Ukufumana umyinge omkhulu wemiphumo kuthatha ixesha elide kunye nokuchitha imali - into yokugqibela ofuna ukuyilahlekelwa yimbuyekezo yakho. Nangona umlinganiselo omncinci wembuyekezo, njengentengo ye-credit statement ye-$ 25 ingadinga amakhulu emadola kwiindleko kunye neenyanga eziliqela ukuqokelela. Ukulahlekelwa ngumvuzo wakho wekhadi lesikweletu unokuphanthe uzive ngathi ulahlekelwa yimali ekhoyo kwi-wallet yakho.
Inokumangalisa ukuba ufunde ukulahlekelwa ngumvuzo wakho wekhadi lesikweletu.
Yinyani. Ukushicilelwa kakuhle kweprogram yakho yemivuzo iinkcukacha ezithile eziza kuhlawula i-card credit card. Nangona iiprogram zemivuzo zingahluke kwikhadi lesikredithi ukuya kwelinye, zizinto ezifanele uziphephe ukuba ufuna ukugcina umvuzo wakho wekhadi lesikweletu.
Ukwenza intlawulo emva kwexesha . Mhlawumbi sele uyayazi ukuba ukuhlawulwa kwekhadi lokuthenga ngetyala ngexesha elizayo kunemiphumo emininzi: umrhumo wexesha lokugqibela, ukunyuka kwezinga lentengo, kunye nomonakalo kwikhredithi yakho. Iintlawulo zexesha elide zingakhohla imali yakho yekhadi lesikweletu. Uninzi lwabakhupheli bekhadi lomniki-mali luya kulahleka umvuzo wakho ukuba uthe wafika emva kwekhadi lakho lokuthenga ngetyala.
Inani elichanekileyo leentlawulo oziphosakeleyo ngaphandle kokulahlekelwa yimbuyekezo yakho iya kuhluka ngoxhomekeke kwikhadi lakho lesikweletu. Ngelishwa, mhlawumbi awuyi kubuyisa umvuzo wakho emva kokuba wenze i-credit card payment. Emva kokuba sele behamba, mhlawumbi baye bahamba kakuhle. Qiniseka ngokukodwa ukuba wenze iikhodi zekhadi lakho lekredithi ngexesha xa uhlawule umvuzo ongayisebenzisi.
Kungcono ukuphosakela kwicala lokulumka xa kuziwa ekwenzeni iintlawulo zekhadi lakho lesikweletu. Nangona umntu ongenakuhlawulwa kwentlawulo akayi kuhlawula umvuzo wakho wekhadi lesikweletu, umrhumo wexesha elifutshane uza kukhupha nayiphina imbuyekezo oyifumene nayo.
Iakhawunti yakho ayisebenzi . Akusebenzi nje kuphela ukusebenzisa ikhadi lakho kuthetha ukuba awufumani nayiphi na imivuzo emitsha, kwakhona kukubeka engozini yokulahlekelwa yimbuyekezo oye wayifumana.
(Ungathethi ukuba umniki wekhadi lakho lekhredithi angavala ikhadi lakho lekhredithi xa ungayisebenzisi rhoqo.)
Sebenzisa ikhadi lakho lekredithi malunga neenyanga ezintathu kunye nemivuzo yakho kufuneka ikhuseleke. Bhekisela kwimimiselo yekhadi lakho lekhredithi ukuze ufunde ukuba ukungahambi kakuhle kuya kubiza i-credit card.
Imbuyekezo iphela . Uninzi lwamakhadi-krediti akuvumela ukuba ufumane inani elingenamkhawulo lomvuzo ongapheliyo. Nangona kunjalo, kukho amanye amakhadi esikwereti aya kuphelelwa ngumvuzo wakho xa ungayisebenzisi ngexesha elithile okanye ngomhla othile.
Nika ingqalelo umhla wokuphela kwembuyekezo yakho - ingakumbi imbuyekezo yokugcina ivenkile - kwaye uyisebenzise ngaphambi kokuba iphelelwe yisikhathi. Umnikeli wakho wekhadi lokuthenga ngetyala angenakukuxwayisa xa umvuzo wakho usuphelile-kungase kube kuwe ukugcina ixesha lemivuzo yakho yekhadi lesikweletu.
Ungavumeli ukuba umvuzo uphele ngenxa yokuba awufumani ukusetyenziswa kuwo ngokukhawuleza. Unokwazi ukuwafaka njengengxelo yekhredithi kwi-akhawunti yakho okanye uhlawulele kwikhadi lesipho ongayisebenzisa kwixesha elizayo.
Uvale ikhadi lakho lesikweletu . Xa uvala ikhadi lakho lekredithi , uya kulahla nayiphi na imivuzo oye yaqokelela, nokuba nemivuzo engayithumele kwi-akhawunti yakho ngaphambi kokuba uyivale.
Ukuba unquma ukuba ufuna ukuvala i-akhawunti yakho nayiphi na isizathu, sebenzisa okanye utshintshe umvuzo wakho kuqala ukuze ungalahlekelwa yiyo.
Amanye amakhadi ekhredithi akuvumela ukuba udlulisele umvuzo wakho kwelinye ikhadi lekhredithi kunye neprogram yomvuzo omnye okanye kwinkqubo ye-intanethi ye-intanethi ye-intanethi ngaphambi kokuba uvale ikhadi lakho.
Imivuzo oyifumene njengobhonasi bhaliso ingahlawulwa xa ukhansela i-akhawunti yakho kwiinyanga ezimbalwa zokuvula i-akhawunti. Ukushiya i-akhawunti yakho evulekile ubuncinane ngonyaka (kwaye usebenzisa imivuzo yakho ngaphambi kokuvala ikhadi lakho, kunjalo) kufuneka ikukhusele ekulahlekelweni ibhonasi yokubhalisa .
Ubuyisela izinto ezifumene umvuzo . Abaniki bamakhadi bamakhadi kufuneka babe nelelo elinjengeli ndawo, ngaphandle koko, abantu babeya kukhupha amakhadi abo ukuze bafumane imivuzo baze babuyisele izinto baze bagcine umvuzo. Ungavumeli umngcipheko wokulahlekelwa yimbuyekezo kukugcina into ongayifuniyo okanye ayikwazi ukuyenza. Unako ukufumana loo mivuzo kwakhona ngokuthengwa kwangaphambili.
Ubanjwe uzama ukwenza umdlalo kwinkqubo . Ukuba ungumkhadi wesikweletu sekhredithi , mhlawumbi usoloko ukhangele iindlela zokudala ukuhlangabezana neemfuno zokuchitha imali kwibhonasi yokubhalisa ekhadini lesikweletu. Kufuneka ufumane ubunzulu xa uzama ukufumana ibhonasi yokubhalisa kwikhadi elingaphezulu kwekhadi lesikweletu. Qaphela ukuba awuphuli imiqathango yenkqubo yokuvuza. Ngaphandle koko, ungalahlekelwa yimbuyekezo oyizuzile. Ungaphinde ulahlekelwe ngamaphuzu ukuba ubanjwe ukuthengisa okanye ukuthenga imivuzo.
Ukuthenga kwakho kungaphandle kweendidi zokuvuza . Awuyi kuphucula umvuzo xa uthenga izinto ngaphandle kwemigangatho yokuvuza, kodwa awufumani nanye. Nika ingqalelo kwiintlobo zokuthenga omele ukwenze ukuze uzuze iimvuzo kunye neentlobo zezitolo omele uzithenge kuyo. Ngokomzekelo, i-gas yakho inokufumana umvuzo wekhadi lokuthenga ngetyala unokuvuza ngokuthenga kwiitishi zegesi eziqhelekileyo kuphela, kungekhona kwithengi yegesi eyenziwe kwiivenkile zokugcina.
Ukudluliselwa kwemali kunye nokunyuka kwemali kwakhona akufumani umvuzo. Ukuthengwa kwemali efana neentengo ezifana nokuthengwa kweemali, ukuhlolwa kwee-cashshi, iimali zangaphandle, kunye nokutshintshwa kwentambo akufumani nembuyekezo.
Ufake i-bankruptcy . Unokulahlekelwa ngumvuzo wakho wekhadi lesikweletu nangona ungabandakanyi lelo khadi lekredithi kwi-bankruptcy yakho. Ewe, ukuba uyifake i-bankruptcy, mhlawumbi unenkxalabo malunga nokufumana impilo yakho yezemali ngokulandelelana kunokuba uhlala ugcina umvuzo wakho wekhadi lesikweletu. Qaphela kwakhona ukuba ukufakela i-bankruptcy kunokuchaphazela i-credit yakho kwaye kwenza kube nzima ukufumana umvuzo wekhadi lesikweletu uze uvuselele ikhredithi yakho.
Ulahlekelwa utshintsho kwinkqubo yomvuzo . Ungaphinde ulahlekelwe yimbuyekezo xa umniki wekhadi lesikweletu eguqula inkqubo yomvuzo. Ewe, le nto yinto engekho yolawulo lwakho. Ukuba umnikeli wekhadi lesikweletu unika ithuba lokusebenzisa umvuzo wakho wekhadi lesikweletu ngaphambi kokuba utshintshe inkqubo, qiniseka ukuba wenze ngokukhawuleza ngoko ungalahlekelwa yimiphumo oyisebenzisayo nzima ukuba uzuze. Ngaphandle koko, unokulahlekelwa ngumvuzo wakho wekhadi lesikweletu.