Xa kuziwa ngetyala, into ongayaziyo ingakulimaza. Iimpazamo zeetyala ayikubiza kuphela, kodwa zinokulimaza amanqaku akho kunye neenkokhiso kwaye zenze kube nzima ukufumana ikhredithi kwixesha elizayo. Wonke umntu makabe nolwazi ubuncinci malunga nekhredithi, nangaphambi kokuba ufumane ikhadi lakho lokuqala lokuthenga ngetyala . Ukuqonda indlela umsebenzi wekhredithi kunye namakhadi e-credit card kukunceda wenze izigqibo ezifanelekileyo malunga nokukhetha nokusebenzisa ikhadi lakho lokuqala lokuthenga ngetyala.
01 Kukho iintlobo ezahlukeneyo zeCredit Cards
Ezinye iindidi zamakhadi-mboleko ziquka amakhadi asematyala asemgangathweni okanye asemagqabini angabonakali ngamakhadi ekhredithi afundiswa abantu abadala abasekholeji, avuza amakhadi ekwereta ayenzelwe abasebenzisi bekhadi abanetyala leemali, kunye namakhadi e-credit card anelungelo labo kwikhadi lesikweletu somdabu.
Ukwazi iindidi zamakhadi ekwereta ezikhoyo zikunceda ukhethe okulungileyo kuwe.
02 Iinkcukacha zeKhadi leKharityhulam zibalulekile
Amakhadi eemboleko ayenamagama ahlukeneyo achaza ixabiso kunye neenzuzo zekhadi lesikweletu. Iirhafu zenzalo , umrhumo wonyaka, kunye nekhredithi zimbalwa zezinto ezibalulekileyo zekhadi lesikweletu.
Kwikhadi ngalinye lekhredithi oyicinga ngalo, funda ikhadi lekhredithi echazwe ukuba iinkcukacha zexabiso ngalinye kwikhadi lekhredithi. Ukuthelekiswa kwamakhadi eemboleko ahlukeneyo kuncedana ukubona ukuba zeziphi iimpawu zekhadi lesikweletu zibhetele. Ngokuqhelekileyo, iirhafu zenzalo esezantsi kunye nemali ephantsi okanye ayikho yonyaka ihlawuliswa, kodwa akunakwenzeka njalo xa uqala nje ngekhredithi.
03 Lindela iNgxelo yeKhadi leMatyala rhoqo ngenyanga
Amakhadi eemboleko ngamnye anemijikelezo yokuhlawula , inani leentsuku phakathi kweengxelo zekhadi lakho lesikweletu. Imijikelezo yokuhlawula ibhekile ngokuqhelekileyo phakathi kweentsuku ezingama-23 neye-27.
Ngenyanga nganye umniki wekhadi lakho lokuthenga ngetyala uyakuthumela isitatimenti sokuba iinkcukacha zakho zentengiselwano yendlela yokugqibela yokuzalisa. Ukuba unayo ibhalansi ephumayo, kuya kufuneka wenze inkokhelo encinci kwi-balance. Ungeke ufumane umjikelo wenkokhelo ukuba unayo ibhalansi kwaye ungayisebenzisi ikhadi lakho lekredithi kwiinyanga eziliqela.
Kubalulekile ukuba ufunde isitatimenti sekhadi lakho lesikweletu, ngokukodwa uludwe lweentengiso, ukuqinisekisa ukuba isitatimende sakho sichanekile.
Amanqaku amaninzi amanqaku aMatyala aza neentlawulo
Iinkampani zamakhadi ezitalato zenza imali ngokuhlawula imali kunye nomdla. Unokuphepha ezininzi iimali zekhadi lesikweletu ngokwenza izigqibo ezahlukileyo malunga nekhadi lesikweletu ozifaka isicelo okanye indlela ohlawula ngayo iibill zakho. Ngokomzekelo, unokuphepha umrhumo wexesha ngokukhawuleza ngokwenza ikhadi lakho lokuthenga ngetyala ngexesha. Unokuphepha ukuhlawulwa kwemali ngokuhlawula ibhalansi yakho yonke inyanga. Ukuba ikhadi lakho lekhredithi linomrhumo wonyaka, awukwazi ukuwuphepha.
Kuqikelele ukugcina imali ngokunciphisa iirhafu ozihlawula kwikhadi lekhredithi, nokuba oko kuthetha ukukhetha ikhadi elikhethiweyo lekhredithi.
05 Ikhadi lokuqala lokuthenga ngetyala linokuba nzima ukufumana
Iikhampani zekhadi zekhredithi azihlali zikulungele ukunika amakhadi-mboleko kwixesha lokuqala labasebenzisi bekhadi lesikweletu. Ukwazi ukuba uza kufaka isicelo sakho kwikhadi lekredithi lokuqala liya kukhusela umlinganiselo wakho wekhredithi-ukuba unayo-ngokugcina izicelo zekhadi zekhredithi ubuncinci.
Ukuba unqatshelwe ngokuphindaphindiweyo ngamakhadi-ngetyala, kunye namakhadi okuthenga ngetyala, tshengisisa ikhadi lekhredithi elikhuselekile . Uya kufuneka wenze idiphozithi ukuze uthole ikhadi lekhredithi, kodwa ukuba uyisebenzisa ngokufanelekileyo, unakho ukufaneleka kwikharityhulam yemveli emva kweenyanga ezili-12.