Funda Ilungelo Lakho LoKhuseleko LikaRhulumente
Ukufaka isicelo seNtsha yeMali
Xa ufaka isicelo sekhredithi, abakhupha amakhadi abemali-mboleko abanakukubandlulula ngenxa yobulili, ubuhlanga, unqulo, ubuzwe, ubudala, isimo somtshato okanye ukuba ufumana uncedo loluntu.
Umniki wekhadi lokuthenga ngetyala unokukhanyela isicelo sakho sekhadi lesikweletu ukuba awuhlangabezani neminyaka esemthethweni yokufumana ikhadi lekhredithi. Abaniki bamakhadi bamakhadi abakwazi ukukhanyela isicelo sakho sekhadi lesikweletu kuba ufumana uncedo loluntu kwaye kufuneka akuvumele uncede uncedo loluntu kwingeniso yakho.
Abaniki bamakhadi bamakhadi kufuneka bakuxelele umphumo wesicelo sakho sekhadi lesikweletu ngaphakathi kweentsuku ezingama-30. Ukuba isicelo sakho siphenduliwe , kufuneka sikuxelele ukuba kutheni kwaye sikunike iintsuku ezingama-60 ukufumanisa ukuba kungani isicelo sakho siphenduliwe. Unelungelo lokufumana umvuzo wesikhokhwa samahhala ukuba isicelo sakho sekhadi lesikweleti sichithwe okanye ukuba uvunyiwe kodwa nangamagama angamkelekanga.
Uhlawulo lweKharity Card
Amakhadi okuthenga ngetyala kufuneka akuthumelele inkcazo yenkokhelo ubuncinane iintsuku ezingama-21 ngaphambi kokuba uhlawule umhla, ixesha elaneleyo lokuba wenze intlawulo yakho ngexesha kwaye usebenzise ixesha elifanelekileyo lokuba unomvuzo. Isitatimenti sakho sokuhlawula siya kubandakanya iikhredithi kunye neentlawulo kwiakhawunti yakho ukususela kwisitatimende sokugqibela sokuthengisa .
Kuyakuquka kwakhona intlawulo yakho encinci , umhla ofunekayo, kunye nolwazi malunga nokuhlawulwa kwexesha lokugqibela, kunye nefuthe lokwenza intlawulo encinci.
Unelungelo lokuphikisa iimpazamo zokuhlawula . Ukuba isitatimenti sekhadi lakho lesikweletu linempazamo, ngokubanzi unemihla engama-60 ukuphikisana nephutha kunye nomniki wekhadi lokuthenga ngetyala.
Nangona abaninzi abakhupha amakhadi ekhredithi baya kuthatha ingxabano malunga nefowuni, kufuneka wenze ingxabano yakho ngokubhaliweyo ukuqinisekisa ukuba amalungelo akho akhuselwe ngokupheleleyo phantsi komthetho.
Iimali zeeKhadi zeMatyala ezingagunyaziswanga
Ukuba ikhadi lakho lekhredithi lisetyenziswa ngaphandle kwemvume yakho , unokunciphisa uxanduva lwakho kwiintlawulo ngokuthatha amanyathelo athile. Okokuqala, kufuneka unike ingxelo ngekhadi lakho lekhredithi ngokukhawuleza. Awuyi kuba noxanduva lwalaphi na iirhafu xa ubika ikhadi lakho lesikweletu ngaphambi kokuba isela lifumane ithuba lokusebenzisa, kodwa unokuba noxanduva lokufikelela kuma-$ 50 ukuba ubude ubika ingxelo. Awunamacala kuzo zonke iintlawulo ezenziwe ngokusebenzisa inombolo yakho yekhadi lesikweletu xa usenayo ikhadi le-credit card.
Ukubika ngeNgxelo
Umnikezeli wakho wekhadi lokuthenga ngekhredithi unokunika ingxelo malunga nekhadi lakho lekhredithi kunye nembali yakho yokuhlawula kwi-credit bureau, ebizwa ngokuba yi-arhente yokubika ngetyala okanye i- credit bureau . Unelungelo lokujonga ingxelo yakho yekhredithi kwaye uqinisekise ukuba ulwazi oluchazwe ngekhadi lakho lesikweletu lichanekile. Unokuphikisana naluphi na ulwazi oluchanekileyo kunye ne-bureau okanye i-credit card.
Utshintsho kwiSivumelwano sakho seKhadi leKhadi
Abaniki bamakhadi ngekhadi ngamanye amaxesha banokwenza utshintsho olukhulu kwisivumelwano sakho sekhadi lesikweletu, njengokunyusa izinga lomdla okanye ukuzisa imali entsha yonyaka.
Unelungelo lokulahla olu tshintsho kwaye uhlawule ikhadi lakho lesikweletu phantsi kwemiqathango yakho yangoku. Umniki wekhadi lokuthenga ngetyala kufuneka akuthumele isaziso sokuhamba kwangaphambi kweentsuku ezingama-45 ngaphambi kokuba utshintsho olukhulu luqalise ukusebenza. Kufuneka banikeze nemiyalelo malunga nendlela yokuphuma kwezi nguqu.
Ukujongana nokuShatshazwa kwamalungelo akho eKhadi leKhadi
Unako ukufaka isikhalazo kumniki-khadi umniki-mali ophula amalungelo akho kunye ne-arhente efanelekileyo yokulawula. ICandelo leKhuseleko leMali yabathengi lijongene nokunyanzelisa imithetho yeenkampani zekhadi lesikweletu. Okwangoku, qhubeka uthumela izikhalazo malunga nabaqokeleli beetyala kunye neerhafu zemali-mboleko kwi-Federal Trade Commission. Amaziko amaninzi ahlukeneyo alawula iinkampani zekhadi lesikweletu, njenge-National Credit Union Administration. Ungafaka isikhalazo ngala ma-arhente.