Ukusetyenziswa kwekhadi elifanelekileyo lokuthenga ikhredithi - ukugcina ibhalansi esezantsi kunye nokuhlawula ngexesha - kuya kunceda ukwakha amanqaku omvuzo wesikolo . Kodwa, ukuba ikhadi lakho lesikwerethi lingasebenzi - ngamanye amagama uyeka ukuyisebenzisa kwiinyanga ezizeleyo - umniki wakho wekhadi unokuyeka ukuthumela izibuyekezo kumaziko e-credit bureaus.
Ukuba oko kwenzeka, loo akhawunti inempembelelo encinci kumanqaku akho ekwereta.
Xa iikhadi leMatyala lingasebenzi
Akukho myalelo okhawulezayo onokuthi udla kangakanani ukusetyenziswa kwekhadi lakho lesikweletu. Abanye abakhupha amakhadi ekhredithi baya kuvala iakhawunti yakho yekhadi lekhredithi ukuba iya kungasetyenziselwa iinyanga eziliqela Le nto ingaba iinyanga ezili-12 okanye inokuba yiminyaka emibini, kuxhomekeka kumkhupheli wekhadi lesikweletu. Ngokomzekelo, amakhadi e-credit card angavumela ixesha elide lokungasebenzi kunokubhekisele kumakhadi ekhredithi amakhulu. Ngaphambi kokuba ikhadi lakho lokuthenga ngetyala livaliwe, abanye abakhupha amakhadi ekhredithi bayeke ukuhlaziya i-akhawunti yakho kunye ne-ofisi yama-credit.
Ngamaxesha amaninzi ukusetyenziswa kweKhadi lakho leKhadi ukuze lihlale lisebenza
Njengomthetho wesithupha, kufuneka ujonge ukusebenzisa ikhadi lakho lekhredithi ubuncinane nganye ukuya kwiinyanga ezintathu ukugcina ikhadi lakho lekhredithi livulekile kwaye lisebenza kwaye ukuqinisekisa ukuba umnikeli wakho wekhadi lokuthenga ngekhredithi uyaqhubeka nokuthumela izilungiso kwiimali zesikweletu. Ukuba unamakhadi athile eentengo zemboleko, kunokuba nzima ukubenza basebenze ngaphandle kokubeka ingozi yokufumana ityala.
Unokwahlula amakhadi akho ekwereta kumaqela amathathu kwaye ujikeleze usebenzisa wona ngekota. Iqela lokuqala liza kusetyenziswa ngoJanuwari, uEpreli, Julayi no-Oktobha, umzekelo. Eliqela elilandelayo oza kusebenzisa ngoFebruwari, ngoMeyi, ngo-Agasti noNovemba.
Kungenxa yokuba kufuneka usebenzise ikhadi lakho lekredithi rhoqo ukuligcina elisebenzayo akuthethi ukuba ufanele uhambe kwi-spree.
Kubalulekile ukugcina imali yekhadi lakho lekhredithi ngokwemali onokuyihlawulela ukukhusela imeko apho unganakho ukuhlawulela ibhilikhwe yakho. Nika into into elula njenge-soda ukugcina ikhadi lakho lekredithi lisetyenziswa. Okanye, unokusetha ukubhaliswa kwenyanga ngenyanga njengeNetflix okanye i-Hulu ukuhlawulwa kwikhadi lakho lesikweletu ukuqinisekisa ukuba isetyenziswe rhoqo. Qaphela nje ukuba awuyikuyibeka kwaye uyakhohlwa. Unokuhlawula kwakhona iindleko zexesha eliqhelekileyo ngekhadi lakho lesikweletu uze uhlawule ikhadi lesikweletu kunye nemali oyayizisebenzisa ukuhlawula ibhilikhi. Qaphela ukuba iinkampani ezihlawula umrhumo wokusebenza ngokusetyenziswa kwekhadi lesikweletu ukuhlawula ibhilikhwe.
Ngaba Umthumeli Wakho Wekhadi Unokunika Isixwayiso Esingazange Sisebenzise?
Musa ukukhangela isilumkiso esivela kumniki-khadi wakho wekhadi apho i-akhawunti yakho iya kuvalwa okanye ukuba umsebenzi wakho we-akhawunti awuhlaziywa kwingxelo yakho yekhredithi. Kwimeko yokuvalwa kwe-akhawunti, ungayifumana ileta emva kokuba i-akhawunti ivaliwe. Kuba makhadi asebenze ngetyala, awufumani naliphi na isilumkiso malunga nokuba i-akhawunti ibikwa njani, okanye ingaboniswa, kwiivenkile zemali-mboleko. Ukuba ufuna ukwazi ukuba ikhadi lekhredithi elingasetyenziswanga liye lakhanselwa, unokuzama ukuthenga kunye nalo okanye ukubiza umnxeba wakho wekhadi lomthengi ukuba acele malunga nesimo sakho sekhadi lesikweletu.
Ukuba unamakhadi amaninzi ekhredithi ukuze ujikeleze, cinga ukuvala ezinye zazo. Hlalani nivulekile nayiphi na ikhadi lekhredithi elinomlinganiselo ophezulu (ubuncinci de uhlawula ibhalansi), umda wesikweletu esiphezulu (uyayifuna le nto ukusetyenziswa kwekhredithi yakho), okanye umvuzo omkhulu.