Amakhadi eDeveli kunye neeFICO izikolo
Xa kuziwa kumanqaku ekhredithi ye-FICO, impendulo ayikho.
Umlinganiselo we-FICO ngowona mvuzo obaluleke kakhulu kwiimali-mboleko ezinkulu njengemali yokubolekwa kwemali, iimali-mboleko zemali, kunye namakhadi amaninzi. Eli nqanaba kufuneka libe yinto ephambili yakho njengoko ukwakha isikweletu, kodwa kukho amanye amanqaku esikweletu apho. Ngokubhekiselele kwi-FICO, iindlela zokuphucula amanqaku akho zemali ziquka:
- Bhatala iindleko zakho ngexesha
- Ukuboleka ngokumodareyitha
- Yiba nembali yokuboleka (engcono kakhulu)
- Sebenzisa iindlela ezahlukeneyo zemboleko, kwaye
- Musa ukukhawuleza amatyala ngokukhawuleza
Ukufumana iinkcukacha ezingaphezulu malunga nendlela yokuhlangabezana nale miqobo, funda malunga neengxenye zeFICO.
Ikhadi lokuTyala njenge-"Credit" Transaction
Amakhadi e-Debit asebenzisa imali kwi-akhawunti yakho yebhanki, ngoko ke akukho mboleko inxaxheba (ngaphandle kwembalwa, imali-mboleko yexeshana enokuthi ibe yinxalenye yomgca-mboleko we-creditdo ). Ngakolunye uhlangothi, amakhadi ezitalato, ngokuqinisekileyo ahlawulwa ngemali-ke ayenokuchaphazela ikhredithi yakho kwaye anokukunceda ukwakha inkokhelo.
Kuthekani ukuba ukhetha "ikhredithi" xa usebenzisa ikhadi lakho lokubambisa kumthengisi - ngaba iya kwenza ukuba ikhadi lakho lokubambisa lisebenze njengekhadi lesikweletu?
Ukukhetha "i-credit" ayitshintshi apho imali ivela khona (i-akhawunti yakho yasebhanki). Kunoko, kuthinta kuphela indlela ukuthengiselana kuqhutyelwa ngayo (ngamanethiwekhi okucwangcisa amakhadi ekhredithi). Ukukhetha "isikweletu" akusayi kuchaphazela i-credit card yakho.
Eminye imivuzo yeMatyala
Nangona umlinganiselo weFICO ngowona mgangatho obaluleke kakhulu wekhredithi, amanye amanqaku ayandiswa ngokubanzi kwizigqibo zokuboleka imali - ngakumbi kubantu abakwimakethe yokwakha.
Akunakwenzeka ukuba uza kufumana umboleko wekhaya ngenye yala manqaku, kodwa unokukunceda ukufumana iimali-mboleko ezincinci - ezithwala amatye endleleni eya kwimbali ethe ngqo.
Ngamanye amanqaku eentengo zemboleko, kuyacatshulwa ukuba ukusebenzisa ikhadi lakho lokubambisa liya kuthintela "i-credit" yakho. Noko kunjalo, umphumo unokungabonakali ngqo. Oko kukuthi, amanqaku amaninzi okuthenga ngetyala akhangele uxanduva loxanduva lwezezimali jikelele; Bafuna ukubona ukuba unokuphepha ukukhupha i-akhawunti yakho yokukhangela kwaye uphile ngendlela yakho. Ukuchitha imali kakhulu (nokuba uyaswayipha ikhadi lakho lokubambisa , bhala isheke, okanye ufumane imali kwi-ATM) kuza kubangela iingxaki: ekugqibeleni uza kugqithisa ukuhlolwa kwaye ungakwazi ukuhlawula iindleko ezibalulekileyo njengezibonelelo zeebhendi.
Amanye amanqaku ekrejethi awajongi indlela osebenzisa ngayo ikhadi lakho lokubambisa, kodwa banokujonga izinto ezifana neentlawulo zombane, iintlawulo zentlawulo, kunye neentlawulo zefowuni. Ukubukeka kakuhle phantsi kweenkqubo, uya kufuna imbali yeentlawulo eziqhubekayo (kunye nexesha-njalo). Uzakubhenca kuphela ukuba unako ukulawula i-akhawunti yakho yokutshekisha, ngoko ke ikhadi lakho lokukhawuleza libandakanyeka ngqo.
Ukongezelela ekuhlawuleleni iindleko ngethuba, kubalulekile ukuphepha ukuhlolisisa i-checks-nokuba ngaba umvuzo wakho (ilungu losapho okanye umhlobo, umzekelo) akabiki nayiphi na i-arhente ye-credit.
Ezinye izigqibo "zokuncedisa" zingenziwa ngokusekelwe, ngokukodwa, ngokujonga ingxelo yakho ye- ChexSystems (apho ibhanki isebenzisa ukulandelela ukuhlola okubi). Ngaphezu koko, ukuhlolwa okubi kungagqitywa kwii-arhente zokuqokelela, kwaye ezo matyala ziya kubonakala kwiingxelo zemveli zentengo (kunye nomonakalo wakho kumanqaku e-FICO).
Kuthiwani ngekamva? Kungenzeka ukuba izikolo zekhredithi ze-FICO ziya kutshintsha. Ngexesha elithile, i-FICO ingaquka ukusetyenziswa kwekhadi lokudibanisa kwimodeli yokulinganisa imali. Abantu abaninzi bancike kwiakhadikhadi, mhlawumbi ngenxa yokuba bafuna ukuphepha ukuboleka ngetyala, kwaye ngenxa yokuba abanakukwazi ukufumana ikariti yekhredithi. Ngoko, kukho esinye esinye isizathu sokusebenzisa ikhadi lakho lokubambisa ngokuhlakanipha.