Imirhumo yonyaka yinye yeemali eziqhelekileyo zekhadi lekhredithi. Ingumrhumo ohlawulwa ngokuzenzekelayo kanye ngonyaka kwiakhawunti yakho yekhadi lesikweletu malunga neenzuzo eziza nekhadi lekhredithi. Imirhumo yonyaka, xa ihlawuliswa, isuka kwi-$ 25 ukuya kwii-500 zamaxabiso kuye kuxhomekeke kwikhadi lekhredithi. Ngokuqhelekileyo, ukuphakanyiswa kwemali yonyaka, ezininzi iinzuzo zekhadi lesikweletu.
Amakhadi Aqhelekileyo Ahlawulwa Ngama-Fee yonyaka
Akukho onke amakhadi ekwereta anemali yonyaka.
Amakhadi aqhelekileyo anomrhumo wonyaka aquka amakhadi enkokhelo yomvuzo, amakhadi okuthenga ngetyala, kunye namakhadi e-credit card.
Umrhumo wonyaka wandisa iindleko zokuba nekhadi lesikweletu. Ukuba uhlawula umrhumo wonyaka, qiniseka ukuba inzuzo oyifumanayo kwikhadi lakho lesikweletu lidlula iindleko. Umzekelo, ukuba umvuzo wakho wekhadi lesikweletu unomrhumo wonyaka, umvuzo owufumanayo kufuneka udlule umrhumo wonyaka. Ngaphandle koko, ukuba ikhadi aliluncedo.
Indlela Imali Yonyaka Ehlawulwa ngayo
Imali yonyaka ingaba yintlawulo yexesha elilodwa kwikhadi lakho lesikweletu ngeli xesha lithile lonyaka, ngokuqhelekileyo lijikeleze isikhumbuzo sekhadi lakho okanye ekuqaleni konyaka wekhalenda. Okanye, umrhumo wonyaka unokwahlukana kwaye uhlolwe rhoqo ngenyanga. Kuqheleke kakhulu kumakhadi ukuhlawula umrhumo wonyaka kanye ngonyaka.
Indlela yokuPhepha iMali yoNyaka
Amanqaku amaninzi amatyala ahlawulisa umrhumo wonyaka uyawulinda ngonyaka wokuqala. Emva komnyaka wokuqala, intlawulo ihlawuliswa ngokuzenzekelayo kwiakhawunti yakho.
Ukuba, emva komnyaka wokuqala, unqumle umrhumo wonyaka awufanelekanga, ungavala i-akhawunti. Ngaphambi kokuba wenze eso sigqibo, qinisekisa ukuba uhlola impembelelo kumanqaku akho okwereta kwaye uhlawulele nayiphi na imivuzo oye waqokelela.
Uyakwazi ukutshintshela kwenye ikhadi lekhredithi kunye nomnikezeli ofanayo, kodwa lowo ongenayo imali yonyaka.
Qaphela ukuba ngokuhlawula i-akhawunti yakho kungahle kulahlekelwe ezinye iinzuzo kwaye awukwazi ukufumana umvuzo ngezinga elifanayo. Okokuba ukuba ikhadi uyayichitha ukuhlawula umvuzo kuzo zonke. Nangona kunjalo, ngokudambisa, uye wagwema umrhumo wonyaka, onokuba ngcono ngexesha elide. Kwakhona, qinisekisa ukuba uhlawulele umvuzo wakho ngaphambi kokwenza nayiphi na inguqu kwiakhawunti yakho yekhadi lesikweletu ukuze uphephe ukulahlekelwa.
Amanye amakhadi ekhredithi anokuvumela ukuba ugweme intlawulo yonyaka ngokuhlawula inani elithile kwikhadi lakho lekhredithi ngamnye ngonyaka. Qhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ufumane indlela onokuyihlawula ngayo imali yakho yonyaka.
Utshintsho kwiNkcitho yakho yonyaka
Ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) uzimisele ukunyusa umrhumo wonyaka okanye ukuphakamisa okwangoku, bafunwa ngumthetho wasemthethweni ukukwazisa iintsuku ezingama-45 ngaphambi kokuba imali entsha yonyaka iphumelele. Unakho ukhetho lokugatya imali entsha yonyaka, nangona kunjalo, kufuneka uvale ikhadi lakho lekhredithi ukuba unquma ukuphuma. Cinga kanzima ngaphambi kokuphuma ngenxa yokuba ukuvala ikhadi lekhredithi kunokulimaza amanqaku akho.
Ngaba kufuneka ufumane iKhadi leMatyala nge-Fee yonyaka?
Ukuhlawula umrhumo wonyaka akuyona into embi, ngamanye amaxesha kuyimfuneko nje yokuba nekhadi lekhredithi oyifunayo. Kodwa kwakhona, qiniseka ukuba iinzuzo zekhadi zifanele ukuhlawula intlawulo.
Thelekisa ikhadi lakho kumakhadi athile eemali- mboleko ezivela kwezinye iikhupha zekhadi zekhredithi ukuqinisekisa ukuba ufumana into emnandi.