Umgca wekhredithi kwi-akhawunti yakho yokujonga
Naliphi na imali oyisebenzisayo inikezelwa njengemali-mboleko ephantsi kwibhankini yakho, ngoko uya kuhlawula umyinge kwisixa olibolekayo.
Nangona kunjalo, imizila engaphezulu kwemali-mboleko idla ngokuncinci kuneenkqubo zokukhuselwa kwe-overdraft yendwendwe , ngokuqhelekileyo ihlawulisa i-$ 35 kwintengiso nganye ekhethiweyo.
Umgca weekhredithi we-creditre unikeza inketho enye yokukhusela i-overdraft, kodwa kukho ezinye iinqunto. Khumbula ukuba ukukhuselwa kwe-overdraft kuyimfuneko ngoko-ke akudingeki ukuba ungeze nayiphi na i-akhawunti yakho kodwa ibhanki yakho inokuhlawula iirhafu nokuba awuzange ukhethe ukungena kwi- postdraft coverage.
Iimali zokugcina ukuhlawula
Kuhlala kukulungele ukugcina umrhumo wekheshi kwi-akhawunti yakho yokujonga, kodwa ngamanye amaxesha iimpazamo kunye neentloni kukubamba kwaye zilungile ukuba nesicwangciso kwezo zimo. Ukuba i-akhawunti yakho yokutshekisha iyomile, isiphumo siya kuxhomekeka kwiintlobo zeerhafu ezibetha iakhawunti yakho kunye nendlela i-akhawunti yakho isetyenziswe ngayo.
Ukuthengiselana kwekhadi lokukhawulwa kwexesha elilodwa: Ukuba usebenzisa ikhadi lakho lokubambisa ukuthenga imihla ngemihla okanye ukukhishwa kwe-ATM, ibhanki yakho inokuthi ilahle umthengi ngokukhawuleza ukuba awuzange ukhethe ukungena kuyo nayiphi na uhlobo lokukhusela i-overdraft njengowomgca we-overdraft ngetyala, umzekelo.
Ngaloo ndlela, ungasebenzisa indlela eyahlukileyo yokuhlawula okanye uyenze ngaphandle. Nangona kunjalo, ukuba ukhethe ukungena kwindlela ethile yokukhuselwa kwe-overdraft, uya kusebenzisa le nkonzo.
Iintlawulo ezingagunyaziswanga: Iindleko eziphindaphindiweyo zenyanga ezithinte i-akhawunti yakho nge-ACH ziyakuthi zicutshungulwe ngebhanki yakho, nangona i-akhawunti yakho yokujonga ingenanto.
Kuloo matyala, uya kuhlawula umrhumo weemali ezinganeleyo , kwakhona, ngokuphindaphindiweyo malunga ne-$ 35, okanye uzakusebenzisa uhlobo oluthile lokukhusela i-overdraft.
Uhlolo: Ewe, abantu basabhala ukuhlola. Ukuba ubhala isheke malunga nemali engaphezulu kunokuba ikhona kwi-akhawunti yakho, ibhanki yakho inokuthi okanye ingavumeli ukuba isheke lihambe. Kwakhona, ukuba unesiqinisekiso sokukhutshwa kwe-overdraft rhoqo, siya kulukhusela isheke xa nje isixa semingcele. Ukuba akunjalo, ibhanki yakho inokuvumela isheke ukuba lihlasele, kubangele iindleko ezininzi kunye neentloko .
Izibango
Umgca we-creditreji we-credit-mboleko awubizi ngaphantsi kokukhutshwa kwe-overdraft yendabuko, kwaye ikuvumela ukuba ugcine uchitha kwiimeko eziphuthumayo. Kodwa kuyingozi ukuthembela nakuphi na uhlobo lokukhutshwa kwe-overdraft. Ibhanki yakho ekugqibeleni iya kukunqumla ukuba uyayisebenzisa kaninzi, kwaye uya kuhlawula ngaphezulu kwimirhumo kunokuba uyifunayo. Kungcono ukulinganisela i-akhawunti yakho , kwaye ubhalisele izilumkiso ukuze wazi ukuba uhlawule imali.
Iindleko: Imigcaqo yeekhredithi zemali-mboleko, ngelixa zingabizi, ayinanto. Uya kufuneka ukhokhe umdla kwimali oyibolekayo . Ukuba uboleka kuphela ngosuku okanye ezimbini, iindleko kufuneka zibe ziphantsi kakhulu. Kodwa unakho ukuhlawula umrhumo omncinci rhoqo xa udibanisa kumgca we-creditreji, ngoko ke xa uyisebenzisa kakhulu kuya kukubiza.
Umrhumo wenzalo nganye unokuba malunga neerandi ezintlanu. Ekugqibeleni, ezinye iibhanki zihlawulisa umrhumo wonyaka wenyameko wokugcina inkonzo kwiakhawunti yakho.
Imida: Ngokuqhelekileyo ayikho nayiphi na imida engqongqo kwixesha elingakanani ongasebenzisa umgca-mboleko we-creditreji, kodwa iibhanki zingakhathazeki ngabathengi abayisebenzisa rhoqo, kwaye ekugqibeleni banokuvala i-akhawunti yakho. Ngokuqhelekileyo umda we dollar kumgca wekhredithi ukukhusela ukuboleka kakhulu. Ngokuxhomekeke kwikhredithi yakho kunye nemfuneko enokwenzeka, unokukhusela i-creditdraw line line ye-$ 500 okanye i-$ 1,000, nangona ezinye iibhanki zinikezela imigca kunye nomda we-credit to $ 10,000.
Ezinye iindlela: Kwakhona, kukho ezinye iindlela. Ukuba umngcipheko wakho omkhulu uphelele ngokukhawuleza ngekhadi lakho lokukhwabanisa, unokuyeka ukukhutshwa kwe-overdraft. Ibhanki yakho iya kulahla ikhadi lakho, kwaye unokufumana enye indlela yokuhlawula.
Ibhanki yakho inokukuvumela ukuba umise ukudluliselwa kwi-akhawunti yakho yokulondoloza - endaweni yokuboleka imali yebhanki uza kusebenzisa imali yakho. Intlawulo yokudluliswa kwengxowa-mali iyafana ngokufanayo (unokuyibeka ukuze i-akhawunti yakho yokulondoloza isetyenziswe ngaphambi kokuba ubole kumgca wekhredithi).
Ukufumana i-Overdraft Line Credit
Ukubhalisela umgca we-creditreji, qhagamshelana nebhanki yakho. Qiniseka ukuba ubuze malunga nazo zonke iindlela, ezifana nokutshintshwa kwe-akhawunti yokulondoloza, kwaye uqhelanise nemirhumo. Xa kusekho kwi-akhawunti yakho, ukuyisebenzisa njengento encinci.
Umzekelo
Awunayo imali kwi-akhawunti yakho yokutshekisha, kodwa iindleko ezincinci ezincinane zithatha i-akhawunti yakho: i-$ 5, i-$ 6, kunye ne-7. Unifutshane nesamba esiyi-18. Ibhanki yakho inokuhlawulisa iintlawulo ezintathu zokurhweba kwe-overdraft ye-$ 35 nganye, enye yento nganye. Yiyo imali eyi-105 kwimirhumo yokukhupha i-$ 15 kwiintlawulo.
Ngomgca-mboleko we-credit, uboleka i-R $ 18 kumgca. Ibhanki ityala inzala kwimali mboleko ngezinga elifaniswa namakhadi-mboleko, kwaye mhlawumbi umrhumo ofana ne-$ 5 nganye into ehlanganisiweyo. Uhlawula imali mboleko kwiiveki ezimbalwa xa ikhokheji lakho lihlawula i-akhawunti yakho yokujonga. Iintlawulo zomdla zingase zibe ngaphantsi kweedola okanye enye inkokhelo efunekayo encinci yamabhaksi ambalwa, kwaye uya kuhlawula i-$ 15 kwimirhumo esikhundleni se-$ 105 njengoko unako ukukhuselwa kwe-overdraft.