Funda indlela yokuhlawula iirhafu kwaye ungahlawuli nto kwikhadi lakho lekhredithi
Ukusebenzisa ikhadi lekhredithi kunokubiza ngeemali kunye nomdla, kodwa ungasebenzisa ikhadi lekhredithi mahhala ukuba uyayiphatha ngendlela efanelekileyo. Landela la manqaku asixhenxe ukugcina ikhadi lakho lekredithi likhululekile.
01 Khetha ikhadi lekhredithi engenayo imali yonyaka okanye yenyanga.
Xa ikhadi lakho lekhredithi linemali yokugcinwa kwenyanga okanye ngenyanga, uya kugqiba ukuhlawula ikhadi lesikweletu ukuba uyayisebenzisa okanye cha. Amanye amakhadi ekhredithi aneemali zonyaka ezikhutshwayo xa wenza inani elithile leedola zerhafu ngaphakathi konyaka. Ukuba le mali encinci ingaphandle kwemida yakho yokuhlawula ngokuqhelekileyo, kuya kuba nzima ukugcina ikhadi lakho lekredithi likhululekile.
02 Qinisekisa ukuba ikhadi lakho lekhredithi linethuba lobabalo.
Bhatala ibhalansi yakho kwithuba lobabalo ukuphepha ukuhlawula inzala kwimali yakho. Intlawulo yesibini eqhelekileyo yekhadi lekhredithi ngumrhumo wezemali wongezwa inyanga nganye xa uqhuba umlinganiselo. Ixesha lobabalo lixesha lexesha kufuneka uhlawule ibhalansi yakho kwaye ugweme imali ehlawulwayo. Ukuba ikhadi lakho lesikweletu alikho ixesha lobabalo, awusoze wakwazi ukuba nekhadi lesikweledu samahhala kuba uza kufaka iindleko zentshisekelo kuqale ngosuku owenza ngayo intlawulo.
03 Njalo hlawula ngexesha.
Ukuba ukwenza ukuhlawulwa kwekhadi lokuthenga ngetyala, uza kufuneka uhlawule umrhumo wokukhawuleza. Ukuhlawula ixesha kuthetha ukuthumela ubuncinane imali yakho encinci phambi komhla wokugqibela. Kodwa khumbula, ukuba ufuna ukugcina ikhadi lakho lekredithi likhululekile, uya kuthumela ibhalansi epheleleyo phambi komhla wokugqibela.
04 Musa ukuwela ngaphezu komda wakho wesikweletu.
Umlinganiselo wakho wekhredithi ngumlinganiselo osisigxina ongahlawulwa ngaphandle kokuhlawuliswa isohlwayo. Abanye abakhupha amakhadi ekhredithi baye banqumla imirhumo engaphezulu kwemida ehlawulwayo xa udlula umda wakho wesikweletu. Ukuba ukhethe ukuphuma kwemali engaphezulu kwemida, nayiphi na into eyenziwa ngumthengi ogqithise umda wakho wesikweletu uya kunqandwa. Musa ukuthatha umdlalo. Ukuhlala ngaphantsi komda wakho weekhredithi kukuqinisekisa ukuba ibhalansi yakho iphantsi kangangokuba unokuyihlawula ngokupheleleyo.
05 Qinisekisa ukuba i-akhawunti yakho yokukhangela inokubambisa intlawulo.
Ukuba ubhala isheke kwikharityhulam yakho yokuhlawulwa kwekhadi kwaye uhlolisise i-bounces, umnikeli wakho wekhadi lokuthenga ngetyala uyakukuhlawula imali yentlawulo yokubuya . Le ntlawulo yi-$ 35 ukuya kwi-39 yee-39 kwiikhadi lamatyala amaninzi. Ngaphambi kokuba ubhale isheke kwikharityhulam yakho yeentengo zemboleko, qinisekisa ukuba kukho imali eyaneleyo kwi-akhawunti yakho yokukhangela ukuhlawula isheke nangemva kokuba nayiphi na imali esele ilandelwe.
06 Gwema ukunyuka kwemali kunye nokuhanjiswa kwemali.
Ukutshintshwa kwemali kunye nokutshintsheliswa kwemali kwintengiso eyenza iifizi ngokuzenzekelayo. Xa wenza imali engaphambili okanye utshintshele ibhalansi, uza kuhlawuliswa ngokuzenzekelayo umrhumo oqhelekileyo umyinge wokuthengiselana. Ngokuqhelekileyo abakhupha amakhadi abemboleko bekhredithi bayalahla le ntlawulo. Esinye isizathu sokuphepha ukunyuka kwemali kukuba abanakho ixesha lobabalo - uya kuqala ukufumana inzala kwimali yokuqala kwangaphambili.
07 Funda isivumelwano sakho sekhadi ukuze ufunde zonke iirhafu zakho.
Amakhadi enkoleko angaza kunye neminye imirhumo, njengemali yokunyusa umlinganiselo wesikweledu ohlawulwayo xa ucela ukunyuswa kwemali yemali. Indlela engcono yokufunda zeziphi iimrhumo zekhadi lakho lesikweletu ukuba ufunde ukudalulwa kwekhadi lesitaliti kufakwe nesicelo sekhadi lesikweletu okanye isivumelwano sakho sekhadi lesikweletu.