Kwinqanaba elithile ngethuba, ingxelo yakho yekredithi ibonisa ibhalansi yokugqibela yekhadi lesikweletu elibikwe ngumniki-khadi wakho wekhadi. Ngenxa yexesha lokuhlaziywa kweengxelo zemboleko, le bhayali ingabonakali ibhalansi yangoku kwikhadi lakho lesikweletu kwaye ingxelo yakho yekredenti ibonakale ukubonisa ibhalansi engalunganga.
Ukulinganisela kwamanqaku ekhredithi kubhalwa kwiivenkile zemboleko
Kuyo yonke umjikelo wakho wekhadi lokuthenga ngetyala, ibhalansi yakho yekhadi lesikweletu iguqula ixesha elininzi njengoko iintlawulo, iikhredithi, ukuthenga, iintlawulo kunye nomdla kufakwa kwi-akhawunti yakho.
Umnikeli wakho wekhadi lokuthenga ngetyala akuxeli imali yakho yekhadi lesikweletu kwiimali zentengo yemboleko imihla ngemihla, ngoko ukuguqulwa kwemihla ngemihla kungabonakali kwingxelo yakho yekhredithi.
Uninzi lwabaxhasi bekhadi lokuthenga ngetyala (credit card issuers) libika kuphela ibhalansi yekhadi lakho lesikweletu ekupheleni komjikelo wakho wokuhlawula Le nto iya kuba ibhalansi ebonisa kwisitatimenti senkokhelo sekhadi lesikweletu. Loo mali uya kubonisa kwingxelo yakho yekhredithi ngosuku ngalunye de luhlaziywa kwakhona ekupheleni komjikelo wokuhlawula olandelayo.
Ukuba uthe wenza nayiphi na intlawulo okanye ukuthenga ukususela kumhla wokuphela komjikelo wokugqibela wokuhlawula, ibhalansi kwingxelo yakho yekhredithi ayiyi kuhambelana noko ubonayo xa ungena kwi-akhawunti yakho yekhadi lesikweletu kwikhompyutha, umzekelo. Enyanisweni, kwenzeke ntoni ukuba ibhalansi yekhadi lesikweletu kwirekhodi yakho yekhredithi ayizange ihlaziywe okwamanje.
Fumana ingxelo yakho yekredithi ukubonisa ibhalansi "elungileyo"
Ukuba ne-balance balance ukubonisa kwingxelo yakho yekredithi, kufuneka uhlawule ikhadi lakho lekhredithi ukuya kuloo mali, uze ulinde de emva kokuphela komjikelo wakho wokuhlawula ukwenza nayiphi enye intengo ngekhadi lakho lesikweletu.
Gcina ukhumbule ukuba iimali zentlawulo zifakwe kwi-balance balance yakho ekupheleni komjikelo wokuhlawula. Oku kunokuchaphazela imali omele uyihlawule ukuze ufumane ibhalansi kwixabiso elifunwayo.
Ibhalansi ephezulu kwiNgxelo yeMali
Ukongeza kwinqanaba lakho lokugqibela lokukhawulwa kwekhadi lesikweletu, ingxelo yakho yekredithi ibandakanya "ibhalansi ephezulu." Le ibhalansi ibhalansi ephezulu echazwe kwii-credit bureaus kule akhawunti yekhadi lesikweletu.
Ibhalansi ephezulu ihlala enye enye inyanga ngaphandle kokuba ibhalansi ephezulu yekhadi lesikweletu ibikwe. Nangona abanye ababolekisi nababolekisi bangabandakanya ibhalansi ephakamileyo kwinqanaba lokuvavanya kwe-creditworthiness yakho, le mali-mali ayifakiwe okwangoku kwi-credit score.
Kutheni ibhalansi efanelekileyo yekhadi lesikredithi ibalulekile
Okwesibini kubaluleke kakhulu ekubaleni umlinganiselo wakho wekhredithi ngumyinge wetyala, ngokukodwa, umlinganiselo wemilinganiselo yekhadi lakho lekhredithi kwimingcele yekhredithi. Ukuba ingxelo yakho yekhredithi ibonisa izilinganiso eziphezulu kwiikhadi lakho lekredithi umlinganiselo wakho wekhredithi unokubandezeleka. Ukuba izilinganiso zamakhadi wakho zekhredithi azichanekanga, umlinganiselo wakho wekhredithi unokuthi ube ngaphantsi kunokuba kufanelekile.
Indlela yokulungisa ibhalansi yekhadi lokuthenga ngetyala
Ukuba ibhalansi yakho yekhadi lesikweletu ayilunganga kakuhle, umz. Uhlawule ibhalansi yakho kwinyanga ezimbalwa ezedlule kwaye ingxelo yakho yekhredithi ayibonakali oko, ungathumela ingxabano yengxelo yekhredithi ukuba inkampani yekhadi lokuthenga ngetyala ikhawuleze.