Konke Okufuneka Ukwazi NgeeKharityhulam zeNkcazo zeKhadi leMali
Enye yezona zinto zibalulekileyo zekhadi lesikweletu ngumlinganiselo wenzalo. Ichaphazela iindleko zokuphatha ibhalansi kwikhadi lakho lesikweletu, iindleko mhlawumbi ufuna ukunciphisa okanye ukuphelisa. Nantsi into oyifunayo ukuba uyayiqonda kwaye uyayiqonda malunga nenani lentengo yekhadi lesikweletu.
Inzala ihlawulwe njani
Isilinganiso sekhadi lesikweletu sichazwa njenge-APR okanye ipesenti yepesenti yonyaka . Uza kufumana uluhlu lwawo onke ama-APRs kwikharityhulam yekhredithi kwi-card credit card.
Ingeniso yenzalo okwenziwe njengamanje kwiibhalansi zakho kuxwebhu lakho lokuthengisa.
Amanqaku amaninzi eemali-mboleko anethuba lobabalo xa unokuhlawula ngokukhawuleza ikhadi lakho lekhadi kwaye ukhuphe ukuhlawula umdla. Naliphi na ibhalansi elishiye ngaphaya kwexesha lobabalo liya kuhlawulwa inzala ngendlela yokuhlawulwa kwezemali .
Iindleko zemali zibalwe ngeendlela ezahlukeneyo kuxhomekeka kumagama akho ekhadi lesikweletu. Abanye abathumeli bamakhadi bekhredithi babala iindleko zemali ezisekelwe kubhalansi besikhadi lakho lokuthenga ngetyala lemihla ngemihla, ibhalansi ekuqaleni komgca wokuhlawula, okanye ibhalansi ekupheleni komjikelo wakho wokuhlawula. Iindleko zezemali zinakho okanye zingabandakanyi ukuthenga ezintsha ezenziwe kwikhadi lakho lesikweletu.
Iimali eziThatshulwayo
Kukho ezimbini iintlobo ezisisiseko zamanqaku ekhredithi yamakhadi-mboleko - ahleliweyo kwaye aguquke. Iirhafu zemali ezinokuthi zingatshintsha kuphela kwiimeko ezithile kwaye umniki wekhadi lesikweletu kufuneka athumele isaziso sangaphambili ngaphambi kokutshintsha isantya sakho.
Ngesinye icala, inqanaba lesantya lesenzalo , linamathele kwelinye izinga lentengo (umlinganiselo wokuqala , umzekelo) kwaye unokutshintsha naluphi na isalathisi sitshintsha. Umnikeli wakho wekhadi lokuthenga ngetyala akufanele anikezele isaziso esandulelayo ukuba utshintsho lwezinga eliguquguqukayo - ukuba utshintsho luyimiphumo yenyuka kwinqanaba lesalathisi.
Ubuninzi bezinga lokukhangela ngamanqaku ekhredithi.
Ezahlukeneyo APR
Ikhadi lakho lesikweletu linokuthi i-APR ihluke kwiintlobo ezahlukeneyo zemali. Umzekelo, ikhadi lakho linokuthengwa ngo-APR, ukuhamba kwemali kwangaphambili kwe-APR, kunye nokutshintshwa kwe-balance APR. Ngayinye yala mazinga enzala ayahluka. Ikhadi lakho linokufumana isohlwayo se-APR eqala ukusebenza xa ungagqibekanga kwiimali zekhadi lakho lokuthenga ngetyala, umzekelo ngokwenza intlawulo emva kwexesha.
Xa wenza inkokhelo ekhadini lesikweletu elinamanani ahlukileyo ahlukeneyo nama-Apres ahlukeneyo, nayiphi na imali engaphezulu kweyona ntlawulo encinci kufuneka ihambe kwibhalansi kunye ne-APR ephezulu.
Iirhafu zeNzala
Amakhadi a matyala ayenomlinganiselo wexesha, ngokwenene nje enye indlela yokuchaza i-APR rhoqo ixesha elingaphantsi konyaka. Inqanaba lexesha lemivuzo yenyanga liphela nje i-APR ihlukaniswe ngenani leenyanga ngonyaka, isib. 18% / 12 okanye 1.5%. Iirhafu zexesha eliqhelekileyo zivame ukusekelwe kumjikelezo wokuhlawula okufutshane kunenyanga enye. Kwimeko apho, ireyithi yexesha elibalwa ibalwa: (APR / iintsuku ngonyaka) * iintsuku kumjikelezo wokuhlawula.
Umlinganiselo wemihla ngemihla uhlawulelwa ngokuhlula i-APR ngenani leentsuku kunyaka (365 okanye 366 ngonyaka onyaka).
Xa iRhafu yeNtengo inganda
Umnikeli wakho wekhadi lokuthenga ngetyala unokuphakamisa izinga lakho lesithakazelo kuphela ngamaxesha athile: xa ungekho phantsi kwemiqathango yamakhadi akho ekhredithi, izinga lokutsalwa kwenkcazo liyakwanda, izinga lokunyusa liphela, okanye xa utshintsho lwenziwe kwisicwangciso solawulo lwetyala .
Indlela yokukhetha ukuphuma kweNqanaba lokuKhula
Ukuba ufumana isaziso sokwanda kwezinga lentengo, unelungelo lokuphuma kwintlalo entsha kwaye uqhubeke nokuhlawula ibhalansi yakho yekhadi lesikweletu kwisilinganiso esidala. Umnikezeli wakho wekhadi lokuthenga ngetyala unokugqiba ukukhansela ikhadi lakho lekredithi xa ukhetha ukuphuma, kodwa awuyi kuhlawula umyinge ophezulu. Ukuze ukhethe ukuphuma, thumela i- opt-out ileta kumkhupheli wekhadi lakho lesikweletu ngexesha lokuphuma.
Indlela Yokugwema Ukuhlawula Inzala
Uninzi lwamanani ekhadi lokuthenga ngetyala, unokuphepha umdla ngokuhlawula ibhalansi epheleleyo efakwe kwisitatimende sakho sekhadi lesikweletu. Ngezilinganiso ezithile, njengengeniso yemali kunye nokutshintsheliswa kwemali, akulula kakhulu ukuphepha ukufumana inzala kuba loo mingeni ayinalo ixesha lobabalo. Kwimeko apho, indlela enokukhetha ngayo kukunciphisa iindleko zomdla wakho ngokuhlawula imali ngokukhawuleza.