Amanye ama-akhawunti kunye nebhanki elifanayo, nokuba i-akhawunti yokujonga okanye i-akhawunti yemboleko, inokuchaphazela ukuma kwekhadi lakho lesikweletu. Ngoko kubalulekile ukugcina ukuma okuhle kunye nazo zonke iakhawunti zakho.
Yintoni eyenzekayo Xa Ulahleka kakuhle
Ukugcina isimo sakho esihle kukuvumela ukuba ujabulele amalungelo kunye neenzuzo zeakhawunti yekhadi lakho lesikweletu, umz. Ukuthenga ukufikelela kumda wakho wesikweletu, ukuhlawulela umvuzo wesikhadi lesikweletu, njl. Nangona kunjalo, xa ulahlekelwa ukuma kwakho okuhle, kwaye kunokwenzeka ngezinye izikhathi kunye ukuhlawulwa kwexesha elilodwa, uya kuba nemiphumo emibi.
- Imirhumo ifakwe kwi-bill yakho , umzekelo, ukuba unomncinci omnye ngosuku ekuhambeni kwekhadi lakho lokuthenga ngetyala okanye ukuhlawulwa kwakho kuncinci kuncinci.
- Umlinganiselo wakho wekhredithi uncitshiswa ngenxa yeentlawulo ezikhawulezileyo okanye kunye nezikali eziphezulu kwamanye amakhadi-mboleko. (Ukuba nomda we-credit limit wehliswayo akuthethi ngaso sonke isikhathi i-akhawunti yakho ayikho imeko efanelekileyo.
- Inzala yakho yenzalo emva kwentsuku ezingama-60 ihlambela kwiintlawulo zekhadi lakho lekhredithi. Qaphela, xa isantya sohlwayo siphuhliswa, sinokufaka isicelo esingapheliyo ngokuthenga okutsha kwi-akhawunti yakho.
- Imiphumo yakho ilahlekelwe emva kokulahleka inani elithile leentlawulo, ezichazwa ngumkhupheli wekhadi lesikweletu. Ezinye iiprogram zembuyekezo zingabuyisela umvuzo wakho emva kokuba ulungise i-akhawunti yakho. Abanye balahlekelwa loo mivuzo efunyenwe ngaphambili.
- Ukuhlawulwa kwamalungelo kunqunyanyiswa ixesha elide de kube nekhadi lakho lekhredithi libuyele kwindawo emihle.
- I-akhawunti yakho ingavalwa ukuba uhlala ufikelele kwiintlawulo, usuke ukhulula kakhulu kwiintlawulo, okanye uvumele ikhadi lakho lekrediti lihlale lihleli ixesha elide kwiinyanga eziliqela. Xa i-akhawunti yakho ivaliwe, kuya kufuneka ukuba ufake isicelo esitsha. Nangemva kokuba i-akhawunti yakho ivaliwe, iintlawulo zakho zenyanga rhoqo ziyafuneka.
Kwenziwe ntoni
Ukuba unengxaki ngeakhawunti yakho, umzekelo, ukuthengwa kwekhadi lakho lokuthenga ngetyala kungenakulindelwa okanye umvuzo wakho awufumaneki, okanye ubona umrhumo ongachazwanga okanye ukwanda kwezinga lentengo, qha ga mshelana nomniki-khadi wakho wekhadi ukufumana oko kwenzeka. Ukulungisa isenzo esingalunganga kunokubuyisela amalungelo akho kwiakhawunti ukuba i-akhawunti yakho ayizange ilahlekise.
Akukhona nje ulwalamano lwakho kunye nomnikeli othile wekhadi lokuthenga ngetyala (credit card) ojongene nawe xa ulahlekelwa ngumgangatho wakho wekhadi lokuthenga ngetyala. Izenzo ezithile zibeka ingozi yakho kwiprofayili. Ngokukodwa, ukuba unemihla engaphezulu kweentsuku ezingama-30 ekupheleni kwekhadi lakho lokuthenga ngetyala, ukungena okungenayo kwenziwa kwirekhodi yakho yemali. Ngenxa yoko, umlinganiselo wakho wekhredithi unokuthi ulahle. Ubugqwetha obunzulu obunokuba yiintsuku ezingama-90 ezidlulileyo okanye ngenxa yokuhlawulwa kwemali kunokubangela ukuba abanye abathumeli bekhadi bekhredithi baqwalasele ubuhlobo babo bezezimali kunye nawe.
Ukugcina ikhadi lakho lekredithi ngokuma kakuhle kubalulekile ukugcina amanqaku amanqaku amatyala . Imbali yeakhawunti yakho isebenza ngento nangona ukuma kwakho okwangoku kulungile. Ngokomzekelo, ukuba ungasemva kwiintlawulo zakho, isaziso sokugqibela sifike nge-akhawunti yakho kunye neengxelo zakho zemali (iminyaka eyisixhenxe ukusuka ngomhla wobugqwetha) nangemva kokubanjwa kwiintlawulo zakho. Abaniki bamakhadi bamatyala banokunciphisa ukunyuka kwemali yemali okanye ukunyuka kwamazinga okunciphisa izicelo ngokusekelwe kwiimpazamo zakho zexesha elidlulileyo.