Imali. Ngenye yezinto abasebenzisi bekhadi lesikweletu kufuneka bahlawule ngokukhawuleza ngamakhadi abo. Iintlobo ezahlukeneyo zamakhadi-mboleko zihlawula iintlobo ezahlukeneyo zemirhumo kwaye ezininzi zazo ziyakhutshwa. Indlela efanelekileyo yokuphepha iimali zekhadi lekhredithi ukwazi ukuba ziphi na xa zihlawulwa. Ngaloo ndlela, unokulungisa indlela osebenzisa ngayo ikhadi lakho lekredithi ukuphepha ngokupheleleyo ukuhlawula imali.
Isivumelwano sakho sekhadi lesikweletu yindawo efanelekileyo yokufumana uluhlu lwemirhumo ehlawulwe kwikhadi lakho lesikweletu. Unokufumana ikopi kwi-intanethi okanye ngokubiza abakhishi bakho bekhadi lokuthenga ngetyala kwaye ucele ukuba uthunyelwe enye ngeposi. Nayi iindleko zekhadi zamatyala eziqhelekileyo kunye neengcebiso zokuziphepha.
01 Imali yonyaka
Akukho onke amakhadi ekwereta anemali yonyaka. Unokulindela umrhumo wonyaka kumakhadi anetyala ekhuselekile, amakhadi athile esikhokhelo, amakhadi okuhlawulwa kunye namakhadi ekwereta aphantsi.
Imali yemali yonyaka iyahluka. Inokuthi ibe ngaphantsi kwe-$ 19 okanye iphezulu njengama-$ 500, kuxhomekeke kwikhadi lesikweletu. Kwezinye iikhadi lamatyala, umrhumo wonyaka ufanelekile, ingakumbi ukuba iinzuzo zekhadi zigqithise iindleko. Ukuba uzama ukuseka kwakhona umlando weebhanki ezibi, unokufuneka uqale ngekhadi lesikweletu elinomrhumo wonyaka uze ukwazi ukufumana into engcono.
Abanye abakhupha amakhadi ekhredithi banako ukuhlawula umrhumo wonyaka wonyaka wokuqala, kukunika ithuba lokunandipha ikhadi lekhredithi ngaphambi kokuhlawula iindleko zalo.
02 Imali yokuTshintshiselwa kwemali
Imali yokutshintsheliswa kwemali ibhalwa ukuhanjiswa kwemali yokuthengiselana - intengiso evumela ukuba uhambise ibhalansi kwikhadi lekredithi kwenye.
Intlawulo yipesenti yokutshintshwa kwemali, ngokuqhelekileyo iipesenti ezi-3 zemali yokuthengisa okanye i-$ 5, nayiphi na enkulu. Ephakamileyo ibhalansi oya kutshintshisayo, imali ephezulu yokudlulisela ibhalansi iya kuba.
03 Imali ehlawulwa ngemali
Imali yokunyuka kwangaphambili yemali ihlawuliswa nanini na xa wenza imali engaphambili okanye ukuthengiselana okufanayo. Umzekelo, ukukhuselwa kwe-overdraft kunye nokuhlolwa kwekhadi lokuthenga ngokukhawuleza kukuthengwa kwangaphambili kwemali.
Umrhumo wokuhlawula imali ngokuqhelekileyo udla ngo-5% wexabiso eliphambili okanye i-$ 10, nokuba yeyiphi na enkulu.
Intlawulo ihlawulwa ngokukhawuleza ngemali kunye nangaphezulu nayiphi na imali ehlawulwayo yokuhlawula imali. Unokuphepha umrhumo wangaphambili lwemali ngokugwema ukuthengiswa kwemali kwangaphambili - oko kukuhle kuba ukulinganisela kwemali kwangaphambili kubhalwa inzala ephakamileyo ngaphandle kwexesha lobabalo.
04 I-Feed Payment Expedited
Intlawulo yokuhlawula ihlawulelwe xa kufuneka ukuba wenze ukuhlawulwa kwekhadi lokuthenga ngekhredithi ngomzuzu wokugqibela ukuphepha ukukhawuleza.
Intlawulo iya kuba nge-$ 10 ukuya kwi-15 ye-15 kodwa ingabizi kakhulu kunomrhumo wentlawulo emva kwexesha.
Unokuphepha umrhumo wokuhlawula ngokukhawuleza ngokwenza ikhadi lakho lokuhlawulwa kwekhadi lesikweletu ekuqaleni kwenyanga. Nangona kunjalo, ukuba ufuna ukufumana intlawulo yemzuzu yokugqibela, intlawulo yokuhlawula ihlawulelwe ihlawula umrhumo wexesha lokugqibela.
05 Ukuhlawulwa kwezeMali
Iindleko zemali yintlawulo yenzalo yenyanga yongezwa kwiakhawunti yakho ukuba kube lula ukuphatha ibhalansi yekhadi lesikweletu ngaphaya kwexesha lobabalo .
Uya kuba ne-mali yentlawulo eyongeziweyo kwibhalansi yakho nayiphi na inyanga awuyi kuhlawula ibhalansi yakho ngokupheleleyo ngaphandle kokuba uphantsi kwepesenti yentengiso ye-0%.
Isixa semali esekelwe kusengaphambili sixhomekeke kwikhadi lakho lekhredithi APR, ibhalansi kunye nendlela yakho yokukhawulwa kwemali yekhadi.
Unokuphepha ukuhlawula imali ngokuhlawula ibhalansi yakho ngokupheleleyo ngenyanga.
06 Imali yokuThengiswa kwamazwe angaphandle
Imirhumo yokuthengiswa kwamanye amazwe ihlawuliswa xa uthengwa ngemali yangaphandle. Ngamanye amaxesha unokuhlawuliswa umrhumo kungakhathaliseki ukuba uhlala phi xa kuthengiselana ngemali ngaphandle kweedola zase-US.
Ezinye iikhadi zekhredithi azihlawulisi imali yokuthengiswa kwamanye amazwe, kodwa abo benzayo, ngokuqhelekileyo bahlawula iipesenti ezi-3 zemali yokuthenga.
Ukuba uyaphuma kweli lizwe kwaye ufuna ukuphepha ukuhlawulwa kwemali yokuthengiswa kwamanye amazwe, khangela ikhadi lesikweletu elingahlawulisi umrhumo.
07 Imali engaphezulu kwemida
Ngaphezulu kwemirhumo yemali, ehlawuliswe xa udlula umda wakho weekhredithi, ayifani ngokuqhelekileyo ekubeni uMthetho we-Credit CARD Act ka-2009 udluliselwe. Lo myalelo ufuna ukuba ukhethe ukungena kwemida engaphezulu kwemida phambi kokuba umniki wekhadi lokuthenga ngetyala ahlawulise imali engaphezulu kwemida.
Ngeemakhadi zekredithi ezihlawulisa intlawulo, inokuthi ibe yi-$ 35 kuphela kwaye ingahlawuliswa kuphela ukuya kwii-cycle zokuhlawula ukuba ibhalansi yakho ihlala phezu komda.
Unokuphepha ukuhlawula imali engaphezulu kwemida ngokugcina ibhalansi yakho yekhadi lesikweletu ngaphantsi komda wesikweletu okanye ukuphuma kweemali ezingaphezulu kwemida. Qaphela ukuba ukuphuma kuthetha ukuba ukuthengiselana okuza kudlulela umda wesikweletu sakho kuya kunqatshwa.
08 Ixesha elide
Umrhumo wexesha elihlawulekileyo uhlawuliswa naliphi na inyanga ukuba inkokhelo yakho yamanqaku encinane yekharityhulam ayenziwanga ngomhla ofunekayo. Phantse zonke iikhadi lekhredithi linomrhumo wexesha elifutshane - fumana iifayile zokugqibela ezihlawulwa ngokukhawuleza kubaphathi bekhadi.
Imali yakho yokugqibela ingafikelela kuma-$ 27 ngaphandle kokuba uhambe emva kweenyanga ezintandathu ezedlulileyo, apho imeko ingaba i-$ 38. (Le mirhumo ephezulu yokugqibela iyakwazi ukulungelelanisa okanye iphantsi komnyaka ngemali yokunyuka kwemali.) Imali yokugqibela ihlawuliswe kanye emva komjikelezo wokuhlawula umva emva kokufika kwekhadi lakho lokuthenga ngetyala, okwenzeka emva kweenyanga ezintandathu udlule kudala.
Unokuphepha umrhumo wexesha ngokukhawuleza ngokwenza ikhadi lakho lokuthenga ngetyala ngexesha. Ukuba ucinga ukuba uya kuba neengxaki zokwenza ukuhlawulwa kwekhadi lakho lesikweletu, qha ga mshelana nomnikeli wakho wekhadi lokuthenga ngesikweletu ngaphambi kwexesha ukwenzela ukuba wenze ilungiselelo lokuhlawula. Unako ukuhlawula umrhumo wokuhlawula ngokukhawuleza xa uthe wabiza kwaye ukuba awunako ukuhamba ngokukhawuleza.
09 I- Check Check Fee
Imirhumo yokuhlawula ibuyisiwe okanye intlawulo yokuhlawula ibuyiswe xa ibhanki yakho ibuyisela ukuhlawulwa kwekhadi lakho lesikweletu, umzekelo xa kungekho mali eyaneleyo kwi-akhawunti yakho ukuhlawula intlawulo.
Imali yokuhlawula ibuyisiweyo ingafikelela kwi-$ 35 kwaye ihlawuliswe rhoqo ngexesha lakho inkokhelo ibuyiselwa.
Ungakuphepha le ntlawulo ngokuqinisekisa ukuba unayo imali eyaneleyo kwiakhawunti yakho yokujonga phambi kokuba wenze ikhedi lakho lekhadi lesikweletu.
10 Amanani aqhelekileyo aqhelekileyo
Abanye abathumeli bekhadi bekhredithi bangahlawulisa ezinye iirhafu, kodwa ezi ntlawulo aziqhelekanga.
- Isicelo okanye umrhumo wokuhlawula umrhumo wexesha elilodwa uhlawuliswa nje ukufaka isicelo sekhadi lesikweletu, nokuba uvunyiwe okanye cha. Le ntlawulo ixhaphake kakhulu ngamakhadi ekrejethi enenjongo kubafaki-sicelo abanekhredithi ehluphekileyo.
- Imali yokunyuswa kwemali yesikweletu ihlawuliswa xa ucela ukuba umlinganiselo wakho weekhredithi ukhuphuke.
- Inkokhelo yokubuyisela ikhadi lokuthenga ngetyala inokuhlawulwa xa kufuneka ukuba ube nekhadi lakho lekredithi ngokutshintshwa ixesha elincinci ukusuka ekutshintshelweni kwekhadi lakho lokugqibela.