Iinkonzo kunye neNgcono yeeKhadi eziKhuselekileyo zeNtengo

Ngaba iKhadi leMali eliKhuselekileyo likufanele wena?

Enye yezihlandlo ezinzima kakhulu ukufumana ikhadi lekhredithi xa unetyala elibi okanye akukho ngxowa nhlobo. Ingxaki kukuba, udla ixesha elide ufuna ikhadi lekhredithi ukuze uqale ukwakha imbali yamatyala entle . Ukuba awukwazi ukuvunyelwa kwikharityhulam yemveli yesikweletu, ikhadi lekhredithi elikhuselekileyo linye indlela omele uyiqwalasele.

Yintoni iKhadi leMali eliKhuselekileyo?

Yintoni eyenza ikariti lekhredithi elikhusekileyo kwiakhadi ekhredithi "ngokuqhelekileyo" kukuba ufunwa ukuba wenze idiphozithi iya kuvunywa kwikhadi lekhredithi.

Le dizithi isebenza njengebhondi ekuthengeni kwakho okwenzayo usebenzisa ikhadi. Ukuba ungekho phantsi kweentlawulo zakho, umniki wekhadi ugcina idiphozithi yakho. Ngaphandle koko, ngokungakhathaliseki ukuba ugcina i- akhawunti yakho ngokuma kakuhle wakho umniki wekhadi lokuthenga ngetyala uya kubuyisa idiphozithi kuwe emva kwenani elithile leenyanga okanye xa uvala i-akhawunti yakho.

Umda wesikweletu kwikhadi lakho lekhredithi elikhuselekile liya kulingana nokugcinwa kwekhuseleko lakho. Kwezinye iimeko, umda wakho wesikweletu ungaba mkhulu kunokuba ukhuseleko lwakho, ngokuxhomekeka kwikhadi olikhethayo kunye nokulinganiswa kwetyala lakho.

Nangona wenza i-deposit yokhuseleko kumlinganiselo wesikweletu, ungasebenzisa ikhadi lekhredithi elilondoloziweyo njengokuba ungasebenzisa nayiphi na enye ikhadi lekhredithi. Swayiphela ukuba uthenge ukufikelela kumda wakho wekredithi kwaye wenze iintlawulo ezifike ngexesha lakho kwibhalansi nganye ngenyanga.

Izinto Ezintle NgeeKhadi EziKhusekileyo Zemali

1. Unokufumana imvume yamakhadi e-credit card ekhuselekile xa ungeke ufumane imvume yamakhadi wesikweletu somdabu. Ukuhlawula i-deposit deposit ishintshe umngcipheko we-credit kwi-issuer card.

1. Baye baxela kwiingxowa-mali zemali-mboleko. Ngokungafani nekhadi lesikweletu esikhokhelwa ngaphambili elikuvumela ukuba wenze iikhompyutheni zekhompyutha njengekhadi lesikweletu, ikhadi elikodwa lekhredithi iya kuthi imbali yakho yeakhawunti ibe yindawo yokufumana iitaliti zemali kwi-credit card.
2. Ikhadi lekhredithi elikhuselekileyo linokukunceda ukuseka okanye ukuseka kwakhona i-credit yakho . Ekubeni iintlawulo zifakwe kwingxelo yakho yeekhredithi, ukuhlawula ngexesha kunye nokulawula ibhalansi yakho kuya kunceda ukuphucula amanqaku akho. Emva kokukwakha umlinganiselo wakho wekhredithi, unokukwazi ukufumana ikariti yamatyala rhoqo.

1. Ukugcinwa kwakho kwekhuseleko kuyasetyenziswa ukuba ungekho phantsi kwintlawulo yakho. Ngaphandle kokuba ibhalansi yakho engagqibekanga ingaphezu kwedizithi yakho, awuyi kuthunyelwa kwiiqoqo zokungagqibekanga kwiintlawulo zakho. Nangona umkhupheli wekhadi uya kugcina idiphozithi yakho, akufanele uxhalabele ngabaqokeleli beetyala abakhupha iintlawulo ezingekho phantsi kwekhadi. (Iintlawulo zexesha elizayo ziya kubangela ubuhlungu bakho amanqaku ekhredithi.)
2. Unokufumana inzala kwidiphozithi yakho. Amanye amakhadi eitaliti aqinisekileyo abeka idiphozithi yakho kwi-akhawunti yokulondoloza inzala. Ngokuxhomekeka kwinqanaba lentlawulo kunye nexesha le-deposit yakho ehlala kwi-akhawunti, unokukwazi ukufumana iibhaksi ezimbalwa.

Imiba yokuSebenzisa iCredit eKhuselekileyo

Enyanisweni, kukho iinzuzo ezininzi zokusebenzisa ikhadi lekhredithi elikhuselekile, kodwa kukho izinto ezinokungalungi, nazo.

1. Kufuneka uhlawule idiphozi yokhuseleko. Kungenokuba nzima ukuza kunye needola eziliqela zeedola ukwenzela ukuba wenze i-deposit deposit. Ukuba unayo loo mali, kunokusetyenziswa kakuhle xa ukhokhela ityala elithile. Zama ukubeka eceleni i-$ 25 ukuya kwi-$ 50 nganye inyanga uze ugcine ufumane ngokwaneleyo ukugcinwa kwekhuseleko.
2. Kukho imirhumo ngaphezu kwe-deposit. Unokufuneka uhlawule imirhumo yesicelo, intlawulo yokusebenza, kunye nemali yonyaka ukuze ube nekhadi lakho lekhredithi elikhuselekile. Oku kwandisa indleko enekhadi. Yithengeza kwaye ukhethe ikhadi ngeemali eziphantsi.

1. Unokufuneka uhlawule umrhumo ophezulu. Amakhadi okuthenga ngetyala aqhelekanga anikezela inzala yemigangatho yokhuphiswano ngenxa yengozi yokungagqibekanga. Ukuphepha iindleko eziphezulu zezemali, hlawulela ibhalansi yakho ngokupheleleyo inyanga nganye.

Ngaba iKhadi leMali eliKhuselekileyo elifanele?

Nangona kukho ukungaphumeleli, ikhadi lekhredithi elikhuselekile linokuhamba ixesha elide ekuncedeni ukwakha amanqaku amatyala entle. Xa ungeke ukwazi ukufumana ikhadi lomtshato wendabuko, ikhadi lekhredithi elikhuselekileyo likhethekileyo lokuphucula ikhredithi yakho kwaye ifanelekele ikharityhulam engcono yekhredithi.