Xa abaninzi abahambi bajonga ukufaka ikhadi lekhredithi, ezinye zeengcamango zabo zokuqala zijikeleza malunga neengongoma kunye neekhilomitha abaziqokelelayo ukuze babone ihlabathi mahhala. Nangona udibaniso lweengongoma eziguquguqukayo kunye namaphuzu angamabala angancedisa abahambi ukubona ihlabathi ngeendleko eziphantsi, amakhadi enkoleko anokunika ukhuselo xa kwenzeka imeko engxamisekileyo.
Uninzi lwamakhadi ekhredithi ahambayo awaniki nje ngamaphuzu kunye neekhilomitha kunye nedola ngalinye elichithwe. Xa loo makhadi asetyenziswa ukuhlawula iindwendwe, abahambi ngeendlela ezifanayo bayongezwa ngeenzuzo ze-inshurensi ezihamba phambili . Ezi bhonasi zihamba ngaphaya kokubambisana ngokukhawuleza xa ukulahleka kwemithwalo, ukubonelela ngenqanaba elongezelelweyo loncedo xa kwenzeka isiganeko esingalindelekanga , ingozi okanye isifo esibi. .
Ngaphambi kokuba wenze izicwangciso zakho zokuhamba ezilandelayo, thatha isikhashana ukuba uqwalasele into ephakamileyo yakho. Amanqaku amathandathu anikezelwa ngetyala anikezela ngeenqwelo-moya ezihamba phambili xa usasebenzisa iindleko zokuhamba.
01 ngo-06
Eyona ndlela iphezulu: Chase Sapphire Reserve
Chase Bank NA Eqaliswe ngo-2017, i-Chase Sapphire Reserve enye yamakhadi athandwa ngabantu abahamba ngamazwe ngamaxesha amaninzi. Abantu abanike le khadi banokufumana iindlela ezininzi zokulinganisa imali engama-$ 450 yonyaka, ngakumbi ukuba kufuneka bafake i-inshurensi yebhendi yokuhamba.
I-Chase Sapphire Reserve ihamba neenzuzo ezininzi ze-inshurensi zokuhamba xa abahambi bebenzisa ikhadi labo ukuhlawula ihambo yabo. Abo baphoqelelwe ukuba banqande uhambo lwabo bangahlawulelwa kwi-$ 10,000 kwiindleko ezingabuyiselwayo ngamnye uhambo oluthileyo. Ikhadi liza kunye ne-$ 500 yezibonelelo zokulibaziseka kokuhamba, iintlawulo zokulibaziseka kwempahla emva kokuba umthwalo ulahleke ngaphezu kweeyure ezithandathu, kunye nomonakalo wokuqhaqha umonakalo wokuqhafaza ngokuzenzekelayo .
Yintoni eyenza le khadi inenzuzo kakhulu kukuba le nzuzo iyanwezelwa kumnini wamakhadi okanye kumalungu osapho esondeleyo, nokuba ngaba umnini-makhadi oyintloko akahambanga. Nangona kunjalo, ukwenzela ukuba ezi zibonelelo zivumeleke, uhambo kufuneka luhlawulwe kunye nekhadi, okanye ngokuthe ngqo kwiiNqaku eziPhambili ezizuziweyo kwikhadi.
02 we-06
Eyona ndlela ilungele ukuKhutshwa kokuKhuphela: Tshutshisa iSafa ekhethiweyo
Chase Bank NA Ukufumana iintlawulo ze-inshurensi yokuhamba ngekhadi lokuthenga i-credit card akufuneki ukuza kunye nemali ephezulu yonyaka. Ikhadi elikhethiweyo likaCafe Saphiri yenye yeyona makhadi adumile kakhulu e-United States, kwaye inikezela ngenani leenzuzo ezibalulekileyo kwi-$ 95 yemali yonyaka.
Ngokufana ne-Chase Sapphire Reserve, i-Chase Sapphire Preferred nayo iza ne-$ 10,000 yokukhansela okanye ukuhamba ukuphazamiseka kohambo. Le ngenelo inikezela ukuhanjiswa kweeholide eziphambili, ukuhamba okanye izithuba ezithengiweyo mhlawumbi usebenzisa ikhadi lokuthenga ngetyala okanye usebenzise ngokuthe ngqo amaphuzu aMaHlomelo. Iziganeko ezifihliweyo zibandakanya ukufa, ukugula okanye izenzo zentsapho (kubandakanywa nomsebenzi weejury) wehambo, okanye iziganeko ezinobungozi ezibandakanya imozulu engqongileyo, umsebenzi wesigebengu okanye ukuphanga, kunye nokutshatyalaliswa komniki-ntengiso.
Ukongeza, i-Chase Sapphire ekhethiweyo inika neenzuzo ezininzi zekhadi lesikweletu ngalabo abasebenzisa lekhadi ukuthenga ukuhamba kwabo, kubandakanywa ukukhutshwa kwezinto zokubambezeleka nokuncedisa uncedo ngexesha lohambo.
03 we-06
Eyona ndlela ilungele ukuKhutshwa kwemithwalo: Citi Prestige Card
Citibank Kwiimeko ezininzi, inzuzo yokulibaziseka kwempahla kwi-inshurensi yokuhamba ngekhadi yesikweletu okanye i-inshorensi yokuhamba yomshuwalense wenkampani yesithathu idinga ukuba umhambi abe nezinto zakhe ezingekho ngexesha elithile. Inkoliso emininzi yoshishino idinga ukuba imithwalo ilahleke phakathi kweeyure ezintandathu kunye ne-12 phambi kokusebenza kwezibonelelo.
Yilokho eyenza iCiti Prestige Card enye yamakhadi alungileyo kubahambi abahlala behlola umthwalo wabo ukuya kwindawo yabo yokugqibela. I-Citi Prestige Card inikezela kwi-$ 500 kwimpahla yokulibaziseka kwempahla nganye, ngohambo ngalunye, ukuba umthwalo awufiki kumhambi ngeeyure ezintathu. Ukuze kusebenze le ntlawulo, abahambi kufuneka bathenge uhambo lwabo ngokusebenzisa iKhadi labo leCiti Prestige, okanye ngokuthe ngqo kunye ne-ThankYou Amaphuzu afunyenwe ngokusebenzisa imali ekhadini.
Ngaphambi kokuba uqhube uchitha i-spree xa umthwalo ulahlekile, qiniseka ukuba uqonda ukunciphisa imivuzo. Inzuzo ayiyi kugubungela ukuthengwa kwanto nayiphi na into engekho kwimithwalo elahlekileyo, kwaye ayiyi kugubungela imithwalo elahlekileyo ekuhambeni ukubuyela kwindawo yokuhlala ehamba phambili.
04 we-06
Eyona ndlela ilungele ukulahlekelwa kwemithwalo: Hlanganisa iBusiness Business
Chase Nangona abaninzi bebheka amakhadi ekhredithi yoshishino ukuba igcinwe ngokuthe ngqo kwiinkampani ezisebenzayo, abantu abanekhredithi enhle abaqalisa ishishini elincinci banokufumana ilungelo lokufumana ikhadi lekhredithi. Ngenxa yoko, abaninzi abantu banokuzuza kwiintlawulo eziza kumakhadi amashishini amancinci - kuquka iintlawulo zeinshorensi zokuhamba.
Ikharityhulam yekhredithi engcono kakhulu yeekhredithi zokuhamba nge-inshorensi yi-Chase Ink Ibhizinisi ekhethiweyo, enika izikhuselo ezininzi kubanini bamakhadi. Esinye sezibonelelo ezixabisekileyo eziza kule khadi yokhuseleko lokulahlekelwa kwempahla . Kwimeko apho umphathiswa oqhelekileyo (njenge-airline, umqhubi wee-train, okanye umgca we-cruise) ulahlekelwa ngumthwalo wendlela yomhambi, ukuchithwa kweeNkampani yeeNkampani ezikhethiweyo kufaka kwi-$ 3,000 ekubuyiselweni.
Enye inzuzo enikwa kuphela ngeChese Ink Business ekhethiweyo ibandakanya ukufakwa kwefowuni. Ukuba umhambi ulimaza i-cell phone, ulahlekelwa ngumnxeba, okanye ifowuni yakhe ibiwe, iKhadi elikhethiweyo leBusiness Inkampani lingakunika inzuzo kwifowuni entsha.
05 ka 06
Eyona ndlela ihamba phambili ngeZingozi zokuhamba: Hlaziya iJP Morgan Reserve
Chase Bank NA Ukuze abahambi bezondlo abanalo ubudlelwane kunye neChase Private Banking, iinkonzo zamakhredithi eziphezulu ziyakunika amanqanaba okukhusela aphezulu. Oku kuyinyaniso kwiChete ye-Chase JP Morgan Reserve yamakhadi, atholakale kulabo bathengi abakhethiweyo bunye lweebhanki ezinkulu zaseMelika.
Abahambi abazithengela uhambo lwabo lokuhamba ngekhadi le-JP Morgan Reserve banokufikelela kwinani leemeko eziphuthumayo xa kwenzeka ingozi. Abahambi abahamba ngaphaya kweekhilomitha ezili-100 ukusuka kwikhaya labo eliphambili banokufumana i-reimbursement ukuya kwi-$ 2,500 kwiindleko zonyango eziphuthumayo kunye neengqondo njengemiphumo yokulimala, ngelixa abo bafuna ukufuduka kwimeko yongxamiseko okanye ukuthutha banokufumana i-$ 100,000 kwi-coverage. Ukongezelela, ukuba abo bahambahambayo bafumana ingozi ephumela ekufeni okanye ekudityanisweni, abahambi banokufumana i-$ 1 yezigidi kwi-postage emva kokuxakeka.
Ngelixa iinzuzo zihamba phambili kunye nabathengi abakhethiweyo abamba leli khadi, bafaka izicelo kwaye bafumana imvume yokuba eli khadi liphezulu kakhulu. Ukuze kucatshangelwe, abahambi kufuneka babe nolwalamano ne-Chase Banker Private Client, omele angenise isicelo sabo egameni lawo.
06 we-06
Eyona ndlela ilungele ukukhutshwa ngonyango: I-Platinum Card evela kwi-American Express
American Express Enye yezona nkxalabo ezihamba phambili ezihamba ngamazwe zifumana ingozi efuna ukuphuma kwonyango. Ukuhamba nge-ambulensi yomoya kwiziko lonyango elifanelekileyo lingadola amawaka eedola phambi kweendleko zonyango.
Kulabo bahamba kude nekhaya rhoqo, i-Platinum Card esuka e-American Express inikezela ngeenzuzo zokuhamba ngeenyawo ngexesha elide ukusuka ekhaya . Kwimeko apho umhambi efuna uncedo lwezokwelapha kunye neengcali zezokwelapha zifuna ukukhutshwa konyango kufuneka, i-Premium Hotline yoHlelo lweHlabathi (efumaneka kuwo wonke abanikazi bamakhadi asePlatinum) inokudibanisa ukukhutshwa kwonyango kwimeko yokugula okanye ukulimala. Ukuze usebenze le ntlawulo, uhambo kufuneka lulungelelaniswe nge-American Express - kwaye xa lenziwe ngokuchanekileyo, lungaze longeze iindleko ezongezelelweyo kumhambi.
Nangona le ngeniso inokuba yiyona nto ibaluleke kakhulu kuzo zonke iingeniso ezingentla, ifikeleleke. Okokuqala, ikhadi liza nentlawulo ye-$ 550 yonyaka-eyinto ephantsi kakhulu kunokukhutshwa kwonyango, kodwa ixabisa kakhulu kunamanye amaninzi amakhadi. Okwesibini, inzuzo ingasebenza kuphela nje ngenxa yengozi yangempela. Ukulimala okanye ukugula okuzenzekelayo okanye umphumo wesenzo semfazwe akuvumelekanga.
Imida yeeNgxowa-mali zeNkampani zeNkampani zeNkcitho yeKharityhulam
Njengoko nayiphi na isicwangciso se-inshurensi yokuhamba, kukho inani lokunciphisa ukuqwalasela phambi kokusebenzisa inzuzo. Kwezinye iimeko, iinzuzo ezikhankanywe ziza kubakho ukufikelela kwesekondari. Ngenxa yoko, umboneleli we-inshorensi yokuhamba unokufuna ukuba abahambi bafake iifayili evela kwezinye iindawo, kubandakanywa nabanikezeli bomshuwalense okanye abathwali abaqhelekileyo. Omnye umgudu oqhelekileyo abahambahamba abahlala bengaboni ukuba imimiselo neemeko zentlawulo nganye. Umzekelo: icebo lokukhansela lokuhamba, alifani necebo " Ukukhansela Nasizathu ", esithetha ukuba abahambahambayo abazama ukukhansela uhambo lwabo ngenxa yesizathu esingabonakaliyo banokushiywa bephethe ibhilikhi yohambo lwabo.
Ngaphambi kokusebenzisa nayiphi na inzuzo ye-inshurensi yokuhamba, qiniseka ukuba uyayiqonda yonke imiqathango neemeko ezilawula inzuzo. Kubalulekile ukufaka ikopi yekharityhulam yokufumana inzuzo ngekhampani yongxamiseko yokuhamba, kwaye ubiza umnini-mthengi wekhadi ngaphambi kokuba athathe inzuzo yokuqonda indlela inkqubo yebango esebenza ngayo.
Nangona i-inshorensi yokuhamba ihlala ilungile kakuhle ukuhamba kwamanye amazwe, abahambahambayo abaninzi banokuba sele benomgangatho wokubhengezwa ngaphandle kokwazi. Ngokuqonda iingenelo ezisele zifikeleleke ngamakhadi-mboleko atholakalayo, abahambi bamazwe ngamazwe banokuhlala bekhuselekile, bakhuselekile kwaye bakhuselwe xa bebona ihlabathi.