Kutheni ukugcina amakhadi esikwereti akuyona nto ibhetele
Enye yezinto ezinomsindo ngokuthengisa ngokunikezelwa ngokukhawuleza kwiphepha lesikredenti lesitolo ngokutshintshela isaphulelo se-10-15 kwipesenti zokuthenga ngaloo mini. Imali yokulondoloza ingakholisa ukukhanga, ngakumbi kwikhadi lekredithi ehambelana nesitolo sakho esithengisayo, kodwa amakhadi enkokhelo esitolo ayilunganga njengoko kubonakala ngathi. Ngokuqinisekileyo, kunokubakho iipowuni kunye nekhadi elithile levenkile elilingayo. Nangona kunjalo, kwisikimu esikhulu sencwadi yakho yematyala, ukungaphumeleli kwamakhadi e-credit card ngokuqhelekileyo akufanelekanga ukugcinwa kwexesha elifutshane.
01 Amakhadi okuThengisa iiRatenti zokuThengisa Ngokuqhelekileyo anemiqathango ephantsi
Ukugcina amakhadi enkredithi ngokuqhelekileyo ukuqala ngokukhawulelwa kwetyala eliphantsi kakhulu-kwindawo ethile phakathi kwe-$ 100 ukuya kwii-500 zama-500, ingakumbi ukuba unetyala elibi. Ukuthenga kwakho kunokukubeka lula kwi- credit-use usetyenziso- isilinganiselo sokulinganisela kwekhadi lesikweletu kumlinganiselo wekhadi lesikweletu-kunokuba luncedo kumboleko wakho.
Naliphi na ukusebenzisa i-credit ngaphezu kweepesenti ezingama-30 liphezulu kakhulu kwaye liya kuthintela kakubi amanqaku akho. Kwikhadi lekhredithi elinomlinganiselo weerhafu we-100, oko kuthetha ukuba akufanele uhlawulise ngaphezu kwama-30. Kwiindawo ezininzi zokugcina izitolo, akuyiyo i-t-shirt.
02 Ba neRhafu ephezulu
Amakhadi eentengo zemali zethengi yokuthengisa ziphantse zihlala zinexabiso eliphezulu. I-APR iphakathi kwama-20 eepesenti kunye neepesenti ezingama-30 ziqhelekileyo, ezenza ixabiso libiza kakhulu. Ukuba awuyi kuceba ukuhlawula ibhalansi yakho ngaphambi kokuphela kwexesha lobabalo , uya kubhekana neentlawulo zenzalo ezinkulu. Unokuphelisa ukuhlawula ngokuphindwe kabini ukuthenga kwakho kunokuba uthe wahlawula ngekheshi kwaye oko bekuya kuthobela ngokupheleleyo isaphulelo se-10 ukuya kwe-15 efunyenwe ekuthengeni kwakho okokuqala.
03 Amakhadi eThengi aThengiweyo angenayo Impembelelo encinci kwiiNgxelo zeMali
Xa kuthelekiswa namakhadi amakhulu ekhredithi, amakhadi eentengiso zethengi zentengiso aneempembelelo ezincinci kumanqaku akho . Ngokuqinisekileyo, umlando wokuhlawula ochanekileyo uza kunceda ukuphucula umlinganiselo wakho wekhredithi, kodwa amakhadi eemboleko awanakho impembelelo enkulu kumanqaku akhokredithi njengamakhadi amakhulu ekwereta.
Ukusetyenziswa kwe-04 kuNcinci
Amakhadi amaninzi ekrektri angasetyenziselwa kuphela kuloo dolo. Ukuba udada wakho uphupha kwaye kufuneka uhlawule ukukhwela, ikhadi lakho lokuthenga ngetyala aliyi kukunceda. Xa udinga ukubhala ithikithi lendiza kwieholide zakho zasehlobo, i-card yakho ye-credit card ayikho nto. Kukho ambalwa amakhadi, njengekhadi leGAP , elingasetyenziselwa kwintsapho yeevenkile, kodwa ukusetyenziswa kusekuncinci.
05 Amakhadi ezithengisa iiNtengiso zikhuthaza ukusetyenziswa okuphezulu
Ukugcina amakhadi enkredithi kunokuchaphazela kakubi amanqaku akho. Isenzo nje sokufaka isicelo sekhadi lesikweleti singenza isilwanyana esincinci kumanqaku akho. Kungenxa yokuba imibuzo yekhredithi eyenziwe xa ufaka isicelo semali-mboleko yenza iipesenti ezili-10 zemali yakho yematyala. Ngenxa yokuba amakhadi enkokhelo esitolo akhuthaza ukusetyenziswa okuphezulu, amanqaku akho okwekhredithi aya kulahla njengoko ibhalansi yakho isondela kumda wakho wesikweletu.
06 Ba khuthaza amatyala
Kukhona isilingo esininzi sokuchitha xa unekhadi lekhredithi yokuthengisa. Uya kufakwa rhoqo ukukhuthaza ukuchitha imali, njengezaphulelo kubaphathi bekhadi, ii-imeyili malunga nokuthengisa, kunye nembuyekezo kwimali yakho. Amakhadi e-credit card amaninzi aya kuhlala ephakamisa umda wakho wemali njengoko ukwandisa imali yakho kwikhadi lakho lekhredithi.
Ukuba awuhlawulwanga kunye neendleko zekhadi lakho lokuthenga ngetyala, unokufumana lula ngokulinganisela ukulinganisela. Landela imigaqo yokuhlawula kuphela oko unokukwazi ukufumana kunye nokugcina ibhalansi yakho ngaphantsi kweepesenti ezingama-30 zomlinganiselo wesikweletu, kungakhathaliseki ukuba ukuphakama kwakho kwemali kuphakame kangakanani.
07 Imigomo ayifakwanga ngokuSayina
Ngokuqhelekileyo, xa ufaka isicelo sekhadi lekhredithi yokuthengiswa kwindawo yokuthengisa, awunikelwa ingcaciso epheleleyo yemimiselo neemeko ngaphambi kokuba ufake isicelo. Nangona unikezwa incwadana kunye nemigaqo yekhadi lesikweletu, awunayo ixesha elaneleyo lokuvavanya iindleko uze uwathelekise kwezinye iikhadi zamatyala ukuze uqiniseke ukuba ufumana into enhle.
Cinga malunga naliphi na isigqibo esiphezulu semali, ngokukhethekileyo ukuvula i-akhawunti entsha. Ngamakhadi eentengo zemakethe, awunasoloko unikwa ithuba.