Gcina la makhadi kwi-wallet yakho xa uhamba ngeflaya
Izipapasho ezininzi zedijithali ziya kunceda zonke iipalati zamakhadi ezihamba ngamaphupha abuxabayo abazenzayo ngemali yansuku zonke. Nangona la makhadi anika imivuzo enempilo, abanye banikela ngokugqithisileyo kunokuphucula ngokukhawuleza okanye ithikithi lomoya we-free. Enyanisweni, amaninzi amanqaku aphezulu okuhamba ngeekredithi ahamba neenkqubo zomshuwalense yokuhamba enokubambisana nenkqubela phambili ye-inshorensi yamathathu .
Abangaziwa ngabaninzi, amanye amakhadi ekwereta afika ngezinga eliphezulu eliphezulu lokukhusela i-inshorensi yokuhamba enokuthi isebenze xa imithwalo ilahlekile okanye ibiwe , iindiza zilibazisekile, okanye iimeko eziphuthumayo kunye neentlekele zemvelo ziphuma emhlabeni jikelele.
Abo bahamba ngeenxa zonke ihlabathi basoloko sele benayo enye yala makhadi kwi-wallet yabo. Ukuba kunjalo, qiniseka ukuba ukhangele i-coverage enikezelwe ngamakhadi angcono kakhulu kwiklasi ngaphambi kokuthenga umgaqo-nkqubo we-inshurensi yokuhamba.
Chase Sapphire ekhethiweyo
Abaninzi abanokuhamba bahamba ngekhadi elikhethwe yiChase Sapphire ngenxa yeengongoma eziguquguqukayo abahambahambayo abazenzayo ngemali yansuku zonke. Okubaluleke nakakhulu, i-inshorensi ye-Chase Sapphire ekhethiweyo yokuhamba inika neenzuzo ezingaphezulu. Abahambi abaphethe kwaye bahlawule uhambo lwabo kunye neChese Sapphire ekhethiweyo banokuvula ezininzi iintlawulo ze-inshurensi zokuhamba njengoko bebona ihlabathi.
Ukuqala, i-inshorensi ye-Chase Sapphire ekhethiweyo yokuhamba yonikezela ukuhanjiswa kokuhamba, ukuphazamiseka kohambo, kunye nokulibaziseka kokuhamba okufana neenkqubo ezininzi ze-inshorensi zokuhamba ezisemgangathweni. Abahambi baqinisekisiwe ukuhanjiswa kweenqwelo ezifikelela kwi-R10 000, kunye nexesha lokulibaziseka kokuhamba ukuya kuma-$ 500 ngekitikithi.
Intshurensi ye-Chase Sapphire ekhethiweyo inika inkxaso yokulahlekelwa imithwalo yempahla, ukufikelela kuma-3,000 kwiimeko apho umthwalo wakho ulahlekileyo okanye ubiwe.
Amakhadi amaninzi amatyala afuna ukuba abahambi bahlawule umjikelezo wabo wonke ekhadini ukuze bafumane inzuzo yenkqubo yomshuwalense wokuhamba.
Kwi-inshurensi ye-Chase Sapphire ekhethiweyo yokuhamba, abahambi bafuneka kuphela ukuba bahlawule inxalenye yohambo lwabo kwikharityhulam ye-credit ukuze bafumane inzuzo. Le yodwa yenza i-Chase Sapphire ikhethwe enye yamakhadi anamandla kakhulu kwi-inshurensi yokuhamba.
Citi Prestige MasterCard
Ngokuqhelekileyo kuthelekiswa ne-American Express Platinum Card, i-Citi Prestige MasterCard iza neenzuzo ezininzi eziphezulu zokuhamba ngeendwendwe. Ukongezelela ekufumaneni iingongoma ezibalulekileyo ezingasetyenziselwa ukuhamba ngeendlela zokuhamba, iCiti Prestige MasterCard iphinda ifike ngeenzuzo zegalufa kwizifundo ezizimeleyo kunye nokufikelela kuma-lounge ama-American Airlines Admirals Club.
Nangona eli khadi lezintlu liza neendawo ezininzi zokunethezeka, enye yezona zininzi ezithethwa phantsi kwazo yile nqanaba le-inshurensi yohambo ekhoyo. Abahambi ababona ihlabathi kunye neCiti Prestige MasterCard banokufikelela kwinqanaba le-uncedo lwangxamisekileyo lweeyure ezingama-24, badibanisa nabaqhubi abanolwazi abanokuzixhuma kwiinkonzo abazifunayo. Ngefowuni enye, abahambi bangakwazi ukuhanjiswa kwizibhedlele zasekuhlaleni, bafumane i-pre-clearance kwonyango, okanye bahlele ukufuduka kwexesha lokuhamba ekhaya ngenxa yokuphazamiseka kokuhamba okanye ezinye iziganeko. Ukongezelela, abahambi banokufikelela kwi-$ 3,000 yenzuzo yempahla elahlekileyo, xa umthwalo wabo ungabonakali nawo.
Nangona ikhadi liza nexabiso eliphezulu kunyaka ngamnye, ukwenza ityala enye yomshuwalense yebhendi inokuhlawula ezo meko. Ngako oko, iCiti Prestige MasterCard yilawo wonke umhambi welizwe oqhelekileyo kufuneka aqwalasele ngaphambi kokuhamba.
I-US Bank FlexPerks yokuRhola imivuzo
Nangona abaninzi bengaboni i-US Bank ukuba yiyona bhanki enkulu yekhredithi ekhupha i-bhanki, eli liziko elineminyaka eyi-160 ngumdlali oyintloko. Ukususela ngoSeptemba 2015, le Bhanki yase-US ibanjwe i-bhanki enkulu kunazo zonke e-United States, enezigidi ezingaphezu kwe-416 yezigidi kwiifa. Ngelixa loo manani ayamangalisa, ngokukhawulelana ngokulinganayo kunye neenzuzo ezinikezwa kwi-US Bank FlexPerks Travel Rewards kwikhadi lekhredithi.
Njengamanye amakhadi kwinqanaba lokuhamba, ikhadi le-US Bank FlexPerks Travel Rewards linikela ngokukhawuleza kwimiba yezokwelapha ngeli phesheya, ukukhanselwa kohambo, ukulibaziseka kokuhamba, kunye nokuphazamiseka kohambo.
Nangona kunjalo, amakhadi anika uxolo lwengqondo kulabo bachaphazelekayo malunga neengozi zaphesheya. Abo bahlawula uhambo lwabo kunye nekhadi banelungelo lokufumana i-$ 1 yezigidi zokungena kwengozi yokuhamba, ngaphezu kwenkxaso yemoto yokuqeshisa kunye noncedo oluphuthumayo. Ukongeza, ikhadi liza kunye ne-$ 2,500 kwi-inshorensi yobunikazi besazisi - kwimeko apho inombolo yekhadi lesikweletu ibiwe xa ihamba.
Nangona kungenako ukubonakala njengamanye amakhadi okuhamba, ikhadi le-US Bank FlexPerks Travel Rewards liza negalelo elipheleleyo lezinzuzo zalo. Abahambi abafuna iinkalo zombini eziguquguqukayo kunye nenqanaba eliphezulu lokunyamekela kufuneka bacinge ukufaka eli khadi kwi-wallet yabo.
Ezinye iingqungquthela malunga neCredit Cards kunye ne-Inshorensi yokuhamba
Njengoko kubhaliwe malunga nokuqala , i-inshurensi yohambo ehlinzekwa ngamakhadi-mboleko ayisoloko iyona nto ibhetele yokuhamba ngayo idola yakho ehambahambayo. Ezinye iinkqubo zee-inshorensi zokuhamba ngekhadi zesikweletu zisesibini , kunokuba ziphambili. Ukuba abahambi kufuneka bakhuphe kulo mgaqo-nkqubo, baya kukwazi ukwenza oko nje ngokuncedisa kwimigaqo-nkqubo ye-inshorensi ekhoyo. Ukongeza, amakhadi amaninzi afuna ukuba wenze ukuthengwa kwakho kwiphepha lekhredithi. Abo bangenzi konke ukuthengwa kwikhadi banokufumana amabango abo ngenxa yeenzuzo ezichaswe ngokukhawuleza.
Amakhadi eitaliti awaphela nje malunga neengongoma - anokubonelela ngeenzuzo ezibalulekileyo xa kufika ixesha lokuhamba. Ngokuthwala elinye lala makhadi, abahamba ngeyona ndlela bancedisa ngokwabo nje ukuba bafumane uhambo olukhululekile, kodwa banokuzikhusela ngokwabo imeko enzima kakhulu.
Ed. Qaphela: Akukho mbuyekezo okanye inzuzo eyinikwe ukukhankanya okanye ukuxhuma kuyo nayiphi na imveliso okanye inkonzo kule nqaku, kwaye umlobi akafumani nayiphi na intlawulo yinto ekhoyo kule nqaku. Umxholo wokuhlela kweli phepha awunikezelwa nayiphi na ibhanki, umniki wekhadi lokuthenga ngetyala, i-airline okanye i-hotel chain, kwaye ayizange ihlaziywe, ivunyiwe okanye yamukelwa yile nxalenye yale mibutho. Iingcamango ezichazwe apha zimbhali zodwa kwaye zingabonakali ezi zinto zikhankanywe apha kweli nqaku.