Kulula kakhulu ukuba ityala lekhadi lokuthenga ngetyala linokuphuma ngaphandle kolawulo. Ngenye imini uvuyela ngokukhawuleza ikhadi lakho lekredithi, ukuthenga izinto oye wazifuna, ukuthatha uhambo kwiindawo ohlala ufuna ukutyelela. Into elandelayo uyazi ukuba amakhadi akho onke axhunyiwe kwaye awukwazi ukukhumbula ukuba kwenzeka ntoni.
Ngaba iWebital Card yakho yeMatyala ngaphandle kolawulo?
Ayikho ijiji yokukwazisa xa ityala lakho lekhadi lesikweletu liphuma kulawulo.
Abakhishi bakho bekhadi lokuthenga ngetyala abanakukuxwayisa ukuba izilinganiso zakho zininzi kunokuba ungakwazi ukuhlawula. Kunoko, kuya kuwe ukuba ujonge ezi zi-10 iimpawu ezibonisa ukuba ityala lakho liphezu kolawulo:
1. Amakhadi akho akhankanywe ngaphandle okanye ngaphezu komda wesikweletu . Ukukhawulwa kwamakhadi wesikweletu kukuphawu lokuba awuzange uhlawule ibhalansi yakho ngokugcwele inyanga nganye. Amanqaku amaninzi akhishwe ngamakhadi wesikweletu kuphela ahlanganise ingxaki, okwenza kube nzima ukuhlawula izilinganisi zekhadi lakho lesikweletu. Kwaye ukuba ungekho ngongxamiseko, ushiye ngaphandle kwemithombo yenkxaso-mali yongxamiseko.
2. Awukwazi ukuhlawula nayiphi na into ngaphandle kwentlawulo encinci . Inani elichanekileyo letyala elibala ukuba "ngaphandle kolawulo" liya kuhluka ukusuka kumntu ukuya kumntu kuxhomekeke ekukwazi ukuhlawula. Uphawu oluqinisekileyo lokuba ityala lakho lingaphumi kolawulo lukukwazi ukuhlawula kuphela ubuncinci kumakhadi akho ekwereta. Iintlawulo ezincinane zixabiso eliphantsi kakhulu onokulihlawula kwikhadi lakho lesikweletu kwaye ugcine i-akhawunti yakho ngokuma kakuhle.
Ukuba awukwazi ukuhlawula ngaphezu kwaloo kwaye usasebenzisa amakhadi akhotyala, ityala lakho liya kuqhubeka kakhulu ngenyanga.
3. Ukuhlawulwa kwexesha okanye ukulahleka . Xa iintlawulo zakho ezincinci zingenakulungiseka, unengxaki. Iintlawulo zekhadi zekredithi ezingaphutheli zenza imeko yakho yekhadi lesikweletu ibe nzima. Ukuhlawulwa kwexesha elifutshane kwandisa inani omele uyihlawule ukuze ubanjwe kwaye unempembelelo embi kumanqaku akho.
Ngexesha olahlekelwa iintlawulo ezimbini, inzala yakho yenzalo iya kwanda kwaye iyancipha inzima. Umzuzwana uqala ukukhuni ukwenza inkokhelo yakho encinci xa ufuna ukuqala ukwenza utshintsho olukhulu kwiimpawu zekhadi lakho lesikweletu.
4. Uhlawula amakhadi akho ekwereta kunye nezinye iintlobo zamatyala . Ukuba usebenzisa i-cash advances, ukutshintshwa kwemali ephindwe kabini, iimali-mboleko zemali okanye enye nayiphi na ityala lokuhlawula amakhadi enkokhredithi, unengxaki enkulu. Akunjalo nje kuphela ukuba nenza nayiphi na inkqubela phambili ekuhlawuleleni amakhadi enkokhelo, udala amatyala amaninzi ngokuboleka imali ukuze uhlale uhamba.
5. Usebenzisa amakhadi esikweretheni ngeemfuneko kunye nokuthenga kwansuku zonke . Ukuba usebenzisa ikhadi lakho lekredithi ukuthenga rhoqo kukubonakalisa ukuba, kungekhona nje kuphela ityala lakho lekhadi lokuthenga ngetyala, luphawu lweengxaki zemali ezinkulu. Ukuba uqhubeka usebenzisa amakhadi akho ekhredithi ngokuthenga rhoqo-kwaye ayinxalenye yeqhinga lokufumana umvuzo wemali yekredithi-ngokukhawuleza uza kuphuma ngetyala lekhoyo. Uya kufuneka wenze utshintsho olukhulu ukuze ugweme ngokupheleleyo kwi-matyala.
6. Inani lakho lekhredithi liqala ukuhla . Amanqaku okuthenga ngetyala ayenzela ukulinganisa ukuthenga ngetyala-okanye mhlawumbi ukuba uya kukhangela kwi-credit and debt obligations yakho.
Isixa sematyala ophetheyo (xa kuthelekiswa nemingeni yakho yemali) ngu-30% wemali yakho yekhredithi.
Ukuba umlinganiselo wakho wekredithi uyawa , nangona wenza iintlawulo zakho ngexesha ngalinye inyanga, ityikitya ukuba ityala lakho elikhulayo lekhadi lesikweletu libi ngakumbi kunokuba ulindele. Ukuba awufumani umlinganiselo wesikweledu samahhala kunye nesitatimenti sekhadi lakho lesikweletu nganye ngenyanga, unokukhangela amanqaku akho ekhredithi mahhala nangona i-CreditKarma.com, i-CreditSesame.com kunye ne-Quizzle.com.
7. Izicelo zakho ezintsha ziphikisiwe . Abaniki bamakhadi ngekhadi banokwazi ukuqikelela ukuba i-credit card yakho ityala ngaphandle kokuba uyenze. Emva kwesicelo sokukhawulwa kwekhadi lesikweletu , tshekisha i-imeyile yakho ngencwadi evela kumniki-kharityhulam we-credit card uchaza isizathu sokuba unqatshelwe. Ukuba ityala lakho okanye ibhalansi ephezulu yekhadi lesitaliti ngenye yezizathu, kuyimpawu yokuba kufuneka uvuselele imali yakho kwaye uqale ukujongana netyala lakho ngaphambi kokuba libi kakhulu.
8. Ufihla ityala lakho- ukusuka kuwe okanye lakho iqabane. Ukuziva ngathi unento yokufihla uphawu lokuba izinto ziphosakele. Ukuba awuyi kuvulwa iingxelo zekhadi lakho lekredithi ngenxa yokuba ungafuni ukujongana namanqanaba akho okanye uphuma kwindlela yakho ukugcina umlingane wakho ekufumaneni ngetyala lakho, mhlawumbi unetyala elingaphezulu kunokuba unokuhlangabezana .
9. Awunakukwazi ukugcina imali ngenxa yokuba unetyala elikhulu . Imali oyisebenzisayo kwityala lakho, uncinci unalo kwezinye izinto-njengokugcina imali. Ngaphandle kofikelelo lokulondolozwa, umzekelo kwimeko engxamisekileyo, unokwenza ukuba wenze i-tyala elongezelelweyo ukuphuma ngaphandle kokubopha imali.
10. Uxhala malunga nendlela uza kuhlawula ngayo amakhadi akho ekwereta . Ukuba unomuzwa wokuthi ityala lakho lekhadi lekhredithi liphantsi kolawulo, awuyi kuba nexhala. Nangona kunjalo, ukugxininisa ngetyala lakho kwikhadi lekhredithi ngumqondiso wokuthi ngokuqinisekileyo ayikho phantsi kolawulo. Ungacingi ukuba ngenxa yokuba ungagxininiswa ngetyala lakho elikhuselekileyo. Kungenzeka ukuba uyayinakukuhoxisa ityala lakho okanye ukuphika malunga nokuba kubi kangakanani.
Iindlela ezi-7 zokufumana i-Credit card yakho ityala phantsi kolawulo
Emva kokuba uqaphela ukuba ityala lakho lekhadi lekhredithi alikho ukulawula, kuba ngumthwalo wakho wokwenza okuthile ngokukhawuleza. Ukungaziboni ubunzima bekhadi lakho lekhadi lokuthenga ngetyala liya kwenza kube nzima nakakhulu ukujongana xa usenza isigqibo sokwenza utshintsho oluthile:
1. Yeka ukuchitha . Emva kokuba uqaphele ukuba ityala lakho lingekho kulawulo okanye ukuphuma ekulawuleni, into yokuqala okufuneka uyenze yeka ukusebenzisa amakhadi wakho ekwereta . Naliphi ukuthengwa kwekhadi lesikweledu elongezelelweyo luza kwenza ukuba ityala lakho lekhadi lesikweletu likhule. Izikali zakho ezinkulu, ziza kuba nzima ukuhlawula.
2. Sika amakhadi akho ekwereta . Ukuba awuqeqeshelwanga ngokwaneleyo ukuyeka ukusebenzisa amakhadi enkokhelo, yenza kube nzima ngokwakho. Yinqumle amakhadi akho kwaye ulahle ezo ziqendu. Unokwenza isinyathelo esiphezulu kwaye uvalise iakhawunti zakho ngokupheleleyo ukuba oko kuthatha ukuthintela ukusebenzisa amakhadi akho ekwereta.
3. Thatha uhlalutyo lwamatyala akho . Fumana ukuqonda okucacileyo malunga nokuba unetyala elingakanani kunye nawaphi na. Yenza uluhlu lwawo onke amakhadi enetyala, inzala, inzala kunye nenkokhelo ekhoyo yangoku. Ukuba ii-akhawunti zidlulileyo ngenxa yoko, bhala phantsi inani elifunekayo ukuhlawula ukufumana. Nangona uluhlu lunokubangela ukwesabisa, unokwenza izigqibo ezintle malunga netyala lakho lonke ulwazi phambi kwakho.
4. Mbonise ukuba ungayikhokhela kangakanani ityala lakho ngenyanga . Ukuphonononga yakho ingeniso kunye neendleko ukuze ufumane into ongayifumana kwibhajethi yakho ukuqala ukuhlawula ityala lakho lekhadi lesikweletu. Kufuneka wenze utshintsho olukhulu kwiindleko zakho ukuze ukwazi ukuhlawula iindleko zakho zokuhlala kunye nokuhlawula ityala lakho.
5. Yeka ukusebenzisa imali eyongezelelweyo . Ube nethuba elihle lokukhwela ityala lekhadi lesikweletu, ngoku lixesha lokufumana ingxaki ngemali yakho. Cima imali yokuzonwabisa kunye nokugxila ekuthengeni kuphela izinto ozifunayo. Kungaba ngumnikelo obuhlungu ekuqaleni, kodwa unokulungelelanisa. Khumbula isizathu sokuba wenza le nguqulelo kukuphucula imali yakho kwaye wenze ikusasa elikhuselekileyo ngokwakho.
6. Khetha ikariti yekhredithi kwaye uhlawule ngaphezu kokuncinci . Nangona iinjongo zokuphela kukuhlawula zonke iikhadi lakho lekredithi, uzama ukuzihlawula zonke ngelo xesha akuyona indlela efanelekileyo kakhulu. Kunoko, gxininisa ekuhlawuleleni amakhadi enkokhelo kanye ngexesha. Unokuqala ngenye yezinga eliphezulu lesenzalo, ibhalansi ephezulu, ibhalansi ephantsi, okanye nayiphi na enye ikhadi onokuyinqabela. Okubaluleke kakhulu kukuba ukhetha ikhadi kwaye uchithe ubuninzi bemali yakho eyongezelelweyo ukuhlawula imali leyo. Njengoko uhlawula nganye ikhadi lekhredithi, khetha enye ukuba ugxininise kuze kube yilapho zonke zihlawulwa.
Sebenzisa i- calculator yokuhlawula iakhadi yokuthenga ngetyala ukukunceda ukuba ufumane indlela engcono yokuhlawula ityala lakho kwaye ufumane ingcamango yokuba uya kugqitywa ekuhlawuleni iikhadi lakho lekredit.
7. Zama ukulondoloza imali kumdla . Ukuba usenayo i-credit card enhle, unokukwazi ukugcina imali kwinzala ngokucela umniki wekhadi lakho lekhredithi ngenqanaba elincinane lomdla okanye ngokusebenzisa inzuzo ye-balance% 0%.
Ngaba Ufanele Ufunge NgeeKhadi zeMatyala ngokulungileyo?
Emva kokulwa netyala lekhadi lesikweletu, abaninzi abantu banquma ukungazisebenzisi kwakhona amakhadi wesikolodo. Gcina ukhumbule ukuba amakhadi ekwereta ayenzibi-yindlela osebenzisa ngayo amakhadi esikwereti angakunceda. Ukungabi nekhadi lesikweletu kunokukwenza ezinye iintengo, njengokuqeshisa imoto, encinci. Nantsi into ongayenza ukuze ugweme ukubuyela kwiinkathazo zekhadi lesikweletu.
Sebenzisa kuphela oko unokukwazi ukukuhlawula ngenyanga . Gwema ukusebenzisa ikhadi lakho lesikweletu njengengeniso yokufumana imali. Ukuba awukwazi ukuthenga into ethile ngemali, awukwazi ukuwuthenga, kungekhona nekhadi lesikweletu.
Bhatala ibhalansi yakho ngokupheleleyo ngenyanga . Emva kokuba ugxininise ekusebenziseni imali kuphela enokukwazi ukuyihlawula ngenyanga, unokukwazi ukuhlawula ibhalansi nganye ngenyanga. Le yindlela yodwa yokugcina amakhadi akho ekhredithi phantsi kolawulo kwaye ugweme ityala lekhadi lesikweletu.
Ukuba, ngenxa yezizathu ezithile, unomuvo wokuthi awuqeqeshi ngokwaneleyo ukulandela le mithetho, kungcono ukuba ungabi nekhadi lesikweletu. Ikhadi lokubambisa okanye ikhadi elihlawulwa kuqala liya kukuvumela ukuba wenze izinto ezifanayo onokuzenza kunye nekhadi lesikweletu ngaphandle kokufumana ityala.