Unokuchitha inqaku elifanelekileyo lekhredithi kwi-blink yesiso. Konke oku kuthatha iiplayipi ezimbalwa zekhadi lesikredenti kunye neentlawulo ezimbalwa ezingaphuthekanga kunye nomlinganiselo wakho wekhredithi uphathwe iminyaka embalwa ezayo. Nazi iindlela ezimbalwa zokuchitha inkokhelo yakho yekhredithi ngokucacileyo ufuna ukuyiphepha.
Vula ikhadi lesikweletu ngaphambi kokuba ulungele.
Ngoxa unako ukufumana ikhadi lokuthenga ngetyala ngeminyaka eyi-18 ukuya kwelinye ubudala - ukuba unomncinci - oneminyaka yobudala akuthethi ukuba ulungele.
Ngaphambi kokuba ufake isicelo sakho kwikharityhulam yakho yokuqala, kufuneka ube neendawo ezisisiseko zezemali endaweni. Ngaba unokusingatha i-akhawunti yokujonga ngaphandle kwe-overdrafting? Ngaba unako ukwenza izihlandlo ngaphandle kokuxelelwa? Ulawula njani imali? Ngaphandle kwezakhono ezithile zezimali ezisisiseko , uqinisekile ukuba uzonakalise i-credit yakho ukuba uyisebenzise.
Vula ikhadi lekhredithi ngaphandle komsebenzi ozinzile.
Abaniki bamakhadi bamakhadi kufuneka bacele imali yakho yenyanga ngaphambi kokuvuma ukuba ikhadi lekhredithi. Nangona kunjalo, abahlali bacela ubungqina bemivuzo okanye inani lexesha oqeshwe ngalo. Ngaphambi kokuba ufumane ikhadi lokuthenga ngetyala, qiniseka ukuba unemivuzo engaguqukiyo ukwenza iintlawulo zakho zenyanga. Ngaphandle kwemali engenayo rhoqo ngenyanga , unako ukukwazi ukwenza iintlawulo zakho zekhadi zenyanga zekhredithi kunye nekhredithi engalunganga.
Vula amakhadi amaninzi ematyala ngokukhawuleza.
Abantu abadala abasanda kuqalwa ngetyala baya kwenza le mpazamo. Kukwa kwenzeka nakwabantu abadala abaye banetyala iminyaka.
Ukuvula amakhadi amatyala amaninzi ngexesha elincinci ngokuqhelekileyo libonakalisa uphawu lokuchitha imali enkulu, enye inokukhokelela kwimilinganiselo engenakulungiswayo kunye neentlawulo ezigqithisileyo.
Dweba iirhafu zekhadi lakho lekhadi.
Akunandaba nokuba uyakhohlwa ukuhlawula, akunakukwazi ukuhlawula, okanye ulahlekelwa ngenjongo yokuhlawulwa kwekhadi lakho lokuthenga ngetyala leenyanga, umlinganiselo wakho wekhredithi uza kuphazamiseka nayiphi indlela.
Emva kweentsuku ezingama-30, ukuhlawulwa kwekhadi lakho lokuthenga ngetyala ngexesha elidlulileyo lixelwe kwi- credit bureaus kwaye emva kweenyanga ezintandathu i-akhawunti yakho ithathwa njengeyiyo . Ekubeni imbali yentlawulo yinto ebaluleke kakhulu ekuthintela umlinganiselo wakho wekhredithi, iintlawulo ezingekho phantsi zingenza umonakalo omkhulu.
Ungayihoxiswa ixesha elidlulileyo ngenxa yeebhili, kuquka neendleko zonyango.
Ukuba uhamba kwaye ungayihlawula ikhebula lokugqibela okanye ibhajethi kagesi, iinkampani ziya kuza emva kwakho ukuhlawula. Baza kukubiza kwaye bathumele iincwadi ngeenyanga ezimbalwa ukuze bazame ukukufumana. Ukuba oko kungaphumeleli, baya kufumana abaqokeleli bamatyala abandakanyekayo. Xa umqokeleli wetyala ethatha i-akhawunti, baya kufaka ulwaphulo-mali kwingxelo yakho yekhredithi, eya kuchitha inkokhelo yakho.
Vumela umntu ongenakutyala ukusebenzisa ikhadi lakho lesikweletu.
Ngaphandle kokuba umntu ethathe ikhadi lakho lekhredithi, unembopheleleko yokuthengwa okwenziwe kwikhadi lakho. Ngoko ke, ukuba uvumela udade wakho omncinci ukuba alibole ikhadi lakho nge pizza kwaye uyigxotha kwiingubo kunye nezicathulo, usekhokhweni lokulinganisela, nokuba unako ukuyifumana okanye awukwazi.
Ukuqhawulwa komntu ongenakuxanduva.
Ukutyunjwa kwekhadi lesikweletu okanye umboleko kaninzi kubonakala ngathi kuyinto efanelekileyo ukuyenza ngexesha. Ufuna ukukunceda umhlobo wakho, kodwa ubeka eninzi kumgca womntu lowo.
Ngokuqhelekileyo, umntu osibhalisile ukuba ahambe, akayi kwenza iintlawulo , kwaye ushiya i-credit yakho kwiindawo. Khumbula ukuba ukudibanisa kuthetha ukuba uyamkela uxanduva xa omnye umntu engayikhokheli. Kufuneka ulungele ukunyathela ukuba uthathe iintlawulo ukuba ufuna ukukhusela i-credit yakho.
Ukukhusela ulwazi lwakho olubucayi.
Abantu abaninzi baba ngamaxhoba olwaphulo-mthetho ngenxa yokuba umntu owaziyo kwaye athembele ngeakhawunti evulekileyo egameni labo. Gcina ulwazi lwakho olukhuselekileyo ukukhusela nabani na ukuba bafikelele kwiakhawunti yakho okanye uvula ii-akhawunti ezintsha kwigama lakho. Oku kubandakanya i-akhawunti yakho yasebhanki, amanani ekhadi lesikweletu, kunye nenombolo yakho yokhuseleko loluntu.
Emva kokuba uchithe umlinganiselo wakho wekredithi, ukufumana bhetele kuthatha ixesha elininzi kunye nexesha-kwintlawulo. Iimpazamo ozenzileyo ziya kukulandela ubuncinane iminyaka eyisixhenxe, kodwa ngethamsanqa abayi kujonga okubi xa uphendukela imikhwa emibi kwaye uqala ukuxanduva lakho ngetyala.