Njengoko ufumana amakhadi amatyala amatsha okanye uqala ukuhlawula ityala kwaye unqande ukusetyenziswa kwekhadi lokuthenga ngetyala, ezinye zeakhadi zamatyala zakho zingasetyenziswanga. Ngaba kukufanelekile ukugcina amakhadi enkredithi okanye ufanele uvale amakhadi angekhethi angasetyenziswa?
Umgcini wakho weCreditor angakuvala iKhadi lakho leKhadi elingasetyenzisiweyo
Abaninzi bamakhadi okuthenga ngetyala ngamakhadi asematyala angasebenziyo emva kokuba amakhadi sele ehleli ixesha elithile. Ixesha lihluka ngumniki wekhadi lokuthenga ngetyala, kodwa emva kweenyanga ezili-12 ezingenakusetyenziswa, kukhuselekile ukucinga ukuba ikhadi lakho lekhredithi lisengozini yokuvalwa.
Ukuba awufuni ukuba oko kwenzeke, kufuneka usebenzise ikhadi lakho lekredithi ubuncinane kanye nekota ukuze uhlale usebenza kwaye uvule.
Iimali zeeKratshi ezingasetyenziswanga ziyakwazi ukuphakamisa amanqaku akho kwiKharithi
Amakhadi ekwereta athatha indima enkulu ekuncedeni ukwakha amanqaku amatyala entle . Ikhadi lesikwerethi elinomlinganiselo omkhulu wekhredithi ekhoyo inokunceda ekuphuculeni umlinganiselo wakho wekhredithi ngenxa yokunciphisa ukusetyenziswa kwekhredithi yakho - umlinganiselo wemilinganiselo yekhadi lakho lesikweletu kumlinganiselo weentengo zemali. Ukuba uvala ikhadi lekhredithi kunye nekhredithi ekhoyo, inokulimaza amanqaku akho.
Ubudala bentengo ngenye into ebangela ukuba kuqhutywe xa ucinga ukuba ufuna ukuvala ikhadi lekhredithi elingasetyenziswa. Ukuba neakhawunti endala kwingxelo yakho yekhredithi inceda amanqaku akho ekhredithi kuba ibonisa ukuba unamava amaninzi ngekhredithi. Iingxowa-mboleko zemali-mboleko ziza kuxela amakhadi e-credit card ngokuma kakuhle malunga neminyaka eyi-10, ngoko ke thabathe ukuba ucingisise xa usenza isigqibo sokuba uvale ikhadi lekhredithi.
Vala i-Credit Card engasetyenzisiwe Uvule nje ukufumana i-Discount 10%
I-plot yezinto ezithandayo zokuthengisa ezithengiswayo zokufumana iimpawu zekhadi lesikweleti isaphulelo sokuqala ekuthengeni. Ungabhalisela enye yale makhadi amakhadi ukuze ufumane isaphulelo, nangona ungafuni ngempela ikhadi lekhredithi. Ukuvala enye yale makhadi amakhadi ayiyi kubangela umonakalo omkhulu kumanqaku akho.
Ngaphezulu, amakhadi ekratshi eentengiso , ngakumbi abo abangabandakanyekanga kunye nabaniki bamakhredithi abakhulu, ngokuqhelekileyo akuzona iikhedi zokuthenga ngekhredithi ezingcono kwi-wallet yakho.
Vala i-Credit Card engasetyenzisiweyo enokukubiza kodwa engakuzuzi
Xa ushiya ikhadi elivulekileyo lekhredithi kunokunceda umlinganiselo wakho wesikweletu, akusoloko kulungele ukushiya amakhadi avulekileyo. Umzekelo, ukuba unayo ikhadi lekhredithi elingasetshenziswanga elikuhlawula imali yonyaka , kufuneka uyisebenzise okanye uyivale. Ukuhlawula imali kwikhadi lesikweletu ongeyisebenzisi yinkcitho yemali.
Futhi Vala I-Credit Card engasetyenzisiweyo engeyona into enhle njengabanye kwi-Wallet yakho
Yintoni ebaluleke ukuba " amaninzi amanqaku amakhadi " angahluka ukusuka kumntu omnye ukuya kwesinye. Asazi inani elichanekileyo lamakhadi-mboleko enokulungelelanisa amanqaku akho. Kodwa, ukuba amakhadi enkokhelo ayinakuxanduva, ukuvala abo ongayisebenzisiyo kuya kwenza kube lula ukugcina iimali zakho kumzila.
Amanyathelo okuVala iikhodi zakho zeMatyala ezingasetyenzisiweyo
Ukuba ekugqibeleni ugqiba ukuvala ikhadi lekhredithi elingasetshenziswanga, kukulungele ukuhlawula kuqala ibhalansi. Emva koko, biza umniki wekhadi lakho lesikweletu kunye nesicelo sokuba ikhadi lekhredithi livaliwe. Unokuyilandela ngencwadi ephinda uvakalise umnqweno wokuvala ikhadi lakho lesikweletu. Kwiinyanga ezimbalwa, khangela ingxelo yengxelo yekhredithi ukuqinisekisa ukuba ikhadi lekhredithi libiwe livaliwe.