Iakhawunti yakho yeKhadi yeMali ingavalwa ngenxa yokungasebenzi

Yintoni oyenzayo xa iKhadi leKhadi lakho likhutshwa

Xa uhamba iminyaka, okanye iinyanga, ngaphandle kokuhlawulisa nantoni kwi-akhawunti yakho, ungamangaliswa ukuba umniki wekhadi lokuthenga ngetyala unqande i-akhawunti. Umnikeli wakho wekhadi lesikweletu unelungelo lomthetho lokuvala iakhawunti yakho yekhadi lesikweletu njengoko kubona kuyimfuneko. Emva koko, ukuba uyayifuna, uya kuwusebenzisa, akunene?

Kutheni Ababolekisi bavala iiAkhawunti ezingasebenzi

Ukuvala ikhadi lakho lekhredithi elingasetyenzisiwe linika umniki-makhadi amandla okunyusa umda wokuthenga umboleko kumntu oya kuwusebenzisa.

Ngamanye amagama, umntu oza kwenza iindleko kwaye athathe inzala. Akuyena umntu; sisigqibo soshishino nje.

Umnikeli wakho wekhadi lokuthenga ngetyala unokukuxelela kwangaphambili ukuba ikhadi lakho lekhredithi liya kuvalwa. Abanye bavala i-akhawunti yakho kuqala, ngoko thumela ileta ekuxelela ukuba ivaliwe. Ngelishwa, ukuba nekhadi lesikweletu livaliwe, kwezinye iimeko, kunokulimaza amanqaku akho .

Yisiphi i-Inactivity Cancellations Yenza kwi-Score yakho yeMali

Okokuqala, ukusetyenziswa kwakho kweentengo zekhredithi jikelele kunokunyuka, kuxhomekeke kwibhalansi kumakhadi wakho ekwereta. Ukusetyenziswa kwesikweletu sakho sisilinganisi sekhredithi yakho esetyenziswayo kunye nokubala i-30% yemali yekredithi. Xa ikhadi lekhredithi livalelwe, loo mda wesikweletu awusayi kuqwalaselwa kwi-credit card yakho. Ngoko ke, ukuba unokulinganisela kuzo zonke ezinye iikhadi lamatyala, ukusetyenziswa kwakho kwanda.

Ngokomzekelo, ukuba unayo i-$ 3,000 kwiitaliti yekhadi lesikweletu kwaye u-$ 5,000 umyinge wemali, umda, ukusetyenziswa kwakho kwetyala kuya kuba ngu-60%.

Ukuba ikhadi lekhredithi elinomda we-$ 1000 livalwe, ukusetyenziswa kwakho kwetyala kuya kufikelela ku-75%. Ukusetyenziswa kwekhredithi ephantsi kwe-10% kulungile, nantoni na engaphezulu kwama-30% kakhulu.

Unokunciphisa umphumo wekhadi lesikweletu elivaliweyo ngokuhlawula ezinye iitaliti zamatyala ekhredithi okanye ngokucela ukunyuka kweemali zesikweletu ukusuka kwabanye abakhupha amakhadi enkokhelo .

Umnikeli wekhadi uya kuqwalasela umlando wakho wekredithi , ixesha ukusuka kwenyusa ukugqibela, ingeniso yangoku, kunye nezinye iimeko zokugqiba ukuba ngaba ukwandisa umda wakho wesikweletu. Ukuba unekhadi lekhredithi yokudibanisa , umlando wekhredithi kunye nabanye umcimbi uya kuqwalaselwa.

Nangona kuye kwaxelwa ngokubanzi ukuba ikhadi lekhredithi elivaliweyo libuhlungu inkokhelo yakho ngokunciphisa ixesha lakho lokuthenga ngetyala, akunjalo ngokupheleleyo, kungekho ubuncinane. Ngethuba nje i-akhawunti ibonakala kwingxelo yakho yebhanki, isabonakaliswa kumanqaku akho ekhredithi. Kuze kube yilapho i-akhawunti iyancipha ingxelo yakho yekredithi (malunga neminyaka eyi-10) ukuba ixesha lakho lokuthenga ngetyala lingathinteka-ingakumbi ukuba likhadi lakho lekredithi elidala.

Yintoni Ongayenza Ngayo

Ukuba ufumanisa ikhadi lakho lekhredithi likhanselwa ngenxa yokungasebenzi kwaye ikhadi ofuna ukulivula, biza umniki wekhadi lakho lesikweletu kunye nesicelo sokuyigcina. Ukunikezela ukwenza ukuthenga kwi-akhawunti ngokukhawuleza ukuba utshintshwe kwakhona.

Awukwazi ukukwazi ukukhupha umniki-mvume ukuba avule kwakhona ikhadi lekhredithi elivaliweyo, kodwa unako ukufumana umda wekhredithi uhanjiswe kwelinye ikhadi lekhredithi kunye naloo mnikeli, ukuba unayo. Ngoxa le nto ayiyi kuphelisa ukulahlekelwa kwamatyala ekhredithi ngenxa yobudala besikweledu, kuya kukunceda kwindawo yokusetyenziswa kwetyala .

Khusela ukuvalwa kweKhadi leKhadi elingasebenzi

Unokuthintela ukungasebenzi ukukhansela ngokusebenzisa ikhadi lakho lekredithi ngezikhathi ezithile. Yenza inkokhelo encinci kwikhadi lakho lesikweletu rhoqo kwiinyanga ezimbini ukuya kwethathu kwaye uyihlawule ngokugcwele xa ufumana ingxelo.