Ngaba ufumana into othemba ngayo ngekhadi lakho lokuthembeka?
Kwiinyanga ezimbalwa ezedlulileyo, ndabhala malunga nendlela yokukhetha ukunyaniseka kwekhadi lekhredithi elungileyo . Kodwa ukunyaniseka kumvuzo wamakhadi esikwereti kakhulu kufana nobuhlobo. Njalo emva kwesikhashana, kufuneka uthathe isinyathelo emva koko ubuze, "Ngaba oku kusebenza kum?"
Ndikwenza oku ngamaxesha onke ngamakhadi am ngenxa yokuba iimeko zihlala zitshintsha, nokuba ngaba izinto eziphambili kwindlu yakho, isimo sezengqesho, imeko yezindlu, impilo okanye impilo.
Siyabhalisela kula makhadi ngamathemba okugxotha amanqaku kwaye sondela ngakumbi ekuzihlanguleni kwiinqwelo-moya, iihotele, iimoto eziqashisayo kunye nempahla, kodwa ngaba yindlela izinto ezidlala ngayo ubomi boqobo?
Ikhadi lakho kufuneka lihambe kunye nalapho ukhona khona ngoku. Zibuze le mibuzo ukuze uqinisekise ukuba ufumene izibonelelo ezifaneleke kuwe.
Ngaba iCandelo loTshintsho lwam loTshintsho?
Enye yezinto zokuqala oza kufuna ukuyijonga yindlela yokuchitha imali kunye nokuba uyayisebenzisa ngokukhawuleza ukukhawuleza amaphulo athembekileyo. Ukuba awukho, awuyi kusondela ekuvuneni umvuzo othemba ngawo.
Unako ukukhulisa amandla akho okukhawuleza amanqaku okanye iikhilomitha ngokuhambisa ezinye iindleko zakho kunye neendleko ngekhadi. Ingaba ibhajethi yamanzi okanye igesi kwisithuthi sakho, ezo ndleko ziza kukhawuleza ixabiso lakho lokuqokelela. Qiniseka ukuba uyazi nawaphi na amaqabane adibene nekhadi lakho. Laba bahlala banika iibhonasi kwaye bakubonelela ngokusetyenziswa ngaphaya kwexesha eliqhelekileyo le-point-to-one dollar.
Umzekelo, ikhadi le-Gold Express Premier Rewards Gold likunika kathathu amaphulo e-airfare.
Ngaba Ndiyakufumana zonke iiPray?
Uhambo lwakho lokuvuza umvuzo mhlawumbi lwafika ngokubulawa kwezibonelelo. Uyaziwa nabo bonke? Qinisekisa ukuba uyazi izinto ezinikwayo kwaye usebenzise inzuzo yakho.
Oku kunokuthetha ukukhusela i-inshorensi ngezinto ezifana nokulibaziseka kwehambo, ukulahlekelwa kwempahla, iimoto zokuqashisa, ukuphuthuma kwezokwelapha, ukuqinisekiswa kwandisiweyo kunye nokuthengiswa kwempahla.
Xa uhamba, ikhadi lakho kufuneka libe ngumlingane wakho rhoqo. Iinkampani ezininzi zinika ixabiso elingcono kwiintengiso zangaphandle kuneebhanki. Umzekelo, i-Chase Sapphire ekhethiweyo yikhadi elilodwa elikunceda ukuba udibanise imali leyo yokuthengiswa kwamanye amazwe.
Kwakhona kubalulekile ukuqhubeka kunye naluphi na utshintsho lomgaqo-nkqubo. Iinkampani zihlala zilungelelanisa ukunikela kwazo, ukudala ibhonasi, ukuguqula amanqanaba okuhlengwa, imihla yokuphuma, imirhumo, imihla yokuphela kunye nemithetho yokusetyenziswa. Ukuba ezo zitshintshi azikho nto okanye zikhulule iindawo zakho ezingavumelekanga, kusenokuba lixesha lokuchitha ikhadi lakho.
Ngethamsanqa kubathengi, ukunyaniseka kukuvuza ibhizinesi yoshishino kukhuphiswano kakhulu, kwaye iinkampani zihlala zifumana ibhonasi engcono yokubhalisa ukuthengisa abathengi abatsha. Jonga kwiimvumelwano apho umrhumo wonyaka uchithwa unyaka wokuqala-indlela enhle yokuzama ikhadi elingenamngcipheko.
Yimdlalo Wami Wokuphela?
Xa usayinwe kuqala kwikhadi lakho lesikweletu, mhlawumbi wenza njalo ngenjongo engqondweni. Mhlawumbi yayikukhawuleza iikhilomitha ezaneleyo ukuba ithathe ikhefu leentsapho ukuya eHawaii, okanye mhlawumbi ihlanganiswe nethemba lokuyisebenzisa ukuxhasa umtshato wendawo.
Ngaba iindiza ziyiyona njongo yakho ephambili yokuqokelela? Ukuba izinto zakho eziphambili ziye zatshintsha kwaye ufanele ufumane imali okanye ihotele ehlala kunye neeprogram ezinjengeMarriott Rewards, unokufuna ukucingisisa isicelo sekhadi elifanelekileyo kangangoko iimfuno zakho zangoku.
Ngaba kukho iNyanga yoNyaka?
Xa uhlawula umrhumo wonyaka wokuphatha ikhadi lomvuzo wokuhamba, awufuni ukukhawuleza ukugxuma inqanawa. Uya kufuna ukuqhagamshelana nomkhupheli ukuze ufumane ukuba unyanzelekile ukuhlawula umrhumo wonke ukuba ukhetha ukukhansela. Abanye abathumeli banokukunika imali ebuyisiweyo ngokusekelwe kwithuba elide usebenzise leli khadi. Yinto ekufuneka uyiqwalasele.
Imali yakho yonyaka yinto enye ebalulekileyo ekunqumeni ukuba ukunyaniseka kwakho kukuvuza ikhadi kukusebenzela. Ukuba akuyi kuphuma kwi-wallet yakho, awufumani imali yakho. Ngaphezulu, amanqaku angama-akhawunti angasebenzi asemngciphekweni wokuphelelwa yisikhathi, abanikeze bengenanto.
Qiniseka ukuba ukhangele iipolisi zomnikeli wakho wekhadi. Ikhadi elisetyenziswa kakuhle (ngeendlela zakho, ngokuqinisekileyo) lihlala likhethwa ngokukhethekileyo lokufumana umvuzo onqwenela kakhulu.