Qaphela iiMpawu zoBubi besazisi
Kwakukho ama-13.1 yezigidi zexhoba lokutshintshwa kwezazisi ngo-2015, ngokutsho kweSicwangciso soPhando kunye noPhando lwe-2016 Identity fraud Report. Ukubiwa kwezozisi kubangela ukuba amaxhoba athathwe kakhulu kwixesha kunye nemali. Nangona abaninzi abanokukhishwa kwamakhadi-kredithi banemigaqo-nkqubo yokunyanzela inkohlakalo, abathengi banakho ukuchitha ama-dollar kunye neeyure eziliqela ezijongene nobusela besazisi.
Ukufunyanwa kwangaphambili kuseloko kubalulekileyo xa kufike ekulwa nokutshitshiswa kobunikazi. Ngokukhawuleza ufumanisa ngokuvela kwebabi, ngokukhawuleza ungathatha amanyathelo ukulungisa nayiphi na umonakalo osele kwenziwe kwaye ukukhusela umonakalo omkhulu. Funda ukuqonda iimpawu zobusela bezazisi ukuze uphendule ngokukhawuleza.
01 Ufumana iifowuni zokuqokelela malunga neakhawunti ongazange uzivule.
Iifowuni ezivela kubaqokeleli beetyala zivame ukuba ngumqondiso wokuqala wokuba utywala. Ngethuba abaqokeleli-matyala baqala ukukubiza, ii-akhawunti zivuliwe ngaphandle kolwazi lwakho kwiinyanga eziliqela.
Ukuba ufumana ifowuni malunga ne-akhawunti ongazange uyivule, vumela i-ejensi yokuqokelela ukuba le nto ayikho eyakho kwaye ukuyeka ukunxibelelana nawe malunga netyala.
Fumana ikopi yengxelo yakho yekhredithi ukuze ubone ukuba ezinye i-akhawunti zivulwe egameni lakho. Beka isilumkiso soqheliselo okanye ukhuseleko olukhutshwe kwingxelo yakho yekhredithi ukukhusela i-akhawunti engagunyaziswanga kwangaphambili.
02 Ingxelo yakho yekhredithi iqulethe i-akhawunti ongazange uyivule.
Ukuba ubona i-akhawunti kwingxelo yakho yekhredithi ongazange uyivule, ungacingi ukuba yimpazamo eyenziwe yi-credit bureau okanye umniki-khadi wesikweletu. Kusenokwenzeka ukuba ngumqondiso wokuba utywala.
Musa ukuyihoxisa i-akhawunti, nangona ingenayo imbali yokuhlawula. Sebenzisa inkqubo yokubambisana neengxelo zemboleko ukufumana i-akhawunti isuswe kwingxelo yakho yekredithi kwaye ubize inkampani eyabika i-akhawunti ukuba iwazise malunga nobuqhetseba.
03 Unqatshelwe ngokungalindelekanga kwikhadi lekhredithi, mboleko okanye enye inkonzo.
Iingxelo ezikhohlisayo ziyakwenza ukuba ungagunyazisiwe kwikhadi lekhredithi kunye nemveliso yemboleko, ngakumbi ukuba i-akhawunti inembali yokuhlawula embi okanye i-balance balance.
Ababoleki kufuneka ukuba bakuxelele ukuba uhlaselwa ngetyala ngenxa yolwazi kwingxelo yakho yekhredithi. Baya kunika izizathu zokuba unqatshelwe kwaye ukwazise ukuba unelungelo lokunika ingxelo yekhredithi yamahhala . Basebenzisa le ngxelo yeekhredithi zamahhala ukuze ufumanise ukuba ngaba uxhoba lobusela besazisi. Unemihla engama-60 kuphela ukuze ulandele le ngxelo yekhredithi yehhafu, ngoko yenza ngokukhawuleza.
04 Ingxelo yakho yekhredithi iqulethe imibuzo evela kumashishini ongawaqondiyo.
Iingxelo zetyala zinemibuzo emibini epholileyo , eyenziwa rhoqo ngenjongo yokuphromotha, kunye nemibuzo enzima , ephuma kwizicelo ezenziwe nguwe okanye isela lokungena.
Imibuzo engaqhelekanga yimiqondiso yokuba umntu usetyenzise iimveliso zetyala ngegama lakho. Ukuba ubona imibuzo efana nale, faka uqwalaselo lokukhwabanisa kwingxelo yakho yekhredithi ukuze ulumkise amashishini ukuqinisekisa ubungqina bakho ngaphambi kokuba unikeze iimveliso zemboleko. Qhubeka uqapha iingxelo zakho zekredithi ukuze ubone ukuba nayiphi i-akhawunti ekhohlakeleyo ibonakala kwaye ilawula abo ngokufanelekileyo.
05 Iibhilidi zakho zekhadi zesikweletu ziyeke ukuza ngokukhawuleza.
Amasela angasebenzisa utshintsho lweefomu zeedilesi ukubuyisela i-imeyile yakho kwenye idilesi. Ukuba izitatimenti zakho zokubakhoda ngekhadi lokuthenga ngetyala ziyeka ngokukhawuleza ukufika nganye ngenyanga, biza umniki wakho wekhadi lokuthenga ikhredithi ukuqinisekisa ukuba izitatimenti zakho zithunyelwa kwidilesi efanelekileyo. Emva koko, thabatha amanyathelo amanyathelo ukuqinisekisa ukuba ibhokisi leposi likhuselekile ngoko iposi ayinakubiwe kwibhokisi yakho yeposi.
06 Ikhadi lakho lesikweletu alikhoyo.
Bika ikhadi elilahlekileyo okanye elibiweyo lekhredithi kwisikhwama sakho sekhadi lokuthenga ngetyala ngokukhawuleza ukuba uyabona. Abaninzi bamakhadi okukhredithi banamakhadi ayi-$ 0 okukhusela uxanduva lokukhusela uxanduva lokugcina ukuhlawulwa ukuya kwii-50 zamaxabiso enkohliso enziwe kwikhadi lakho lesikweletu.
07 Ufumana iibill kwiingxelo ongazange uzivule.
Ukuba ufumana isitatimenti sekhadi lesikweletu esinegama lakho kulo, kodwa kwikhadi lesikweletu awuzange ulivule, qha ga mshelana nomthengi wekhadi lokuthenga ngetyala. Baxelele ukuba awuzange uvule ikhadi lekhredithi kwaye uyakrokrela ukuba lo ngumqondiso wokuba utywala. Kufuneka uhlolisise ingxelo yengxelo yemboleko kwenye i-akhawunti ekhohlisayo.