Amakhadi ahlawulwa rhoqo awamkelekanga, oko kuthetha ukuba ayilona khetho.
Ukufumana imvume yekhadi lekhredithi elingenayo ikhredithi okanye imbali yengeniso yamatyala inzima. Ikhadi lekhredithi elilondoloziweyo lingaba yindlela kuphela yokuqalisa i-credit yakho okanye ukuphucula umlando wakho wekhredithi .
Amakhadi okuthenga ikhredithi afana namakhadi ahlawulwa ngaphambili ngenxa yokuba ayidla ngokukhawuleza i- credit . Kufuneka ubeke idiphozi yokhuseleko elinganayo ngokulinganayo nomda wakho "wesikweletu". Kodwa ziyindlela engcono kunekhadi ehlawulwa kuqala ukuba uzama ukwakha i-credit ngenxa yokuba ukusetyenziswa kwekhadi lakho kuxelwe kwi-arhente enkulu ye-credit. Sebenzisa ikhadi ngokufanelekileyo, kwaye unokuqala ukwakha-okanye ukwakha-i-credit yakho. Ukhuseleko lwakho lufakwe ngokutsha xa uvala i-akhawunti yakho okanye umniki-khadi uguqula ikhadi lakho kwikhadi elingakhuseliyo, ngezinye iimeko ezikhethiweyo xa wenza iifizi ezifike ngexesha kwaye ugcine i-akhawunti yakho ngokuma kakuhle.
Ziziphi iirhafu?
Ikhadi lekhredithi elikhuselekile linakho iimali zokufaka isicelo, iifizi zokusebenza kunye nemirhumo yonyaka.
Njengamanye amakhadi e-credit , iifizi zichazwe kwi-offer and terms and conditions. Qinisekisa ukuvavanya nokuqonda iintlawulo ngaphambi kokuba ufake isicelo. Thelekisa imirhumo ekhadini ocingayo kunye nemirhumo kwenye yamakhadi aqinisekisiwe ukuze ufumane ingcamango yokuba uhlawula kakhulu.
Ungafaki isicelo sekhadi lekredithi elibizayo.
Injongo kukukwakha ikhredithi yakho ngokwaneleyo ukufumana ikariti yekhredithi engakhuselekanga. Akukho bulumko ekuhlawuleleni okungaphezulu kunokuba unayo.
Yiyiphi inqununu yokugcina imali?
Amakhadi okuthenga ngetyala aqinisekisiwe kunye nediphozithi egcinwe kwi- akhawunti yokulondoloza (ngamanye amaxesha i-akhawunti ene-interest-bearing account) kwaye isetyenziswe kuphela xa ungagqibekanga kwiintlawulo zakho. Kuya kubakho ubuncinci kunye nemigangatho ephezulu yokupaka.
Amakhadi aphantsi okuncinci amakhofu afumaneka, kodwa aya kuba nomda ophantsi. Njengoko uthengisa ngeenxa zonke, yiba nombono wediphozithi uyakwazi ukuhlawula kwaye ulawule amakhadi ngobuncinane beemfuno zokugcina imali ngaphandle kwebhajethi yakho.
Umlinganiselo wakho wekhredithi uza kuba njani?
Umda wakho wekhredithi mhlawumbi uya kulingana nokugcinwa kwekhuseleko lwakho. Amanye amakhadi anika umda weekhredithi ezahlukeneyo kwi-deposit deposit. I- Capital One i-MasterCard ekhuselekile , umzekelo, ivumela abafakizicelo abafanelekileyo ukuba bakhokhe idiphozithi ephantsi nje nge-$ 49 ngenani lemali yemali engama-200.
Yintoni i-APR?
I- APR , okanye ipesenti yepesenti yonyaka, isantya senzala esetyenziswe kwimilinganiselo oyithwala ngaphaya kwexesha lobabalo . Ukuphakama kwezinga lentengo , iphakamileyo imali yakho iya kuba xa uqhuba ibhalansi.
I-APR yenye yezona zinto zibalulekileyo zigqibo kunye naliphi na ikhadi lekhredithi kuba lichaphazela iindleko zokuphatha ibhalansi.
Amakhadi ekhredithi aqinisekileyo anamanani athile aphezulu ngaphezu kwamakhadi ekhredithi angakhuselekanga, ngoko ungalindelanga ukuba ufumane umgangatho okhuphiswano. Unokuphepha ukuhlawula inzala kwimali yakho ngokuyihlawula ngokupheleleyo ngenyanga.
Yakha imbali yeebhanki
Ukuba ufuna ikhadi lokuthenga ngetyala lokunceda ukuseka okanye ukuseka kwakhona i-credit yakho, qiniseka ukuba umniki wekhadi lokuthenga ngetyala - mboleko ubika kwi-freeaus enkulu ye- credit -Equifax, Experian, kunye ne-TransUnion. Amakhadi ekhredithi akhuselekileyo angayibhengezi kuma-bureaus asebenza ngokukhawuleza ngamakhadi ahlawulwe kwaye ayinakunceda ukulinganiswa kwesikweletu sakho. Ukunika ingxelo kwi- arhente enye yokunika ingxelo yekhredithi ayiyi kunceda ngenxa yokuba ngababolekisi abambalwa kuphela basebenzise le ngxelo .
Ngaba unakho ukhetho lokuguqula kwikhadi lekhredithi elingakhuselekanga?
Amakhadi ekhredithi asemgangathweni akhuselwe kukuvumela ukuba uguqulwe kwikhadi elingakhuselekanga emva kwexesha lokuhlawulwa kwexesha elifanelekileyo, njengeenyanga ezili-12 ukuya kwezi-18.
Amakhadi angakhuselekanga kaninzi aneemali eziphantsi (okanye akukho ntlawulo ekho konke), inzala engaphantsi , kunye nemithintelo embalwa. Eyona nto ibhetele, amakhadi angakhuselekanga ayifuni ukugcinwa kwekhuseleko.
Ukuba ikhadi elihle kunawe lingazange liguqulwe kwikhadi lekhredithi elingakhuselekanga , akukhathazi kakhulu. Uhlala unokufaka isicelo sekhadi lekhredithi elingakhuselekanga xa usungule imbali yomboleko obolekayo nokubuyisela.
Ngaba ikhadi elinikelwa libhanki elihloniphekileyo?
Ukuba uthengisa ikhadi lekhredithi elikhuselekile, mhlawumbi unetyala elibi okanye awukho i-credit kwaye unokujoliswe ngabo bathengisa iimveliso eziyingozi. Amanye amakhadi ekhredithi athengiweyo kwiimarike anenani lezinga eliphezulu lemali kunye nemirhumo. Gwema ukufaka isicelo kwikhadi kuyo nayiphina ibhanki evakalisa isicatshulwa, nangona ukuba isibonelelo sibonakala sininzi.
Yenza uphando lwe-intanethi kwikhadi lesikweletu ocingayo ukufunda iimpendulo kwaye ufunde oko abanye abaye babhekana naloo khadi kunye nomniki wekhadi lokuthenga ngetyala.