Xa unamakhadi amaninzi ekhredithi, bonke abaneemali, unomsebenzi onzima ukuqikelela ukuhlawulwa kwekhadi lakho lesikweletu kwenyanga. Ngaba kufuneka uhlawule ubuncinci kwikhadi ngalinye? Ukuba uhlawula ngaphezu kokuncinci, kufuneka uhlawule kangakanani? Okanye ngaba ufanele ukhethe ikhadi kwaye uhlawule ngaphezulu? Nazi ezinye izicwangciso zokukunceda ukuba ufumanise ukuba uhlawula malini kumakhadi wakho ekwereta ukuze ubuncinci bahlale behlala kakuhle. Gcinani engqondweni ukuba ugxininise ekuphumeni kwetyala , isicwangciso sakho sokuhlawula sinokubonakala sihlukile.
01 Bhatala ubuncinane ubuncinci kuwo onke amakhadi akho.
Kufuneka uhlale wenza ubuncinane iintlawulo kwiimakhadi zakho zekhredithi, kungakhathaliseki ukuba zintoni. Inkokhelo yakho iya kuqwalaselwa emva kwexesha xa uhlawula ngaphantsi kweyona nto ubuncinci okanye ulahlekelwa yintlawulo yakho encinci. Iintlawulo ezizayo ziza nemiphumo embalwa. Awuyi kuhlawulwa kuphela umrhumo wexesha elifutshane , inzala yakho inokuvuka (ukuba uneminyaka engama-60 ukuhlambalaza) ukwenza kube kubi kakhulu ukuphatha imali.
Emva kweentsuku ezingama-30 kungekho ntlawulo, ulwaphulo lwenu luxelwa kwi-credit bureaus, eyongezwa kwingxelo yakho yekhredithi, kwaye iyafakwa kwiimali zakho zemali. Ukuhlawulwa kwexesha elilodwa kwimbali yakho yekhredithi kungenakuyenza umonakalo omkhulu, kodwa ukugqithisa okuninzi kunako, ukugqithisa ngakumbi kukuchaphazela umlinganiselo wakho wekhredithi .
02 Khangela kwii-akhawunti ezidlulileyo.
Kufuneka ubanjwe kuyo nayiphi na iakhawunti engemva. Ukuze usibambe, uya kuqhubeka ukukhawuleza iifizi zexesha elide kwaye ulibazise ixesha lide dele inzala yakho yenzalo. (Uya kufuneka wenze iintlawulo ezintandathu ezilandelanayo ngenyanga.)
Ezi ngxelo zetyala ziza kuhlala kwi-credit report yakho kwaye zenzakalise amanqaku akho kwiredo uze uhlawule ibhalansi yexesha elidlulileyo.
Ukuba unayo imali eyongezelelweyo kwibhajethi yakho emva kokwenza iintlawulo ezincinci kuwo onke amakhadi akho, zibeke zonke ekuhambiseni i-akhawunti yakho yangoku. Ukuba usufikelele kwiintsuku ezili-180 okanye ngaphezulu umthengi wakho angahlawulisa i - akhawunti yakho okanye uyithumele kwiiqoqo okanye zombini.
03 Faka i-akhawunti yakho phantsi kwe-credit limit.
Naliphi na ixesha lamakhadi wakho ekwereta ahamba ngaphaya komda wakho wesikweletu , iphakamisa iiflegi ezibomvu kubabolekisi bamanje nabazayo. Kubangela ukuba bazibuze ukuba unako ukuphatha i-credit ngokufanelekileyo. Unokuhlawulwa imali engaphezulu kwemali xa ikhadi lakho lekhredithi lihlawulisa le ntlawulo kwaye ukhethe ukungena kwimida yokukhawuleza.
Emva kokuhlawula ubuncinci kunye nokubanjelwa kwiibhalansi ezidlulileyo, zibeke iimali zakho eziseleyo ekunciphiseni ukulinganiswa kwemali. Ukunciphisa ibhalansi yakho kuya kunceda amanqaku akho.
04 Thatha izilinganiso eziphezulu kwi $ 0.
Ukuze ugcine umgangatho omhle wamatyala , kufuneka ugcine izilinganiso zakho ziphantse kwi $ 0. Gxininisa ngokukodwa kwimilinganiselo esondele kumda wesikweletu. Izilinganiso zamakhadi eziphezulu zekhadi zanda ukwandiswa kwetyala lakho kunye nokulimaza amanqaku akho. Ukugcina izilinganiso zakho ezantsi kukubonisa ukuba ungayisebenzisa ngokufanelekileyo inkokhelo kwaye uza kunceda ukuphucula amanqaku akho.
05 Ukuhlawula umlinganiselo wemali ephezulu.
Ukuba ufuna ukuphuma kwetyala ngokukhawuleza, kufuneka uqale ugxininise ekuhlawuleni amakhadi enkredithi anexabiso eliphezulu. Ekubeni uhlawula ngaphezulu kwiimali zentlawulo kwiimali zamatyala ekhredithi ephezulu, kunengqiqo ukuhlawula loo mivuzo ngokukhawuleza ukunciphisa inani lemali oyihlawulayo.
Emva kokuba udibene nenkokhelo encinci kwenye i-akhawunti yakho, faka inkokhelo yentlawulo kwibhalansi yakho kunye nenani lentengo ephezulu ukuya kuhlawulwa.
Ewe, ukuba umgomo wakho ukuphuma kwetyala ngokupheleleyo, kufuneka uhlalutye iirhafu zamanqaku akho entengo yekhadi kunye namanqanaba enzala kwenye ityala lakho.