Imali mboleko ye-Capital One yomuntu siqu ngeSpanishi. Ungayithola Kanjani Imalimboleko Yomuntu Ku-Capital One Ukusesha kwakho izimalimboleko zakho kungaholela ku-Capital One, elinye lamabhange amakhulu e-US elaziwa ngamakhadi alo wesikweletu nama-akhawunti asebhange aku-inthanethi.
Imalimboleko yomuntu siqu yimali mboleko engaphephile ongayithola ngaphandle kokunikeza noma yisiphi isibambiso.
Ngokungafani nemalimboleko yekhaya noma yemoto lapho ibhange lingathola khona lokho elikuthengile ngemalimboleko, eyaziwa nangokuthi imalimboleko evikelekile, ibhange lithembele ezwini lakho kuphela ukuthi lizobuyisa imali ebolekiwe.
Ungasebenzisa izimalimboleko zakho ngezinhloso ezahlukahlukene, njengokuhlanganisa izikweletu, ukuthuthukisa ikhaya, noma ukukhokha izikweletu ezingalindelekile.
Funda ukuthi yibaphi ababolekisi abanikela ngemalimboleko yomuntu siqu futhi ubone ukuthi imaphi imali mboleko enikezwa yi-Capital One.
Faka isicelo sekhadi lesikweletu le-Capital One ngeSpanishi
Ukufaka isicelo se-Capital One credit card landela le miyalo:
- Ngena ngemvume ku capitalone.com/credit-cards/prequalify futhi ngemizuzwana engaphansi kwengu-60 uzobona ukuthi ufanelekile yini.
- Gcwalisa imenyu ngolwazi oluceliwe: Igama lakho lokuqala, isibongo sakho, usuku lwakho lokuzalwa, inombolo yakho yokuphepha komphakathi, ikheli lakho lokuhlala ngaphandle I-CMRA noma Ibhokisi le-PO futhi uma kusebenza, beka igumbi elikhulu.
- Phendula lo mbuzo olandelayo isayithi elizokubuza ngalo ngenzuzo oyitholayo ngekhadi eliyinhloko, ungaphendula umvuzo wokuhamba, ukubuyiselwa imali, inzalo ephansi noma anginaso isiqiniseko okwamanje.
- Phendula ukuthi ulilinganisa kanjani izinga lakho lesikweletu, lingaba lihle kakhulu, limaphakathi noma lakhiwe kabusha.
- Thikha ibhokisi ngiyaqonda ukuthi lesi akusona isicelo sekhadi lesikweletu.
- Ekugcineni chofoza ukubona ukunikezwa kwekhadi labo.
Ungasifaka kanjani isicelo semalimboleko yomuntu siqu
Lapho ufaka isicelo semalimboleko yomuntu siqu, umbolekisi uzocela imininingwane ezosetshenziselwa ukuqinisekisa ubunikazi bakho.
Izophinda isebenzise imininingwane ukuthola ukuthi unesikweletu yini nokuthi uyakwazi yini ukukhokha njalo ngenyanga.
Olunye ulwazi ozodinga ukulunikeza lubandakanya:
- Igama
- Usuku lokuzalwa
- Ubufakazi bokuzazisa, njengelayisense yokushayela
- Inombolo yokuphepha Komphakathi
- Ubufakazi bemali engenayo, njengezitatimende zasebhange noma izinti zokukhokha.
- Ukuqinisekiswa kokuqashwa
Yize lolu hlu lungabonakala lukhulu, kuhle ukuthi kunikezwe eminye imininingwane.
Ababolekisi abasebenza ngokuzikhandla kwabo futhi bacele imininingwane eminingi banganquma ngokunembe kakhudlwana amathuba akho okwehluleka ukubolekwa imali.
Lokho kusho ukuthi bangabeka amanani enzalo ngokunembile, ngakho-ke uma isikweletu sakho silungile, imali mboleko yakho izobiza.
Ungawandisa Kanjani Amathuba Akho Wokutholwa Ngemalimboleko Yomuntu
Ukuze uthuthukise amathuba akho okuthola imvume yokubolekwa imali, kunezinyathelo ezimbalwa okudingeka uzithathe.
Okokuqala ukuthuthukisa amaphuzu akho esikweletu. Esikhathini esifushane, indlela engcono yokwenza lokhu ukunciphisa ukusebenzisa kwakho izikweletu nokususa amamaki alulazayo kumbiko wakho wesikweletu.
Unganciphisa ukusetshenziswa kwakho ngokukhokha izilinganiso zakho zekhadi lesikweletu. Ukukhulisa imikhawulo yakho yesikweletu akukhuthazi ukuzethemba kumbolekisi.
Ukususa amamaki alulazayo kumbiko wakho wesikweletu, ungazama ukuxhumana nababolekisi bakho bangaphambilini ukuhlela isivumelwano sokukhokha.
Enye indlela yokwandisa amathuba akho okuvunyelwa ukwehlisa isilinganiso sakho sesikweletu kuya kwengeniso.
Uma ukhokha esinye isikweletu noma ukhulisa imali oyitholayo, uzoba nemali eningi ongayenza ukuze wenze izinkokhelo zakho ezintsha zemalimboleko.
Amakhadi esikweletu ama-7 Best Capital One ka-2021
Faka isicelo se-Capital One credit card .
ICapital One iphakathi kwezinkampani ezihamba phambili zamakhadi wesikweletu jikelele ngoba inesikhalazo endaweni yonke, enamakhadi amahle abantu bawo wonke amazinga wesikweletu, nezici eziningi ezisebenziseka kalula. Isibonelo, i-Capital One ingenye yezinkampani ezimbalwa ezinkulu zamakhadi wesikweletu ezisusa imali yokuthengiselana kwamanye amazwe kuyo yonke iminikelo yabo yekhadi lesikweletu. Amakhadi esikweletu i-Capital One nawo anemabhonasi omvuzo ophanayo kakhulu akhona.
Ukukusiza ukuthi uthole ikhadi elihle kakhulu lesikweletu le-Capital One ngezidingo zakho, abahleli be-WalletHub baqhathanisa konke okunikezwayo okutholakalayo ngokuya ngemiklomelo yabo, imali ekhokhwayo, izimali, nezidingo zemvume. Sibe sesikhetha amakhadi wesikweletu aphambili kakhulu we-Capital One ezigabeni ezidume kakhulu. Ungafunda okuncane mayelana nokukhethwa ngakunye kweWalletHub ngezansi.
I-Capital One Quicksilver Cash Rewards Ikhadi Lesikweletu
Ikhadi lesikweletu elihle kakhulu le-Capital One lokubuyiselwa imali yikhadi lesikweletu leCapital One Quicksilver Cash. Abakwa-Quicksilver bavuza abanikazi bamakhadi ngenani eliphansi, babuyisela imali engu-1.5% kukho konke ukuthenga. Iphinde ibe nemali engu- $ 0 yonyaka.
Imiklomelo ye-Capital One Venture Ikhadi Lesikweletu
Ikhadi lesikweletu elihle kakhulu le-Capital One lemivuzo yokuhamba yikhadi lesikweletu le-Capital One Venture Rewards. IVenture inikeza ibhonasi yokuqala efinyelela kumamayela ayi-100,000 ngokuchitha u- $ 20,000 ezinyangeni zokuqala eziyi-12 zokuvulwa kwe-akhawunti. Noma usengathola amamayela angama-50 000 ngokuthenga u- $ 3,000 ezinyangeni ezintathu zokuqala. Amamayela angama-50 000 abiza u- $ 500 ngohambo. Abanikazi bamakhadi bathola amamayela ama-2 ngayo yonke i- $ 1 esetshenziswe kukho konke ukuthenga. Amamayela angasetshenziselwa ukukhokhela noma yikuphi ukuthengwa kokuvakasha kwakamuva.
I-Capital One QuicksilverOne Cash Rewards Ikhadi Lesikweletu
Ikhadi lesikweletu elihle kakhulu le-Capital One labantu abanesikweletu esifanele abalindele ukusebenzisa okungenani u- $ 2,600 ngonyaka yi-Capital One QuicksilverOne Cash Rewards ikhadi lesikweletu. Ikhadi le-QuicksilverOne linikela ngo-1.5% wemali emuva kukho konke okuthengiwe, kepha likhokhisa imali ekhokhwa minyaka yonke engama- $ 39. Ngakho-ke, ama- $ 2,600 asetshenziswa ngonyaka iphuzu lapho kuzuzwa khona imivuzo yekhadi ezokhokhela izindleko zemali yakho yonyaka. Uma ulindele ukusebenzisa imali encane, cabanga ngekhadi lesikweletu leCapital One Platinum, elingenayo imali yonyaka kodwa futhi elinganikeli ngemiklomelo.
I-Capital One Secured Mastercard®
Ikhadi lesikweletu eliphambili kakhulu le-Capital One lezinkinga zesikweletu yi-Capital One Secured Mastercard®.Inemali ekhokhwa minyaka yonke engu- $ 0, umkhawulo wokuqala wesikweletu ongu- $ 200 kanye nediphozi ephansi engu- $ 49, $ 99 noma $ 200.
I-Capital One® Savor® Cash Rewards Credit Card
Kwabafakizicelo abanentshisekelo yokonga okuningi ngokudla nakwezokuzijabulisa, ikhadi le-Capital One elihle kakhulu yikhadi lesikweletu leCapital One® Savor® Cash Rewards. Inikela ngemali engenamkhawulo engu-4% emuva ekuthengeni ukudla nokuzijabulisa, 2% ezitolo zokudla, no-1% kukho konke okunye. Kukhona futhi ibhonasi yokuqalisa engama- $ 300 yabafakizicelo abasha abachitha okungenani ama- $ 3,000 ezinyangeni ezi-3 zokuvula i-akhawunti. Abantu abanqikaza ukukhokha imali engu- $ 95 yonyaka ye-Savor Card bangabheka ikhadi lesikweletu leCapital One SavorOne Cash Rewards, elinemali engu- $ 0 yonyaka kodwa elingenayo imivuzo.
Imiklomelo yabafundi beCapital One Journey
Izitshudeni zasekolishi ezifuna ikhadi lesikweletu leCapital One kumele zithole Imiklomelo Yezitshudeni Ye-Capital One Journey.Uhambo lunemali engu- $ 0 yonyaka, lunikeza okungenani i-1% yemali emuva kukho konke ukuthengwa (1.25% lapho ikhokha ibhili yanyanga zonke ngaphambi kosuku olubekiwe) futhi yemukela abafakizicelo abanomkhawulo isikweletu noma cha isikweletu.
I-Capital One® Spark® Cash Yebhizinisi
Kusondele, kepha ikhadi lesikweletu lebhizinisi leCapital One yiCapital One® Spark® Cash yeBhizinisi. ISpark Cash inikeza imali engenamkhawulo engu-2% emuva ekuthengeni, kanye nebhonasi yokuqala engu- $ 500 yokusebenzisa u- $ 4,500 ezinyangeni ezintathu zokuqala ukuvula i-akhawunti. Iningi labaninimabhizinisi abancane kungenzeka bathole okuningi ngemali ebuyiswayo, kepha labo abahamba njalo kufanele futhi bacabangele iCapital One® Spark® yamamayela weBhizinisi.
Amakhadi Esikweletu Aphambili Kakhulu
| Ikhadi lesikweletu | Kungcono | Ubuncane. Kudingeka isikweletu | Isilinganiso somhleli |
| I-Capital One Quicksilver Cash Rewards Ikhadi Lesikweletu | Ukubuyiselwa kwemali | Kulungile | I-4.4 / 5 |
| Imiklomelo ye-Capital One Venture Ikhadi Lesikweletu | Imivuzo yokuhamba | Kulungile | 5.0 / 5 |
| I-Capital One QuicksilverOne Cash Rewards Ikhadi Lesikweletu | Isikweletu esifanele | Umlando onqunyelwe | 4.7 / 5 |
| I-Capital One Secured Mastercard® | Isikweletu esibi | Kubi | 5.0 / 5 |
| I-Capital One® Savor® Cash Rewards Credit Card | Ukudla nokuzijabulisa | Kulungile | 5.0 / 5 |
| Imiklomelo yabafundi beCapital One Journey | Abafundi | Umlando onqunyelwe | 5.0 / 5 |
| I-Capital One® Spark® Cash Yebhizinisi | Ibhizinisi | Kulungile | 5.0 / 5 |
Lapho usuthole ikhadi elihle kakhulu le-Capital One lezidingo zakho, ungaliqhathanisa namadili amahle emakethe yonke ukuze uqiniseke ukuthi uthola isivumelwano esihle kakhulu.
Funda kabanzi ngamakhadi esikweletu e-Capital One
I-Capital One amakhadi esikweletu ajwayele ukuba phakathi kwamakhadi wesikweletu athandwa kakhulu emakethe, ikakhulukazi uma kukhulunywa ngemivuzo ekhangayo nokwakhiwa kwezikweletu okungabizi kakhulu. Kepha noma kuyigama elikhulu, mhlawumbe kusenokuningi ongakwazi ngeCapital One neminikelo yayo yekhadi lesikweletu. Ngezansi sizogqamisa izindawo ezimbalwa ezibalulekile ukuze ukwazi ukwaziswa ngangokunokwenzeka ngaphambi kokufaka isicelo sakho.
Izikolo ze-Capital One Credit Card
Izidingo zeCapital One zamaphuzu esikweletu ziyahlukahluka ngekhadi. Kepha kukhona okungenani ikhadi elilodwa le-Capital One elitholakala kubantu abanazo zonke izinhlobo zamaphuzu esikweletu, kusukela ezikolo ezimbi ukuya kuzikolo ezinhle kakhulu. ICapital One Secured Mastercard® yikhadi lesikweletu elihamba phambili le-Capital One labantu abanezikolo eziphansi zezikweletu noma abangenawo umlando wesikweletu. Ngakolunye uhlangothi lwe-spectrum, amakhadi we-Capital One angcono kakhulu, kufaka phakathi i-Venture, Savor, ne-Quicksilver, adinga isikweletu esihle noma esihle kakhulu ukuze samukelwe.
Ungahlola amaphuzu wakho wakamuva wesikweletu mahhala ku-WalletHub ukulinganisa amathuba akho wokuthola ikhadi lesikweletu le-Capital One.
Inzalo Yekhadi Lesikweletu Elikhulu
Amanani wenzalo kumakhadi esikweletu e-Capital One angaba ngaphansi njengo-0% ngesikhathi esilinganiselwe noma afike kuma-26.99% (V), kuya ngekhadi. Abanikazi bamakhadi abakhokha ibhalansi ephelele esitatimendeni sabo ngaphambi kosuku olubekiwe inyanga ngayinye ngeke kudingeke bakhokhe inzalo.
Izinzuzo zeCapital One zekhadi lesikweletu
Izinzuzo zeCapital One zekhadi lesikweletu zivela kwimivuzo emikhulu, imali ephansi, namakhadi abantu bawo wonke amazinga esikweletu kuya kusiqinisekiso semfanelo sokukhwabanisa esingu- $ 0 kanye nezinzuzo ezihambisanayo ezifana nomshwalense wokuhamba. Okungenani ikhadi elilodwa le-Capital One libalwa kwabahlanu abaphezulu ezifundweni ezijulile zeWalletHub zezinzuzo ezine ezisezingeni eliphakeme ezivame ukutholakala kumakhadi esikweletu: umshuwalense wokuqasha imoto, ukuvikelwa kwentengo, iwaranti enwetshiwe nomshuwalense wokuhamba. Amakhadi esikweletu akwa-Capital One awahlinzeki ngokuvikelwa kokubuyiselwa, futhi uhlelo lokuvikela inkampani lokuhlala luhlala eduze naphansi kwephakethe kunaphezulu.
Imikhawulo ye-Capital One Credit Card
Imikhawulo yesikweletu kumakhadi esikweletu e-Capital One anqunywa ngokususelwa ekubuyekezweni komlando wesikweletu wabafakizicelo kanye namandla okukhokha. Ubuncane bemikhawulo yesikweletu buchazwe ngokwemigomo nemibandela yabanye, kepha hhayi bonke, ukunikezwa kwekhadi lesikweletu leCapital One.
Amakhadi esikweletu e-Capital One ahlanganisiwe
Abantu abanamakhadi wesikweletu ama-Capital One amaningi bangahlanganisa lawa ma-akhawunti kuqala, ukuze kube lula i-akhawunti eyodwa nemikhawulo yesikweletu ehlanganisiwe yamakhadi okuqala. ICapital One isinqamule lesi sici ngo-2019, noma kunjalo, futhi ayikho inkomba yokuthi izobuya nini noma izobuya nini.
Inombolo enkulu yamakhadi esikweletu e-Capital One
Isibalo esiphezulu samakhadi esikweletu e-Capital One umuntu angaba nawo amabili. Lo mkhawulo awusebenzi ekhadini eliphephile le-Capital One, amakhadi we-Capital One ahlanganiswe ndawonye nabathengisi abakhulu, noma amakhadi wesikweletu e-Capital One.
Yimaphi imali mboleko etholakalayo kwaCapital One
ICapital One inikela ngezinsizakalo ezahlukahlukene zamabhange nemalimboleko kumakhasimende ayo. Ezinye zezinhlobo zemali mboleko enikezwa yinkampani zifaka:
- Amakhadi esikweletu
- Izimalimboleko ezizenzakalelayo
- Izimali ezibolekwa ngempahla
- Imali mboleko yasekhaya
- Imigwaqo Yesikweletu Sasekhaya (HELOC)
- Amakhadi Esikweletu Samabhizinisi Amancane
Amakhadi esikweletu
ICapital One yaziwa ngokunikezwa kwayo ngamakhadi wesikweletu, okubandakanya amakhadi wemivuzo yokuhamba, amakhadi abuyisa imali, namakhadi okusiza ukwakha isikweletu.
Amakhadi esikweletu awuhlobo lwemalimboleko engaphephile. Akukho mpahla umbolekisi angayithola uma ungakhokhi isikweletu sakho.
Lokho kusho ukuthi inzalo ingaba phezulu kakhulu. Uma usebenzisa ikhadi lakho lesikweletu, inani olikhokhile lizongezwa kubhalansi yakho. Uma ungakhokhi ibhalansi ngokuphelele ngosuku lokukhokha olufanele, kuzoqala ukwanda inzalo.
Yize imivuzo ingazuzisa, bakhokha ngokushesha ngenzalo, ngakho-ke qiniseka ukuthi ungakhokha isikweletu ngokugcwele ngaphambi kokusebenzisa ikhadi lesikweletu.
Izimalimboleko ezizenzakalelayo
ICapital One inikela ngemalimboleko yokuthenga izimoto ezintsha nezisetshenzisiwe. Ungaphinda uphinde wenze imali mboleko yakho ekhona yemoto ebhange. Lokho kungakusiza wehlise inkokhelo yakho yanyanga zonke noma wonge inzalo.
Kuya ngokuthi imoto isha noma isetshenzisiwe, unyaka wokwenziwa nonyaka, inzalo ingahluka kakhulu.
Izimali ezibolekwa ngempahla
Imalimboleko ebolekwayo itholakala ukuze kuthengwe impahla yangempela, kungaba yikhaya noma impahla yotshalo-mali.
ICapital One inikela ngamakhasimende ayo amakhasimende amasha abolekise ngemali entsha nangemali ebolekiswayo.
Ngoba imali ebolekwa ngemali ivamise ukuba yimali enkulu, ephakeme njenge- $ 1 million noma ngaphezulu, isikhathi semalimboleko side kakhulu.
ICapital One inikela ngemalimboleko yamanani amile ngokweminyaka eyishumi nanhlanu noma engamashumi amathathu. Ungathola futhi i-rate rate mortgage (ARM).
Ngemali mboleko yemali engaguquki, uvala inani lenzalo yempilo yemalimboleko lapho uthenga ikhaya lakho.
Noma ngabe unesikweletu esingakanani, inzalo izohlala injalo. Ukuphela kwendlela ongayiguqula ngayo uma uthatha isinqumo sokuphinda uyibuyise imali mboleko.
Imali ebolekwa ngezinga eliguquguqukayo ngokuvamile inenzalo ephansi kunemali ebolekiwe, okungenani ekuqaleni.
Lapho isikhathi sokuqala siphela, inani lenzalo lingashintshwa njalo.
I-ARM engu-5/1, ngokwesibonelo, ikhiya esilinganisweni sokuqala iminyaka emihlanu, kepha ivumela umbolekisi ukuthi ashintshe isilinganiso njalo ngonyaka ngemuva kwaleyo nkathi. Noma kunjalo, ama-ARM angaba yinto enhle uma unethemba lokuhambisa noma uhlela ukukhokha imali mboleko ngokugcwele ngokushesha okukhulu.
Imali mboleko yasekhaya
Imali mboleko yemali yasekhaya ikuvumela ukuthi uguqule imali yakho yasekhaya ibe yimali ongayisebenzisela ezinye izinhloso. Njengesibambiso, imali mboleko yemali yasekhaya ixhaswa yimali esekhaya lakho, ngakho-ke uma ungakhokhi, umbolekisi angalibuyisela ikhaya lakho.
Unxeshezelwa ngaleyo ngozi ngamanani wenzalo ephansi kunalokho ongakuthola ngemali mboleko engaphephile, njengekhadi lesikweletu.
Imali mboleko yemali yasekhaya uyinikezwa wena njengesamba esisodwa. Uma usuyithathile imalimboleko, kuzofanele ukhokhe njalo ngenyanga ize ikhokhwe. Lokhu kubenza babe ngcono ngezindleko ezinkulu njengamaphrojekthi wokuthuthukisa ikhaya.
Imigwaqo Yesikweletu Sasekhaya (HELOC)
Umugqa wesikweletu samakhaya uguqula imali yakho yasekhaya ibe yichibi lemali ongathola kulo imali.
Umbolekisi wakho uzokunika umkhawulo wesikweletu futhi ungakwazi ukukhipha imali kuze kufike kulowo mkhawulo. Ungakhetha futhi ukungayikhiphi imali, ushiye i-HELOC ivulekile uma uyidinga.
Uma ukhipha imali ku-HELOC, isebenza kakhulu njengekhadi lesikweletu. Uma ungayikhokhi ngaphambi kosuku olubekiwe, kuzodingeka ukhokhe inzalo emalimboleko. Uma ungenayo ibhalansi ye-HELOC, ngeke ukhokhe lutho.
Ngoba ama-HELOC ahlinzeka ngokufinyelela kukheshi ngokufunwa, angcono kakhulu uma unemali engenayo engaqinisekisiwe noma izindleko futhi udinga ukwengezwa okwengeziwe.
isiphetho
Yize iCapital One inganikeli ngemalimboleko yomuntu siqu, ingaba ithuluzi eliwusizo lezezimali. Uma udinga eyodwa, kunezinkampani eziningi ezizoncintisana nethuba lokukunikeza imali mboleko.
Okuqukethwe
- Faka isicelo sekhadi lesikweletu le-Capital One ngeSpanishi
- Ungasifaka kanjani isicelo semalimboleko yomuntu siqu
- Ungawandisa Kanjani Amathuba Akho Wokutholwa Ngemalimboleko Yomuntu
- Amakhadi esikweletu ama-7 Best Capital One ka-2021
- I-Capital One Quicksilver Cash Rewards Ikhadi Lesikweletu
- Imiklomelo ye-Capital One Venture Ikhadi Lesikweletu
- I-Capital One QuicksilverOne Cash Rewards Ikhadi Lesikweletu
- I-Capital One Secured Mastercard®
- I-Capital One® Savor® Cash Rewards Credit Card
- Imiklomelo yabafundi beCapital One Journey
- I-Capital One® Spark® Cash Yebhizinisi
- Amakhadi Esikweletu Aphambili Kakhulu
- Funda kabanzi ngamakhadi esikweletu e-Capital One
- Izikolo ze-Capital One Credit Card
- Inzalo Yekhadi Lesikweletu Elikhulu
- Izinzuzo zeCapital One zekhadi lesikweletu
- Imikhawulo ye-Capital One Credit Card
- Amakhadi esikweletu e-Capital One ahlanganisiwe
- Inombolo enkulu yamakhadi esikweletu e-Capital One
- Yimaphi imali mboleko etholakalayo kwaCapital One
- Amakhadi esikweletu
- Izimalimboleko ezizenzakalelayo
- Izimali ezibolekwa ngempahla
- Imali mboleko yasekhaya
- Imigwaqo Yesikweletu Sasekhaya (HELOC)
- isiphetho