Iintlobo zeeKredi zeMatyala onokuziphepha
Uninzi lwamakhadi zekrediti ahloniphekileyo. Kukho ezinye iindlela ezikhethekileyo kunye nemivuzo emikhulu kunye namazinga omdla wokunyusa. Ngomnye umgca wembonakalo, kukho amanye amakhadi enkcitho enobungozi, okumele agwenywe kuzo zonke iindleko.
Amakhadi ekhredithi awona makhulu kakhulu athathwe ngabathengi abaye benza iimpazamo zezezimali kwaye abanako ukufumana into engcono. Nangona ungenayo i-credit card engcono, akufanele ukwamkele ikhadi lokuthenga ngetyala ngeempawu ezimbi.
Xa ukhetha ikhadi lokuthenga ngetyala , nantsi ezinye iimpawu ezifanelekanga njengokuba unako ukukhetha.
Ephezulu
Inani elincinci lamakhadi-mboleko lihlawule imali yokuqala kwikhadi le-credit card, nangaphambi kokuba uthenge. Funda ngeemali zekhadi lokuthenga ngetyala, ukhangele iimali ezinjengeemali zokumisela i-akhawunti, iimrhumo zenkqubo, inkokhelo yokuthatha inxaxheba, iifizi zamakhadi ezongezelelweyo, kunye nemirhumo yokunyuka komda wesikweletu. Imithetho emitsha yase-Federal ithi le subprime okanye "umvunyili wemali" amakhadi enkoleko ayikwazi ukuhlawula ngaphezulu kwama-25% ukuba i-credit card yakho yokuqala. Oku kusekho intlawulo ephezulu ukuhlawula ukuba ube nekhadi lesikweletu kwaye umrhumo kufuneka ucinge kabini ngokuhlawula.
AkukhoNgxelo yeMali
Amakhadi ekhredithi awona makhulu awanakukunceda ukwakha amanqaku ekhredithi angcono. Ukuba usebenza ukwakha okanye ukwakha kabusha umlando wakho wekhredithi, ikhadi lekhredithi elingenayo ingxelo kwi- freeaus enkulu ayiyi kuba yinto enhle kuwe. Ekubeni imbali yokuhlawula loo khadi ayiyi kuvela kwingxelo yakho yekhredithi okanye ekubaleni kwamanani akhokredithi, iintlawulo zakho ezintle azikwenza nantoni ukukunceda ukwakha amanqaku akho
IP APRs engabonakaliyo
Amakhadi ekhredithi kakhulu kunawo onke afika eP APR ephakamileyo, ephakamileyo kunamanani eekhadi lamatyala. Uninzi lwekhadi lekhredithi le-APRs luvela kwi-0% (ukwenzela ukuba izinga lokunyusa) libe ngu-24.99%. Amakhadi ekhredithi aphezulu kakhulu anama-APR aqhelekileyo adlula ireyithi yentlawulo yamakhadi amaninzi. Gwema nayiphi na ikhadi lekhredithi nge-APR rhoqo ye-30% okanye ngaphezulu.
Ukufaneleka kweeKhadi zeMatyala ezingcono
Ngaphambi kokuba ufake isicelo sekhadi lesikweletu, kwikhodi yekhredithi yangaphambi kokuvunywa, funda ngemimiselo yekhadi lesikweletu ukuze ufumane imimiselo nemeko yekhadi. Thelekisa ixabiso lekhadi lesikweletu kunye namanye amakhadi ekwereta ukuze ufumane ingcamango yiphi ikhadi lekhredithi elihlawulayo. Khetha ikhadi lekhredithi kunye nemigangatho efanelekileyo kakhulu yokuma kwekhredithi yakho.
Ukuba i-credit card engalunganga okanye akukho mlando wesikriti ikugcina ukuba uvumeleke kwikhadi elinemigaqo engcono, cinga ukufumana ikhadi elikwi-credit card ekuncedeni ukukhulisa i-credit yakho. Ikhadi lekhredithi elikhuselekileyo lifuna ukuba wenze idiphozithi yangaphambili ukukhusela umda wakho wemali. Xa uvunyiwe, ungasebenzisa ikhadi lekhredithi njengawe nawuphi na ikhadi lekhredithi. Xa iintlawulo zakho ezifike ngexesha zichazwa kwii-credit bureaus, i-credit yakho iyathuthuka, yenza kube lula ukufumana ikharityhulam engcono yekhredithi.