Yintoni enokuyenza xa izinga lakho lomdla wekhadi lesikweletu landa
Enye yezikhwama zekhadi zekhredithi ziyaziwayo ngokuba zikhula ngokukhawuleza. Kakade esinye sezizathu kubonakala ngathi ngokukhawuleza kukuba abaninzi abanokukhishwa ngamakhadi okuthenga ngetyala banokukuthumela isaziso seentsuku ezili-15 ngaphambi kokunyusa izinga lomdla wakho.
Ukuphuma kwezinga eliphezulu
Xa izinga lakho lomdla likhuphuka, uya kuba nexesha lokuphumla elikuvumela ukuba unqabe ukutshintsha kwezinga lomyinge. Ukuba ukhetha ukuphuma, i-akhawunti yakho iya kuvalwa kwaye ungaqhubeka nokuhlawula ibhalansi yakho ngenani eliphantsi. Xa ibhalansi ihlawulwe ngokupheleleyo, awuyi kuba nako ukusebenzisa ikhadi, kuba i-akhawunti ivalwe.
Kukho ezinye iimeko onokungafuni ukuvalela iakhawunti yakho yekhadi lekhredithi kuba iya kuphazamisa amanqaku akho ekwereta-njengokuba sele sele inokulinganisela kuyo okanye ikhadi lakho lekredithi elidala. Kwimeko apho, kukho ezinye izinto onokuzenza.
Ukuxoxa ngezinga eliphantsi
Biza umnini-mali kwaye uyanciphise . Ukuba izinga lakho lesenzalo liye landa ngenxa yokugqwetha okanye ukungafihlisiyo kwinqanaba lakho, awukwazi ukufumana umyinge wenzalo ukwandiswa, nokuba ngaba kukho ikhadi lekhredithi ehlukile. Ngakolunye uhlangothi, ukuba uhlale uhlawula i-akhawunti yakho ngexesha kunye nesinye slip-up siphumelele kwisantya senzala eyandayo, unokukwazi ukuthetha umnikeli wakho wekhadi ekunciphiseni umlinganiselo wakho wenzala.
Ukuhlawula i-balance pronto
Ukuhlawula imali eninzi njengoko unako ngaphambi kokuba ukwanda kusebenze. Ukuba unokunciphisa ibhalansi yakho ngaphambi kokuba inzala entsha ithathe ukusebenza, awuyi kuvakalelwa kwinqanaba lezinga. Unokuba unqumle ukuchitha imali kwiminye imimandla ukubeka imali engaphezulu kwibhalansi yakho yekhadi lesikweletu.
Ukutshintshela kwikhadi elingaphantsi kwekhadi
Ukutshintshela ibhalansi kwinqanaba lomncinci lomlinganiselo wesikweletu. Ngaphambi kokuba wenze ukutshintshela ibhalansi, qiniseka ukuba unelungelo elaneleyo lokufumana i-balance balance. Unokuqhathanisa nayiphi na imali yokudlulisela imali ngokumalunga neendleko zokuhlawula ibhalansi yakho kwizinga eliphezulu lomdla. Imali yokudluliselwa kwemali ingadlulisa iindleko ezongezelelweyo zezimali ozozihlawula. Kwimeko apho, ukutshintshela ibhalansi kuya kuba kubiza.
Yamkele iinguqulelo
Gcina ikhadi kwaye uhlawule ibhalansi kwintsha, inzala ephezulu. Nangona kungenokuba isisombululo esifanelekileyo, kusenokuba yedwa kuphela. Xa kungekho nenye yezinye iindlela ongakhetha kuzo, uza kufuneka uhlawule ibhalansi kwizinga eliphezulu lemali. Kule meko, kufuneka uhlawule imali ngokukhawuleza ukuze ukwazi ukuhlawula iindleko eziphezulu zemali.
Ngethuba nje ngokuba uqhubeka ukwenza iintlawulo zakho ngexesha (kuzo zonke i-akhawunti yakho) kwaye uhlale ngaphantsi komda wakho wesikweletu, umnikeli wakho wekhadi lokuthenga ngetyala unokunciphisa izinga lakho lomdla emva kweenyanga ezintandathu ukuya kwezilishumi elinesibini. Ungesabi ukubiza nokucela isilinganiselo esezantsi ukuba kufuneka.