Ukuba unekhadi lesikweletu, kufuneka ukuba usebenzise indlela efanelekileyo. Ukwenza naziphi na iimpazamo zekhadi lesikweletu zingadla imali kunye neengongoma ezixabisekileyo zamanqaku ezikolo.
01 Ukwenza iintlawulo ezincinci kuphela.
02 Ukuhlawula ngokukhawuleza.
Ukuhlawula ubuncinci kwikhadi lakho lekhredithi akukwandisi nje inani lemali elithathayo ukuhlawula ibhalansi yekhadi lakho lekhredithi, kwandisa imali enokuyihlawula kwikhadi lakho lesikweletu. Ungavumeli usuku lwakho olufanelekileyo lukudlule. Thumela iintlawulo zakho zenyanga ngexesha. Yiya kunye nenkqubo yokukhumbula imihla yakho efanelekileyo xa uqhubeka ulibala.
03 Ukukhwela ikhadi lakho lekhredithi.
Xa ubolekisa ikhadi lakho lesikweletu kumnye umntu, awukwazi ukulawula ukuthenga kwabo. Ekugqibeleni, unembopheleleko yokuhlawula ibhilikhi, nokuba ngaba umntu oboleke ikhadi lakho lesikweletu akwenzi. Ungalokothi ubolekise ikhadi lakho lesikweletu ngaphandle kokuba ulungele ukuhlawula yonke into ayithengayo.
04 Ukungahoyi i-statement statement.
Ukuba awuyikuvula isitatimenti senkokhelo yekhadi lesikweletu, usengozini yokulahleka yakho intlawulo yosuku olufunekayo. Ungaphinde ulahleke izivakalisi ezibalulekileyo malunga neenguqu kwiimali zekhadi lakho lesikweletu. Akunjalo nje kuphela, isitatimenti sakho sokubhatala sisoloko siqala ukuphuma kuyo nayiphi na imisebenzi yobuqhetseba kwiakhawunti yakho. Njalo ufunde isitatimenti sakho sokubhatala, ukuba nje uqinisekise ukuba zonke iintlawulo zichanekile.
05 Ukuvumela ikhadi lakho lekredithi lihlawulwe.
Ukuhlawuliswa ngenye yezona zinto zibi kakhulu ezenzekayo kwingxelo yakho yekhredithi kunye nomlinganiselo wakho wekhredithi. Uhlu lokuhlawula imali luya kuhlala kwirekhodi yakho yeekhredithi iminyaka eyisixhenxe kwaye inokukwenza ukuba ukwazi ukufumana amakhadi enkredithi kunye nemboleko kwixesha elizayo. Kuthatha inyanga ezintandathu zeentlawulo ezingekhoyo ukufumana imeko yokuhlawulwa. Yenza iingxelo ezikhohlakeleyo zangoku phambi kokuba zifike kwindawo leyo.
06 Ukulinda ukubika ikhadi lakho lokulahleka okanye elibiweyo.
Kuthatha ixesha elide ukuba ubike ikhadi elilahlekileyo okanye elibiweyo lekhredithi, ixesha elide limele lihlawulise i-akhawunti yakho. Ukuba ubika ikhadi lakho lekredithi elingekhoyo phambi kokuba kukho na amatyala enkohliso, awuyi kuba necala kwiintlawulo. Bika ikhadi lekhredithi elingekhoyo ngokukhawuleza ukukhawuleza uxanduva lwakho lokuhlawulwa kweetyala .
07 Ukukhupha ikhadi lakho lesikweletu.
Ukuhlawula ibhalansi yakho yekhadi lesikweletu ngaphaya kwe-30% yomlinganiselo wakho wekhredithi kuyingozi kumanqaku akho. Ukusondela kumda wesikweletu sakho kukubeka engozini yemali engaphezulu kwemida kunye nentlawulo yenzalo yakho yexabiso lekhadi lesikweletu xa udlula umda wakho wemali. Gcina ibhalansi efanelekileyo yamakhadi ekhredithi kwimilinganiselo yemboleko yempilo kunye nemali yokuhlawula.
08 Ukuvala ikhadi lakho lekhredithi ngaphandle komsindo.
Ukukhansela iakhawunti yakho yekhadi yekhredithi ayiyi kufumana nantoni na nge-issuer card card. Kuza kudla ukuhlawula iipoti zamanqaku ezikolo xa uqhuba i-credit card usetyenziso. Shiya iiakhadi zekhadi zekhredithi zivule uze uqiniseke ukuba ukuvala ikhadi akuyi kuba yingozi kumvuzo wakho wekhredithi.
09 Ukusetyenziswa kwamakhadi amaninzi ekweretyana ngangoko.
Isicelo ngasinye sekhadi lesikweledu sinokubamba iingongoma kumanqaku akho ekhredithi. Ukuba ufaka izicelo zamakhadi amatyala amaninzi ngexesha elifutshane, unokwazi ukuba ukuphika okuqhelekileyo kuba abathengi baqala ukukrokra malunga nokutshatyalaliswa ngokukhawuleza kwezicelo zekhadi lesikweletu. Faka isicelo ngamakhadi amatyala amatsha omnye ngexesha ngexesha elifunekayo.
10 Ukungazi amagama akho ekhadi lesikweletu.
Ukwazi indlela inkampani yakho yekhadi lesikweletu eqhuba ngayo iintlawulo zexesha elidlulileyo yenza ukuba uhlawule imali yakho yebhanki kwikharityhulam. Ukwazi ukuba iikhadi lakho lekhadi lekhredithi likunika ukulawula ngaphezulu kweendleko zekhadi lakho lekhadi. Uyazi ukuba umele njani kwaye akufanele usebenzise ikhadi lakho lekredithi ngokusekelwe kwindlela umboleki wakho azokuphendula ngayo kwizenzo zakho.
Ukuphonononga imigaqo yekhadi lakho lekredithi ubuncinane kanye okanye kabini ngonyaka (ungawafumana kwiwebhusayithi yakho yomniki wekhredithi okanye ucele kubasebenzi bamakhasimende).