Mofuta oa Karete ea Kerediti ea 4500 (Linomoro tsa Karete ea Mokitlana ea Visa, Lethathamo la IIN/BIN, Karolelano ea Moedi oa Mokitlane, le Ts'eho ea Karete ea Mokitlane le Likhalkhuleita tsa Payoff)
Tafole ea likateng
Na u batla ho tseba hore na ke mofuta ofe oa karete ea mokitlane e qala ka 4500? Ho joalo le ka rona, 'me re na le liphetho tsa mofuta o mong le o mong oa karete ea mokoloto ea 4500.
Nomoro e 'ngoe le e' ngoe ea karete ea mokoloto e na le linomoro tse 15 kapa tse 16, tse ka 'nang tsa bonahala eka ke letoto la linomoro, empa ke linomoro tse ikhethang. Linomoro tse kareteng ea mokoloto li supa mong'a karete 'me li senola mofuta oa karete, mofani oa karete le nomoro ea mantlha ea ak'haonte. Nomoro ea ho qetela kareteng, e bitsoang cheke, e sebelisoa ho netefatsa hore u kentse linomoro tse ling ka nepo. Kahoo, linomoro tsa karete ea mokoloto ha se likhoele tse sa reroang tsa linomoro - li na le lintlha tse ngata tsa bohlokoa.
Ke karete ea mokoloto ea mofuta ofe e qalang ka 4500? (Khetha karete u sebelisa nomoro ea pele)
Karete ea mokitlane e qalang ka 4500 e lula e le karete ea Visa. Ho tsoa lethathamong la rona la linomoro tsa 4500 BIN ho ea pele ka tlase, re boetse rea tseba hore libanka tse fapaneng tse 31 le mekhatlo ea lichelete e fana ka likarete tse 4500.
Re tseba joang hore karete ea 4500 ke Visa? Nomoro ea pele ea karete e 'ngoe le e 'ngoe e sebetsa e le Major Industry Identifier (MII) mme e bontša marang-rang a karete. Tabeng ea rona, nomoro ea pele kareteng ke 4, ho bolelang hore karete ke bontsha. Haeba nomoro ea pele e le 3 ke American Express, Diner's Club, Carte Blanche, kapa karete ea JCB. Ha karete ea mokitlane kapa ea mokitlane e qala ka 2 kapa 5, ke Mastercard, ha nomoro ea pele ea Discover card e le 6. Likarete tse qalang ka nomoro ea 1 ke tsa indasteri ea lifofane, ha lik'hamphani tsa peterole li fana ka likarete tse qalang ka 7.
Linomoro tse ling tsa likarete li bolela'ng?
Kaha joale re tseba karete ea mokoloto e qalang ka 4500 ke karete ea Visa e fanoeng ke e 'ngoe ea libanka tse fapaneng tse 31 le litsi tsa lichelete, re ka utloisisa hore na linomoro tse ling li bolela'ng. Nomoro ea 2 ho isa ho ea 6 e bontša mofani oa karete le mofuta oa karete ea mokoloto. Ka bomalimabe, re na le tse 3 feela ho tse hlano tsena ('500').
Ka lehlohonolo, re ntse re ka sebelisa linomoro tse tharo tseo re nang le tsona ('500') ho tseba hore na 4500 ke mang ea fanang ka karete ea mokoloto. Re ka etsa sena ka ho sebelisa linomoro tsa pele tse ’nè ho isa ho tse tšeletseng tsa karete, tse bitsoang “Nomoro ea Boitsebiso ba Moahloli” (IIN) kapa “Nomoro ea Boitsebiso ba Banka” (BIN nomoro). Ka batla nomoro ea BIN, re ka tseba hore na ke banka efe kapa setsi sa lichelete se faneng ka karete eo.
Lethathamo la BIN/IIN bakeng sa likarete tse fanoeng ke Visa tsa mokoloto le tsa mekitlane ho qala ka 4500
Kamora ho etsa lipatlisiso ho ea pele, re fumane karabo ea hore na karete ea mokoloto e qala ka 4500. A molato kapa karete ea mokitlane e qalang ka 4500 ke e 'ngoe ea mefuta e ka bang 100 ea likarete tsa mokoloto tsa Visa tse fanoeng ke libanka tse fapaneng tse 31 le litsi tsa lichelete.
Ka tlase ke lethathamo le qaqileng la BIN/IIN bakeng sa 100 e fapaneng 4500 likarete tsa mokitlane le likarete tsa banka. Lenane le kenyelletsa BIN/IIN ea karete, marang-rang a karete, mofuta oa karete, mofani oa karete, le naha eo e tsoa ho eona.
Li-BIN/IIN ho tloha ho 450000 ho isa ho 450010 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450000 ke karete ea mokitlane ea Visa Gold e fanoeng ke Unibanca, SA naheng ea Peru
- 450001 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450002 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450003 ke karete ea mokitlane ea Visa Infinite e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450004 ke karete ea mokitlane ea Visa Business e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450005 ke karete ea mokitlane ea Visa Business e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450006 ke karete ea banka ea Visa Platinum e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450007 ke karete ea mokoloto ea Visa Classic e fanoeng ke Unibanca, SA naheng ea Peru
- 450008 ke karete ea mokitlane ea Visa Gold e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450009 ke karete ea mokitlane ea Visa Classic e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450010 ke karete ea banka ea Visa Electron e fanoeng ke Inteligo Bank, Ltd. naheng ea Bahamas
Li-BIN/IIN ho tloha ho 450011 ho isa ho 450020 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450011 ke karete ea mokoloto ea Visa Classic e fanoeng ke Banco Popular naheng ea Colombia
- 450012 ke karete ea mokitlane ea Visa Classic e fanoeng ke Mongol Post Bank e Mongolia
- 450013 ke karete ea mokitlane ea Visa Classic e fanoeng ke Mongol Shyydan Bank e Mongolia
- 450014 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450015 ke karete ea mokitlane ea Visa Gold e fanoeng ke Mongol Post Bank e Mongolia
- 450016 ke karete ea mokitlane ea Visa Business e fanoeng ke Mongol Post Bank e Mongolia
- 450017 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450018 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450019 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450020 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
Li-BIN/IIN ho tloha ho 450021 ho isa ho 450030 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450021 ke karete ea mokoloto ea Visa Classic e fanoeng ke Univerzal Banka AD naheng ea Serbia
- 450022 ke karete ea banka ea Visa Electron e fanoeng ke Univerzal Banka AD naheng ea Serbia
- 450023 ke karete ea mokitlane ea Visa Business e fanoeng ke Univerzal Banka AD naheng ea Serbia
- 450024 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450025 ke karete ea banka ea Visa Classic e fanoeng ke BC Card Co., Ltd. naheng ea Korea Boroa
- 450026 ke karete ea mokitlane ea Visa Platinum e fanoeng ke FIA Card Services, NA (Mokhatlo oa Sechaba) United States
- 450027 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450028 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450029 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450030 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
Li-BIN/IIN ho tloha ho 450031 ho isa ho 450040 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
[the_ad id = "8381 ″]
- 450031 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450032 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450033 ke karete ea mokitlane ea Visa Classic e fanoeng ke Deutscher Sparkassen Und Giroverband (DSGV) ea Jeremane.
- 450034 ke karete ea mokitlane ea Visa Classic e fanoeng ke Banco Ripley, SA naheng ea Peru
- 450035 ke karete ea mokitlane ea Visa Classic e fanoeng ke Banco Ripley, SA naheng ea Peru
- 450036 ke karete ea banka ea Visa Classic e fanoeng ke Zaminbank OJSC ea Azerbaijan
- 450037 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450038 ke karete ea banka ea Visa Electron e fanoeng ke Zaminbank OJSC naheng ea Azerbaijan
- 450039 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450040 ke karete ea mokitlane ea Visa Classic e fanoeng ke Belarusky Narodny Bank (Belarusian People's Bank OJSC) e Belarus.
Li-BIN/IIN ho tloha ho 450041 ho isa ho 450050 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
[the_ad id = "8381 ″]
- 450041 ke karete ea mokitlane ea Visa Gold e fanoeng ke Belarusky Narodny Bank (Belarusian People's Bank OJSC) e Belarus.
- 450042 ke karete ea banka ea Visa Electron e fanoeng ke Belarusky Narodny Bank (Belarusian People's Bank OJSC) e Belarus.
- 450043 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450044 ke karete ea mokitlane ea Visa Classic e fanoeng ke Banka ea Sechaba ea Malawi e Malawi
- 450045 ke karete ea mokitlane ea Visa Gold e fanoeng ke Standard Bank Limited Malawi ea Malawi
- 450046 ke karete ea mokitlane ea Visa Electron e fanoeng ke Standard Bank Limited Malawi ea Malawi
- 450047 ke karete ea mokitlane ea Visa Electron e fanoeng ke Standard Bank Limited Malawi ea Malawi
- 450048 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450049 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450050 ke karete ea mokitlane ea Visa Classic e fanoeng ke Citibank, AS naheng ea Turkey
Li-BIN/IIN ho tloha ho 450051 ho isa ho 450060 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
[the_ad id = "8381 ″]
- 450051 ke karete ea mokitlane ea Visa Gold e fanoeng ke Citibank, AS naheng ea Turkey
- 450052 ke karete ea mokitlane ea Visa Platinum e fanoeng ke Ziraat Bankasi ea Turkey
- 450053 ke karete ea mokitlane ea Visa Classic e fanoeng ke Volksbank Romania, SA e Romania
- 450054 ke karete ea mokitlane ea Visa Gold e fanoeng ke Volksbank Romania, SA naheng ea Romania
- 450055 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450056 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450057 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450058 ke karete ea mokitlane ea Visa Gold e fanoeng ke Banco Bradesco Cartoes, SA naheng ea Brazil
- 450059 ke karete ea mokitlane ea Visa Classic e fanoeng ke Banco de la Produccion, SA (Produbanco) naheng ea Ecuador
- 450060 ke karete ea mokitlane ea Visa Gold e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
Li-BIN/IIN ho tloha ho 450061 ho isa ho 450070 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450061 ke karete ea mokitlane ea Visa Gold e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450062 ke karete ea mokitlane ea Visa Gold e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450063 ke karete ea banka ea Visa Classic e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450064 ke karete ea mokitlane ea Visa Gold e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450065 ke karete ea mokitlane ea Visa Platinum e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450066 ke karete ea mokoloto ea Visa Classic e fanoeng ke FIA Card Services, NA naheng ea United States
- 450067 ke karete ea mokoloto ea Visa Classic e fanoeng ke FIA Card Services, NA naheng ea United States
- 450068 ke karete ea mokitlane ea Visa Classic eo qalong e fanoeng ke MBNA America Bank, NA e United States. Banka ea mohlahlami oa hajoale ke Bank of America, NA
- 450069 ke karete ea banka ea Visa Classic e fanoeng ke Mission Bank ea United States
- 450070 ke karete ea banka ea Visa Classic e fanoeng ke Banco Uno, SA e El Salvador
Li-BIN/IIN ho tloha ho 450071 ho isa ho 450080 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450071 ke karete ea banka ea Visa Classic e fanoeng ke Banco Uno, SA e El Salvador
- 450072 ke karete ea banka ea Visa Classic e fanoeng ke Banco Uno, SA e El Salvador
- 450073 ke karete ea mokoloto ea Visa Classic e fanoeng ke Zenith Bank Plc ea Nigeria
- 450074 ke karete ea mokitlane ea Visa Gold e fanoeng ke Zenith Bank Plc ea Nigeria
- 450075 ke karete ea mokitlane ea Visa Platinum e fanoeng ke Zenith Bank Plc ea Nigeria
- 450076 ke karete ea banka ea Visa Classic e fanoeng ke Intesa Sanpaolo Banka ea Bosnia le Herzegovina
- 450077 ke karete ea banka ea Visa Electron e fanoeng ke Intesa Sanpaolo Banka e Bosnia le Herzegovina.
- 450078 ke karete ea mokitlane ea Visa Business e fanoeng ke Intesa Sanpaolo Banka e Bosnia le Herzegovina
- 450079 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450080 ke karete ea mokitlane ea Visa e fanoeng ke Vazcorp Sociedad Financiera, SA naheng ea Ecuador
Li-BIN/IIN ho tloha ho 450081 ho isa ho 450090 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450081 ke karete ea mokoloto ea Visa Gold e fanoeng ke Interdin SA Emisora y Administradora de Tarjetas de Credit naheng ea Ecuador.
- 450082 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450083 ke karete ea mokitlane ea Visa Electron e fanoeng ke Zuno Bank AG ea Czechia
- 450084 ke karete ea mokitlane ea Visa Classic e fanoeng ke United Bank, Ltd. naheng ea Pakistan
- 450085 ke karete ea mokitlane ea Visa e fanoeng ke United Bank, Ltd. naheng ea Pakistan
- 450086 ke karete ea mokitlane ea Visa Gold e fanoeng ke United Bank, Ltd. naheng ea Pakistan
- 450087 ke karete ea mokitlane ea Visa e fanoeng ke United Bank, Ltd. naheng ea Pakistan
- 450088 ke karete ea mokitlane ea Visa Electron e fanoeng ke Eastern Bank, Ltd. naheng ea Bangladesh
- 450089 ke karete ea banka ea Visa Gold e fanoeng ke Hongkong le Shanghai Banking Corporation Limited (HSBC) tse Sri Lanka
- 450090 ke karete ea mokitlane ea Visa Classic e fanoeng ke Zenith Bank Plc ea Nigeria
Li-BIN/IIN ho tloha ho 450091 ho isa ho 450099 (Mefuta ea likarete tsa mokoloto le likarete tsa banka)
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- 450091 ke karete ea mokitlane ea Visa e fanoeng ke Zenith Bank Plc ea Nigeria
- 450092 ke karete ea mokitlane ea Visa e fanoeng ke Zenith Bank Plc ea Nigeria
- 450093 ke karete ea mokitlane ea Visa Corporate e fanoeng ke Zenith Bank Plc ea Nigeria
- 450094 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450095 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450096 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450097 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450098 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
- 450099 ke karete ea mokitlane ea Visa e fanoeng ke Canadian Imperial Bank of Commerce naheng ea Canada
Re tšepa sena lintlha tsa karete ea mokoloto ke mohloli oa bohlokoa oa litšupiso seo se kgotsofatsang bohelehele ba hao. Kaha linomoro tsa likarete li lula li fetoha 'me libanka li kopana kapa li hlōleha, ho nepahala ha ho tiisetsoe.
Ho na le likarete tsa mokitlane tsa 4500 le likarete tsa banka tse kae?
Joalokaha ho bontšitsoe lethathamong la rona la BIN/IIN ka holimo, ho na le likarete tse 100 tse fapaneng tsa 4500 tsa mekitlane tse fanoeng ke libanka tse 31 le litsi tsa lichelete.
Linomoro tsa ho qetela tsa karete ea mokoloto li bolela'ng? (Nomoro ea mantlha ea ak'haonte le nomoro ea cheke)
Kaha joale u se u fihlile mona, u kanna ua labalabela ho tseba ka tatellano e 'ngoe ea linomoro tse hatisitsoeng kareteng ea hau. Linomoro tsa 7 ho isa ho 15 ke tse Nomoro ea Ak'haonte ea mantlha (PAN) bakeng sa likarete tse ngata. Nomoro e 'ngoe le e 'ngoe ea karete ea mokitlane le ea mokitlane e na le PAN ea linomoro tse robeli, e leng karolo ea bohlokoahali ea nomoro ea karete ea mokoloto. Nomoro ea ho qetela, e bitsoang nomoro ea cheke, e sebelisetsoa merero ea ho netefatsa ho qoba ho lefisa lintho tse rekiloeng ho nomoro ea karete e fosahetseng.
Ha u ngola nomoro ea karete ea hau, ho ka etsahala hore u thaepe nomoro kapa tse peli hampe. Ke kahoo nomoro ea cheke, e leng nomoro ea 16, e leng teng. Litlhahlobo li sebelisoa ho netefatsa bonnete ba nomoro ea karete le bakeng sa ho lemoha li-typos. Marangrang a likarete a sebelisa 'Luhn Algorithm' ho netefatsa hanghang hore o kentse linomoro ka nepo ha o ntse o fokotsa bosholu. Kaha karete e 'ngoe le e 'ngoe ea banka le ea mokoloto e na le letoto la linomoro tse ikhethang, mokhoa oa lipalo oa algorithm o tiisa hore ho lefisoa linomoro tsa likarete tse nepahetseng feela.
Likarolo tse ling tsa ts'ireletso ea karete li kenyelletsa chip e kopaneng, letsatsi la ho felloa ke nako, boleng ba netefatso ea karete (CVV), le aterese e hokahaneng ea tefiso.
Tefo e tlase ke bokae ka karete ea mokoloto ea $4500?
Tefo e tlase ea tekanyo ea karete ea mokoloto ea $4500 hangata e ka ba $90, empa e ipapisitse le litlhoko tse tlase tsa tefo ea banka ea hau. Litefiso tse tlase tse tloaelehileng ke 1% ea tekanyo ea karete hammoho le tsoala le litefiso tsa morao-rao kapa 2% ea tekanyo ea karete.
U tlameha ho lefa bonyane khoeli le khoeli ho boloka akhaonto ea hau e le boemong bo botle le ho qoba litefiso tsa morao-rao. Haeba o ka lefa ho feta bonyane, o tla lefa tekanyo ea hau kapele mme o boloke chelete ka litefiso tsa tsoala. Ho boloka mekoloto ea hau e le tlase le ho lefa ho feta bonyane ho tla thusa lintlha tsa hau kaofela tsa mokoloto.
A na u ka lefa chelete e ngata ho feta bonyane ka karete ea mokoloto? (Lefa sekoloto sa hau kapele)
Ee, o ka lefa ho feta tefo e tlase ea karete ea mokoloto. Ho lefa ho feta bonyane bo hlokahalang ho o thusa ho lefa tsoala e nyane ho feta ha o etsa litefo tse fokolang feela. Ha e le hantle, tefo ea karete ea hau ea mokitlane e lokela ho lekana le chelete eohle khoeli le khoeli, kaha sena se tla u thusa ho qoba ho lefa tsoala.
Sebali sa tefo ea karete ea mokitlane
Sebali sa rona sa ho lefa karete ea mokoloto se u thusa ho bala hore na ho tla nka nako e kae ho lefa balanse ea karete ea hau ea mokoloto. Ho sebelisa sebali, kenya chelete ea karete ea mokitlane, sekhahla sa tsoala (APR) le tefo ea khoeli le khoeli. Calculator ea rona e tla u bontša hore na ho tla nka likhoeli tse kae ho lefa balanse ea hau.
Re tlatsitse khalkhuleita esale pele ka mohlala oa karete e setseng ea $4500, 21.50% APR, le tefo ea khoeli le khoeli ea $300. Ka litefiso tsa khoeli le khoeli tsa $ 300, karete e tla lefshoa ka likhoeli tse 17.63 (lilemo tse 1.47).
Mekhoa ea ho lefa sekoloto sa karete ea hau ea mokoloto
Ho na le litsela tse 'maloa tsa ho lefa molato oa karete ea mokitlane, empa mokhoa o molemo ka ho fetisisa o itšetlehile ka maemo a hau ka bomong. Haeba u na le sekoloto se seholo, nahana ka mokitlane oa ho kopanya likoloto kapa karete ea mokitlane ea ho fetisa chelete. Likhetho tsena li ka u thusa ho boloka chelete ho tsoala le ho etsa hore ho be bonolo ho lefa sekoloto sa hau. Haeba u na le sekoloto se senyenyane, u ka se lefa ka mokoloto oa hau kapa ka ho etsa litefello tse eketsehileng likareteng tsa hau tsa mokoloto tse teng.
Haeba u na le likarete tse ngata tse fapaneng tsa ho reka ka mokitlane, ho lefa karete ea phaello e phahameng ka ho fetisisa pele ho molemo ka ho fetisisa.
Hore na u khetha khetho efe, etsa bonnete ba hore u utloisisa lipehelo le maemo pele u itlama ho eng kapa eng.
Kakaretso ea sekoloto sa karete ea mokoloto ke bokae?
Ho ea ka boitsebiso bo tsoang ho Federal Reserve Bank ea New York, karolelano ea likoloto tsa likarete tsa mokitlane United States ke $5,769. Palo ena e ipapisitse le data ea Federal Reserve ea Consumer Credit Panel.
0 peresente e fetisang chelete ke eng?
Phaello ea 0 lekholong ke ha u fetisetsa tekanyo ea karete ea hau ea mokitlane ho karete e 'ngoe e nang le phaello ea 0 lekholong ea selelekela. Sena se o thusa ho qoba ho lefa litefiso tsa tsoala nakong ea kenyelletso, e leng ho u bolokelang chelete.
Karete ea ho fetisa chelete: Karete ea ho fetisa chelete e sebetsa joang?
Karete ea mokoloto ea phetisetso ea chelete e u lumella ho fetisetsa tekanyo ea karete e le 'ngoe ho karete e' ngoe ea mokoloto. Ena e ka ba mokhoa oa bohlokoa oa ho kopanya litekanyo tse ngata tsa likarete tsa mokoloto hore e be tefo e le 'ngoe ea khoeli le khoeli kapa ho nka monyetla ka APR ea phetisetso ea chelete ntle le tefiso ea ho fetisa chelete.
Ho etsa phetiso ea chelete, o tla hloka ho ikopanya le mofani oa karete ea mokoloto e mocha mme o ba fe lintlha tsa akhaonto bakeng sa karete ea mokoloto eo u batlang ho fetisetsa chelete ho eona. Mofani o tla qala phetisetso, 'me mofani oa karete ea hau o tla isa tekanyo ea hau kareteng e ncha ea mokoloto.
Lintlha tse ntle tsa mokoloto ke eng?
Lintlha tsa mokoloto tse 670 kapa ho feta li nkuoa e le lintlha tse ntle tsa mokoloto. Lintlha tse ntle tsa mokoloto li u thusa hore u tšoanelehe ho fumana likarete tse ntle ka ho fetisisa tsa mokoloto, meeli e phahameng, le litefiso tse tlase tsa tsoala.
Mona ke kamoo lik'hamphani tsa likarete tsa mokoloto li fetolelang lintlha tse fapaneng tsa mokoloto:
- 800 ho ea holimo: E ntle haholo
- 740 ho isa ho 799: E ntle haholo
- 670 ho isa ho 739: Ho lokile
- 580 ho isa ho 669: Ho lokile
Tekanyetso e tloaelehileng ea mokoloto kareteng ea mokoloto ke bokae?
Ho latela Experian, moeli o tloaelehileng oa mokoloto ho tloha ka 2020 e ne e le $30,365. Le hoja sena se ka 'na sa bonahala se phahame, meeli e tloaelehileng ea karete ea mokitlane e fapana ho ea ka lilemo le lintlha tsa mokitlane, kahoo u se ke ua tšoenyeha haeba moeli oa karete ea hau ea mokitlane o ka tlaase ho chelete ena.
Ke bala tekanyo ea tšebeliso ea mokitlane joang?
Ho bala karo-karolelano ea tšebeliso ea mokoloto, o hloka ho tseba lintho tse peli. Ea pele ke moeli oa mokoloto oa hau, e leng boholo ba chelete eo mokoloto oa hau a u fileng eona. Ea bobeli, o hloka ho tseba tekanyo ea hau ea hona joale. Ena ke chelete eo u e kolotang hajoale akhaonteng ea hau ea mokoloto.
Ka mor'a hore u be le moeli oa mokitlane oa hau le tekanyo ea hau ea morao-rao, arola tekanyo ea hau ea morao-rao ka moeli oa mokitlane oa hau ho bala tekanyo ea tšebeliso ea mokitlane. Nomoro e hlahisoang ke karo-karolelano ea tšebeliso ea mokoloto, e leng hore na ke bokae ba mokoloto oa hau oo u o sebelisang hajoale. Mohlala, haeba u na le tekanyo ea $500 le moeli oa mokoloto oa $1,000, karo-karolelano ea tšebeliso ea mokoloto oa hau e ka ba 0.5, e leng 50% ho latela liperesente.
Mokhoa oa ho bala tekanyo ea tšebeliso ea mokoloto oa hau ke:
Karolelano ea Tšebeliso ea Mokoloto = Tekanyo ea Hona joale / Moeli oa Mokoloto
Karolelano e phahameng ea tšebeliso ea mokoloto e tla ama lintlha tsa hau tsa mokoloto hampe, kahoo ho li boloka li le tlase kamoo ho ka khonehang ho molemo. Kgetho e nngwe ke ho etsa kopo ya moedi o phahameng wa mokoloto, e leng se bakang karo-karolelano e tlase ya tshebediso ya mokoloto.
Sebali sa phaello ea karete ea mokoloto
U ka sebelisa sebali sa rona sa phaello ea karete ea mokoloto ho hakanya hore na u tla lefa tsoala e kae khoeli le khoeli. Kenya tekanyo ea hau ea morao-rao le sekhahla sa tsoala, 'me sebali se tla etsa se setseng.
Hopola hore litefiso tsa hau tsa tsoala li tla fapana ho latela nalane ea hau ea tefo le lintlha tse ling. Haeba u lefa ka nako 'me u boloka tekanyo ea hau e le tlaase, u ka' na ua lefa phaello e fokolang ho feta motho ea nang le tekanyo e tšoanang ea sa lefeng likoloto tsa hae ka nako.
Mokhoa oa ho lefa tsoala e nyane ka karete ea mokoloto
U ka etsa lintho tse 'maloa ho lefa tsoala e nyane kareteng ea hau ea mokoloto. E 'ngoe ke ho etsa bonnete ba hore u lefa tekanyo ea hau ka botlalo khoeli le khoeli. Ka tsela ena, o tla qoba ho lefa tsoala ho balanse ea hau. Ntho e 'ngoe eo u ka e etsang ke ho fumana phaello e tlaase ka ho fetisetsa tekanyo ea hau kareteng e ncha e nang le sekhahla se tlase. U ka boela ua buisana le k'hamphani ea karete ea hau ea mokitlane ka sekhahla se tlase sa tsoala. Qetellong, o ka lefa sekoloto sa hau sa phaello e phahameng pele ebe o tsepamisa maikutlo ho lefelleng melato ea hau e meng.
Mokhoa oa ho fumana tsoala e tlase kareteng ea mokoloto
Ho na le lintho tse 'maloa tseo u ka li etsang ho leka ho fumana phaello e tlase ea tsoala kareteng ea hau ea mokoloto. Taba ea pele, u ka kopa k'hamphani ea karete ea hau ea mokoloto hore e u fe sekhahla se tlase. Haeba u na le nalane e ntle ea ho lefa le k'hamphani, ba kanna ba ikemisetsa ho u fa khefu ka sekhahla sa tsoala.
Ea bobeli, u ka etsa kopo ea karete e ncha ea ho reka ka mokitlane e nang le phaello e tlaase. Etsa bonnete ba hore u bapisa litefiso le lipehelo pele u fetola likarete e le hore u se ke ua qetella u e-na le theko e mpe le ho feta.
Qetellong, hopola hore ho lefa ka nako le ho boloka litekanyo tsa hau li le tlase ho tla thusa ho boloka litefiso tsa hau tsa tsoala li le tlase ka ho theha nalane ea hau ea mokoloto.
APR e emetse eng?
APR e emetse Annual Percentage Rate. Ke sekgahla sa tswala seo o tla se lefa ho balansi leha e le efe e saletseng morao akhaonteng ya karete ya hao ya mokoloto, e hlahiswang e le sekgahla sa selemo.
Mokhoa oa ho fumana karete ea hau ea mokoloto ea pele
Haeba u le mocha lefatšeng la mokoloto, u ka 'na ua ipotsa hore na u ka fumana karete ea hau ea mokoloto ea pele joang. Mona ke lintlha tse 'maloa tseo u lokelang ho li hopola:
1. Sheba lintlha tsa hau tsa mokoloto. Pele o etsa kopo ea karete ea mokoloto, ke mohopolo o motle ho hlahloba lintlha tsa hau tsa mokoloto ho bona hore na o eme kae. Haeba u na le lintlha tse ntle kapa tse ntle tsa mokoloto, u tla ba le monyetla o motle oa ho amoheloa bakeng sa karete e nang le lipehelo tse ntle.
2. Nahana ka likhetho tsa hau. Mefuta e mengata e fapaneng ea likarete tsa mokitlane e teng, kahoo ho bohlokoa ho bapisa likhetho tsa hau le ho khetha e lumellanang hantle le litlhoko tsa hau.
3. Bala mongolo o motle. Ha u se u khethile karete, bala lipehelo le lipehelo ka hloko pele u etsa kopo. Ka tsela ena, o tla tseba seo o ka se lebellang mabapi le litefiso tsa tsoala, litefiso le lipehelo tsa ho lefa.
4. Sebelisa mokitlane oa hau ka bohlale. Hang ha u se u amohetsoe bakeng sa karete ea ho reka ka mokitlane, ke habohlokoa hore u e sebelise ka bohlale. Seo se bolela ho lefa ka nako le ho boloka tekanyo ea hau e le tlase ho latela moeli oa mokitlane oa hau. Ka ho etsa joalo, o tla haha histori e ntle ea ho lefa e tla thusa ho ntlafatsa lintlha tsa hau tsa mokitlane ha nako e ntse e ea.
Capital One e tlaleha neng ho li-credit bureau?
Capital One e tlalehela liofisi tsa mekitlane khoeli le khoeli. Ho tlaleha khafetsa ho thusa ho boloka tlaleho ea mokoloto oa hau e le nakong ebile e nepahetse.
Karete ea mokitlane e sirelelitsoeng ke eng?
Karete ea mokoloto e sirelelitsoeng ke mofuta oa karete ea mokoloto e tšehelitsoeng ke depositi eo u e etsang le mofani oa eona. depositi ena e sebetsa e le tebeletso bakeng sa mohala oa mokoloto o kareteng, ho bolelang hore mofani a ke ke a lahleheloa ke chelete haeba o sa lefelle tefo ea hau. Likarete tse sirelelitsoeng e ka ba khetho e ntle bakeng sa batho ba nang le mokoloto o mobe kapa ba se nang nalane ea mokoloto, kaha li ka u thusa ho theha lintlha tsa hau tsa mokoloto ha nako e ntse e ea.
A na u ka fumana karete ea mokitlane ntle le Nomoro ea Ts'ireletso ea Sechaba (SSN)?
E, u ka fumana karete ea mokitlane ntle le nomoro ea ts'ireletso ea sechaba ka e 'ngoe ea litsela tse peli. Khetho ea pele ke ho etsa kopo ea Nomoro ea Boitsebiso ea Mokhethoa ka Mong (ITIN), e u lumellang ho etsa kopo ea likarete tse ngata tsa mokoloto. Khetho ea bobeli ke ho etsa kopo ea likarete tse 'maloa tsa mokoloto tse sa hlokeng SSN kapa ITIN, ho kenyeletsoa Deserve EDU Mastercard for Students, Oportun Visa Credit Card, le Tomo Credit Card.
Qetello: Mofuta oa karete ea mokoloto ea 4500? Karete ea Visa kamehla!
Liphetho tsa rona li bontša hore libanka tse 31 le litsi tsa lichelete li fana ka mefuta e 100 ea likarete tse 4500 tsa mokitlane le debit. Hape rea tseba hore karete e 'ngoe le e 'ngoe ea 4500 ea mokitlane kapa debit ke karete ea Visa.
Re tšepa hore lintlha tsena tsa karete ea mokoloto ke sesebelisoa se thusang se khotsofatsang bohelehele ba hau. Linomoro tsa likarete tsa mokoloto lia fetoha, linomoro tsa likarete li abeloa bocha, 'me libanka tsa lehae lia kopana kapa li hloleha, kahoo ho nepahala ha ho netefatsoe.