credit card nuj nqis yog dab tsi?
Raws li cov ntaub ntawv los ntawm Tsoom Fwv Teb Chaws Reserve Bank of New York, qhov nruab nrab credit card nuj nqis hauv Tebchaws Meskas yog $ 5,769. Daim duab no yog raws li Tsoom Fwv Teb Chaws Reserve's Consumer Credit Panel cov ntaub ntawv.
Dab tsi yog 0 feem pua sib npaug hloov pauv?
Kev hloov pauv 0 feem pua yog thaum koj hloov koj daim npav rho nyiaj mus rau lwm daim npav nrog 0 feem pua ntawm cov paj laum pib. Qhov no tso cai rau koj kom tsis txhob them tus nqi paj paj thaum lub sijhawm pib, uas txuag koj cov nyiaj.
Daim npav rho nyiaj tshuav nyiaj li cas: Qhov nyiaj tshuav hloov credit card ua haujlwm li cas?
Ib daim npav rho nyiaj tso cai rau koj hloov qhov nyiaj tshuav ntawm ib daim npav rho nyiaj mus rau lwm daim npav rho nyiaj. Qhov no tuaj yeem yog txoj hauv kev muaj txiaj ntsig los sib sau ntau daim npav rho nyiaj rau hauv ib qho kev them nyiaj txhua hli lossis coj kom zoo dua ntawm kev tshaj tawm qhov nyiaj hloov pauv APR yam tsis muaj nqi hloov pauv.
Txhawm rau ua qhov hloov pauv nyiaj tshuav, koj yuav tsum hu rau tus tshiab credit card issuer thiab muab lawv cov ntaub ntawv nyiaj txiag rau daim npav rho nyiaj uas koj xav hloov qhov nyiaj tshuav ntawm. Tus neeg xa khoom yuav pib hloov pauv, thiab koj daim npav rho nyiaj yuav txav koj qhov nyiaj tshuav mus rau daim npav tshiab.
Dab tsi yog qhov qhab nia zoo?
Cov qhab nia credit uas yog 670 lossis siab dua yog suav tias yog qhov qhab nia zoo. Cov qhab nia credit zoo pab koj tsim nyog rau daim npav rho nyiaj zoo tshaj plaws, kev txwv siab dua, thiab cov paj laum qis dua.
Nov yog li cas cov tuam txhab credit card txhais cov qhab nia sib txawv:
- 800 thiab siab dua: Zoo heev
- 740-799: Zoo heev
- 670 a 739:zoo
- 580-669 : kuv
Qhov nruab nrab credit txwv ntawm daim npav rho nyiaj yog dab tsi?
Raws li Experian, qhov nruab nrab credit txwv li ntawm 2020 yog $30,365. Thaum qhov no yuav zoo li siab, qhov nruab nrab ntawm daim npav rho nyiaj sib txawv raws hnub nyoog thiab cov qhab nia credit, yog li tsis txhob txhawj xeeb yog tias koj daim npav rho nyiaj txwv qis dua qhov nyiaj no.
Kuv yuav xam kuv qhov kev siv credit li cas?
Txhawm rau xam koj qhov kev siv credit, koj yuav tsum paub ob yam. Qhov thib ib yog koj qhov credit txwv, uas yog qhov siab tshaj ntawm cov credit koj tus qiv nyiaj tau txuas ntxiv rau koj. Qhov thib ob, koj yuav tsum paub koj qhov nyiaj tshuav tam sim no. Qhov no yog cov nyiaj uas koj tam sim no tshuav ntawm koj tus account credit.
Tom qab koj muaj koj qhov credit txwv thiab koj qhov nyiaj tshuav tam sim no, faib koj qhov nyiaj tshuav tam sim no los ntawm koj qhov credit txwv los xam koj qhov kev siv credit. Tus lej tshwm sim yog koj qhov kev siv credit piv, uas yog ntau npaum li cas ntawm koj cov credit uas koj tab tom siv tam sim no. Piv txwv li, yog tias koj muaj qhov nyiaj tshuav ntawm $ 500 thiab qhov credit txwv ntawm $ 1,000, koj qhov kev siv nyiaj qiv yuav yog 0.5, uas yog 50% hauv feem pua.
Cov qauv los xam koj qhov kev siv credit piv yog:
Kev siv credit piv = Tam sim no tshuav nyiaj li cas / credit txwv
Ib qho kev siv credit ntau yuav cuam tshuam tsis zoo rau koj cov qhab nia credit, yog li ua kom nws tsawg li tsawg tau yog qhov zoo tshaj. Lwm qhov kev xaiv yog thov rau qhov kev txwv ntau dua, ua rau qis dua qhov kev siv qiv nyiaj.
Credit card paj laum laij lej
Koj tuaj yeem siv peb daim npav rho nyiaj paj laum los ntsuas seb koj yuav them cov paj laum ntau npaum li cas txhua lub hlis. Nkag mus rau koj qhov nyiaj tshuav tam sim no thiab cov paj laum, thiab lub laij lej yuav ua tus so.
Nco ntsoov tias koj cov nqi paj laum yuav txawv nyob ntawm koj cov keeb kwm kev them nyiaj thiab lwm yam. Yog tias koj them koj cov nyiaj them raws sijhawm thiab ua kom koj cov nyiaj tshuav qis, koj yuav tau them nyiaj tsawg dua li tus neeg uas muaj qhov sib npaug zoo sib xws uas tsis them lawv cov nqi raws sijhawm.
Yuav ua li cas them nyiaj tsawg rau credit card
Koj tuaj yeem ua ob peb yam kom them nyiaj tsawg dua ntawm koj daim npav rho nyiaj. Ib qho yog kom paub tseeb tias koj them koj qhov nyiaj tshuav tag nrho txhua lub hlis. Ua li no, koj yuav zam kev them nyiaj paj rau koj qhov nyiaj tshuav. Lwm qhov uas koj tuaj yeem ua tau yog kom tau txais tus nqi qis dua los ntawm kev hloov koj qhov nyiaj tshuav mus rau daim npav tshiab nrog tus nqi qis dua. Koj tuaj yeem sib tham tus nqi qis dua nrog koj lub tuam txhab credit card. Thaum kawg, koj tuaj yeem them koj cov nuj nqis siab ua ntej thiab tom qab ntawd tsom mus rau kev them koj cov nuj nqis.
Yuav ua li cas kom tau txais tus nqi qis dua ntawm daim npav rho nyiaj
Muaj ob peb yam uas koj tuaj yeem ua tau los sim kom tau txais tus nqi qis dua ntawm koj daim npav rho nyiaj. Ua ntej, koj tuaj yeem nug koj lub tuam txhab credit card rau tus nqi qis dua. Yog tias koj muaj keeb kwm kev them nyiaj zoo nrog lub tuam txhab, lawv yuav txaus siab muab rau koj so ntawm tus nqi paj.
Qhov thib ob, koj tuaj yeem thov rau daim npav rho nyiaj tshiab nrog tus nqi qis dua. Nco ntsoov sib piv cov nqi thiab cov nqe lus ua ntej koj hloov daim npav kom koj tsis txhob xaus nrog qhov phem dua.
Thaum kawg, nco ntsoov tias kev them nyiaj raws sijhawm thiab ua kom koj cov nyiaj tshuav qis yuav pab kom koj cov paj laum qis los ntawm kev tsim koj cov keeb kwm qiv nyiaj.
APR sawv cev rau dab tsi?
APR sawv cev rau Tus Nqi Ib Xyoo Ib Xyoo. Nws yog tus nqi paj laum koj yuav them rau ntawm cov nyiaj tshuav ntawm koj daim npav rho nyiaj, qhia raws li tus nqi txhua xyoo.
Yuav ua li cas kom tau txais koj thawj daim credit card
Yog tias koj tshiab rau lub ntiaj teb ntawm credit, koj yuav xav paub yuav ua li cas thiaj li tau txais koj daim npav thawj zaug. Nov yog ob peb yam uas yuav tsum nco ntsoov:
1. Tshawb xyuas koj cov qhab nia credit. Ua ntej koj thov daim npav rho nyiaj, nws yog ib lub tswv yim zoo los xyuas koj cov qhab nia credit kom pom qhov koj sawv. Yog tias koj muaj qhab nia zoo lossis zoo heev, koj yuav muaj txoj hauv kev zoo dua ntawm kev pom zoo rau daim npav nrog cov ntsiab lus zoo.
2. Xav txog koj cov kev xaiv. Muaj ntau ntau hom credit card muaj, yog li nws yog ib qho tseem ceeb rau kev sib piv koj cov kev xaiv thiab xaiv qhov zoo tshaj plaws suits koj xav tau.
3. Nyeem cov ntawv zoo. Thaum koj tau xaiv ib daim npav, nyeem cov nqe lus thiab cov xwm txheej ua tib zoo ua ntej thov. Txoj kev no, koj yuav paub tias yuav xav li cas txog cov paj laum, cov nqi, thiab cov nqe lus them rov qab.
4. Siv koj cov credit kom zoo. Thaum pom zoo rau daim npav rho nyiaj, nws yog qhov tseem ceeb uas yuav tsum siv nws kom zoo. Qhov ntawd txhais tau tias them nyiaj raws sij hawm thiab ua kom koj qhov nyiaj tshuav qis qis dua rau koj qhov credit txwv. Los ntawm kev ua li ntawd, koj yuav tsim cov keeb kwm kev them nyiaj zoo uas yuav pab txhim kho koj cov qhab nia credit thaum lub sijhawm.
Thaum twg Capital One tshaj tawm rau credit bureaus?
Capital One qhia rau cov chaw ua haujlwm credit txhua lub hlis. Kev tshaj tawm tsis tu ncua pab ua kom koj daim ntawv tshabxo nuj nqi hloov tshiab thiab raug.
Daim credit card ruaj ntseg yog dab tsi?
Ib daim credit card ruaj ntseg yog hom credit card rov qab los ntawm qhov tso nyiaj uas koj ua nrog tus issuer. Qhov kev tso nyiaj no ua rau cov nyiaj qiv nyiaj ntawm daim npav, uas txhais tau hais tias tus neeg xa khoom yuav tsis tshua poob nyiaj yog tias koj ua tsis tau raws li koj cov nyiaj them poob haujlwm. Daim npav ruaj ntseg tuaj yeem yog qhov kev xaiv zoo rau cov neeg tsis zoo lossis tsis muaj keeb kwm qiv nyiaj, vim lawv tuaj yeem pab koj txhim kho koj cov qhab nia credit dhau sijhawm.
Koj puas tuaj yeem tau txais daim npav rho nyiaj yam tsis muaj Tus lej Xaus Saus (SSN)?
Yog lawm, koj tuaj yeem tau txais daim npav rho nyiaj yam tsis muaj tus lej social security hauv ib qho ntawm ob txoj hauv kev. Thawj qhov kev xaiv yog thov rau Tus Neeg Them Se Tus Kheej Tus Kheej (ITIN), tso cai rau koj thov rau feem ntau daim npav rho nyiaj. Qhov kev xaiv thib ob yog thov rau ob peb daim npav rho nyiaj uas tsis tas yuav muaj SSN lossis ITIN, suav nrog Deserve EDU Mastercard rau Cov Tub Ntxhais Kawm, Oportun Visa Credit Card, thiab Tomo Credit Card.
Cov ntsiab lus: 4500 credit card hom? Ib txwm muaj Visa card!
Peb cov txiaj ntsig tau pom tias 31 lub tsev txhab nyiaj thiab tuam txhab nyiaj txiag tau tshaj tawm 100 hom 4500 credit thiab debit cards. Peb kuj paub tias txhua 4500 credit lossis debit card yog Visa card.
Peb cia siab tias cov ntaub ntawv credit card no yog ib qho kev pab cuam uas ua rau koj xav paub. Daim npav rho nyiaj hloov pauv, tus lej daim npav raug muab rov qab, thiab cov tsev txhab nyiaj hauv zos sib koom lossis ua tsis tiav, yog li qhov tseeb tsis tau lees paub.