Mtundu wa Khadi la Kingongole la 4500 (Nambala za Kirediti kadi ya Visa, Mndandanda wa IIN/BIN, Malire Ochepa a Ngongole, ndi Chiwongola dzanja cha Khadi la Ngongole ndi Zowerengera Zolipira)
M'ndandanda wazopezekamo
Kodi mukufuna kudziwa mtundu wanji kirediti kadi imayamba ndi 4500? Ifenso tinatero, ndipo tili ndi zotsatira zamtundu uliwonse wa kirediti kadi 4500.
Nambala iliyonse ya kirediti kadi imakhala ndi manambala 15 kapena 16, omwe angawoneke ngati mndandanda wa manambala mwachisawawa, koma ndi manambala apadera. Manambala a pa kirediti kadi amazindikiritsa mwini makhadiwo ndikuwonetsa mtundu wa khadi, wopereka khadi, ndi nambala ya akaunti yoyamba. Nambala yomaliza pa khadi, yotchedwa cheke, imagwiritsidwa ntchito kutsimikizira kuti mwalemba manambala ena onse molondola. Chifukwa chake, manambala a kirediti kadi sizongotengera manambala mwachisawawa - ali ndi zambiri zamtengo wapatali.
Ndi mtundu wanji wa kirediti kadi womwe umayamba ndi 4500? (Dziwani khadi pogwiritsa ntchito nambala yoyamba)
Khadi la ngongole kuyambira 4500 nthawi zonse limakhala khadi la Visa. Kuchokera pamndandanda wathu wa 4500 BIN manambala pansipa, tikudziwanso kuti mabanki osiyanasiyana 31 ndi mabungwe azachuma amatulutsa makhadi 4500.
Kodi tikudziwa bwanji kuti khadi la 4500 ndi Visa? Nambala yoyamba pa khadi iliyonse imakhala ngati Major Industry Identifier (MII) ndipo imawonetsa netiweki ya khadi. Kwa ife, nambala yoyamba pa khadi ndi 4, kutanthauza kuti khadi ndi Visa. Ngati manambala oyamba ndi 3 ndi American Express, Diner's Club, Carte Blanche, kapena khadi ya JCB. Khadi la debit kapena langongole likayamba ndi 2 kapena 5, imakhala Mastercard, pomwe manambala oyamba a Discover khadi ndi 6. Makhadi omwe amayamba ndi nambala 1 ndi amakampani opanga ndege, pomwe makampani amafuta amafuta amatulutsa makhadi oyambira ndi 7.
Kodi manambala ena onse a makadi amatanthauza chiyani?
Tsopano popeza tikudziwa kuti kirediti kadi yoyambira ndi 4500 ndi kirediti kadi ya Visa yoperekedwa ndi imodzi mwa mabanki 31 ndi mabungwe azachuma, titha kudziwa tanthauzo la manambala enawo. Manambala achiwiri mpaka 2 akuwonetsa wopereka khadi ndi mtundu wa kirediti kadi. Tsoka ilo, tili ndi 6 yokha mwa manambala asanu awa ('3').
Mwamwayi, titha kugwiritsabe ntchito manambala atatu omwe tili nawo ('500') kuti tidziwe 4500 yemwe wapereka kirediti kadi. Tingachite zimenezi pogwiritsa ntchito manambala anayi mpaka sikisi oyambirira a khadilo, omwe amatchedwa “Issuer Identification Number” (IIN) kapena “Bank Identification Number” (BIN number). Wolemba kuyang'ana BIN nambala, titha kudziwa kuti ndi banki iti kapena bungwe lazachuma lomwe lapereka khadilo.
Mndandanda wa BIN/IIN wa makhadi obwereketsa a Visa operekedwa kuyambira ndi 4500
Titafufuza mozama za nkhaniyi, tidapeza yankho la mtundu wanji wa kirediti kadi yomwe imayamba ndi 4500. A ngongole kapena kirediti kadi kuyambira 4500 ndi imodzi mwamitundu 100 zotheka ya Visa kirediti kadi kapena kirediti kadi operekedwa ndi 31 mabanki osiyanasiyana ndi mabungwe azachuma.
Pansipa pali mndandanda watsatanetsatane wa BIN/IIN wa 100 osiyanasiyana 4500 makhadi ndi ma kirediti kadi. Mndandandawo uli ndi BIN/IIN ya khadi, netiweki yamakhadi, mtundu wamakhadi, wopereka makhadi, ndi dziko lomwe latulutsidwa.
Ma BIN/IIN kuchokera 450000 mpaka 450010 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
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- 450000 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Unibanca, SA ku Peru
- 450001 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450002 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450003 ndi kirediti kadi ya Visa Infinite yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450004 ndi kirediti kadi ya Visa Business yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450005 ndi kirediti kadi ya Visa Business yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450006 ndi kirediti kadi ya Visa Platinum yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450007 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Unibanca, SA ku Peru
- 450008 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450009 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450010 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Inteligo Bank, Ltd. ku Bahamas
Ma BIN/IIN kuchokera 450011 mpaka 450020 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450011 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Popular ku Colombia
- 450012 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Mongol Post Bank ku Mongolia
- 450013 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Mongol Shyydan Bank ku Mongolia
- 450014 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450015 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Mongol Post Bank ku Mongolia
- 450016 ndi kirediti kadi ya Visa Business yoperekedwa ndi Mongol Post Bank ku Mongolia
- 450017 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450018 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450019 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450020 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
Ma BIN/IIN kuchokera 450021 mpaka 450030 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450021 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Univerzal Banka AD ku Serbia
- 450022 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Univerzal Banka AD ku Serbia
- 450023 ndi kirediti kadi ya Visa Business yoperekedwa ndi Univerzal Banka AD ku Serbia
- 450024 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450025 ndi kirediti kadi ya Visa Classic yoperekedwa ndi BC Card Co., Ltd. ku South Korea
- 450026 ndi kirediti kadi ya Visa Platinum yoperekedwa ndi FIA Card Services, NA (National Association) ku United States
- 450027 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450028 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450029 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450030 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
Ma BIN/IIN kuchokera 450031 mpaka 450040 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450031 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450032 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450033 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Deutscher Sparkassen Und Giroverband (DSGV) ku Germany
- 450034 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Ripley, SA ku Peru
- 450035 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Ripley, SA ku Peru
- 450036 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Zaminbank OJSC ku Azerbaijan
- 450037 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450038 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Zaminbank OJSC ku Azerbaijan
- 450039 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450040 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Belarusky Narodny Bank (Belarusian People's Bank OJSC) ku Belarus.
Ma BIN/IIN kuchokera 450041 mpaka 450050 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450041 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Belarusky Narodny Bank (Belarusian People's Bank OJSC) ku Belarus.
- 450042 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Belarusky Narodny Bank (Belarusian People's Bank OJSC) ku Belarus.
- 450043 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450044 ndi Visa Classic debit card yoperekedwa ndi National Bank of Malawi ku Malawi
- 450045 ndi Visa Gold debit card yoperekedwa ndi Standard Bank Limited Malawi ku Malawi
- 450046 ndi Visa Electron debit card yoperekedwa ndi Standard Bank Limited Malawi ku Malawi
- 450047 ndi Visa Electron debit card yoperekedwa ndi Standard Bank Limited Malawi ku Malawi
- 450048 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450049 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450050 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Citibank, AS ku Turkey
Ma BIN/IIN kuchokera 450051 mpaka 450060 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450051 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Citibank, AS ku Turkey
- 450052 ndi kirediti kadi ya Visa Platinum yoperekedwa ndi Ziraat Bankasi ku Turkey
- 450053 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Volksbank Romania, SA ku Romania
- 450054 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Volksbank Romania, SA ku Romania
- 450055 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450056 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450057 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450058 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Banco Bradesco Cartoes, SA ku Brazil
- 450059 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco de la Produccion, SA (Produbanco) ku Ecuador
- 450060 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
Ma BIN/IIN kuchokera 450061 mpaka 450070 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450061 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450062 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450063 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450064 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450065 ndi kirediti kadi ya Visa Platinum yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450066 ndi khadi yakhadi ya Visa Classic yoperekedwa ndi FIA Card Services, NA ku United States
- 450067 ndi khadi yakhadi ya Visa Classic yoperekedwa ndi FIA Card Services, NA ku United States
- 450068 ndi kirediti kadi ya Visa Classic yomwe idatulutsidwa koyamba ndi MBNA America Bank, NA ku United States. Banki yolowa m'malo mwapano ndi Bank of America, NA
- 450069 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Mission Bank ku United States
- 450070 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Uno, SA ku El Salvador
Ma BIN/IIN kuchokera 450071 mpaka 450080 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450071 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Uno, SA ku El Salvador
- 450072 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Banco Uno, SA ku El Salvador
- 450073 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450074 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450075 ndi kirediti kadi ya Visa Platinum yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450076 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Intesa Sanpaolo Banka ku Bosnia ndi Herzegovina
- 450077 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Intesa Sanpaolo Banka ku Bosnia ndi Herzegovina
- 450078 ndi kirediti kadi ya Visa Business yoperekedwa ndi Intesa Sanpaolo Banka ku Bosnia ndi Herzegovina
- 450079 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450080 ndi khadi yapa Visa yotulutsidwa ndi Vazcorp Sociedad Financiera, SA ku Ecuador
Ma BIN/IIN kuchokera 450081 mpaka 450090 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450081 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Interdin SA Emisora y Administradora de Tarjetas de Credit ku Ecuador
- 450082 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450083 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Zuno Bank AG ku Czechia
- 450084 ndi kirediti kadi ya Visa Classic yoperekedwa ndi United Bank, Ltd. ku Pakistan
- 450085 ndi kirediti kadi ya Visa yoperekedwa ndi United Bank, Ltd. ku Pakistan
- 450086 ndi kirediti kadi ya Visa Gold yoperekedwa ndi United Bank, Ltd. ku Pakistan
- 450087 ndi kirediti kadi ya Visa yoperekedwa ndi United Bank, Ltd. ku Pakistan
- 450088 ndi kirediti kadi ya Visa Electron yoperekedwa ndi Eastern Bank, Ltd. ku Bangladesh
- 450089 ndi kirediti kadi ya Visa Gold yoperekedwa ndi Hongkong ndi Shanghai Banking Corporation Limited (HSBC) ku Sri Lanka
- 450090 ndi kirediti kadi ya Visa Classic yoperekedwa ndi Zenith Bank Plc ku Nigeria
Ma BIN/IIN kuchokera 450091 mpaka 450099 (Mitundu ya makhadi a kirediti kadi ndi makhadi a kirediti kadi)
[the_ad id = "8381 ″]
- 450091 ndi kirediti kadi ya Visa yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450092 ndi kirediti kadi ya Visa yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450093 ndi kirediti kadi ya Visa Corporate yoperekedwa ndi Zenith Bank Plc ku Nigeria
- 450094 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450095 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450096 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450097 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450098 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
- 450099 ndi kirediti kadi ya Visa yoperekedwa ndi Canadian Imperial Bank of Commerce ku Canada
Tikukhulupirira izi zambiri za kirediti kadi ndi gwero lofunikira zomwe zimakwaniritsa chidwi chanu. Popeza manambala a makadi amasintha nthawi zonse ndipo mabanki amaphatikizana kapena kulephera, kulondola sikutsimikizika.
Kodi ndi ma kirediti kadi a 4500 ndi ma kirediti kadi angati?
Monga tawonera pamndandanda wathu wa BIN/IIN pamwambapa, pali makhadi 100 osiyanasiyana 4500 operekedwa ndi mabanki 31 ndi mabungwe azachuma.
Kodi manambala omaliza a kirediti kadi amatanthauza chiyani? (Nambala yaakaunti yoyambirira ndi cheke)
Tsopano popeza mwafika mpaka pano, mutha kukhala ndi chidwi ndi mndandanda wa manambala osindikizidwa pa khadi lanu. Nambala 7 mpaka 15 ndi Nambala Ya Akaunti Yaikulu (PAN) pamakhadi ambiri. Nambala iliyonse ya kirediti kadi ndi kirediti kadi imakhala ndi PAN ya manambala eyiti, yomwe ndi gawo lofunikira kwambiri pa nambala ya kirediti kadi. Nambala yomaliza, yomwe imatchedwa cheke, imagwiritsidwa ntchito potsimikizira kuti mupewe kulipiritsa zogula pa nambala yolakwika.
Mukalemba nambala yanu yamakhadi, ndizotheka kuyika molakwika manambala kapena ziwiri. Ndicho chifukwa chake nambala ya cheke, yomwe ndi nambala ya 16, ilipo. Chekeni manambala amagwiritsidwa ntchito kutsimikizira nambala ya khadi ndi kuzindikira typos. Netiweki yamakhadi imagwiritsa ntchito 'Luhn Algorithm' kutsimikizira nthawi yomweyo kuti mwalemba manambala molondola ndikuchepetsa chinyengo. Popeza kirediti kadi iliyonse ndi kirediti kadi imakhala ndi manambala apadera, masamu a aligorivimu amatsimikizira kuti manambala ovomerezeka okha ndi omwe amalipiritsa.
Zowonjezera zotetezera makadi zimaphatikizapo chip chophatikizika, tsiku lotha ntchito, mtengo wotsimikizira khadi (CVV), ndi adilesi yolipira yolumikizidwa.
Kodi ndalama zocheperako pa kirediti kadi ya $4500 ndi ziti?
Malipiro ochepera pa ngongole ya $ 4500 ya kirediti kadi nthawi zambiri amakhala pafupifupi $90, koma zimatengera zomwe banki yanu ikufuna. Malipiro ocheperako ndi 1% ya ndalama zonse zamakhadi kuphatikiza chiwongola dzanja ndi zolipirira mochedwa kapena 2% ya ndalama zonse zamakhadi.
Muyenera kulipira ndalama zochepa pamwezi kuti akaunti yanu ikhale yabwino ndikupewa chindapusa mochedwa. Ngati mungalipire zochulukirapo kuposa zochepa, mudzalipira ndalama zanu mwachangu ndikusunga ndalama pachiwongola dzanja. Kusunga milingo yangongole yanu kukhala yotsika komanso kulipira zambiri kuposa zomwe zimachepetsa kungathandizenso kuchuluka kwa ngongole yanu yonse.
Kodi mungalipire zochulukirapo pa kirediti kadi? (Lipirani ngongole yanu mwachangu)
Inde, mutha kulipira zochulukirapo kuposa zolipira zochepa za kirediti kadi. Kulipira zochulukirapo kuposa zomwe zimafunikira kumakuthandizani kulipira chiwongola dzanja chocheperako ngati mutangopereka ndalama zochepa. M'malo mwake, malipiro anu a kirediti kadi akuyenera kufanana ndi ndalama zonse mwezi uliwonse, chifukwa izi zidzakuthandizani kupewa kubweza chiwongola dzanja.
Chowerengera cholipira pa kirediti kadi
Makina athu owerengera olipira pa kirediti kadi amakupatsani mwayi wowerengera nthawi yomwe zidzatengere kuti mulipire ndalama zanu za kirediti kadi. Kuti mugwiritse ntchito chowerengeracho, lowetsani ndalama za kirediti kadi yanu, chiwongola dzanja (APR), ndi malipiro amwezi. Chowerengera chathu chidzakuwonetsani miyezi ingati yomwe ingatenge kuti mulipire ndalama zanu.
We have prefilled the calculator with an example of a card with a $4500 balance, a 21.50% APR, and a monthly payment of $300. With monthly payments of $300, the card will be paid off in 17.63 months (1.47 years).
Njira zolipirira ngongole yanu ya kirediti kadi
Pali njira zingapo zolipirira ngongole ya kirediti kadi, koma njira yabwino kwambiri imadalira momwe mulili. Ngati muli ndi ngongole zambiri, ganizirani ngongole yophatikiza ngongole kapena khadi la ngongole. Zosankhazi zingakuthandizeni kusunga ndalama pa chiwongoladzanja ndikupangitsa kuti zikhale zosavuta kulipira ngongole yanu. Ngati muli ndi ngongole yaying'ono, mutha kulipira ndi ngongole yanu kapena powonjezera ndalama pamakhadi omwe muli nawo kale.
Ngati muli ndi makhadi angapo angongole, kulipira chiwongola dzanja chambiri kaye ndikwabwino kwambiri.
Chilichonse chomwe mungasankhe, onetsetsani kuti mwamvetsetsa zomwe zikuyenera kuchitika musanachite chilichonse.
Kodi ngongole ya kirediti kadi ndi yotani?
Malinga ndi deta yochokera ku Federal Reserve Bank ya New York, pafupifupi ngongole ya kirediti kadi ku United States ndi $5,769. Chiwerengerochi chikuchokera ku Federal Reserve's Consumer Credit Panel data.
Kodi 0% balance transfer ndi chiyani?
Chiwongoladzanja cha 0 peresenti ndi pamene mumasamutsa khadi lanu la ngongole ku khadi lina ndi chiwongoladzanja cha 0 peresenti. Izi zimakupatsani mwayi wopewa kulipira chiwongola dzanja pa nthawi yoyambira, zomwe zimakusungirani ndalama.
Khadi losamutsira ndalama: Kodi kusamutsa kirediti kadi kumagwira ntchito bwanji?
Khadi losamutsa kirediti kadi limakupatsani mwayi kusamutsa ndalama za kirediti kadi kupita ku kirediti kadi ina. Itha kukhala njira yofunikira yophatikizira mabanki angapo a kirediti kadi kukhala malipiro amodzi pamwezi kapena kugwiritsa ntchito mwayi wotsatsa APR popanda chindapusa.
Kuti musinthe ndalama, mufunika kulumikizana ndi wopereka kirediti kadi watsopano ndikuwapatsa zambiri za akaunti ya kirediti kadi yomwe mukufuna kusamutsa ndalamazo. Woperekayo adzayambitsa kusamutsa, ndipo wopereka khadi lanu adzasuntha ndalama zanu ku kirediti kadi yatsopano.
Kodi ngongole yabwino ndi yotani?
Ngongole yomwe ili 670 kapena kupitilira apo imatengedwa ngati ngongole yabwino. Ngongole yabwino imakuthandizani kuti muyenerere kukhala ndi makhadi abwino kwambiri angongole, malire apamwamba, komanso chiwongola dzanja chochepa.
Umu ndi momwe makampani a kirediti kadi amatanthauzira ziwongola dzanja zosiyanasiyana:
- 800 ndi mmwamba: Zabwino kwambiri
- 740 mpaka 799: Zabwino kwambiri
- 670 mpaka 739: Zabwino
- 580 mpaka 669: Zabwino
Kodi avereji ya malire a kirediti kadi pa kirediti kadi ndi chiyani?
Malinga ndi Experian, chiwongola dzanja chapakati kuyambira 2020 chinali $30,365. Ngakhale izi zitha kuwoneka ngati zapamwamba, malire a kirediti kadi amasiyana malinga ndi zaka komanso kuchuluka kwa ngongole, choncho musadandaule ngati malire a kirediti kadi yanu ndi otsika kuposa ndalamayi.
Kodi ndingawerengere bwanji kuchuluka kwa kagwiritsidwe ntchito ka ngongole?
Kuti muwerenge chiŵerengero chanu chogwiritsira ntchito ngongole, muyenera kudziwa zinthu ziwiri. Choyamba ndi malire anu angongole, omwe ndi kuchuluka kwangongole komwe wobwereketsa wakupatseni. Chachiwiri, muyenera kudziwa momwe mulili panopa. Izi ndi ndalama zomwe muli ndi ngongole pa akaunti yanu yangongole.
Mukakhala ndi malire anu a ngongole ndi ndalama zomwe muli nazo panopa, gawani ndalama zomwe muli nazo panopa ndi malire anu a ngongole kuti muwerenge chiŵerengero chanu chogwiritsira ntchito ngongole. Nambala yotsatiridwayo ndi chiŵerengero cha kagwiritsidwe ntchito ka ngongole, chomwe ndi kuchuluka kwa ngongole zomwe mukugwiritsa ntchito panopa. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 500 ndi malire a ngongole a $ 1,000, chiŵerengero chanu chogwiritsira ntchito ngongole chidzakhala 0.5, chomwe ndi 50% pamaperesenti.
Njira yowerengera chiŵerengero cha kagwiritsidwe ntchito ka ngongole ndi:
Ngongole Kagwiritsidwe Ratio = Malire Apano / Malire a Ngongole
Chiŵerengero chogwiritsira ntchito ngongole chapamwamba chidzasokoneza chiwongoladzanja chanu changongole, kotero kusunga kukhala kotsika ndikwabwino. Njira ina ndikufunsira malire apamwamba angongole, zomwe zimapangitsa kuti muchepetse kugwiritsa ntchito ngongole.
Chowerengera chiwongola dzanja cha kirediti kadi
Mutha kugwiritsa ntchito chowerengera chiwongola dzanja chathu kuwerengera chiwongola dzanja chomwe mumalipira mwezi uliwonse. Lowetsani ndalama zomwe muli nazo komanso chiwongola dzanja chanu, ndipo chowerengera chidzachita zina zonse.
Kumbukirani kuti chiwongola dzanja chanu chimasiyana malinga ndi mbiri yanu yolipira ndi zina. Ngati mupereka malipiro anu pa nthawi yake ndikusunga ndalama zanu zotsika, mudzalipira chiwongoladzanja chochepa kusiyana ndi munthu yemwe ali ndi ndalama zofanana ndi zomwe samalipira ngongole pa nthawi yake.
Momwe mungalipire chiwongola dzanja chochepa pa kirediti kadi
Mutha kuchita zinthu zingapo kuti mupereke chiwongola dzanja chochepa pa kirediti kadi yanu. Chimodzi ndikuwonetsetsa kuti mumalipira ndalama zonse mwezi uliwonse. Mwanjira imeneyi, mudzapewa kulipira chiwongola dzanja pamlingo wanu. Chinanso chimene mungachite ndicho kupeza chiwongola dzanja chochepa posamutsira ndalama zanu ku khadi latsopano lotsika mtengo. Mukhozanso kukambirana za chiwongoladzanja chochepa ndi kampani yanu ya kirediti kadi. Pomaliza, mutha kubweza ngongole yanu yachiwongola dzanja chambiri kaye ndikuyang'ananso pakubweza ngongole zanu zina.
Momwe mungapezere chiwongola dzanja chochepa pa kirediti kadi
Pali zinthu zingapo zomwe mungachite kuti muchepetse chiwongola dzanja chochepa pa kirediti kadi yanu. Choyamba, mutha kufunsa kampani yanu ya kirediti kadi kuti ikuchepetseni. Ngati muli ndi mbiri yabwino yolipira ndi kampani, akhoza kukhala okonzeka kukupatsani nthawi yopuma pa chiwongoladzanja.
Chachiwiri, mukhoza kulembetsa khadi latsopano la ngongole ndi chiwongoladzanja chochepa. Onetsetsani kuti mufananize mitengo ndi mawu musanasinthe makhadi kuti musakhale ndi vuto lalikulu.
Pomaliza, kumbukirani kuti kulipira munthawi yake komanso kusunga ndalama zanu zotsika kumathandizira kuti chiwongola dzanja chanu chitsike pomanga mbiri yanu yangongole.
Kodi APR ndi chiyani?
APR imayimira Annual Percentage Rate. Ndi chiwongola dzanja chomwe mudzalipira pamabanki aliwonse omwe mwatsala pa akaunti yanu ya kirediti kadi, omwe amawonetsedwa ngati mtengo wapachaka.
Momwe mungapezere kirediti kadi yanu yoyamba
Ngati ndinu watsopano kudziko langongole, mutha kudabwa momwe mungapezere kirediti kadi yanu yoyamba. Nazi zinthu zingapo zomwe muyenera kukumbukira:
1. Yang'anani mphambu zanu zangongole. Musanalembetse chiphaso cha kirediti kadi, ndi bwino kuyang'ana pangongole yanu kuti muwone pomwe mwaima. Ngati muli ndi ngongole zabwino kapena zabwino kwambiri zangongole, mudzakhala ndi mwayi wovomerezeka kukhala ndi khadi yokhala ndi mawu abwino.
2. Ganizirani zomwe mungasankhe. Mitundu yambiri ya makadi a ngongole ilipo, choncho ndikofunika kufananitsa zomwe mungasankhe ndikusankha zomwe zikugwirizana ndi zosowa zanu.
3. Werengani zolembedwa bwino. Mukasankha khadi, werengani mosamala malangizowo musanalembe. Mwanjira iyi, mudzadziwa zomwe mungayembekezere pazachiwongola dzanja, chindapusa, ndi zobweza.
4. Gwiritsani ntchito ngongole zanu mwanzeru. Mukavomerezedwa kukhala ndi kirediti kadi, ndikofunikira kuligwiritsa ntchito mwanzeru. Izi zikutanthauza kuti mumalipira nthawi yake ndikusunga ndalama zanu zochepa poyerekeza ndi malire anu angongole. Pochita izi, mupanga mbiri yabwino yolipira yomwe ingakuthandizeni kukonza ngongole yanu pakapita nthawi.
Kodi Capital One imalengeza liti ku mabungwe angongole?
Capital One imapereka malipoti ku mabungwe angongole mwezi uliwonse. Kupereka malipoti pafupipafupi kumathandiza kuti lipoti lanu langongole likhale lamakono komanso lolondola.
Kodi khadi yotetezedwa ndi chiyani?
Khadi la kingongole lotetezedwa ndi mtundu wa kirediti kadi yochirikizidwa ndi ndalama zomwe mumapanga ndi woperekayo. Kusungitsa kumeneku kumakhala ngati chikole pa ngongole ya ngongole pa khadilo, zomwe zikutanthauza kuti woperekayo sangataye ndalama ngati mwalephera kulipira. Makhadi otetezedwa atha kukhala njira yabwino kwa anthu omwe ali ndi ngongole yoyipa kapena opanda mbiri yangongole, chifukwa atha kukuthandizani kuti mumange ngongole yanu pakapita nthawi.
Kodi mungapeze kirediti kadi popanda Social Security Number (SSN)?
Inde, mutha kupeza kirediti kadi popanda nambala yachitetezo cha anthu m'njira ziwiri. Njira yoyamba ndikufunsira Nambala Yozindikiritsa Yopereka Msonkho Payekha (ITIN), kukulolani kuti mulembetse ma kirediti kadi ambiri. Njira yachiwiri ndikufunsira ma kirediti kadi ochepa omwe safuna SSN kapena ITIN, kuphatikiza Deserve EDU Mastercard for Student, Oportun Visa Credit Card, ndi Tomo Credit Card.
Kutsiliza: 4500 mtundu wa kirediti kadi? Khadi la Visa nthawi zonse!
Zotsatira zathu zikuwonetsa kuti mabanki 31 ndi mabungwe azachuma amapereka mitundu 100 ya 4500 makadi a ngongole ndi debit. Tikudziwanso kuti kirediti kadi iliyonse ya 4500 ndi kirediti kadi ya Visa.
Tikukhulupirira kuti chidziwitso cha kirediti kadi ndi chida chothandiza chomwe chingakuthandizireni chidwi. Manambala a kirediti kadi amasintha, manambala a makadi amaperekedwanso, ndipo mabanki akumaloko amaphatikizana kapena kulephera, kotero kulondola sikutsimikizika.