Nangona oku kunokuba kulungile kumntu ozama ukuphinda akhe amanqaku ekhredithi , i-Credit One Bank yenza ukuba abanini bamakhadi bahlawule ngokukhethekileyo "ilungelo". Ukuba ucinga ngeCredit One Bank Platinum Visa, thelekisa iimpawu zayo kwamanye amakhadi ukuze uqinisekise ukuba ufumana ingxaki efanelekileyo kwiimeko zakho ezikhethekileyo.
I-One Bank yasePlatinum Visa
Inkokhelo yeBhanki enye yenza imali kwaye ikhuphe umngcipheko ophathelene nokubonelela ngetyala kwiimali ezibolekayo ngokuhlawula imali. Iimali zonyaka ziguqukayo, kodwa ngexesha elidlulileyo, ziye zafika ku-$ 75 kule khadi kunyaka wokuqala kwaye zafika kuma-99 ngonyaka ngamnye emva koko. Ngaphezu koko, intlawulo yonyaka isetyala kwi-akhawunti yakho ngomhla ovulekileyo kwaye unciphisa ityala lakho elikhoyo ngaloo mali.
Umlinganiselo omncinci wesikweledu uya kuvunywa ukuba yi-$ 300. Ngoko ke, ngemali yonyaka, i-credit yakho yokuqala efumanekayo ingaba ngu-$ 225 kuphela. Ngamanye ama-akhawunti, intlawulo yonyaka ihlukaniswe kwiintlawulo ezilinganayo ezili-12 kunye neenyanga ezihlawulisiweyo, kunokuba ngonyaka, ngonyaka wesibini. Ngeke ukwazi ukuba yeyiphi indlela esebenzayo kwi-akhawunti yakho de uze uvunyiwe ngokufanelekileyo kwikhadi.
Iimali ezingaphezulu
Ukuba ungeze umsebenzisi ogunyazisiweyo kwi-akhawunti yakho, uza kuhlawuliswa imali eyongezelelweyo ye-$ 19 yaloo msebenzisi, kwaye ukuba ulahlekelwa ngumakhadi wakho uya kuhlawula i-$ 25 ukuze uthole ikhadi lokutshintsha.
Ipesenti yepesenti yonyaka (APR) ekuthengeni ixhomekeke kwingxelo yakho yekhredithi. Ukuba unemivuzo engcono yekhredithi, uya kuba nelungelo lokufumana inzala engaphantsi. U-APR ukwenzela ukunyuka kwemali iya kuba phezulu.
Ngokumalunga nenkqubela yemali, uya kufumana isakhiwo sentlawulo esithile malunga nokuhamba kwakho kwemali xa uvunyiwe.
Kukulungele ukuphepha ukunyuka kwemali ngaphandle kokuba uyazi intlawulo oyakuhlawulwa yona. Uza kufumana inkokhelo yemali ye-$ 5 ukuya kwi-10 kwixesha eliphambili, okanye umrhumo wepesenti ukusuka kwi-3 ukuya kwi-8 ekhulwini lephambili. Kwakhona, awuyi kufumana ukuba yeyiphi iirhafu ezisebenzayo kuwe uze ufumane imvume kwikhadi.
Ukuhlawulwa kwexesha elide kunye neentlawulo ezibuyiselwayo kubangelwa iimali ezingenani ezingama-35 zee-transaction. Kufuneka uqaphele ukuba ezinye i-akhawunti azikho ixesha lobabalo , oko kuthetha ukuba ukuthenga kwakho kuya kuqalisa ukufumana umdla ngokukhawuleza.
Ngeke ube nethuba lokuhlawula ngokupheleleyo kwaye ugweme inzala kwikhadi lesikweletu. Kodwa unako ukunciphisa umlinganiselo wenzala oya kuhlawula emalini akho ngokuhlawula imali ngokukhawuleza.
Inkokhelo yeBhanki enye ihlawulisa imali yokunyusa umyinge wemali-mboleko ukusuka kwi-$ 0 ukuya kwi-$ 49 ukuba umlinganiselo wakho wekhredithi wanda, nangona ungazange ucele ukunyuka komda. Le ntlawulo yemali ichazwe kwinguqu yakutshanje yemigaqo yamakhadi ekwereti.
Indlela yokusebenzisa i-Credit One Bank Platinum Visa
Musa ukwenza iphutha malunga nalo, i-Credit One Bank Platinum Visa yikhadi lekhredithi eliyingozi, ngakumbi xa unokufumana iindlela ezintle ezingcono ezikhoyo kwimarike. Lekhadi lekhredithi kufuneka ufumane kuphela ukuba awukho enye indlela kwaye awukwazi ukuhlawula idiphozithi kwikhadi lekhredithi elikhuselekile.
Kwikhadi elikhuselekile, jonga ngeminikelo yekhadi lesikweletu njenge- Capital One Secured MasterCard .
Oku akuyona ikhadi lekhredithi elinomdla-khadi, kwaye ukuba awuqapheli, ungayifumana umda wakho wesikweletu osetyenziswe ngawo onke amanani eemali ezihlukeneyo. Isebenza ngokufanelekileyo njengekhadi lesikweletu ongayisebenzisa ukuqala ukwakha imbali yentlawulo ukuze ukwazi ukufumana into engcono. Nangona kunjalo, ukuba awulungele ukwenza rhoqo, ukuhlawulwa ngexesha elifanelekileyo kwikhadi lesikweletu, awufumani le okanye nayiphi na ikhadi lekhredithi.
Ukulawula iKhadi Lakho Elifumanekayo
Ukuhlawula umrhumo wonyaka ngokukhawuleza ukukhulula i-credit card yakho esebenzayo. Ukuba ikhadi lakho alinaso ixesha lobabalo, hlawula imali yakho yonyaka nangaphambi kokuba i-statement yakho yokuqala ifike kwaye ngaphambi kokuba wenze nayiphi enye into ekuthengiweyo kwikhadi lakho.
Gcina ukuthenga kwakho ubuncinci, ngokukodwa ukuba unomlinganiselo omncinci wesikweletu.
Nenjongo yokuhlawulisa kuphela ipesenti ezingama-30 zomyinge wakho wemali-mboleko, eyi-$ 90 ukuba unayo umyinge we-300 wemali. Oku, kwaye ukuhlawula ngokukhawuleza ngekhadi ngexesha, kuya kunceda ukwakha amanqaku okuthenga ngetyala kwaye kugcine ukuphuma kwetyala.
ukuba ikhadi lakho lingenalo ixesha lobabalo, yenza iintlawulo zakho zenyanga ngethuba lenyanga nganye, nangaphambi kosuku olufunekayo ukwenzela ukuba ungagcini inzala ebhalansi engakhokhelwa.
Faka isicelo sekhadi lekhredithi elingcono emva kweenyanga ezintandathu ukuya kwezi-12 ngokusebenzisa le khadi ngokufanelekileyo. Emva kokuba uvunyiwe kwikharityhulam yekhredithi ngemigaqo engcono, vala i-Credit One Bank Platinum Visa kwaye ungalokothi ukhange emva.