Nabani na onobungozi bekhadi lekhredithi ethwele inkokhelo enkulu yamatyala ekhredithi. Emva kokuba uqokelele kakhulu ityala lamatyala ekhredithi kunokuthatha iminyaka emininzi kunye nomrhumo wokuhlawula. Njengoko usebenzisa amakhadi akhotyala, zigcine ezi ngcebiso ekukhuseleni ityala lekhadi lesikweletu.
01 Yiba neengxowa-mali zexakeka.
02 Khangela kuphela oko unokukwazi ukukwenza.
Gwema impazamo yokusebenzisa ikhadi lekhredithi ukuthenga izinto ongenakukwazi ukuzenza. Unokuphepha ityala lekhadi lokuthenga ngetyala ngokuthenga kuphela oko unokukwazi ukukuhlawula. Nantsi umgaqo jikelele wokulandela: ukuba awukwazi ukuhlawula imali, awukwazi ukuhlawula.
03 Gwema ukuhanjiswa okungabalulekanga kwemali.
Musa ukudlulisela amabhalansi ukusuka ekhadini ukuya ekhadini ukuphepha imihla yakho efanelekileyo. Ukuba udlulisela ibhalansi kwelinye ikhadi le-credit card, unesizathu esihle, njengokusebenzisa inzala engaphantsi. Ngaphandle koko, ibhalansi yakho iya kukwanda ngenxa yemali yokudlulisela imali.
04 Ungaphuthelwa iintlawulo zekhadi lesikweletu.
Ukuhlala kwindlela kunye neentlawulo zekhadi lakho lokuthenga ngetyala ngenye yezindlela ezifanelekileyo zokuphepha ukuhlawulwa kwekhadi lesikweletu. Xa ulahlekelwa intlawulo, inkokhelo yakho elandelayo kuba iya kuba phezulu kakhulu kuba kuya kufuneka wenze iintlawulo ezimbini kunye nokuhlawula umrhumo wexesha elifutshane. Kuyanzima ukufumana, ubeka uhlahlo lwabiwo-mali, kwaye kukulinga ukuba usebenzise amakhadi akho ekwerethi ukuze ufikelele.
05 Bhatala ibhalansi yakho ngokupheleleyo ngenyanga.
Ukuba ufuna ukukhusela ityala lekhadi lesikweletu, hlawula ibhalansi yakho yekhadi lesikweletu nganye ngenyanga. Ngaloo ndlela, awusoze wathwala umlinganiselo kwaye uphelise ngokupheleleyo umngcipheko wokungena kwi-credit card. Awunakuze uxhalabe malunga nokuba unako ukuhlangabezana nentlawulo encinci kuba ikhadi lakho lekredithi sele lihlawulwe ngokupheleleyo. Ngokuqinisekileyo, oku kuthetha ukuba unokuchitha imali eninzi njengoko unako ukuhlawula ngenyanga enye.
06 Yazi iimpawu zetyala lekhadi lekhredithi.
Abantu abaninzi baphela ngetyala lekhadi lesikweletu ngenxa yokuba abazange bazi ukuba behamba. Ukuba uqaphela iimpawu zokuqala zetyala lekhredithi, ungakuphepha ukufikelela kwiityala ngokupheleleyo. Ngokomzekelo, ukungakwazi ukuhlawula ibhalansi yakho epheleleyo yimiqondiso yokuba uhamba ngetyala lekhadi lesikweletu.
07 Gwema ukunyuka kwemali.
Inkqubela phambili yemali enye yeendlela ezimbi kakhulu zokusebenzisa ikhadi lakho lesikweletu. Ukuba kufuneka usebenzise ikhadi lakho lekredithi ukuze ufumane imali, mhlawumbi ujongene neengxaki zemali. Ngaphandle koko, uya kukhipha imali kwi-akhawunti yakho yasebhanki.
Ukunyuka kwangaphambili kwemali ngokuqhelekileyo kungenye yeendlela zokuqala zamatyala ekhredithi. Sebenza ekulungiseni uhlahlo lwabiwo-mali kwaye udale ingxowa-mali engxamisekileyo ukuze ungasisebenzisi ukuhamba kwangaphambili kwemali kwimeko engxamisekileyo.
08 Musa ukuboleka ikhadi lakho lesikweletu.
Xa omnye umntu usebenzisa ikhadi lakho lesikweletu, awukwazi ukulawula indlela abasebenzisa ngayo. Nangona loo mntu uthi baya kulihlawula ibhilidi yakho yekhadi lesikweletu, ekugqibeleni unoxanduva lweentlawulo azenzileyo. Oko kuthetha, ukuba baya kuchitha imali kwaye bayenqaba ukuhlawula, uya kufuneka uhlawule imali.
09 Qonda amagama akho ekhadi lesikweletu.
Funda ngesivumelwano sakho sekhadi lesikweletu kwaye uqinisekise ukuba uyayiqonda indlela inzala iza kusebenza ngayo kwi-akhawunti yakho, nini uza kuhlawuliswa umrhumo, kwaye nini i-interest rate yakho iya phezulu. Ukuqonda ezi mpawu zekhadi lakho lekredithi kunokukunceda ukuba ugweme ityala lekhadi lokuthenga ngetyala ngenxa yokuba uyaqonda ukuba ukusebenzisa iikhadi lakho lekredithi libiza ngaphezulu.
10 Misela inani lakho lamakhadi-mboleko.
Iimakhadi ezithengiweyo ngaphezulu, unako ukuhlawula ngaphezulu. Unokuba nolwazi olukhulu lokuzilawula, kodwa kungcono ukuba ungazamezi ngamawaka eedola kwi-credit ekhoyo. Nciphisa inani lamakhadi-mboleko kwisikhwama sakho ukuze ugweme ityala lekhadi lesikweletu.