Ukuba ucinga ngokufumana ikhadi lokuthenga ngetyala kunye nomlingane, umlingane, okanye umntwana, ukwazi i-pros ne-cons, kunokukunceda ukuba unqume ukuba ingaba yinto efanelekileyo.
Iingenelelo zeeKhadi zeKhanti eziNye
Ukwabelana ngesilwayo . Xa wena kunye nomnye umntu, umlingani wakho umzekelo, unokuqeshisa enye, ibhayiseti enye yombane, enye yentlawulo ye-cell phone, kubonakala kungokwemvelo ukwabelana nge-bill card. Ukuba ne-bill enye encinci yokuhlawula inokukuvumela ukuba wenze ininzi yengeniso yakho. Ngaphezulu, xa lixesha lokuhlawula ityala lakho, uya kuba nexesha elilula ukhetha ukuba yiyiphi ikhadi lokuhlawula kuqala.
Uncedise umntu omnye ukuba athathe iitaliti ezingcono . Ukongeza umlingane okanye ilungu losapho ngekhredithi engalunganga kwikhadi lakho lesikwerethi kunokubanceda bafumane i-credit card engcono. Kodwa kuya kusebenza kuphela ukuba ikhadi lekhredithi lilawulwa ngokufanelekileyo-ibhajethi iyahlawulwa ngexesha kwaye ibhalansi igcinwa iphantsi.
Nceda umntu omnye athathe ikhadi lekhredithi / inzala enomdla xa bekungenjalo. Ukongezwa njengomsebenzisi odibeneyo kunokuphela kwendlela yokufumana iqabane lakho ikhadi lokuthenga ngetyala, okanye ukufumana inzala ephantsi.
Iingxaki zokuba neKhadi leKhadi elidibeneyo
Bobabini abantu banemithwalo esemthethweni yokwenza iintlawulo. Oko kuthetha ukuba umniki wekhadi lokuthenga ngetyala unokuthatha isenzo somthetho kuwe ngenxa yentlawulo ongeyenzi.
Unokuze uhlawulwe kwaye umvuzo wakho ulungiswe.
Ukungavumelani kwekhadi lokuthenga ngetyala kungabangela iingxaki zobudlelwane . Ku-poll eyenziwe ngo-2008 kwi-CreditCards.com, i-19% yabaphenduli abaye babelana ngekhadi lesikweletu bathi baxabana nomnye umntu malunga ne-akhawunti. Iipesenti ezisixhenxe zathi ziye zacima ikariti ekwabelwana ngayo ngekhredithi ngenxa yokuba ibangele iingxaki zobudlelwane.
Ukutshatyalaliswa okanye ukwahlukanisa kwenza kube nzima ukulawula ikhadi lekhredithi . Kungakhathaliseki ukuba umyalelo wesahlukaniso uthini, umniki wekhadi lokuthenga ngetyala uyakubamba kwisivumelwano sangaphambili sekhadi lesikweletu. Ngoko ukuba wakho umlingane owayengumlingani akahlawulanga isabelo sakhe sebhilidi zekhadi lesikweletu, i-credit yakho ingayichaphazela. Kunzima nakakhulu ukulawula i-bill yekhredithi yemali-mboleko ukuba unqamle umtshato nomntu onokuthandana naye okanye umhlobo okanye ilungu lentsapho.
Omnye umntu angasebenzisa ikhadi lekhredithi ukulimaza omnye . Kuyavakala ukuba umntwana, kodwa kwenzeka, ngokuphindaphindiweyo emva kokuhlukana. Omnye umnikazi wekhadi angahamba ngokuphindisela ukuchitha i-splurge, emshiya omnye umgcini wekhadi kunye ne-bill. Ukuba impindiselo-umcebisi sele sele enetyala elibi, yena (okanye yena) akanakho ukulahlekelwa yikhadi lekhredithi elixutywe okanye ezinye iintlawulo zexesha elifutshane.
Ngaba Unokwabelana ngeKhadi leMatyala?
Kuqiqile ukugcina amakhadi eetyala ezihlukeneyo. Ngaphambi kokuba wenze isigqibo sokufumana ikhadi lokuthenga ngetyala, hlaziya izizathu zakho zokwabelana ngekhadi lesikweletu. Inhlolovo ye-CreditCards.com, i-9% kuphela yabaphenduli bathi baziva bebesondele kumntu emva kokubelana ngekhadi lesikweletu. Ngokufanayo, ama-9% athi avakalelwa ngakumbi ekulawuleni ubudlelwane.
Xoxa ngeenzuzo kunye neengxaki zokuba nekhadi lokuthenga ngetyala. Qinisekisa ukuba bobabini abantu baqonda umphumo wokwahlukana kunokuba neembali zakho zembali.