Izwi elithi "ixesha yinto yonke" ngokuqinisekileyo isebenza kwintlawulo yekhadi lakho lesikweletu. Ukuba uhlawula ngokukhawuleza, kungekuphela nje ukuba uza kuhlawula imali, kodwa ubeka umngcipheko ekonakaleni i-credit yakho kwaye inzala yakho yenzalo iyenyuka kwizinga eliphezulu .
Ixesha lokuhlawulwa kwekhadi lakho lekhredithi - nokuba xa uhlawula ngexesha - linokuchaphazela umyinge wenzala ohlawulweyo. Ukuhlawula kwangaphambili kwisijikelezo sokuhlawula kwaye unokunciphisa inani lemali yakho yeemali.
Nazi ezi zihlandlo ezihlanu ezilungileyo kakhulu ekufuneka uhlawule ikhadi lakho lesikweletu.
Ngaphambi komhla wokugqibela, okanye ubuncinane ngexesha elifanelekileyo ngomhla omele
Ukwenza ubuncinane intlawulo engaphantsi ngaphambi kokuba ixesha lokuchithwa ngexesha elifunekayo liya kugcina i-akhawunti yakho ngokuma kakuhle kwaye ikuncede ukuphepha ukuhlawulwa kwexesha lokugqibela. Ukungaphumeleli ukuhlawulwa kwekhadi lakho lekhredithi, nangemizuzu embalwa kuya kubangelwa ubuncinane imali efihliweyo. Unokubangela kwakhona inani lezahlwayo ukuba ngaba lakho i-akhawunti yakho iyakuba yiminyaka engama-60 edlulileyo ngenxa. Iintlawulo zexesha elide zingaphinda zilahle nayiphi na imivuzo oyifumene nayo.
Ukuba uzama ukwenza inkokhelo yokugqibela yekhadi lokuthenga ngetyala , unako ukuhlawula inkokhelo yefowuni nje ngokuba ubiza phambi kwexesha lokuhlawula imali. Qaphela ukuba kunokuhlawulwa kwemali yokwenza intlawulo ngokukhawuleza phezu kwefowuni kodwa ngokuqhelekileyo iyancipha kunomrhumo wexesha elide kwaye uza kuphepha ezinye iintlawulo zentlawulo emva kwexesha .
Ngaphambi komhla wokuvala ingxelo ye-akhawunti
Ukuqinisekisa ukuba ibhalansi ephantsi kwekhadi yesikweletu ibikwa kwii-credit bureaus kule nyanga, yenza ityala lakho lekhadi lesikweletu ngaphambi kokuba umhla wokuvala ingxelo .
Ukuba nekhadi eliphezulu lekhadi lekhredithi elihlaziyiweyo kwingxelo yakho yekhredithi inokuphakamisa ukusetyenziswa kwekhredithi kwaye ibangele amanqaku amancinci aphantsi. Ukuba neyona ndlela ingcono kakhulu yokubakhokhwa ngamatyala kubalulekile ukuba uceba ukufaka isicelo sembolekiso enkulu phambi kokuba umhla wokugqibela we-akhawunti yomva wokuvala ujikeleze.
Ngaphandle koko, unokuqinisekisa ukuba ibhalansi esezantsi ichazwa kwiziko lemali-mboleko zemali kuqala ngokuhlawula ikhadi lakho lesikweletu kwaye ngokuphepha konke ukuthengwa kwekhadi lesikweletu ngaphambi komhla wakho wokuvala.
Ekuqaleni kwimijikelezo yokuhlawula
Umhla wakho wokukhawulwa ngamakhadi wesikweletu ungawa kamva kumjikelezo wokuhlawula, kodwa ukuhlawula kwangethuba kumjikelo wenkokhelo kunokunciphisa inani lemali yakho yemali , ingakumbi ukuba ungenzi nawuphi na ukuthenga ngexesha lomjikelo wenkokhelo. Nasi isizathu: umniki-khadi wakho wekhadi mhlawumbi usebenzisa i-balance balance okanye indlela yokulinganisela imihla ngemihla ukuya kwindlela yokubala iirhafu zakho zezemali. Ukuba ne-balance balance yeentsuku ezongezelelweyo ngenyanga kuya kubangela ukuhlawulwa kwentlawulo ephantsi.
Xa idiphozithi yakho ngqo ihlasela
Ukwenza ukuhlawulwa kwekhadi lakho lesikweletu ngokufanelekileyo emva kokuba uhlawulwe liqinisekisa ukuba unokukwazi ukuhlawulela intlawulo kwaye kunciphisa amathuba okuba uza kuhlawula. Ungathumela yakho intlawulo nangona umhla ofunekayo awuyiyo iintsuku eziliqela ukuba uxolo lwengqondo ukwazi ukuba intlawulo yakho ifakwe. Qinisekisa ukuba uhamba phezu kwezinye iimali zakho ukuqinisekisa ukuba awuzami ukuhlawula kakhulu kwi-paycheck enye. Ukuba uhlawulwa ngeveki okanye ngeenyanga, uya kukwazi ukuhlawula ezinye iintlawulo zekhadi zekredithi uze uhlawule ngokuzayo.
Ngaphambi kokuthenga enkulu
Ukubeka ukuthenga okukhulu kwikhadi lakho lekhredithi xa sele unayo ibhalansi kunokunyusa ukusetyenziswa kwekhredithi kunye nokulimaza amanqaku akho. Ukuhlawula ibhalansi yakho ngaphambi kokwenza ukuthenga okukhulu kunokugcina i-credit card yakho isebenzise ukukhangela kunye nokukhusela umlinganiselo wakho wekhredithi kwi-dip.
Kukho iinzuzo zokuhlawula ikhadi lakho lekredithi kumaxesha angaphambili kumjikelezo wokuhlawula, kodwa into ebaluleke kakhulu yinto yonke ukwenza ukuhlawulwa kwekhadi lakho lesikweletu ngexesha.