Ināʻo ka hoʻoholoʻana i nā hoʻoholo kālā iʻoi aku ka maikaʻi o kekahi o kāu mau pahuhopu i kēia makahiki, e koho i kahi kāleka hōʻai'ē ma ke poʻo o kāu papa inoa. Akā me ka nui o nā koho mai laila aku, hiki iāʻoe ke lilo i mea nui e koho i ka mea pono noʻoe.
Eia kekahi mau nīnau e hoʻomaka aiʻoe e hoʻomaka:
He aha keʻano o ka manawaleʻaʻoʻoe?
ʻO ka mea mua, e hoʻoholo i kāu mauʻano hoʻolālā. He aha kāu mea e kūʻai ai me kāu hōʻai'ē kāleka kāleka i kēia manawa e like me nā mea kūʻai a me ke kino a me nā mea nui a me nā kiʻi nui e like me kahi TV a papa paha?
Ināʻoe he spender nui a e hoʻohana ana i kāu kāleka no nā kūʻai nui, eʻimi i nā kāleka i loaʻa ka uku makahiki. ʻOiai ka hapanui o mākou e holo i ke ala'ē aʻe i ka wā eʻike ai mākou i ka makahiki makahiki,ʻo kēia mau kāleka e mahalo nui i nā mea nui nui,ʻo ia hoʻi, e loaʻa iāʻoe ka uku (aʻoi aku).
Inā eʻimi anaʻoe e kūkulu i kāu hōʻai'ē, me nā mea liʻiliʻi liʻiliʻi, e like me kāu pahuhopu, e nānā i kahi kāleka uku e hāʻawi iāʻoe i nā helu a me nā bonus e pili ana i nā mea likeʻole, nā mea liʻiliʻi e like me ka wahie a mea kūʻai. A pale i nā kāleka e koi ana i kahi kau palena palenaʻole e loaʻa ai nā uku.
Inā piʻi pinepineʻoe, he lolota nuiʻoe no kahi kāleka hōʻai'ē maikaʻi. Ma mua o ka nānāʻana i nāʻano kālā kāleka likeʻole, eʻikeʻoe e huli anaʻoe i nā kāleka e hoʻokuʻu i nā ukana o nā'āina'ē a koiʻoe iāʻoe e hoʻohana i kahi pin (chip-and-PIN) ma mua o ka hōʻailona wale no nā hana. ʻikeʻoe e hiki iāʻoe ke hoʻohana i kāu kāleka ma waho.
He aha nāʻano makana e makemake anaʻoe?
I ka manawa i hoʻoholo aiʻoe i keʻano hea o ke kāleka maikaʻi no kāu hoʻoliloʻana,ʻo ka hopena hou aʻeʻo ia e noʻonoʻo i nāʻano uku āu e manaʻo nei e loaʻa. He aha nā uku iʻoi loa iāʻoe?
Inā makemakeʻoe e noʻonoʻo i ka loaʻa a me ka hoʻohanaʻana i kāu mau uku a pau ma kahi hoʻokahi, e nānā i nā kāleka maikaʻi e hāʻawi iāʻoe e hoʻololi i kāu mau helu i kekahi mau papa hana hoʻomau pono, e like me ka American Express Kuhi Kuleana aiʻole Chase Ultimate Rewards.
ʻO kēia mau kāleka eʻae iāʻoe e loaʻa nā helu me kāu kāleka a hoʻololi iā lākou i loko o nā papa hanaʻoiaʻiʻo o nā malihini a me nā mea kūʻai likeʻole a hoʻololi i nā helu i loaʻa i nā hilinaʻi me nā papahana'ē aʻe. Akā me kēia kūpaʻa, he mea nui ia e hoʻonohonoho ponoʻia me kāu mau polokalamu a pau e pale i nā hoʻolaha e nalo mai aiʻole nā lā pau.
Ināʻoe wale no e lele i kekahi mauʻaina a iʻole nā lumi hale me kahi'olokela hōʻailona, e nānā i nā kāleka e pili ana i kēlā mau hao, e like me ka United MileagePlus Explorer aiʻole Citi Hilton HHonors Reserve. Na kēia mau kāleka e kōkua iāʻoe e loaʻa nā uku maikaʻi no kāu lilo.
He aha ka mea i loko o ka Fine Print?
I kēia manawa, ua hōʻemiʻoe i kāu kohoʻana i kāleka kākoʻo ma muli o kāu mau hoʻolālā a me nā makemake e uku ai, e nīnau iāʻoe iho i kēia mau nīnau ma mua o kou kākau inoaʻana.
He aha kāu mea e pono ai e lilo no ka loaʻaʻana o ka uku ?: Uaʻike pahaʻoe i nā hui kāleka kāleka e hoʻowalewale iāʻoe i nā pōkole hōʻailona hōʻailona, akāʻo ka manawa he nui nā pānaʻi e koi ai i ka palena palenaʻole no kāu e loaʻa maoli iā lākou. E hōʻoiaʻoe e nānā i ka liʻiliʻi a e loiloi i ka likelika inā paha e loaʻa iāʻoe ka uku.
Loaʻa kahi lā palena no nā uku? ʻO kekahi kāleka hōʻai'ē e makemake iāʻoe e hoʻolilo i kou uku i ka liʻiliʻi i ka makahiki, aʻo nā mea'ē aʻe eʻae iāʻoe e hoʻohana i kēlā mau uku inā lōʻihi ka weheʻana o ka kāleka.
E hōʻoia i ka lā palena pau o kā kāleka he palena manawa e hana ana noʻoe ma mua o kāu kākauʻana, a ma hope o ke kohoʻana i kāu kāleka, e nānā pono i kēlā mau lā.
Aia kahi paepae hoʻolimalima a he kīʻale paha? Pono kekahi mau kāleka e hōʻiliʻili i kekahi mau pane nui ma mua o kou loaʻaʻana i ka waiwai piha, aʻo kekahi e hāʻawi iāʻoe e loaʻa kahi kālā wale nō i kahi manawa. E nānā i kēia mau kiko'ī ma mua o ka weheʻana i kahi kāleka e hōʻoia i ka nui o nā uku āu e loaʻa ai, a hiki iāʻoe, e loaʻa a lilo.
Me ka nui o nā kāleka hōʻai'ē e loaʻa ana, he mea nui ka huliʻana i ka kāpili i kūpono i kouʻano nohona. E hoʻohana i ka kāleka maikaʻi, eʻike i kāu mau hoʻolālā hoʻolālā, e hoʻoholo i nāʻano o nā uku āu e makemake ai a e hoʻomau i ka heluhelu i ka maikaʻi maikaʻi.