Kukho abantu abathanda amakhadi esikweletu kunye nabantu ababazondayo. Abantu kumacala omabini e-card cence card have point. Ukuba uzama ukugqiba isigqibo sokuba ngaba ufumana ikhadi lekhredithi okanye ukuba ingaba amakhadi enkokhelo ngokupheleleyo, qwalasela le ngxaki kunye neqhinga.
Iinkonzo zeeKhadi zeMatyala
- Ezinye iinketho zokuthenga ngefowuni, nge-intanethi, nangomntu. Ukuba unayo imali kuphela, ukhawulelwe kumntu othengayo ngaphandle kokuba uthenge i-oda zeemali.
- Ngokukhawuleza ukusebenzisa . Kwakhona, xa kuthelekiswa nemali kwaye ngokukodwa ngokubhalwa isheke, amakhadi enkokhelo asebenzise ngokukhawuleza. Swayipha ikhadi lakho kwaye uyenziwe ngemizuzwana.
- Ikhono lokuhlawula kwiizitofu . Nangona kulunge ukuhlawula ibhalansi yekhadi lakho lesikweletu ngokupheleleyo nyanga nganye, unako ukuhlawula ibhalansi yakho ngexesha elithile. Imbango yimibala yecala , efuna ukuba uyihlawule ngokupheleleyo ukugcina ikhadi lakho limi kakuhle.
- Ukunyuswa kwamatyala . Ukuba isetyenziswe ngokuchanekileyo-ukwenza iintlawulo zakho ngexesha kwaye ugcine i-balance balance-credit card yakho kukunceda ukuba wakhe umlinganiselo omhle wesikweletu onokuwusebenzisa ukuze ufanele ukufumana imali yokubolekwa kwemali okanye yemboleko mboleko.
- Uxhaswa ngezoxakeko . Nangona kungengona khetho efanelekileyo yokugubungela imeko engxamisekileyo , ikhadi lekhredithi linokukunceda ukuba ugubungele iindleko ezingalindelekanga ukuba awukwazi ukuwuhlawulela kwi-savings.
- Ikhono lokufumana imivuzo engasetyenziselwa imali, amakhadi wesipho, iikhilomitha okanye enye impahla. Xa usebenzisa ngaphezulu ikhadi lakho lesikweletu, umvuzo owufumanayo. Unokuzihlawulela umvuzo wakho njengoko uhamba okanye ulondoloze ukukhulula.
- Ikhono lokuxhasa izinto ngokukhululekile xa usebenzise amathuba okukhushulwa komdla. Amanqaku amaninzi ekrejethi anomdla we-0% ekuthengeni kunye nokuhanjiswa kweebhalansi kwithuba lokuqala elingangeenyanga ezintandathu. Oku kukunika amandla okulula ukuhlawula ibhalansi yakho emva kwexesha ngaphandle kokufaka iindleko ezongezelelweyo zokulungelelanisa.
- Akukho ukulahlekelwa kwemali emva kokuthengwa kobuqhetseba . Ukuba isela lifumana ukufikelela kwiakhawunti yakho yokukhangela, banako ukukrazula yonke imali kwaye kufuneka ulinde ibhanki ukuba isebenzise ingxelo yakho yobuqhetseba kwaye ibuyisele imali. Ngekhadi lesikweletu, kufuneka ukulinde umkhupheli wekhadi ukucima ubuqhetseba, kodwa ubuncinci usenakho ukufumana umthombo wakho wenkxaso-mali okwangoku.
- Ilungelo lokuthintela ukuhlawula iimpazamo zokubambisa-ngaphandle nje kokuba uphikisana ngokubhaliweyo. Xa kukho impazamo kwisitatimende sakho, unelungelo lokuphikisana nalo nomniki-khadi wekhadi. Okwangoku, akumele uhlawule loo ntengo ngaphandle kokuba, emva kokuphikisana ngokubhaliweyo, uphando lwekharityhulam lomthengi luya kutshintsha.
- Akukho mfuneko yokuphatha imali . Uninzi lweendawo zamkela amakhadi esikwereti, oku kuthetha ukuba akufanele unqume nge-ATM ukukhupha imali ngaphambi kokuphuma. Kodwa gcinani engqondweni ukuba ezinye iindawo azivumelekanga ukuba uphuphe ngekhadi lesikweletu.
I-Cons of Cards Credit
Ngezo zonke iinzuzo eziza kunye nokusebenzisa amakhadi-ngetyala, kukho ezinye iindawo ezingaphantsi ezingakucima.
- Isilingo sokuba uchithe ngaphezu kokuba unako ukufikelela . Amakhadi eitaliti avule amandla angaphezulu okuthenga kwaye anike into yokuba ubenemali engaphezulu kunokuba wenza njalo. Izifundo zibonise ukuba abantu bazimisele ukuchitha kunye namakhadi-mboleko kunezinye iindlela zokuhlawula.
- Banciphisa iholo lakho elizayo . Njalo xa usebenzisa ikhadi lokuthenga ngetyala-okanye nayiphi na inyala-uboleka ngemali ongayifumana. Ingxenye yengeniso yakho yesikhathi esizayo kufuneka ibuyele ekuhlawuleleni ibhalansi yekhadi lakho lesikweletu ukuba ufuna ukukhusela i-credit yakho.
- Imiqathango ingadideka . Umntu ongasetyenziswanga ukufunda izikhadi zekhadi lesikweletu angadibaniswa ngokulula kunye ne-jargon. Ukuqonda imigaqo yekhadi lesikweletu kubalulekile ukusebenzisa ikhadi lekhredithi ngendlela engakubeka engozini yemali.
- Imali kunye nomdla kungabiza . Ngokuxhomekeke kwikhadi lekhredithi kunye nendlela oyisebenzisa ngayo, i-credit yakho inokubhatala amawaka eedola ngaphaya kwonyaka. Yingakho ukuqonda imigaqo yekhadi lesikweletu kubaluleke kakhulu - ngoko uyazi ukuba ungayigcina njani imali yekhadi lekhredithi .
- Ubungenakho ukukhwabanisa ngekhadi lesikweletu . Ukuba nekhadi lesikweletu kukubeka engozini yokukhwabanisa kwekhadi lesikweletu. Amasela akudingeki ukuba akhombe ikhadi lakho lesikweletu ukuze ufumane ulwazi lwakho. Bangayigcina isitolo apho uthengela khona okanye iiwebhsayithi oye wasebenzisa ikhadi lakho lekredithi ukuba imininingwane yekhadi lakho kwaye ulisebenzise ukwenza ukuthengwa kobuqhetseba. (Ngokuqhelekileyo awunakuxanduva ngokukhawuleza xa ubika iindleko ngokukhawuleza.)
- Inokwenzeka ukuba ityala . Udala i-matyala ngexesha ngalinye usebenzisa ikhadi lakho lesikweletu. Unako ukugcina ityala lingakhula ngokuhlawula ibhalansi yakho ngenyanga, kodwa ukuba uhlawula kuphela ubuncinci kwaye uqhubeke uthenga, ityala lakho liya kukhula.
- Ukusetyenziswa kakubi kungonakalisa amanqaku akho . Amanqaku akho ekhredithi ahlangene ngqo nendlela osebenzisa ngayo ikhadi lakho lesikweletu. Ukuba uqhuba izikali ezinkulu kwaye uhlawule ixesha lakho kwikhadi lesikweletu, umlinganiselo wakho wekhredithi uza kuba nefuthe.
Nangona iikhadi lekhredithi linemiba embi, iyakuncitshiswa nje nje ngokuba uhlakaniphile ngamakhadi owukhethayo kwaye uwasebenzise ngokuhlakanipha .