Amakhadi eKhariti yokuKwakha kabusha iNgxowa-mali engebi

Ziziphi iikhadi zamakhredithi ezinceda ukuvuselela amanqaku amanqaku emboleko

Ukwakha kwakhona imbali yebhanki embi , kufuneka uqale ukufaka ulwazi oluchanekileyo kumanqaku akho ekwereta. Ingcaciso engakumbi ongayongezayo, umlinganiselo wakho wekredithi uza kuphucula. Inkathazo ifumana amakhadi ekwereta ekwakheni i-credit card embi. Uninzi lwamakhadi-kredari kwimarike yenzelwe abantu abanomgangatho ophezulu kwizikolo zemali-mboleko . Ukufumana amakhadi ekhredithi ekwakhiweni kwekhredithi akusoloko kulula.

Kodwa, kukho amakhadi ekwereta apho apho avumela abantu abakha kabusha ikhredithi yabo.

Amakhadi ekhredithi aqinisekileyo ekwakheni iitaliti ezimbi

Amakhadi okuthenga ngetyala ayenokuzikhethela ukwakhiwa kwekhredithi ngenxa yokuba ayifuni i-credit check. Amakhadi ekhredithi aqinisekileyo aziphatha njengama-card amakhadi avuthiweyo. Ukwahlukana kukuba unokukhutshwa kwekhuseleko malunga nomda wekhredithi kwikhadi. Idiphozithi ifakwa kwi-akhawunti yokulondoloza kwaye isetyenziswe kuphela xa ungagqibekanga kwikhadi lakho lesikweletu. Ngaphandle koko, ukuthenga kwakho kuhambelana nomda wakho wemali.

Ukuba unayo imali eyaneleyo yokugcina idiphozi, unako ukufumana ikhadi lekhredithi elikhuselekile . Idiphozithi yakho ingaba ngaphantsi kwe-$ 49 kwi- Capital One Secured MasterCard . Ukufumanisa iKhadi leMatyala eliKhuselekileyo, eliyimali ekhusekileyo kwikhadi, yenye enye indlela yokwakha kabusha i-credit yakho.

Kukho amanye amanani amakhadi asematyala aqinisekileyo kwiimarike - iWalls Fargo Ikhadi leKretari eliKhuselekileyo , iGosa eliPhezulu leCandelo eliKhuselekileyo, kunye ne-USAA Ikhadi elondekileyo yimimiselo embalwa.

Khangela ikhadi elikhuselekile elinika ingxelo kwi- credit bureaus enkulu, inemali ekhoyo yonyaka, kwaye iguqula kwikhadi lekhredithi elingakhuselekanga emva kwexesha leentlawulo ezifike ngexesha.

Ezinye zeKhadi leKhadi

Amakhadi okuthenga ngetyala athengiswayo , kodwa inqanaba eliphezulu lezala kunye nokusetyenziswa okuncinci kwenza ukuba bangabonakali ngaphantsi kwamanye amakhadi ekrekodi ekwakhiweni kwekhredithi.

Ukuba uvunyiwe kumakhadi ekratshi, uza kuba nomlinganiselo ophantsi kakhulu weentengo zemali, malunga ne-$ 100 ukuya kwi-300. Unokwazi ukuba umlinganiselo wakho wekhredithi ukwandiswe ngezikhathi njengoko usebenzisa ikhadi lakho ngokufanelekileyo kwaye uhlawule ngexesha ngalinye ngenyanga. Iinyanga ezininzi zeentlawulo ezilungileyo kunye nekhadi lokuthengisa zingakunceda ufumane into engcono.

Jonga ngamakhadi-mboleko njenge- Applied Bank Gold Visa ehlawulisa imali ephezulu kakhulu yonyaka ehambelana nomda we-credit-$ 125 yonyaka umrhumo werhafu ye-$ 500 kule mali. Le amakhadi okuvunwa kwemali asebenzisa i-credit card engenakwenzeka, abanenkathazo yokufumana i-credit nakwezinye indawo. Iindleko eziphezulu azifanelekanga inzuzo encinci.

Ekugqibeleni, amakhadi ahlawulwa ngumbhadi wekhredithi okanye ukujonga enye i-akhawunti engasetyenziselwa ukwenza ukuthenga uhlobo lwekhadi lesikweletu kunye nohlobo lwekhadi lokuthenga. Nangona kunjalo, la makhadi awaphuculanga amanqaku akho ekhredithi - ubuncinane awona mgangatho wesikweleti oqhelekileyo obo baninzi ababolekayo basebenzisa ukuvuma izicelo zakho.