Abanye abahlaseli bekhredithi bazinzima ukuphepha, njengokungaphumeleli intlawulo yemboleko ngenxa yokulahlekelwa ngumsebenzi okanye ukukhupha amakhadi akho okwereta ngenxa yokuba uhlahlwayo ngeebhilidi zonyango. Kodwa ezininzi zezona zixhaphakileyo zeentengo zetyala zilula iimpazamo ezilula.
Nazi iimpazamo ezintlanu zeentengo zemboleko ongenaso isizathu sokukwenza-kungakhathaliseki ukuba ziphi iimali zakho.
01 Khohlwa ukuhlawula iiBill zakho ngexesha
Unokuba nayo yonke imali oyifunayo ukuhlawula iimali-mboleko zakho , kodwa ukuba awuyikugcina umgca xa iibhilikhwe zakho zifanelekile, unokwenza lula ukuba umlinganiselo wakho wekhredithi kunye nekhasi elilodwa lokuhlawula ngokukhawuleza kweentsuku ezingama-30. Ukuba ulahlekelwa ngumthetho osayilwayo nje ngeentsuku ezimbalwa, ibhanki yakho ingenako ukubika ukuba inkokhelo yokukhawuleza ifikelele kwiivenkile zemboleko. Kodwa kusenokukudibanisa kunye nentlawulo ehlawulelwayo yokuhlawulwa kwexesha. Amakhadi amaninzi ekweretheni, umzekelo, ukuhlawula iifizi zokuhlawula emva kwexesha eliphezulu njengama-$ 38 ukuze aphinde aphinde enze amacala. Ukuba uhlala ujonga ngeentlawulo zakho zesikhokhelo, sebenzisa inzuzo yentlawulo ye-bhanki yakho ngokuzenzekelayo ukuze uqiniseke ukuba ubuncinane bakhokhela inani elincinci elifunekayo. Iibhanki ezininzi zinika i-imeyile kunye nezikhumbuzi zetekisi ukuze ungenaso isizathu sokulibala inkokhelo yakho yenyanga. 02 Ukuqwalasela ezinye Iintlawulo zemiboleko NgeeBhilile zeKhadi leMali
Abantu abaninzi abanobunzima bokuhlawula iibhanti zabo babeka phambili iintlawulo ezinkulu zemali-mboleko, ezifana neemali-mboleko zemoto kunye namakhadi-mboleko, ngokubhekiselele kwi-agency ye-credit reporting TransUnion. Ngenxa yoko, iintlawulo zexesha elide kumakhadi-mboleko zivame ukuba zixhaphake. Kodwa ukuphuma kwi-bill credit card nje ngenxa yokuba iimali zakho zomeleleyo yimpazamo. Uninzi lwamakhadi akhredithi ahlawulisa ubuncinci beepesenti ezi-1 zesixa-mali sakho, kunye nantoni nayiphi na inzala, okanye ipesenti ye-balance balance. Ngoko, umzekelo, ukuba unetyala elingu-1 000 kwikhadi elihlawula ubuncinci beepesenti ezimbini ze-balance balance, uza kulindela ukuhlawula i-20 nje kuphela-engekho ngaphezulu kweendleko zepizza enkulu. Ukuba unako ukukhawuleza kwi-Supreme Loats of Meat, unokukwazi ukuhlawula ikhadi lakho lekhredithi. 03 Toss okanye Fayile iiBill zakho ngaphandle kokuzijonga
Inokuziva ngathi inqabileyo yokudibanisa ngokusebenzisa iibill zakho ngenxa yeerhafu ezingabonakaliyo okanye ezingaqondakaliyo. Kodwa musa ukuyibeka ngaphandle ngenxa yokuba iyakhathaza. Unokuphelisa ukuhlawula ityala ongeyenziyo, okanye uphelelwe ithuba lakho lokuphikisana nentlawulo engafanelekanga kumrhwebi. UMthetho weNkundla yeMali yokuTyala yeMali yenza ukuba unelungelo lokuphikisana neziphene zokuthengisa, ezifana nezityholo ezingekhoyo okanye eziphindwe kabini ... Kodwa kufuneka ubeke impikiswano phakathi kweentsuku ezingama-60 ukuze ufumane inzuzo yokukhusela. (Unako ixesha elide ukuba ukuhlawulwa okungagunyaziswanga kuvela kumntu obambe iinkcukacha zekhadi lakho lesikweletu.) Kodwa awukwazi ukuphikisana nentlawulo xa ungalokothi ukhange ibhajethi yakho, kwaye unokuba usenokungaziqondi ukuba umntu uthathe ikhadi lakho lesikweletu. Kungenzeka kube mnandi, kodwa funda i-bill yakho.
I-04 Mthobeli iNgxelo zakho zeNgxelo zeMatyala kunye nezikolo
Unelungelo lokujonga nganye iingxelo zakho zeentengo zemali ezivela kwiinkampani ezinkulu zokubika iingxelo zemboleko zentathu - I-Experian, i-Equifax kunye ne-TransUnion - ubuncinane kanye ngonyaka, mahhala. Kodwa ukuba awuyi kusebenzisa inzuzo yonyaka, ungeke ukwazi ukuba iimpazamo zeerhafu okanye i-akhawunti engagunyazisiyo ibenzakalisa kakubi amanqaku akho. Ukufumana iingxelo zakho zamahhala, tyelela i-yearcreditreport.com. Unako kwakhona ukugcina amathebhu kwiimpawu zakho zekhredithi ngokukhululeka ngokusebenzisa inkonzo yamanqaku ekhredithi ekhululekile enikezelwa kwikhadi lakho lesikweletu. Yaye nawe ezimbini iinkonzo ezifana ne-Discover's CreditScoreCard kunye ne-Capital One's CreditWise-makhe ujonge amanqaku akho nokuba awukho umthengi. 05 Vala iAkhawunti yeKhadi yeMali yeMdala
Ukuba ikhadi elidala liqokelela uthuli kwisikhwama sakho, unokulingwa ukuvala i-akhawunti uze uyijike. Kodwa ngaphandle kokuba uhlawula imali enkulu yonyaka, kuyiphutha ukuvala ikhadi lakho. Ukuvala i-akhawunti yekhredithi kungayilindele ngokungalindelekanga umlinganiselo wakho wekhredithi, nangona ungayisebenzisi ikhadi ngeenyanga. Ngokuvala i-akhawunti, uya kunciphisa inani elipheleleyo lekhredithi elikhoyo kuwe, eliya kubachaphazela kakubi umlinganiselo wakho wokusetyenziswa kwekhredithi-icandelo elibalulekileyo kumanqaku akho. Yaye ukuba ngaba lakho kwikhadi elidala elinomlando omde weentlawulo zexesha, igalelo lingaba libi nakakhulu, njengokuba oku kukuthandayo kwi-"Ubude bembali yembali". Ababoleki banqwenela ukubona i-akhawunti esebenzayo ixesha elide kunye nomlando wokuhlawula, kodwa iimali ezivaliweyo kunye nembali yeentlawulo zangexesha-mali ekugqibeleni ziyakunqumla iingxelo zakho. Beka ikhadi kwikharkethi yakho ye-sock ukuba kufuneka, kodwa ungavali i-akhawunti; kwaye ucinge ngokungeza intlawulo ephindaphindiweyo kuyo ukuqinisekisa ukuba ibhanki ayigcini i-akhawunti ngenxa yokungasebenzi.