Umthetho waseSweden uvumela abathumeli bekhadi lokuthenga ikhredithi ukuba bagxininise inzala yesitya xa unokuba ngaphezu kweentsuku ezingama-60 uhlawule kwi-credit card yakho. Njengoko igama libonisa, luhlobo lwesigwebo sokuhlawulwa kwekhadi lakho lekhadi lesikweletu. Ulahlekelwa ngumyinge wenzalo okwangoku uyanandipha, nokuba ngaba lizinga lokukhushulwa , kwaye iintlawulo zakho zezemali ziya kubalwa phantsi kwesantya esiphezulu kakhulu sesigwebo seenyanga ezintandathu.
Umhla wokuhlaselwa kwemihla engama-60 ubugqithise ngakumbi kunoshishino oluqhelekileyo ukususela kwiminyaka embalwa edlulileyo xa abakhishwe ngamakhadi ekhredithi banako ukwenza isigwebo sohlwayo emva kokuhlawulwa kwentlawulo enye. Ixesha elongeziweyo lobugqwetha phambi kokuba inqanaba lesohlwayo linokumiselwa ngumnye wemboleko yomthengi wekhadi lokuthenga ikhredithi equlethwe kuMthetho we- Credit CARD Act ka-2009 .
I-Loop kuya kwiNqanaba leNyanga yeTyala leNyanga ezi-6
Isilinganiso sohlwayo asiyi kuhlala ngonaphakade njengoko kwenzayo kwiminyaka edlulileyo. Abathumeli bekhadi kufuneka banciphise umrhumo wakho wezahlwayo kwizinga lentlawulo rhoqo emva kokuba wenze iintlawulo ezintandathu ezilandelelanayo ngexesha elifanelekileyo, kodwa oko kusebenza kuphela kwibhalansi ekhoyo xa i-penalty rate isetyenziswe. Ayisebenzi kwiintengo ezenziwe emva kokuba isantya sohlwayo siphumelele. Abanini bamakhadi abaninzi bekhredithi bagcina ixabiso lesohlwayo sokuthenga okutsha kwaye baqhubeka bejezisa ngenxa yephutha leenyanga ezimbini emva kokuba usebenzisa le khadi.
Funda amaphepha akho ekhadi lesikweletu (efunyenwe kwiwebhusayithi yakho yomthengisi wekhadi lesikweletu, efumaneka kwisicelo, okanye kwiSiseko seSiseko seSiseko sekhadi lesikweletu) ukuze ufunde isamba sakho sohlwayo nokuba ngaba umkhishi wakho wekhadi uyishiya ukusebenza ngokutsha. Icandelo elibhaliweyo "Isilinganiselo sakho sohlwayo kwaye xa sisebenza" siya kucacisa ukuba kusebenza ukuba ingaba isamba sakho sohlwayo singasetyenziswa ngonaphakade.
Qinisekisa ukuba uyaqonda ukuba yintoni eyenza ixabiso lesigwebo, umz. Ukuhlawula ngokukhawuleza, ukuhlawula ukuhlawula, ukuhamba ngaphezu komda wakho wesikweletu okanye zonke ezi ngasentla. Ukuba unamakhadi amaninzi ekwereta okanye uboleka imali kunye nomboleki omnye, ukuhlaziya enye yezo ngxelo kungabangela izinga lokuhlawulwa kwenye i-akhawunti yakho. Qaphela ukuba abakhupheli bekhadi-mboleko abasayi kuvunyelwa ukuphakamisa izinga lakho ngokusekelwe kwizenzo zakho ngeakhawunti kunye nabanye ababolekisi nabathengi (lo mkhuba wawubizwa ngokuba yi- default ).
Iimali ezihlawulwa kwiiNkundla eziMali eziKhulu
Nazi izigatshana zerhafu ezivela kumabhonki amakhredithi amancinci ambalwa (ngoNovemba 2013):
I-American Express: Ukuba isicelo se-APR sisetyenziswe, siya kusebenza ubuncinane kwiinyanga ezintandathu. Sihlaziya iAkhawunti yakho emva kweenyanga ezi-6 emva kokuba i-APR ihlawulwe. Umgwebo we-APR uya kuqhubeka ukufaka isicelo emva kokuba wenze iintlawulo ezifike ngexesha, ngaphandle kokuhlawulwa kweenyanga ezi-6. I-Aphosti ye-APR iya kusebenza kwiibhalansi ezikhoyo kuphela ukuba intlawulo ingaphezu kweentsuku ezingama-60.
Ibhanki yaseMelika: Ukuba i-APR yakho iyenyuka, i-Apho yomGaqo iya kusebenza ngokungapheliyo. I-PAL yakho ye-APR ayiyi kudlula i-29.99% kwimicimbi entsha. Akukho Phulo lwe-APR kwimali ekhoyo.
Inkunzi yokuqala: Ukuba i-APRs yonyuswa ukwenzela intlawulo esele ifike emva kwexesha, i-Aphosti ye-APR ingafaka isicelo esingapheliyo. I-Capital One iya kuhlaziya ngokukhawuleza nayiphina izinga lokunyuka kwi-akhawunti yakho ngenqanaba lokunciphisa izinga.
Chase: Ukuba ii-APR zakho zinyuswe ngenxa yezi zizathu, iNkundla ye-APR iya kusebenza ngokungapheliyo. Izizathu zikwahluleka ukwenza inkokhelo encinci ngexesha, ngaphezu kweentlawulo zakho ezincinci (xa kusebenza), ukuba inkokhelo ibuyele, okanye yenza nayiphi na yalezi zinto kunye ne-akhawunti yeCorse.
I-Citi: Ukuba i-APR yakho iyakwandiswa ngenxa yezi zizathu, i-Aphos APR iyafaka isicelo ngokungapheliyo. NgeCiti, izizathu zesantya sohlwayo zihlawulwa emva kwexesha okanye zibuyiswe.
Qaphela: Akukho nqanaba lohlwayo lokuba lifumane amakhadi
I-PenFed inezinye izigatshana ezivulekileyo ze-APR: Ukuba i-intlawulo yakho encinci ayitholakali zingadlulanga iintsuku ezingama-60, i-akhawunti yakho yonke iya kutshintshela kwi-Penalty Penalty APR.
I-Aphosti yePAR iya kuhlala ikhona kuze kube yilapho yenza iintlawulo ezintathu zenyanga ngokulandelelana okanye phambi komhla wokugqibela.
I-IberiaBank kunye ne-Wells Fargo ayibhale phantsi i-Apho yomGaqo-mali kwiimvumelwano zekhadi lamatyala.
Ukuba Ufumana I-Penalty Rate engapheliyo
Ukuba ubeka isantya sexabiso kwikhadi lekhredithi elilishiya ngokusisigxina, qaphela ukuba zonke izinto zakho zokuthenga ezitsha ziya kuhlawulwa inzala kwi-APR ephakamileyo, nangona emva kwentlawulo yesigwebo iphelelwa yisixa sakho sokugqibela. Iindleko zakho ezintsha ziya kuba neendleko eziphezulu kakhulu zeemali kwaye kuya kuba kubiza ukuhlawula. Oku kuthetha ukuba uza kuthwala izilinganiso ngeerhafu zenzalo ezahlukileyo kwaye iintlawulo zakho ziphantsi kwemiqathango yokwabiwa kwentlawulo . Iintlawulo ezincinci ziya kufikelela kwibhalansi kunye nomyinge wezinga eliphantsi. Iintlawulo kuphela ngaphezu komncinci ziya kunciphisa ibhalansi yezinga eliphezulu.
Ukuba isantya sohlwayo sisoloko siseduze ne-30%, kwaye ngamanye amaxesha aphezulu, ukudala izilinganiso ezitsha phantsi kwelo nqanaba lenzalo alumkileyo ngaphandle kokuba uceba ukuhlawula ibhalansi yakho ngokupheleleyo nyanga zonke.
Qinisekisa ukuba uyazi ukuba zeziphi izenzo eziya kubangela isantya sohlwayo ukuze ubaleke ukuba ubekwe kuyo yonke into, nokuba iphela emva kweenyanga ezintandathu kwikhadi lakho lesikweletu. Kwiakhadi zekredithi ezingenayo inqanaba lesohlwayo, qaphela ukuba kunokukho iimali zokugweba endaweni yoko, umz. Umrhumo wentlawulo emva kwexesha, ongathandekiyo.