Kukho uninzi lwabantu abacebisa ukuba ufumane ikhadi lekhredithi, kodwa ngaphambi kokuba ukwenze ufanele ugqibe isigqibo sokuba ngaba ungayidinga ngempela ikhadi lekhredithi. Inyaniso kukuba unokufumana ngaphandle kwekhadi lesikweletu. Abanye abantu bacinga ukuba amakhadi ekhredithi awonakali, xa ngokwenene ikhadi lesikweletu linokuba luncedo, xa lisetyenziselwa kakuhle (lihlawulwa ngokupheleleyo nyanga zonke), lunokuba luxanduva olukhulu kunexabiso. Ukuba awuqapheli, unokuwela kumgca wekhadi lokuthenga ngetyala .Ungathanda ukukhetha ukuvala amakhadi akho ekwerethi ukuba unako ngaphezu kweyodwa. Nazi ezintlanu iingcinga ezingafanelekanga malunga nokufuna ikhadi lekhredithi.
01 Ndifuna iKhadi leMatyala lokwenza iNgxowa-mali
02 Ndiyadinga iKhadi leMatyala ukuthenga kwi-Intanethi okanye ukuThengisa iCar
Ekubeni amakhadi enkonzo aqalisiwe, awusayi kufuna ikhadi lekhredithi ukwenza ezi zinto. Enyanisweni, unako ukwenza yonke into ngekhadi lokukhwabanisa onokuyenza ngekhadi lesikweletu, ngaphandle kokuchitha imali ongenayo. Akufanele wenze njalo. Amakhadi e-Debit angasetyenziselwa nawaphi na ikhadi lekhredithi. Oku kutyhila ngokupheleleyo ingxelo yokuba ufuna enye yokurenta imoto. Inkampani yokuqeshisa imoto iya kubamba ikhadi lakho lokubambisa ngemali ethile, ngoko qi niseka ukuba unokufumaneka okuninzi kwi-akhawunti yakho yokujonga. Ngelixa kunokuba kungcono ukuba ube nekhredithi oyisebenzisayo kuphela yokuqasha imoto okanye ukuhlawula amagumbi ehotele, ayimfuneko. Ukukwazi oku kunokukunceda ukuba usebenzise nini ixesha lokusebenzisa ikhadi lokubambisa endaweni yekhadi lesikweletu . Kungaba lula ukulawula indawo yokuqeshisa imoto okanye ukuqeshisa ihotele ngelixa elinye iholide kunye nekhadi lesikweletu, kodwa unokuba nemali esele iyalondolozwa ukuze ukwazi ukuhlawula imali epheleleyo oyenzayo ngenyanga ezayo kwaye ugweme ukuqhuba ibhalansi lakho kwikhadi le khredithi.
03 Ndiyadinga iKhadi leMatyala ngezoNkcitho
Ukuba uceba kakuhle, umele ubeke isikhwama seengxamiseko . Ingxowa yakho yexakeka kufuneka ibe ne-$ 1000.00 kuyo, kodwa kufuneka uzame ukuba neenyanga ezintathu ukuya ezintandathu iindleko ezigcinwe. Le mali imele ikuvumele ukuba ukwazi ukusingatha nayiphi na imeko engxamisekileyo ezayo. Ukuba unomgca kwindlela kwaye kufuneka udityaniswe ungasebenzisa ikhadi lakho lokubambisa ukuhlawula i-tow, kunye neengxowa-mali zakho zongxamiseko ukuze zihlawule ezo ndleko.Inceda ukuba ube nengxowa-mali yakho yongxamiseko kwi-akhawunti yokulondoloza kwaye ibophe kwi-akhawunti yakho yokujonga. . Ngokuqhelekileyo, uninzi lwexesha elikhuselekileyo luza kukuvumela ixesha lokudlulisela imali kwi-akhawunti enye ukuya kwelinye.
04 Ndifuna iKhadi lokuTyala lokuThengisa imali kwiiNtengiso zam
Izitolo ezininzi ziya kunikezela izaphulelo zokuba nekhadi lokuthenga ngetyala . Izitishi aziboneleli amakhadi ukukunika izaphulelo; banikela amakhadi kuba bayaqonda ukuba ngelixa abaninzi abantu banenjongo yokuhlawula ikhadi nganye nyanga, bambalwa abenzayo. Benza okunye kwimbuyekezo kunokuba benzayo kwisaphulelo bayinikela kuwe. Izindleko ezilishumi ezithengayo ekuthengeni, uya kuhlawula enye inzala kwi-bill yeyenyanga yokuqala. Ezinye izitolo zibonelela ngokukhethwa kwekhadi lokubambisa nge-savings efanayo. Unokufuna ukubheka ukusebenzisa oko endaweni yoko.
05 Ndifuna iKhadi lokuTyala lokufumana iMbuyekezo
Ukusebenzisa amakhadi wesikolodo ukuze uzuze umvuzo kungaba ngumdlalo onobungozi wokudlala. Ukuba unembopheleleko kwaye uhlawule ibhalansi yakho ngokugcwele inyanga nganye, unokucinga ukuba unokufumana umvuzo wekhadi lesikweletu. Kufuneka uqinisekise ukuba unayo ikhadi lekhredithi engenakho imali yonyaka. Ukongezelela, kubalulekile ukukhumbula ukuba ikhadi lekhredithi linikeza umvuzo walo kuba inkampani iyaqonda ukuba abaninzi abantu abayi kuhlawula amakhadi abo ekwereta ngokupheleleyo inyanga nganye. Oku kuthetha ukuba benza imali ethe xaxa kubathengi baze bavuze umvuzo. Kukho amakhadi edoti ekhoyo ngoku anikezela ngamaphuzu okuvuza. Unokuba ufuna ukukhangela olo khetho ukuba ufuna ngokwenene ukusebenzisa amaphuzu okuvuza.