Umsebenzisi ogunyazisiweyo ufumana ikhadi lekhredithi egama lakhe kulo, kwaye unokusebenzisa le khadi ngokufanayo nokuba ngaba nguye umnini-akhawunti oyintloko. Zonke ezithengiweyo umsebenzisi ogunyazisiweyo wenza i-akhawunti efanayo kwaye avele kwisitatimende sekhadi lesikweletu.
Umsebenzisi ogunyazisiweyo wabelana nomda we-credit kunye nomnini-akhawunti oyintloko kunye nokuthenga kwakhe kuncitshiswe inani lemali-mboleko ekhoyo kubasebenzisi bobabini.
Ngokungafani nomnikazi weakhawunti , umsebenzisi ogunyazisiweyo akadingeki ukuba ahambe ngetekethi yekhredithi ukuze afakwe kwiakhawunti yekhadi lesikweletu. Ezinye iinkampani zekhadi zekhredithi zingahlawulisa umrhumo wongezelela abasebenzisi abagunyazisiweyo. Eminye imivuzo yamakhadi ekwereti anika ibhonasi ukuba ungeze umsebenzisi ogunyazisiweyo kwi-akhawunti yakho.
Ukongeza Umsebenzisi ogunyazisiweyo
Ukongeza umsebenzisi ogunyazisiweyo, qhagamshelana nomniki-khadi wakho wekhadi ngefowuni okanye ngokungena kwi-akhawunti yakho ye-intanethi. Umnikezeli wekhadi uya kufuna ulwazi lomntu ogunyazisiweyo lomsebenzisi, kuquka negama labo, idilesi, umhla wokuzalwa, nenombolo yokhuseleko loluntu, ukuqhuba isicelo.
Inkampani inokumisela umda kwinani labasebenzisi abagunyazisiweyo ongabongeza kwi-akhawunti yakho. Kwaye mhlawumbi kungcono kakhulu, njengokuba abantu abaninzi bachitha ukufikelela kwikhadi lakho lesikweletu, kunzima ukugcina umkhondo weentlawulo.
I-Pros and Cons
Umsebenzisi ogunyazisiweyo ufumana onke amalungelo ekhadi lokuthenga ngetyala lomnini-akhawunti oyintloko, kodwa akanakho uxanduva lomthetho ngokuthenga okwenziwa kwi-akhawunti. Ukuba kukho nanini umgwebo malunga namatyala kule akhawunti, umsebenzisi ogunyazisiweyo akayi kufakwa, nokuba loo mntu wayejongene nokuthenga.
Ukukhusela, abasebenzisi abagunyazisiweyo abakwazi ukwenza imisebenzi yokugcinwa kwe-akhawunti njengokongeza abanye abasebenzisi abagunyazisiweyo, ukutshintsha idilesi kwi-akhawunti, ukucela ukunyuswa komda wesikweletu, okanye ukuthethana nomyinge ophantsi. Abasebenzisi abagunyazisiweyo bangenza inkokhelo kwi-akhawunti, nangona bengenakufuneka.
Imbali Yembali Impembelelo
Imbali yekhadi lekhadi lekhredithi ingabonakalisa kwingxelo yemboleko yomsebenzisi ogunyazisiweyo, kodwa kuphela ukuba umniki wekhadi lokuthenga ngetyala unika ingxelo kwi-akhawunti yomsebenzisi we- credit . Kulungile ukuba i-akhawunti inembali efanelekileyo yokuhlawula, kwaye imbi ukuba ukuhlawulwa kwekhadi lesitaliti kunembali yeentlawulo ezikhawulezileyo. Ayikho enye imicimbi yembali yamatyala yomntu eya kubonakala kuyo nayiphi na yomsebenzisi ogunyazisiweyo okanye iingxelo zeentengo zemboleko zebhanki.
Ukuba i-akhawunti yomsebenzisi ogunyazisiweyo engabonakali kwingxelo yakho ye-credit, kukho ithuba elihle lokuba umniki wekhadi lokuthenga ngetyala, njengomgaqo-nkqubo, akabiki i-akhawunti yomsebenzisi ogunyazisiweyo kumaziko e-credit. Ukufowunelwa ngokukhawuleza kumthengi wekhasimende lomthengisi kunokukuxelela ukuba unokulindela i-akhawunti yomsebenzisi ogunyazisiweyo ukuba ibonise imbali yakho yematyala kunye neyiphi i-bureaus.
Emva kwe- subprime mortgage crisis ka-2007 , izibalo zamanqaku e-FICO zahlaziywa ukuze zinike ubunzima obuncinci kwi-akhawunti yomsebenzisi ogunyazisiweyo, kunye nokukhupha i-akhawunti yomsebenzisi ogunyazisiweyo yongezwa ngenzuzo yodwa yesikhokelo somvuzo.
Umzekelo, ukuba umntu uhlawula inkonzo yokulungisa ngetyala ngemali ye-akhawunti yomsebenzisi ogunyazisiweyo, izikolo ze-FICO aziyi kucinga ukuba i-akhawunti yokubala amanqaku emboleko.
Ukususa Abasebenzisi
Ukuqhawula ubuhlobo bomsebenzisi ogunyazisiweyo kubanzi kulula njengoko uqala. Khangela nje ukubiza umniki wekhadi lokuthenga ngetyala okanye ungene kwi-akhawunti ye-akhawunti ye-akhawunti oyintloko kwaye ucele ukususa umsebenzisi ogunyazisiweyo. Ikhadi lesikweletu lomsebenzisi liya kupheliswa kwaye abayi kusakwazi ukuthenga.