Ukutshintsheliswa kwepesenti ye-zero kunika izandi njengethuba elihle lokunandipha iinyanga ezimbalwa kungekho nzala yesikhadi lesikweletu. Unokuhambisa ibhalansi yakho kwikharityhulam yakho yangoku, apho unokuhlawula iindleko eziphezulu zemali nganye ngenyanga, kwikharityhulam yekhredithi apho ungahlawulanga imali yentlawulo kwiinyanga ezintandathu okanye ngaphezulu. Ngaphambi kokuba ugxume ngeli thuba, qwa lasela i-pros and cons cons.
Akunakubekwa njengomnqumla kunye noomile njengoko ucinga.
Iinkqubo zokuTshintshiselana kweMali
Makhe sijonge ezimbalwa zeenzuzo zokuthatha isipho sokudlulisela imali.
Unokusebenzisa inzuzo yekhadi lesitrato esingaphantsi kwekhadi lesikratshi , okuyinzuzo kakhulu xa okwangoku unomyinge omkhulu wenzala kwibhalansi yekhadi lesikweletu ocinga ukuhamba. Ukutshintshela ibhalansi kwikhadi lesikweletu elinomyinge onomdla ophantsi kuza kukunika ithuba lokwenza i-dent enkulu kwi-card card balance. Ekubeni uza kuba nomyinge ophantsi kwaye mhlawumbi akukho mali ityala, ininzi yentlawulo yakho yenyanga iya kuhanjiswa ekunciphiseni ibhalansi yakho yekhadi lekhredithi, endaweni yokufumana inzala. Usenokukwazi ukuhlawula ibhalansi yakho ngokupheleleyo ngexesha lokuphuhlisa ixesha liphela.
Unokuhambisa ibhalansi yakho kwikhadi lesikweletu ngamagama angcono . Ukuba ikhodi lakho lekredithi linemigomo embi - imirhumo ephakamileyo okanye ixesha elifutshane lobabalo, umzekelo - unokuhambisa ibhalansi yakho kwikhadi lekhredithi elingcono kwaye uvale iakhawunti yakho ekhadini lekredithi elidala.
Ikhadi elitsha lekhredithi linokunikela ngembuyekezo yemakhadi yesikweletu ekuthengeni kwakho okutsha.
Unako ukudibanisa ityala lakho lekhadi lokuthenga ngetyala , uzishiye neentlawulo zekhadi lokuthenga ngetyala ukwenzela inyanga nganye. Ukuhambisa izilinganisi ezininzi zekhadi lesikredenti kwikharityhulam yekrediti enye (inikwe umda ophezulu okwekhredithi) unokuphelisa ukulahlekelwa kweentlawulo ezininzi zekhadi zesikweletu kumakhadi athile ahlukeneyo.
Kulula ukuhlawula enye ibhalansi yekhadi lesikweletu kunokuhlawulela ezininzi.
I-Cons of Transfer Transfer
Ngokuqinisekileyo, kufuneka siqwalasele kwakhona ukuhlaselwa komda wokutshintshela ibhalansi kwikhadi elitsha lekhredithi, kunye ne-offer transfer transfer.
Unokugqiba inzala ephezulu xa ungafanelanga ukufumana inzala yentengiso. Akuyena wonke umntu ofanelekileyo ukwenzela inqanaba lomdla wokuphromotha. Ngokuqhelekileyo kufuneka ube nomlinganiselo ophezulu kakhulu wekhredithi ukuze ufumane umrhumo wokuhlawula ibhalansi ophantsi. Ngaphandle koko, uya kulungele ukufumana isantya somrhumo ohlala rhoqo (ophezulu).
Ukudluliselwa kwemali kungabhaxabisa ngokubhekiselele kwimali yokudlulisela imali kunye nomrhumo wonyaka, ukuba ikhadi elitsha lekhredithi linalo. Ngaphambi kokuba udlulisele ibhalansi, qiniseka ukuba ubeka iindleko ezipheleleyo zokuhambisa ibhalansi yakho kwaye uthelekise nomdla oya kuwuhlawula xa ushiye ibhalansi yakho kwikhadi lakho lesikweletu. Ukushiya ibhalansi yakho kwikhadi lekredithi elidala lingabibiza ngexesha elide.
Ukutshintshiselwa kwemali kungalimaza amanqaku akho . Ukufaka isicelo kunye nokuvula iakhawunti entsha yekhadi lesikweletu kunokuchaphazela amanqaku akho. Akunjalo kuphela, umlinganiselo wakho wekhredithi uthatha i-hit nanini naxa unekhadi lekhredithi elinomlinganiselo ongaphezulu kwama-30% omda we-credit.
Ukuba uhambisa ibhalansi yekhadi lakho lesikweletu kwikharityhulam yekhredithi engenakho ikhredithi eyaneleyo, umlinganiselo wakho wekhredithi unokuhla. Iindaba ezilungileyo kukuba unokufumana amaphupha alahlekileyo ngokunciphisa ibhalansi yakho kunye neentlawulo zekhadi zesikweletu ngexesha elifanelekileyo ngenyanga.
Usemngciphekweni wetyala elingaphezulu . Emva kokuba uthumele ibhalansi yakho kwikhadi elitsha lekhredithi, ngokukhawuleza unokufumana i-credit ngaphezulu. Kufuneka uqeqeshwe ngokwaneleyo ukuba ungathengi kwikhadi lakho lekredithi elidala. Ngaphandle koko, uya kugcina unetyala elingaphezulu kunokuba uqale nalo. Vala ikhadi lakho lekredithi elidala ukuba ufuna ukususa isilingo ukukhahla ityala lekhadi lesikweletu.
Ukwenza isigqibo sokugqibela
Nangona kukho ezinye iingxaki zokudlulisela ibhalansi yakho kwikhadi elitsha lekhredithi, cinga ukuba ukudluliselwa kwemali kuya kuthintela njani iimali zakho kwixesha elide.
Ukuba ekugqibeleni uyakusindisa imali kwaye uyihlawule ngokukhawuleza kwekhadi lakho lekhadi ngokukhawuleza, kwaye ukutshintshela ibhalansi kuyafaneleka.