Ukwakha amanqaku amatyala kunye nokugcina ityala eliphantsi nakwiikholeji
Kutheni kubalulekile ukuba i-credit card ibalulekile
Imbali yakho usebenzisa amakhadi wesikolodo ihlanganiswe kwingxelo yemboleko kwaye ihlanganiswe ngamanqaku ekhredithi.
Ababoleki, abaqeshi, abanikazi bezindlu, iinkampani zomshuwalense kunye nabanikezeli benkonzo yoncedo bonke basebenzise ingxelo yengxelo yemboleko okanye amanqaku emboleko (okanye zombini) ukuba anqume ukuba uyavuma ukuba izicelo zakho kunye neyiphi indleko. Jonga iNkcazo yeMboleko kunye noMbono woBume .
Ukuba netyala lekhadi lamatyala elininzi linokushiya amanqaku angabonakali kwingxelo yakho yekhredithi kwaye uqhube umlinganiselo wakho wekhredithi phantsi. Ukuba unembali yeentlawulo ezingekho phantsi, kuya kunciphisa amanqaku akho. Oku kunokukugcina ungenayo mboleko okanye indlu. Umnini-mhlaba unokufuna ukuba ube ne-co-signer. Umqeshi akanakukuqesha. Iinkonzo zenkonzo zingadinga idiphozithi enkulu yokukhusela ngaphambi kokuguqula iinkonzo.
Ukubaluleka kwembali yebhanki kubalulekile, ngakumbi xa uqala nje ngokwakho. Ingaba unaloo mlando weebhanki ezithembekileyo kuxhomekeke kwindlela oyisebenzisa ngayo (kwaye ungasebenzisi amakhadi ekhredithi) ngexesha lakho kwikholeji.
Iingcebiso zeKholeji yeKhariti
Ungavumeli ikharityhulam yekredithi ikhethe .
Ngaphandle kokuba unesiqinisekiso sokuthi uyinto enhle, ungabhaliswanga kwikhadi lesikweletu ukuze ufumane i-t-shirt yamahhala okanye iggayi yekhofi. Funda ngemimiselo yeso nawuphi na isivumelwano sekhadi lesikweletu osifumanayo. Hlola iimirhumo kunye namazinga omdla, ukuthelekisa nakwezinye iikharityhulam ezinikeziweyo . Emva koko, ukhetha ikhadi lekhredithi elona lihle kuwe.
Iimali zamakhredithi ezingcono kakhulu zabafundi abanakho umrhumo wonyaka, inzala ephantsi, kunye nomlinganiselo omncinci wesikweletu.
Ikhadi lesikredithi lanele . Nangona ungalingeka ukuba ufake isicelo sekhadi lekredithi eliza ngendlela yakho, kungcono ukugcina amakhadi akho ubuncinci kweli nqanaba. Isicelo ngasinye sekhadi lesikweletu samatyala sibangela ukulahla kwinqanaba lakho lesikweletu. Ngaphezulu, ngaphezulu kwamakhadi e-credit, unomngcipheko wokuthatha inkokhelo enkulu yekhadi lesikweletu.
Yihlawule kuphela oko unokukwazi ukuhlawula . Kuze kube ngoku, mhlawumbi uthabathe amakhadi ekwereta kwakuthetha ukuba uhlawule izinto ongeke ukwazi ukuzenza ngoku ngoku, kodwa mhlawumbi uya kukwazi ukuzithengela kamva. Ukusebenzisa ikhadi lekhredithi xa ungeke ukwazi ukufikelela kwindlela esheshayo yokwakha ibhalansi ongeke uyibuyise. Iintlawulo ezincinci ezenza kube "lula" ukucima ibhalansi, ngokwenene zenze kube kubi kakhulu. Unokuphelisa ukuhlawula i-$ 100 kwi-pizza yama-20.
Bhatala ibhalansi yakho ngokupheleleyo ngenyanga . Ukuba ungena kumkhwa wokuhlawula ibhalansi yakho xa ufumana ibhilikhi, uya kuphepha ukuphatha ityala lekhadi lesikweletu. Ngaphezu koko, uya kuhlawula kuphela into oyithengeleyo, kungekhona iikhompyutheni zekhadi lesikweledu ezihlawulwayo xa ungahlawulanga ngokupheleleyo.
Musa ukucinga malunga nokuhamba kwangaphambili kwemali . Ayeyona into ekhangayo njengoko ibonakala.
Uya kuhlawula umrhumo we-2-4% wokuhlawula imali kunye neentlawulo zemali kwi-advance advance cash that has a higher interest rate than your purchase. Yaye ukuba unayo ibhalansi yokuthenga kwikhadi lakho lesikweletu, iintlawulo zakho zenyanga zihlukaniswa phakathi kweemali.
Hlalani phantsi komda wesikweletu sakho . Akunjalo kuphela imirhumo engaphezu kwemida ebiza, banzima ukuyilahla. Ngenxa yendlela indlela yokuhlawula kunye nemihla yokuhlawula iyawa, unokucinga ukuba uhlawula ibhalansi yakho phantsi komda, kodwa iindleko zezimali kunye neentlawulo zithatha ngqo. Ubhedu olungcono kakhulu ukugcina iindleko zingaphantsi kwe-10-30% yemingcele yakho yemali.
Yenza abahlobo bakho bafumane ikhadi labo lesikweletu . Ukuba uvumela omnye umntu ukuba asebenzise ikhadi lakho lekhredithi, unembopheleleko yokuhlawula iindleko ukuba ingahlawula okanye ayikho. Emva kwakho konke, bekuyi-signature yakho kwisicelo sekhadi lesikweletu, kungekhona umhlobo wakho.
Nabo bahlobo abahle kakhulu banokujika kwiintshaba ezinomzuzwana, ngoko kungcono ukuba ungahlanganisi ubungane kunye nemali.
Ungesabi ukuvala ikhadi . Ngokuqhelekileyo, ndixelela abantu ukuba bangavali amakhadi abo ekwereta ngenxa yomonakalo onokukwenza kwiimpawu zabo zematyala. Kodwa, ukuba unayo imali yokuhlawula ibhalansi yekhadi lesikweletu kwaye uyazi ukuba uya kuba necala ngekhadi lakho, kungcono ukuvala i-akhawunti kunokuchitha inqaku lakho lekhredithi. Ukuvala ikhadi lekhredithi mhlawumbi akuyi kubonakalisa i-credit yakho ngokukhawuleza njengokuba ikhodi yekredithi ayilungile.
Ungalindelanga ukuba abazali bakho bakukhonze . Xa usuzimeleyo, uxanduva lwakho lokuhlawula iindleko zekhadi lakho lesikweletu. Abazali bakho baneenqwelo zabo zokuhlawula kunye nokuthatha umhlalaphantsi ukuze balondoloze, ngoko akufanelekile ukuba balindele ukuba bahlawule ngephutha lakho lekhadi lesikweletu. Ukuba uyingxaki, ungacela abazali bakho ngemboleko yokuhlawula imali. Ngokubuyisela, kufuneka ukhansele ikhadi lesikweletu, uze kunye nesivumelwano sokubuyisela abazali bakho, kwaye usombulule ukuba ungalokothi ungene kwiinkathazo zekhadi lesikweletu.
Iikhampani zekhadi zekhredithi azikuniki incwadana ekusebenziseni amakhadi esikwereti ngendlela efanelekileyo. Enyanisweni, bethanda ukuba wenze iimpazamo ezinkulu ukuze bakwazi ukukuhlawula inzala kunye nemirhumo. Landela la macebiso ukuze uhlale unetyala kunye nesikweletu.