Yazi kwakhona, ukuba kukho indlela yokusebenzisa amakhadi esikwereti ngokufanelekileyo kwaye ugwebe iingcingo abaninzi abathengi.
Isihendo sokuVikela
Izifundo zibonisa ukuba abathengi basebenzisa ngaphezulu xa behlawula ngamakhadi-ngxowa kunokuba behlawula ngemali. Kwisifundo esinye, abathathi-nxaxheba babezimisele ukuchitha imali ngokuphindwe kabini xa usebenzisa amakhadi ekwereta ngokusebenzisa imali. Kulula kwaye kulula ukuchitha imali ngekhadi lesikweletu, kwaye awuveki "intlungu" yekheshi eshiya isikhwama sakho. Mhlawumbi ichaza inani lemali yekhadi lesikweletu.
Indlela yokuyikhusela: Misela umda wokuchitha imali kunye nekhadi lakho lesikweletu, nokuba lingaphantsi kwekhadi lakho lemali-mboleko, ngokusekelwe ekubeni ungakanani ukuhlawula kwikhadi lakho lekhredithi inyanga nganye. Qaphela ukuba awukho ngaphezu kwezinto zokuphila ukuze uphile ngendlela ophila ngayo ongenakukwazi ukuyifumana okanye ukuvakalisa abantu ngeplastiki yakho.
Inzala yenza kube nzima ukuhlawula iBhalance
Ukuhlawula izilinganisi zekhadi zekhredithi ngokupheleleyo inyanga nganye kukuvumela ukuba ugweme ukuhlawula nayiphi na inzala nhlobo.
Kodwa kuphela i-29% yabanini bamakhadi abahlawula ibhalansi yabo ngokupheleleyo inyanga nganye, ngokwemibare evela kwi-American Bankers Association kaJuni yeKharity Credit Card Market Monitor. Ukuba awuhlawulanga ibhalansi yakho ngokugcwele, ke inxalenye yentlawulo nganye iya kwiintlawulo zenzalo ukwandisa inani lexesha elifunekayo ukuhlawula ibhalansi yakho.
Indlela yokuyiphepha: Hlaba imali yakho ngokugcwele ukukhusela nayiphi na inzala ekuthengeni. Ukuba awukwazi ukuhlawula ngokugcwele, unokuhlawula ngaphezulu kunokuba unakho ukuhlawula, kodwa uhlawule kangako njengoko unako inyanga nganye uze ufikelele ibhalansi yakho.
Ingozi yokufumana amatyala
Naliphi na ixesha uboleka imali odala ityala. Ukuba uboleke kakhulu, ngaphandle kokubuyiselwa phantsi, unzulu ungena kwiityala. Iingxowa zikhokelela kwiintlobo ezininzi zeengxaki kwaye akuzona zonke iimali. Amatyala angakhokelela ekuxinezelekeni, ukuxinezeleka, ezinye iinkalo zempilo, nakwezinye iimeko ezinzulu, nokuzibulala.
Xa usenetyala, ukufikelela kwezinye iinjongo zemali kunzima kakhulu. Ukuchitha imali ngetyala kukushiya imali encinci kwezinye izinto ezibalulekileyo njengokugcina imali yomhlalaphantsi okanye iholide. Unokulibaziseka iinjongo zakho zemfundo okanye uzive uvalelwe emsebenzini ongawuthandiyo ngenxa yokuba kufuneka uhlawule iibhokhwe zakho.
Indlela yokuyiphepha: Qaphela ukuba uhamba kwi-credit card ngetyala, ngokukodwa unganakho ukuhlawula ibhalansi yakho ngokugcwele inyanga nganye. Yeka ukusebenzisa amakhadi akhotyala kwaye ugxininise ekuhlaleni kwiindlela zakho zokungena kwi-intloko yakho.
Ubungozi bokutshabalalisa i-Credit Score yakho
Amakhadi eitaliti anempembelelo enkulu kumanqaku akho ekwereta .
Sebenzisa ngokufanelekileyo ikhadi lakho lekredithi , kwaye usele ndlela eya kumanqaku amakhulu ekwereti. Kodwa, ukuba wenza iphutha - njengokuba ulahlekelwa intlawulo yeentsuku ezingama-30 okanye ngaphezulu - umlinganiselo wakho wekhredithi uya kuthatha. Xa uphazamisa ngakumbi, amanqaku akho ekhredithi aza kuwa.
Indlela yokuyikhusela: Indlela efanelekileyo yokwakha nokukhusela umlinganiselo wakho wekhredithi kukuhlawula ikhadi lakho lekredithi ngexesha, gcina ibhalansi yakho engaphantsi kwe-30% yomlinganiselo wakho wesikweletu, kwaye unciphise izicelo zekhadi lesikweletu ozenzayo.
Iintlawulo eziNcinci zenza iNgqiqo yamanga yoKhuseleko
Umnikeli wakho wekhadi lokuthenga ngetyala unifuna ukuba wenze inkokhelo encinci inyanga nganye ukuphepha iimali ezifihliweyo kwaye ugcine i-akhawunti yakho ngokuma kakuhle . Ngelishwa, emva kokungakhokheli nantoni, iintlawulo ezincinci yindlela eyona nto yokuhlawula ibhalansi yakho. Uza kuchitha ixesha elide ukuhlawula ibhalansi yakho kwaye uhlawule umdla xa ufuna ukwenza intlawulo encinci kuphela.
Indlela yokuyikhusela: Ukuhlawula ibhalansi yakho ngokugcwele kulungile, kodwa ukuba awukwazi ukuhlawula yonke ibhalansi yakho, hlawula ngaphezu kokuncinci ukulahla ibhalansi yakho ngokukhawuleza kwaye unciphise inani lemali oyihlawulayo ngokubanzi.
Ukudibanisa imigomo yeKhadi leKhadi
Nangona iimpawu zekhadi zekhredithi ziba ngubonga obucacileyo ngakumbi kuMthetho weKharityhulam weKharityhulam ka-2009 , kusekho ukudideka ngokunikezelwa ngamakhadi ekwereti. Ikhadi lekredithi elilodwa linokuba nemilinganiselo emininzi eyahlukeneyo kwaye ukwazi ukuba yeyiphi izinga elisebenzayo linokudideka. Ukungaqondi kakuhle imigaqo yamakhadi ekwereti kunokuba nemiphumo emibi-njengemali eyongeziweyo okanye inzala okanye umonakalo kwikhredithi yakho.
Ungakuphepha njani: Ukuqonda iintlobo ezahlukeneyo zezilinganisi ungaqhuba ngekhadi lakho lekhredithi kunye nomyinge wenzala osebenzayo ngamnye. Funda ngeprogram yakho yemivuzo ukuze ufunde oko kuthengwa kukufumana umvuzo. Qhagamshelana nenkonzo yabathengi ngekhadi lakho lekhredithi ngemibuzo malunga nekhadi lakho lesikweletu.
I-Harder Ukulandelela Ukusetyenziswa KweeMali, ngokukodwa KwiiCredit Multiple Cards
Ukulandelela inkcitho yakho kuyisiseko sempilo enempilo enempilo, kodwa ukongeza amakhadi ekwereta kwiindlela zakho eziqhelekileyo zokuchitha imali kunokukwenza kube nzima ukugcina yonke yakho imali. Kuyinyani ngokukodwa ukuba usebenzisa amakhadi akho ekhredithi kunye nekheshi kunye ne-debit, kwaye ukuba usebenzisa amakhadi amaninzi ekhredithi. Enye yezizathu zeakhadi zekrediti zenza kube lula ukuchitha imali.
Indlela yokuyiphepha: Ukusebenzisa amakhadi amaninzi kuthetha ukuba kufuneka ukhangele kwiindawo ezahlukeneyo xa ulandelela iindleko zakho. Unokuyilandela ngesandla kwirekhodi yokuchitha okanye ispredishithi okanye usebenzise isofthiwe yezemali efana ne-Mint okanye i-Quicken ukukunceda ukulandelela imali yakho.
Amakhadi aKhuseleko aya kwiNgcipheko yeCredit Card
Kwinqanaba elithile, wonke umntu onomakhadi wekhredithi usemngciphekweni wokuba uxhoba lokukhwabanisa ngekhadi lesikweletu . Ikhadi lakho lokuthenga ngetyala lingabiwa, okanye isela lingathatha ulwazi lwekhadi lakho lekhredithi ukusuka kwinkampani oye wayichitha. Ngombulelo, uxanduva lwakho lokuthengwa kwekhadi lokuthenga ngetyala lekhredithi lucacisiwe, kodwa kufuneka ubike ezi ntlawulo ngokukhawuleza.
Indlela yokuyiphepha: Ukujonga rhoqo ikhadi lakho lekhredithi kwaye ubike ingxelo yekhadi lesikweleti okanye iindleko ezikhawulezayo ngokukhawuleza.