Khetha ikariti elifanelekileyo lokuthenga ngetyala.
Kukho amakhulu emakhadi-mboleko ukuba ukhethe kwaye kwaye nayiphi na enye ingaba yileyo okanye ingalunganga kuwe . Ngaphambi kokufaka isicelo, vavanya oko ufunayo kwikhadi le-credit-rate interest rate, umvuzo wokuhamba, u-0% wokutshintshela ibhalansi - kwaye usetyenzise kumakhadi-mboleko ahambelana nemilinganiselo.
Funda ukushicilelwa okulungileyo.
Kwinqanaba elincinci, kufuneka ufunde imimiselo kunye neemeko zekhadi lesikweletu, echaza ixabiso lekhadi lakho lesikweletu. Emva kokuba uvunyiwe, uya kufumana isivumelwano esipheleleyo sekhadi lesikweletu , esiyikhontrakthi esinde kakhulu esichazela yonke imithetho yekhadi lakho lesikweletu. Ufumana ikopi yesivumelwano sakho sekhadi lesikweletu ngokubiza umnini-makhadi wakho wekhadi, ukujonga i-akhawunti yakho ye-intanethi okanye ngokutyelela i-database ye-credit card yesivumelwano sekhadi lesikweletu.
Qonda iirhafu zakho zenzala.
Amakhadi eemboleko ayenamazinga ahlukeneyo anomdla asebenza kwiintlobo ezahlukeneyo zemali.
Kubalulekile ukwazi ukuba yeyiphi izinga lentengo esetyenziswayo kwiyiphi imilinganiselo yakho. Iintlawulo zakho zekhadi zekredithi, ngokukodwa ukuba uhlawula ngaphezu kweyona nto, ziza kwahlulwa phakathi kwezilinganiso ezineentlawulo ezahlukeneyo. Oku kwenziwa ngokusemthethweni ngokusekelwe kumthetho we-Federal kunye nomgaqo-mali wokunikezelwa kwekhadi lomthengi, nangona ufuna ukuba inkokhelo iya kwi-balance balance.
Yazi i mirhumo yakho.
Ezinye iimali - njengemali yonyaka - zihlawulwa ngokuzenzekelayo nje ngokuba nekhadi lakho. Ezinye iirhafu - njengemali yokudlulisela imali-zihlawuliswa kuphela kwiintlobo ezithile zokuthengiselana. Ukuqonda iimali zekhadi lakho lekhredithi yindlela kuphela yokunciphisa iindleko zokuba nekhredithi. Ukuba ulawula ikhadi lakho lokuthenga ngetyala, unokusebenzisa ikhadi lakho lekredithi mahhala.
Funda isitatimenti sekhadi lakho lesikweletu.
Isitatimende sakho sekhadi lesikweletu liqule ubuninzi beenkcukacha malunga nomsebenzi kwi-akhawunti yakho ngexesha lomjikelezo wangaphambili wokuhlawula . Musa ukuthatha into yokuba yonke into ekhadini lakho lekhadi lekhredithi lichanekile. Unokufumana iintlawulo ezingasetyenziswanga ngokuchanekileyo, iintlawulo ezingazange zithunyelwe kwi-akhawunti yakho, okanye ukuthengiselana kwe-akhawunti yakho. Kwaye ukuba awuzange ufunde isitatimenti sekhadi lakho lesikweletu, awuyi kufumana ezi mpazamo.
Bhalisa kwi-akhawunti yakho ye-intanethi.
Ukulawula ikhadi lakho lesikweletu akuzange kube lula. Uninzi lwabakhupheli bekhadi lokuthenga ngekhredithi likuvumela ukuba wenze i-akhawunti ye -intanethi ekulawuleni ikhadi lakho lesikweletu, ukwenza okanye ukulungiswa kweentlawulo, ukuhlaziywa kwemali, ukuqinisekisa umda wakho wemali, kunye nokunye. Unokwazi ukukhuphela i-app ye-smartphone okanye ithebhulethi ukwenza ulawulo lweakhawunti yakho yekhadi lekredithi.
Yazi amalungelo akho.
Umfaki-sicelo ngamnye wekhadi lekhredithi kunye nomnini wekhadi lomthengi unamalungelo athile ekhadi lesikweletu Umzekelo, umniki wekhadi lakho lekhredithi kufuneka agcine umhla wakho wokuhlawula ngosuku olufanayo lwenyanga nganye kwaye uthumele isitatimenti sekhadi lakho lesikweletu ubuncinane iintsuku ezingama-21 phambi komhla ofunekayo.
Musa ukuxhomekeka kumakhadi-mboleko.
Ukuxhomekeka kwekhadi lokuthenga ngetyala kuyingozi yaye kunokukhokelela ekubeni ityala, ingxaki yemali kunye nekhredithi embi. Ukuba uqaphela ukuba usebenzisa amakhadi enkoleko ngaphezulu nangaphezulu inyanga nganye ngaphandle kokuhlawula ibhalansi ngokupheleleyo, lixesha lokubuyisela kwimikhwa yekhadi lakho lesikweletu. Vala i-akhawunti yakho kwaye uyihlawule xa kukugcina ungangeni kude ukuya kwiikolo.
Qhubeka neentsuku zakho ezifanelekileyo.
Ukuhlawulwa kwekhadi lakho lesikweletu ngexesha nganye inyanga nganye kukubalulekileyo ekukhuseleni iimali ezidlulileyo kunye nokugcina amanqaku omvuzo . Inkokhelo nganye yekhadi yekhredithi iya kuhlawulwa ngomhla ofanayo ngenyanga, ngoko ubuncinane awunayo ukujongana nemihla eyafunekayo.
Uninzi lwabakhupheli bekhadi lokuthenga ngetyala liya kukuvumela ukuba utshintshe usuku olufanelekileyo ukuba kukho olunye usuku olulungele ngakumbi kuwe. Ungasebenzisa uluhlu lokutshekisha okanye usethe izikhumbuzi kwifowuni ukugcina imihla yakho efanelekileyo .
Ukuhlawula ngokupheleleyo kulungile.
Indlela efanelekileyo yokulawula ibhalansi yakho yekhadi lesikweletu ukuyihlawula ngokupheleleyo inyanga nganye. Ngokuhlawula ngokupheleleyo, uphepha umdla kwaye ukhuphe umngcipheko wokuya kwetyala. Ukwazi ukuba ukuhlawula ibhalansi yakho ngokugcwele kufuna ukuba ugcine ikhenda lakho lekhadi lokuthenga ngetyala.
Ukuhlawula ngaphezu kokuncinci kulandelelwano olufanelekileyo.
Ukuba awukwazi ukuhlawula ibhalansi yakho ngokugcwele, hlawula kangako njengoko unakho ngaphezu kwenkokhelo encinci. Ngaphandle koko, ibhalansi yakho iya kwehla ngokukhawuleza nje ngokuba ininzi yentlawulo yakho iya kufikelela kwiindleko zemali . Kuthatha ixesha elide ukuhlawula ibhalansi yakho kwaye ugqiba ukuhlawula ngaphezulu inzala kunokuba uhlawule ibhalansi yakho ngokukhawuleza.
Bhatala amakhadi akho enye ngexesha.
Kunokuba uzame ukuhlawula amanqanaba amaninzi kwixesha elide, gxininisa ekuhlawuleni ikhadi elinye lekrediti ngexesha. Beka yonke imali yakho eyongezelelweyo kwikhadi elinye ngelixa uhlawula ubuncinci kwezinye iikhadi lamatyala. Qhubeka usebenzisa le ndlela kumakhadi akho ekhredithi ade ahlawulwe. (Le ngenye yezihlandlo ezimbalwa kulungile ukuhlawula ubuncinane kwikhadi lakho lekhredithi.)
Njalo qwalasela ibhalansi yakho kunye nekhredithi ekhoyo ngaphambi kokuchitha.
Ngaphambi kokuthenga amakhadi amatyala ekhredithi, hlola ibhalansi yakho yamakhadi ngokuthenga okanye ukungena kwi-akhawunti yakho ye-intanethi. Oku kubaluleke ngakumbi ukuba uceba ukwenza izinto ezininzi zokuthenga okanye wenza i-credit card enkulu yokuthenga.
Gcina ukuthenga kwakho kubhajethi yakho.
Isihluthulelo sokugcina ibhalansi yekhadi lakho lesikweletu kwinqanaba onokukwazi ukuhlawula ngokupheleleyo inyanga nganye kukuqwalasela ibhajethi yakho njengoko uthenga. Xa imali yakho yekhadi lekhredithi idlula oko kufumaneka kwisabelomali sakho, usemngciphekweni wokungakwazi ukuhlawulwa ngokupheleleyo ngenyanga leyo.
Qinisekisa ukuba iintlawulo zakho zisetyenziswe kakuhle ngenyanga nganye.
Ingaba uthumela iintlawulo zakho, zenzele kwi-intanethi kwiwebhusayithi yakho yomthengi wekhadi, okanye uhlawule kwi-bhanki ye-bhanki yakho ye-intanethi, kufuneka uhlale uqinisekisa ukuba inkokhelo yakho isetyenziswa ngokuchanekileyo. Qhagamshelana nomniki wekhadi lakho lesikweletu xa ubona into ephosakeleyo ngentlawulo yakho, ingakumbi ukuba ayifani neengxelo zakho zebhanki.
Musa ukukhupha imali okanye usebenzise ukuhlola okulula.
Inkqubela phambili yemali yinye yeendleko ezininzi kakhulu zokuthengiswa kwekhadi lesikweletu. Akukona nje ukunyuka kwemali rhoqo kunokufumana imali, nawe awufumani ixesha lobabalo . Inzala iqalisa ukukhawuleza ngoko nangoko, ngoko kungakhathaliseki ukuba unokukhawuleza njani ukuhlawula imali yakho kwangaphambili uya kuhlala uhlawula umdla. Kwaye ukuba unomnye uhlobo lokulinganisela kwikhadi lakho lesikweletu, intlawulo yakho inokuhlulwa phakathi kwezilinganiso kunye nokuhamba kwangaphambili kwemali kuza kuthatha ixesha elide ukuhlawula.
Ungabi neentloni malunga nokuqhagamshelana nabathengi.
Unako-kwaye kufuneka udibanise nomniki-khadi wakho wekhadi kunye nayiphi na imibuzo okanye uxhalaba malunga nekhadi lakho lekhadi lesikweletu. Qhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala, umzekelo, ukuba ubona iindleko zobuqhetseba kwi-akhawunti yakho, ungafaki ikhedi lakho okanye ube nekhredithi yakho eyebiweyo, unombuzo malunga nomvuzo wakho, okanye ungathanda ukucela umlinganiselo wesikweledu omkhulu okanye izinga eliphantsi lomdla .
Bika iindleko ezisolisayo.
Qhagamshelana nomniki wekhadi lakho lesikweletu xa ubona ukuthengiselana kwiakhawunti yakho ongayenzayo ngaphandle kwemali. Ngamanye amaxesha, amasela "aphawula" amakhadi enkoleko ngokwenza ukuthenga okuncinci kuqala ukuqinisekisa ukuba ikhadi lekhredithi liyasebenza. Amasela kamva athabathe ikhadi lekhredithi ngokuthenga ezinkulu. Umthetho we-Federal kunye nemigaqo-nkqubo yekhadi yekrediti ngokukhawuleza inciphisa uxanduva lwakho lweentlawulo zobuqhetseba , kodwa ukuthintela ukweba kukusindisa inkohlakalo yokuba neentlawulo ziguqulwe.
Awunamakhadi amaninzi kumatyala.
Ukuba namakhadi amaninzi emakredithi aya kwenza kube nzima ukuyiqonda. Ukuhlawulwa kwemihla efunekayo kunzima ukuhambisana nayo. Kukho iintlawulo ezininzi ukwenzela inyanga nganye. Kwaye kunzima ukwazi ukuba yeyiphi i-balance and does not. Yintoni ebaluleke ngokuba " amaninzi amanqaku amakhadi " ahluka ukusuka kumntu ukuya kumntu, kodwa ukuba amakhadi akho ekhredithi ayenaxanduva, luphawu lokuba sele uninzi kakhulu.
Musa ukulibala ukuba ibhalansi yakho yekhadi lesikweletu iyimboleko.
Ucwaningo luye lwabonisa ngokuphindaphindiweyo ukuba abantu bathambekele ukuchitha ngaphezulu ngamakhadi-krediti kunokuba babe nemali. Kodwa, oku kunyuka kwenkcitho yinto eyenza abantu bazinzulu kwiibatyala. Njengoko usebenzisa ikhadi lakho lekhredithi, soloko ukhumbula engqondweni ukuba kufuneka uhlawule yonke into yokuthenga kwikhadi lekhredithi. Ukuthengwa kwekhadi ngalinye lekhredithi owenzayo liboleka kwiholo lakho elizayo.
Jonga izinto ezingcono kuneemakhadi onayo.
Abaniki bamakhadi ngamakhadi bahlala bekhupha amakhadi ekwereta angcono okanye imigaqo yamakhadi okuphucula. Njengoko ikhredithi yakho iphucula, unokufanelekela kwikharityhulam engcono kunetyala. Ukuba uhlawula umyinge omkhulu wenzala okanye ikhadi lakho lesikweletu alikho inkqubo enkulu yokuvuza, jonga ikhadi lekhredithi elingcono. Umniki wakho wekhadi lokuthenga ngetyala ungakulungela ukukunika into engcono yokukugcina ukuba ungatshintshi, kodwa ukuba unelungelo lokufumana into engcono, akukho sizathu sokuba ungahambi.
Ungesabi ukukhansela ikhadi elingasenakunceda.
Ukuvala ikhadi lekhredithi kunokuchaphazela amanqaku akho okwekhredithi, kodwa unokwenjenjalo ukuhlawulela kule nto ukuba unembali yesikweletu esinamandla. Ukuba ikhadi lakho lekhredithi linomrhumo ophezulu waminyaka yonke, umda wesikweletu esincinci, okanye umrhumo ophezulu ophezulu, kuhle ukuvala ikhadi lekhredithi. Qinisekisa ukuba uhlawule ibhalansi kwaye ukhangele ingxelo yakho yekredithi ukuqinisekisa ukuba ikhadi lekhredithi livaliwe.