Amakhadi okuthenga ngetyala angakonakalisa okanye ancede amanqaku akho ekwereta; kuxhomekeke kwindlela oyisebenzisa ngayo.
Amanqaku akho ekhredithi asekelwe kwingcaciso kwingxelo yakho yekhredithi - irekhodi le-akhawunti yakho yekhredithi kunye neengxowa-mboleko ezigcinwe ziinkampani ezibizwa ngokuba yi-bureaus zemali-mboleko-ezibonisa ukuba unakho ukuhlawula imali oyibolekisiweyo. Ngenyanga nganye, umnikezeli wakho wekhadi lokuthenga ngetyala (phakathi kwamanye amashishini ambalwa) uxela umsebenzi wakho wekhadi lesikweledu kwelinye okanye ngaphezulu kweenkonzo ezintathu ezinkulu zemali-mboleko ukuba zifakwe kumanqaku akho. Umda wakho wekhredithi, ibhalansi yekhadi lesikweletu, umlando wokuhlawula, isimo seakhawunti kunye nomhla owavula ngayo i-akhawunti ziincwadana ezimbalwa zolwazi ezichaphazela amanqaku akho.
Ukuba neKhadi leKretethi kuphela lichaphazela i-Score yakho yeMboleko
Ukuba ungomnye wabathengi abangenayo ikhadi lesikweletu , umlinganiselo wakho wekhredithi unokuchaphazeleka. Okokuba ngaba unomvuzo wekhredithi. Ngaphandle kweakhawunti evulekile, esebenzayo kwingxelo yakho yekhredithi, awuyi kuba nomlinganiselo wekredithi.
Amakhadi esikwereti enye yeyona ndlela elula kakhulu yee-akhawunti zekreditenti ukwenzela ukuba yintoni eyenza ibe yindlela efanelekileyo yokuseka nokwakha imbali yamatyala entle. Ukuba ulawula kakuhle i-credit yakho, umlinganiselo wakho wekredithi uza kubonisa oko.
Ukuba nolwazi oluqinileyo kunye neentlobo ezahlukeneyo zeakhawunti zetyala-amakhadi-ngetyala kunye nemali-mboleko-ilungile kumanqaku akhokredithi.
I-Credit Limit yakho neNgcaciso
Amanqaku amaninzi ematyala anomlinganiselo wokuthenga ngetyala , yintoni inani eliphakamileyo lekhredithi umniki-makhadi wakho wekhadi ezenzileyo. Nangona bakunike umda othile wesikweletu, kubonakala kukubi xa usebenzisa yonke i-credit. Ukukhishwa kwekhadi lakho lekhredithi - usebenzisa yonke i-credit yakho ekhoyo-kwenza ukuba ukhangeleke njengomboleki onobungozi kwaye umlinganiselo wakho wekhredithi uya kuba neengxaki ngenxa yoko.
Abaninzi bamakhredithi bekhadi banokuthi babike "ibhalansi ephakamileyo" leyo ibhalansi ephezulu ekhe yahlawulwa kwikhadi lakho lekhredithi. Ngoko ke, nangona ukhulula ngekhadi lakho lesikweletu kwaye uhlawula, ingxelo yakho yekhredithi ingaqhubeka ibonisa ukuba ibhalansi ephakamileyo. Kulungile ukugcina ibhalansi yakho yekhadi lesikweletu phantsi kweepesenti ezingama-30 zomda wakho wemali ukwenzela ukuba ungabonakali njengomboleki ongenakuziphendulela.
Iintlawulo zakho zeKhadi leKhadi leNyanga
Nangona inani lakho lokugqibela lokubhalwa kwekhadi lokuthenga ngetyala lifakiwe kwingxelo yakho yekhredithi, ayifakwanga kwinqanaba lakho lekhredithi. Inani lakho lokuhlawula liyakuchukumisa ngokuchanekileyo umlinganiselo wakho wekhredithi. Khumbula ukuba ibhalansi yakho enxulumene nomda we-credit limit ifakiwe kumanqaku akho ekhredithi. Iintlawulo ezinkulu ziyanciphisa ibhalansi yakho ngokukhawuleza kwaye inokukunceda ukwandisa amanqaku akho.
Ukukhawuleziswa kweentlawulo zekhadi lakho lekhredithi yenye yezona zinto zibalulekileyo ezichaphazela amanqaku akho.
Ngexesha leemali zekhadi lokuthenga ngetyala liyakunceda ukuphuhlisa amanqaku akho okwekhredithi ngelixa ukuhlawulwa ngokukhawuleza kuya kuzisa umvuzo wakho. Iintlawulo zexesha elide azibonakalwanga kwii-credit bureaus ukuya kwiintsuku ezingama-30 ngokukhawuleza. Unokufuneka uhlawule umrhumo wokugqibela xa unemihla embalwa emva kwexesha lakho ekuhlawulweni kwekhadi lesikweletu, kodwa umlinganiselo wakho wekhredithi kufuneka ukhuseleke xa uhlawula ngaphambi kokuba ube neentsuku ezingama-30 ezidlulileyo.
Izicelo zeKhadi leKhadi
Njalo xa ufaka isicelo sekhadi lesikweletu , irekhodi yesicelo sakho iya kwi-akhawunti yakho ye-credit. Amanqaku akho ekhredithi ayifuni ukuba ngaba uvunyiwe kwikhadi le khredithi okanye cha. Ukusebenzisa nje kunokuchaphazela kakubi kumanqaku akho ekwereta. Izicelo ezininzi kwixesha elincinci lexesha linokulimaza amanqaku akho. Ngenxa yoko, kukulungele ukugcina izicelo zakho zekhadi zekredithi ubuncinci.
Inani lamakhadi aMatyala onayo
Ukuba namakhadi amaninzi ematyala angakonakalisa amanqaku akho. Ngelishwa, iikhampani eziye zavelisa amanqaku eebredithi azizange zisitshele inani elichanekileyo lamakhadi-mboleko echaphazela amanqaku akho. Inombolo mhlawumbi iyahluka ukusuka kumntu ukuya kumntu. Ngomhla kaJanuwari 2015, ixesha lixeliwe indoda eneakhadi zekredithi ezingama-1,497 kunye namanqaku atyala apheleleyo. Usebenzisa enye yamakhadi-mboleko, nangona kunjalo.
Ukugcina iiKhadi zakho zeMatyala ixesha elide
Ukuba sele usuvule amakhadi akho ekhredithi, kulunge ukuba ngumlinganiselo wakho wekhredithi, ingakumbi ukuba unembali efanelekileyo yokuhlawula kunye nala makhadi amakhadi. Gcina amakhadi akho esikwereti endala kakhulu kwaye uwasebenzise ngezikhathi ezithile ukukunceda amanqaku akho ekhredithi, kodwa kwakhona qinisekisa ukuba uhlolisisa iikhathalo zamakhadi zesikweletu zamva ngexesha elide. Ukuba unomvuzo omhle wesikweletu, kunokufumana ithuba lokufumana ikariti yekhredithi ngemigangatho engcono kunye nemivuzo ngaphezu kokuba ubenayo kuba udala.
Isitshixo ekuqinisekiseni ukuba amakhadi enkokhelo awonakali akho amanqaku ekhredithi kukuba uwagcine evulekile kwaye esebenzayo, ngokuma kakuhle, kunye nama-balance balance.