Ekubeni umlinganiselo wakho wesikweletu unyanzelekile kwimibuzo yeengxelo zemboleko, kufuneka uphephe ukufaka izicelo ngokukhawuleza kumakhadi wesikweletu ukuze ubone ukuba uya kuthotyelwa. Imibuzo emininzi yemboleko , ngokukodwa kwithuba elincinane, kuya kwenza kube nzima ukuba ufumane imvume yamakhadi-kredit.
Ukuba unokwazi ukukhawula amakhadi ekwerethi anokukuvuma, uya kufaka izicelo ezimbalwa zekhadi lesikweletu kwaye ukwandise amathuba okufumana imvume.
Iingxelo ezimbini zokuBala iMboleko
I-Global Globe's Score Match ikunika uluhlu lwamakhadi-mboleko ngokusekelwe kumanqaku akho . Indawo leyo ibonisa izinga lokuvunyelwa kwekhadi lesikweletu, kukunika ingcamango engcono yokuba ngaba isicelo sakho siya kuvunywa.
Ukuba awukwazi umlinganiselo wakho wekhredithi, uMhlalutyi weeMali zeCreditCard.com ubuza imibuzo malunga nomlando wakho wekhredithi ukuqikelela umlinganiselo wakho wekhredithi. Emva koko, isixhobo sikhankanya amakhadi ekwerethi ahambelana nawe ngokusekelwe kumlinganiselo wakho wekredithi.
Ukuba awukwazi umlinganiselo wakho wesikweletu, ungabhalisela kwi-Credit Karma okanye kwi-Credit Sesame. Zomibini ziinkonzo zekhredithi zekhredithi zamahhala ezingenakudinga ikhadi lekhredithi okanye ukubhaliswa kwesilingo ukuze kufumaneke ukufikelela kumanqaku akho.
Ukuhlola ukujonga ukuba Ufanelekile
Abancinci bamakhredithi abambalwa banokuvumela ukuba ufake ulwazi lwakho lomntu ukuze ufumane ukuba ngaba ufundele ngaphambili kwikhadi lesikweletu:
- Bank of America
- I-Capital One, ikuvumela ukuba ujonge amakhadi ekhredithi ngokubhekiselele kwiimpawu zokuthenga ngetyala kwaye ukhangele ukuze ubone ukuba ngaba uphumelele
- Citi
- Fumana
- Ibhanki yaseU.S.
Ezi zikhupheli zekhadi zekhredithi zenza idrafti ethe tye kwi-credit report yakho ukufumana ukuba ufanelekile nawaphi na amakhadi abo ekwereta. Ukuba akukho minganiso, kukho ubungqina obuqinileyo ukuba uya kulahlwa xa ukhetha ukufaka isicelo.
Kungenxa yokuba ikhadi lekhredithi lihambelana nomlinganiselo wakho wekhredithi awuqinisekisi ukuba uya kuvunywa ukuba uyafaka isicelo. Emva kokuba uthumele isicelo, umniki wekhadi lokuthenga ngetyala uya kwenza uhlaziyo olugqithiseleyo lwembali yakho yematyala kunye nengeniso ukugqiba ukuba uhlangabezana neziqinisekiso. Ukuba unqatshelwe, uya kufumana ileta kwiposi ngexesha leentsuku ezimbalwa uchaza isizathu sokuba isicelo sakho siphendulwe.
Ukuba akukho minganiso kuwe ngokusekelwe kumanqaku akho ekhredithi, cinga ukufumana ikhadi lekhredithi elikhuselekile, elifuna ukuba uyihlawule idiphozithi ukuze ukhusele umda wakho wemali. Emva kweenyanga ezimbalwa zokusetyenziswa ngokufanelekileyo, unokukwazi ukuguqula ikhadi lakho lekhredithi elikhuselekile kwikhadi lekhredithi elingakhuselekanga okanye i-credit yakho ingaba kwindawo engcono ukukunceda ukufumana enye ikhadi lekhredithi elingakhuselekanga.
Kungakhathaliseki ukuba unetyala elihle okanye elibi, kukusoloko ukhetha ukukhetha amakhadi ekweretyhi ngokusekelwe kwiimpawu zabo - inzala, inkokhelo, imivuzo, njl.