Capital One Yemunhu Zvikwereti muSpanish

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Capital One Yemunhu Zvikwereti

Capital One Yemunhu Zvikwereti muSpanish. Maitiro Ekutora Iwe Wako Chikwereti Kubva kune Imwe Yekutanga Kutsvaga kwako pachako zvikwereti kunogona kukutungamira kune Capital One, rimwe remabhangi mahombe muUS rinozivikanwa nemakadhi aro echikwereti uye epamabhangi maakaundi.

Zvikwereti zvemunhu zvikwereti zvisina kuchengetedzwa zvaunogona kuwana pasina kupa chero chibvumirano.

Kusiyana neimba kana mota chikwereti umo bhangi rinokwanisa kudzosera zvarakatenga nechikwereti, rinozivikanwawo sekuchengetedzeka chikwereti, bhanga rinovimba chete neshoko rako kuti richabhadhara chikwereti.

Unogona kushandisa zvikwereti zvako pachako nekuda kwezvakasiyana zvinangwa, sekukweretesa chikwereti, kugadzirisa imba, kana kubhadhara zvisingatarisirwe zvikwereti.

Dzidza kuti ndevapi vakweretesi vanopa yako wega zvikwereti uye uone kuti ndezvipi zvikwereti Capital One chaizvo zvinopa.

Nyorera iyo Capital Imwe kiredhiti kadhi muSpanish

Kunyorera iyo Capital Imwe kiredhiti kadhi tevera iyi mirairo.

  1. Pinda ku capitalone.com/credit-cards/prequalify uye mumasekondi asingasviki 60 uchaona kana uchikodzera.
  2. Pedzisa menyu uine ruzivo rwakakumbirwa: rako zita rekutanga, zita rako rekupedzisira, zuva rako rekuzvarwa, yako yekuchengetedzeka nhamba, kero yako yekugara pasina CMRA kana PO Bhokisi uye kana zvichibvira, isa imba huru.
  3. Pindura mubvunzo unotevera uyo saiti ichakubvunza iwe nezve kubatsirwa kwaunowana nekadhi kadhi rimwe chete, unogona kupindura mubairo wekufamba, mari kudzoserwa, mubereko wakaderera kana ini handina chokwadi parizvino.
  4. Pindura maitiro aunoyera chikwereti chako, inogona kuve yakanakisa, avhareji kana kuvaka zvakare.
  5. Tarisa bhokisi ini ndinonzwisisa ichi hachisi chikumbiro chekadhi rechikwereti.
  6. Pakupedzisira tinya uone yavo kadhi zvinopihwa.

Maitiro ekunyorera iwe pachako zvikwereti

Kana iwe uchinyorera chako pachako chikwereti, mukweretesi anozokumbira ruzivo ruchazoshandiswa kuratidza yako chitupa.

Izvo zvakare ichashandisa iyo ruzivo kuona yako kiredhiti kukodzera uye kana iwe uchigona kubhadhara pamwedzi kubhadhara.

Rumwe ruzivo iwe rwauchazoda kupa runosanganisira:

  • Zita
  • Zuva rekuzvarwa
  • Uchapupu hwekuzivikanwa, senge rezinesi rekutyaira
  • Social Security nhamba
  • Uchapupu hwemari, senge zvirevo zvebhangi kana mabhadharo ekubhadhara.
  • Kuongorora kwebasa

Kunyangwe rondedzero yacho ingaite kunge inorema, zvakanaka kuti rumwe ruzivo rwunopihwa.

Vakweretesi vanoita nekushingairira kwavo uye nekukumbira ruzivo rwakawanda vanogona kunyatso kuona mikana yako yekukanganisa pachikwereti.

Izvi zvinoreva kuti vanogona kuseta mitengo yechikwereti zvakanyatsonaka, saka kana kiredhiti kako kanaka, chikwereti chako chinenge chakachipa.

Ungawedzera Sei Mikana Yako Yekutenderwa Kwechikwereti Chega

Kuti uvandudze mikana yako yekuwana mvumo yechikwereti, pane matanho mashoma aunofanirwa kutora.

Yokutanga ndeyekuvandudza yako chikwereti mamaki. Munguva pfupi, nzira yakanakisa yekuita izvi kudzikisa mashandisiro ako echikwereti uye kubvisa mamaki ekuzvidza kubva kune yako kiredhiti kiredhiti.

Iwe unogona kudzikisa mashandisiro ako nekubhadhara kiredhiti kadhi rako rechikwereti. Kuwedzeredza yako chikwereti miganho hakuiti kukurudzira kuvimba kune anenge akweretesa.

Kuti ubvise mamaki anozvidza kubva kune yako kiredhiti mushumo, unogona kuedza kubata vako vekare vakweretesi kuronga mubhadharo-wekubvisa chibvumirano.

Imwe nzira yekuwedzera mikana yako yekubvumidzwa kudzikisa chikwereti chako-kune-mari muyero.

Kana iwe ukabhadhara chimwe chikwereti kana kuwedzera mari yaunowana, uchave nemari yakawanda inowanikwa kuti uwane yako nyowani yekubhadhara chikwereti.

Iyo 7 Yakanakisa Mari Imwe Kiredhiti Kadhi ye2021

Nyorera iyo Capital Imwe kiredhiti kadhi .

Capital One iri pakati pekambani dzakanakisisa dzekadhi rechikwereti zvakazara nekuti ine kukwezva kwepasirese, nemakadhi makuru kune vanhu vese mazinga echikwereti, uye akawanda ari nyore kushandisa maficha. Semuenzaniso, Capital One ndeimwe yemakambani mashoma emakadhi echikwereti ayo anobvisa mari dzekunze dzekutengesa kubva kune avo vese makadhi echikwereti. Capital One makadhi echikwereti ane mamwe emabhonasi erupo anowanikwa.

Kuti ikubatsire iwe kuwana yakanakisa Capital Imwe kiredhiti kadhi pane zvaunoda, WalletHub editors vakafananidza zvese zviripo zvinopihwa zvichibva pamubhadharo wavo, mubhadharo, mubhadharo, uye mvumo zvinodiwa. Isu tinobva tasarudza akanakisa Capital One makadhi echikwereti mumapoka anozivikanwa. Iwe unogona kudzidza zvishoma nezve yega yeiyo WalletHub sarudzo pazasi.

Capital One Quicksilver Cash Mibairo Kiredhiti Kadhi

Iyo yakanakisa Capital Imwe kiredhiti kadhi yemari kudzoka ndiyo Capital One Quicksilver Cash Mibairo kiredhiti kadhi. Quicksilver anokomborera varidzi vemakadhi pachiyero, kupa 1.5% mari pane zvese zvakatengwa. Iyo zvakare ine $ 0 yegore mubhadharo.

Capital One Venture Inopa Kiredhiti Kadhi

Iyo yakanakisa Capital Imwe kiredhiti kadhi yemifambiro yekufambisa ndiyo iyo Capital One Venture Mibairo kiredhiti kadhi. Venture inopa yekutanga bhonasi inosvika kumazana mashanu emamaira ekushandisa madhora zviuru makumi maviri mumwedzi gumi nembiri yekutanga kuvhura account. Kana iwe uchiri kugona kuwana zviuru makumi mashanu zvemakiromita nekutenga $ 3,000 mukati memwedzi mitatu yekutanga. Makiromita zviuru makumi mashanu anokosha madhora mazana mashanu munzendo. Varidzi vemakadhi vanowanawo mamaira maviri emadhora ese 1 anoshandiswa pakutenga kwese. Maira anogona kushandiswa kubhadhara chero kwekutenga kwekufamba kwekupedzisira.

Capital One QuicksilverOne Mari Mibairo Kiredhiti Kadhi

Iyo yakanakisa Capital Imwe kiredhiti kadhi kune vanhu vane kiredhiti kiredhiti avo vanotarisira kushandisa inosvika madhora zviuru mazana maviri nemazana matatu pagore ndeye Capital One QuicksilverOne Cash Mibairo kiredhiti kadhi. Kadhi reQuicksilverOne rinopa mari inokwana 1.5% pakutenga kwese, asi inobhadharisa gore rega rega pamadhora makumi matatu nemasere. Kana iwe uchitarisira kushandisa shoma, funga iyo Capital One Platinum kadhi rechikwereti, iro risina mubhadharo wepagore asi zvakare risingape mibairo.

Capital Imwe Yakachengetedzwa Mastercard®

Iyo yakanakisa Capital Imwe kiredhiti kadhi yezvinetso zvechikwereti ndeye Capital One Yakachengetedzwa Mastercard®.Iine mubhadharo wepagore we $ 0, yekutanga kiredhiti muganho we $ 200 uye shoma kuchengetedzeka dhipoziti ye $ 49, $ 99 kana $ 200.

Capital One® Savor® Cash Mibairo Kiredhiti Kadhi

Kune vanyoreri vanofarira kuchengetedza zvakawanda pane chikafu uye varaidzo, yakanakisa Capital One kadhi ndeye Capital One® Savor® Cash Mibairo kadhi rechikwereti. Inopa risingagumi 4% mari kumashure pane zvekutenga nekutenga zvekuvaraidza, 2% kumagirosari, uye 1% pane zvese zvimwe. Kune zvakare $ 300 yekutanga-up bhonasi kune vatsva vanyoreri vanoshandisa inosvika madhora zviuru zvitatu mukati memwedzi mitatu yekuvhura account. Vanhu vanozeza kubhadhara madhora makumi mashanu nemapfumbamwe emari yeSavor Kadhi vanogona kufunga nezveCort One SavorOne Cash Rewards kadhi rechikwereti, iro riine $ 0 muripo wepagore asi risingapi rupo nemubairo.

Capital Rimwe Rwendo Rwevadzidzi Mibairo

Vadzidzi vepaKoreji vanoda Kiredhiti Kadhi kiredhiti vanofanirwa kuwana Rwendo rwekutanga Rwendo rweVadzidzi Rwendo.Rwendo rune $ 0 muripo wegore, rinopa inokwana 1% mari kumashure pazvinhu zvese zvakatengwa (1.25% painobhadhara bhiri remwedzi pamberi pezuva rakatarwa) uye inogamuchira vanonyorera vane mashoma kiredhiti kana kuti kwete kiredhiti.

Capital One® Spark® Cash yeBhizinesi

Yava padyo, asi Capital One yakanakisa bhizinesi kiredhiti kadhi ndeye Capital One® Spark® Cash yeBhizinesi. Spark Cash inopa risingaperi 2% mari kumashure pakutenga, pamwe ne $ 500 yekutanga bhonasi yekushandisa $ 4,500 mumwedzi mitatu yekutanga yekuvhura account. Vazhinji varidzi vemabhizinesi madiki vanogona kuwana zvakawanda kubva pamari kumashure, asi avo vanofamba kazhinji vanofanirwa zvakare kufunga Capital One® Spark® yeBusiness mamaira.

Yakanakisa Capital Imwe Kiredhiti Kadhi

Kadhi rechikwereti Zvirinani Min. Chikwereti chinodiwa Chiyero cheMupepeti
Capital One Quicksilver Cash Mibairo Kiredhiti KadhiKudzorerwa kwemariZvakanaka4.4 / 5
Capital One Venture Inopa Kiredhiti KadhiKufamba mibairoZvakanaka5.0 / 5
Capital One QuicksilverOne Mari Mibairo Kiredhiti KadhiChikwereti chakaringanaYakatemerwa nhoroondo4.7 / 5
Capital Imwe Yakachengetedzwa Mastercard®Chikwereti chakaipaPakaipa5.0 / 5
Capital One® Savor® Cash Mibairo Kiredhiti KadhiKudya uye varaidzoZvakanaka5.0 / 5
Capital Rimwe Rwendo Rwevadzidzi MibairoVadzidziYakatemerwa nhoroondo5.0 / 5
Capital One® Spark® Cash yeBhizinesiBhizinesiZvakanaka5.0 / 5

Paunenge iwe wawana yakanakisa Capital Imwe kadhi pane zvaunoda, unogona kuzvienzanisa nemabatiro akanakisa pamusika wese kuti uve nechokwadi chekuti uri kuwana chibvumirano chakanakisa.

Dzidza zvakawanda nezve Capital One kiredhiti kadhi

Capital Imwe makadhi echikwereti anowanzo kuve ari pakati peanonyanya kuzivikanwa makadhi echikwereti pamusika, kunyanya kana zvasvika kune mibairo inoyevedza uye yakaderera-mutengo chikwereti kuvaka. Asi kunyangwe iri zita hombe, panogona kunge paine zvakawanda zvausingazive nezve Capital One uye yayo kiredhiti kadhi zvipo. Pazasi isu tichajekesa mashoma akakosha enzvimbo kuitira kuti iwe ugone kuve neruzivo sezvinobvira usati waendesa chako kunyorera.

Capital One Chikwereti Kiredhiti Zvikwereti

Capital Imwe chikwereti mamaki zvinodiwa zvinosiyana nekadhi. Asi pane kamwechete Capital Capital kadhi rinowanikwa kune vanhu vane mhando dzese dzechikwereti, kubva pazvakaipa kusvika kuzvikamu zvakanaka. Iyo Capital One Yakachengetedzwa Mastercard® ndiyo yakanakisa Capital Imwe kiredhiti kadhi kune vanhu vane yakaderera kiredhiti zvikwereti kana vasina nhoroondo yechikwereti. Kune rimwe divi remitambo, akanakisa Capital One makadhi akazara, kusanganisira Venture, Savor, uye Quicksilver, inoda yakanaka kana yakanakisa kiredhiti yekubvumidzwa.

Unogona kutarisa zvikwereti zvako zvechikwereti zvemahara paWalletHub kuti ufungidzire mikana yako yekuwana Capital One kiredhiti kadhi.Saizvozvowo, Capital One inopa mukana wekuwana mahara zvikwereti kuburikidza nechikwereti cheCreditWise.

Capital One Kiredhiti Kadhi Kufarira

Zvibereko pamari yemari yemakadhi kiredhiti inogona kunge yakaderera se0% kwenguva yakati rebei kana kukwira se26.99% (V), zvichienderana nekadhi. Varidzi vemakadhi vanobhadhara chiyero chakazara pane chirevo chavo zuva risati ratarwa mwedzi wega wega havafanirwe kubhadhara mubereko.

Capital Imwe kiredhiti kadhi kubatsirwa

Capital Imwe kiredhiti kadhi mabhenefiti anotangira pamubhadharo wakakura, mari yepasi, uye makadhi evose vezvikwereti zvese kusvika kune $ 0 yekunyengera chikwereti chevimbiso uye anobatsira mabhenefiti senge inishuwarenzi yekufamba. Inenge imwechete Capital Imwe kiredhiti kadhi inoverengeka ari mashanu epamusoro muWalletHub's zvakadzama zvidzidzo zvezvina zvematanhatu epamusoro mativi mabhenefiti anowanzo kuwanikwa pamakadhi echikwereti: inishuwarenzi yemotokari inishuwarenzi, kuchengetedzwa kwemutengo, warandi yakawedzerwa uye inishuwarenzi yekufamba. Capital One makadhi echikwereti haapi dziviriro yekudzoka, uye chirongwa chekudzivirira chekutenga chekambani chinogara padyo nepazasi kwepakeji kupfuura yepamusoro.

Capital One Kiredhiti Kiredhiti Makadhi

Chikwereti muganho paMari Yekutanga kiredhiti kadhi inoenderana zvichienderana nekuongororwa kwevanonyorera 'nhoroondo yechikwereti uye kugona kubhadhara. Minimum chikwereti miganho yakatsanangurwa mumitemo nemamiriro kune vamwe, asi kwete ese, Capital One kiredhiti kadhi inopa.

Capital Imwe makadhi echikwereti anosanganiswa

Ivo vanhu vane akawanda Capital Imwe kiredhiti kadhi vanogona pre-kubatanidza iwo maakaundi, nekuda kwekureruka kweiyo imwechete account pamwe yakasanganiswa chikwereti miganho yemakadhi ekutanga. Capital One yakasiya ichi chimiro muna 2019, zvisinei, uye hapana chinoratidza kuti chinodzoka riini kana kuti.

Huwandu hwehuwandu hweMamwe Makadhi echikwereti

Huwandu hukuru hweMamwe makadhi echikwereti ayo munhu anogona kuve nawo maviri. Iyi muganho haishande kuCapital One yakachengetedzwa kadhi, Capital One yakabatanidzwa makadhi nevatengesi vakuru, kana Capital One bhizinesi kiredhiti kadhi.

Ndeapi zvikwereti anowanikwa kuCapital One

Capital One inopa dzakasiyana siyana mabhengi uye masevhisi masevhisi kune vatengi vayo. Mimwe yemhando yezvikwereti zvinopihwa nekambani zvinosanganisira:

  • Makadhi echikwereti
  • Auto zvikwereti
  • Mamogeji
  • Imba Yechikwereti Zvikwereti
  • Imba Equity Mitsara yeChikwereti (HELOC)
  • Madiki Bhizinesi Kiredhiti Kadhi

Makadhi echikwereti

Capital One inozivikanwa nekupa kwayo kiredhiti kadhi, ayo anosanganisira ekufamba mibairo makadhi, mari yekumashure makadhi, uye makadhi ekubatsira kuvaka chikwereti.

Makadhi echikwereti ndiwo mhando yechikwereti chisina kuchengetedzwa. Iko hakuna chinhu icho mukweretesi anogona kupora kana iwe ukasabhadhara yako bhiri.

Izvi zvinoreva kuti mitengo yechikwereti inogona kuve yakakwira kwazvo. Paunoshandisa kiredhiti kadhi rako, iyo mari yakabhadharwa ichawedzerwa pachiyero chako. Kana iwe ukasabhadhara mari yacho zvizere nemutero wakatarwa musi, mubereko unozotanga kuwedzera.

Kunyangwe iyo mibairo inogona kupa mari, ivo vanobhadhara nekukurumidza nekuda kwemubereko, saka ita shuwa kuti iwe unogona kubhadhara bhiri zvizere usati washandisa kiredhiti kadhi.

Auto zvikwereti

Capital One inopa zvikwereti zvekutenga mota nyowani uye dzakashandiswa. Iwe unogona zvakare kugadzirisa ako aripo chikwereti chemotokari kuburikidza nebhangi. Izvo zvinogona kukubatsira kudzikisa yako yemwedzi kubhadhara kana kuchengetedza pane chimbadzo.

Zvichienderana nekuti mota iri nyowani kana kushandiswa, iyo yekugadzira uye yegore remodheru, kufarira kwacho kunogona kusiana zvakanyanya.

Mamogeji

Mogeji chikwereti chinowanikwa kuitira kuti utenge zvivakwa, ingave imba kana inzvimbo yekudyara.

Capital One inopa mamogeji matsva uye mogeji kufambisazve kune vatengi vayo.

Nekuti mogeji inowanzo kuve yemari hombe, yakakwira kunge $ 1 miriyoni kana kupfuura, izwi rechikwereti rakareba.

Capital One inopa yakatarwa zviyero zvikwereti zvine gumi nemashanu kana makumi matatu emakore. Iwe unogona zvakare kuwana inogona kuchinjika rate mogeji (ARM).

Uine yakatarwa mwero mogeji, unokiya muhuwandu hwechikwereti kwehupenyu hwechikwereti paunotenga imba yako.

Kunyangwe uine nguva yakareba sei uine chikwereti, chimbadzo chinoramba chakangofanana. Nzira chete yekuchishandura ndeye kana iwe ukafunga kunatsiridza chikwereti.

Iyo inokwanisika-mwero wekutenga chikwereti kazhinji ine yakaderera chimbadzo pane yakatarwa-mwero chikwereti, zvirinani pakutanga.

Kana imwe nguva yekutanga yapera, chiyero chemubereko chinogona kuchinjwa nguva dzose.

Iyo 5/1 ARM, semuenzaniso, inokiya mune yekutanga mwero kwemakore mashanu, asi inobvumira mukweretesi kuti achinje mwero gore rega mushure menguva iyoyo. Zvakadaro, maARM anogona kuita chibvumirano chakanaka kana iwe uchitarisira kufamba kana kuronga kubhadhara chikwereti zvizere zvizere nekukurumidza.

Imba Yechikwereti Zvikwereti

Imba yemari zvikwereti zvinokutendera iwe kushandura imba yako yemari kuita mari iyo iwe yaunogona kushandisa kune zvimwe zvinangwa. Kufanana nechikwereti, zvikwereti zvemari yemusha zvinotsigirwa neiyo equity mumba mako, saka kana ukasabhadhara, mukweretesi anogona kudzosera imba yako.

Iwe unopihwa mari kune iyo njodzi nemari yepasi yemitero kupfuura yaungawana nezvikwereti zvisina kuchengetedzwa, senge kadhi rechikwereti.

Dzimba dzekuenzanisira dzimba dzinogoverwa kwauri seimwe chete bundu. Paunenge watora chikwereti, uchafanirwa kubhadhara mwedzi wega wega kusvikira chabhadharwa. Izvi zvinovaita zvirinani pamubhadharo muhombe semapurojekiti ekuvandudza imba.

Imba Equity Mitsara yeChikwereti (HELOC)

Imba yemari yemari yechikwereti inoshandura yako equity yemumba kuita dziva remari kwaunogona kutora mari.

Anokukweretesa anokupa iwe muganho wechikwereti uye unogona kutora mari kusvika pamuganhu iwoyo. Iwe unogona zvakare kusarudza kusabvisa mari, uchisiya iyo HELOC yakavhurika kana iwe uchizoida.

Kana iwe ukabvisa mari kubva kune HELOC, inoshanda zvakanyanya sekadhi rechikwereti. Ukasaribhadhara risati rasvika zuva raunenge wakatarwa, uchafanira kubhadhara mubereko pachikwereti. Kana iwe usina HELOC chiyero, haufanire kubhadhara chero chinhu.

Nekuti maHELOC anopa mukana wekuwana mari pazvinodiwa, iwo akanakira kana iwe uine chokwadi chemari kana mari uye uchida kuwedzerwa mari.

mhedziso

Kunyangwe Capital One isingape zvikwereti zvemunhu, zvinogona kuve chishandiso chemari chinobatsira. Kana iwe uchida imwe, kune makambani mazhinji anozokwikwidza iwo mukana wekukupa iwe chikwereti.

Zviri Mukati