Kukho amakhulu emakhadi ekwereta esasazeka kuzo zonke izikhupheli zekhadi zekhredithi. Isinyathelo sokuqala ekukhetheni ikhadi lekhredithi ngowokuqala ukufumana uhlobo lwekhadi lekhredithi oyifunayo. Iintlobo zemakhadi-mboleko kwi-market range ukusuka kwisiseko okanye "i-vanilla ecacileyo" engenazo izinto ezinokubakho kwii-premium amakhadi ezininzi kunye neenzuzo.
01 Umgangatho oqhelekileyo okanye "I-Plain-Vanilla" Iikhadi leMatyala
Ikhadi lekhredithi eliqhelekileyo likuvumela ukuba ube ne- balance balance ukuya kumda othile wekhredithi . Ikhredithi isetyenziswe xa uthengwa kwaye ufumaneka kwakhona xa wenze intlawulo. Intlawulo yezemali isetyenzisiweyo kwiibhalansi eziseleyo ekupheleni kwenyanga nganye. Amakhadi okuthenga ngetyala anemivuzo encinci ekufuneka ihlawulwe ngumhla othile omele ukukhusela izigwebo.
02 Ukulinganisela Ukutshintshwa kweeKredi zetyala
Ngelixa amaninzi amakhadi ekhredithi afika nekhono lokudlulisa izilinganiso, ikhadi lokutshintshwa kwekhadi lesikweletu linye linikeza isantya esisezantsi sokungeniswa kwebhanki ixesha elide. Ukuba ufuna ukugcina imali kwi-balance-rate interest interest, ibhalansi yokutshintshwa yindlela efanelekileyo yokuhamba.
Ukutshintshwa kwe-balance balance offers variants in interest rate promotion - ezinye ziphantsi nje nge-0% - nobude bexesha lokuphromotha. Ixabiso elingaphantsi kwexabiso lokunyusa kwaye ixesha elide lokukhushulwa, ixesha elikhangeleka kakhulu lekhadi-kodwa uya kudla ukufuna i-credit card ukuze ufaneleke.
Imivuzo yeeNkcazo ze- 03
Kanye njengoko igama libonisa, ukuvuza amakhadi ngabo bafumana umvuzo kwiintengo zekhadi lesikweletu.
Kukho iintlobo ezintathu zokubaluleka kwamakhadi: ukubuyisela imali, amanqaku kunye nokuhamba. Abanye abantu bakhetha ukulungelelaniswa kwembuyekezo yokubuyisela imali , ngelixa abanye bathanda amaphuzu angahlawulelwa imali okanye ezinye iimpahla. Amakhadi okuhamba ahambayo ahlala esithandayo phakathi kohambo oluqhelekileyo ngenxa yokukwazi ukufumana iindiza zamahhala, ukuhlala kweehotele kunye nezinye izinto zokuhamba.
04 Iikhadi leMatyala abafundi
Amakhadi esikweletu ngamanye abafundi ayenzelwe ngokukhethekileyo abafundi beekholejini abanokuqonda ukuba aba bantu abadala abasoloko banomlando omncinci okanye ungabikho. Umfaki sicelo wekhadi lokuthenga ngekhredithi lokuqala unokufumana ixesha elilula ukufumana imvume yekhadi lesikweletu somfundi ngaphezu kwelinye uhlobo lwekhadi lesikweletu.
Amakhadi eemboleko zemfundi angafika ngee-perks ezongeziweyo ezifana nembuyekezo okanye izinga eliphantsi lokutshintshwa kweebhalansi, kodwa oku akuzona izinto ezibaluleke kakhulu kubafundi bekhangela ikhadi lokuqala lokuthenga ngetyala. Abafundi ngokubanzi kufuneka babhalise kwiyunivesithi yeminyaka emine yokuvunyelwa ukuba bavunyelwe kwikhadi lekhredithi yomfundi.
05 Cards Cards
Iimali zokukhawuleza azikho umlinganiselo wokusetyenziswa kwe- preset kunye nezilinganiso mazihlawulwe ngokupheleleyo ekupheleni kwenyanga nganye. Iimali zokukhawulwa ngamakhadi azinayo imali yokuhlawulwa kwezemali okanye inkokhelo encinci njengoko ibhalansi iya kuhlawulwa ngokupheleleyo. Iintlawulo ezisezantsi ziphantsi komrhumo, ukukhawulwa kwemirhumo, okanye ukukhanselwa kwekhadi ngokuxhomekeka kwisivumelwano sakho sekhadi.
Ngokuqhelekileyo kufuneka ukuba ube nembali efanelekileyo yamatyala ukuze ufanele ukufumana ikhadi lokuthenga.
06 Amakhadi aKhuseleko aKhuselekileyo
Amakhadi okuthenga ngetyala anokukhethwa ngabantu abangenawo umlando wesikweletu okanye abaye badiliza iitaliti. Amakhadi akhuselekileyo adinga ukuba idiphozithi yokhuseleko ibekwe ekhadini. Umda wekhredithi kwikhadi lekhredithi elikhuselekile ngokulinganayo lilingana nediphozithi eyenziwe kwikhadi, kodwa kunokuba kuninzi kwezinye iimeko. Ukulindeleke ukuba wenze iintlawulo zenyanga nganye kwi- balance card yakho ekhuselekile. Hlola ukuhlaziywa kwamakhadi ekhredithi akhuselekileyo .
07 I-Subprime Credit Cards
Amakhadi ekhredithi ye-Subprime enye yeyona mveliso yekhadi lekhredithi . La makhadi ekhredithi abhekiswe kubafakizicelo abanembali yebhanki embi kwaye banamaxabiso amaninzi aphezulu kunye nemirhumo. Nangona ukuvunywa kudla ngokukhawuleza, kwanabo abanekredithi embi , loo migaqo ihlala idideka. Urhulumente waseburhulumenteni wenze imithetho ngokumalunga nemirhumo yemirhumo yekhadi yesikweletu se-subprime inokuhlawula , kodwa abakhupheli bekhadi bahlala bekhangelelanisa iindlela kunye neendlela zokwenza le mithetho.
Nangona kungabonakali kwamakhadi e-credit subprime, abanye abathengi bayaqhubeka nokufaka izicelo kumakhadi kuba abanakufumana iitaliti kwenye indawo.
08 Iikhodi ezihlawulwe ngaphambili
Amakhadi okubhadela afuna ukuba umnikazi wekhadi alayishe imali ekhadini phambi kokuba ikhadi lisetyenziswe. Ukuthengwa kuhoxiswa kwibhalansi yekhadi. Umda wokuchitha awuhlaziyi kude kubekho imali elayishiwe ekhadini.
Amakhadi okubhadela ayenayo iindleko zemali okanye iintlawulo ezincinci ukususela ekubeni ibhalansi ihoxiswa kwidiphozithi. La makhadi awanakona amakhadi enkokhelo, kwaye awanakukunceda ngokukhawuleza ukuba wakhiwe kwakhona umlinganiselo wakho wekhredithi . Amakhadi ahlawulwe ngokufanayo afana namakhadi e-debit, kodwa angabhalwa kwiakhawunti yokujonga.
09 IiCards zenjongo
Iinjongo zeenkokhwe zamakhredithi zingasetyenziswa kuphela kwiindawo ezithile. Amakhadi enjongo encinci asetyenziswa njengamakhadi esikwereti kunye nentlawulo encinci kunye nentlawulo yezemali . Ukugcina amakhadi enkredithi kunye namakhadi ekhredithi yegesi yimimiselo yamakhadi ekhredithi.
Iikhodi zeNtengiso ze-10
Amakhadi ekhredithi yamashishini akhiwe ngokukodwa ekusebenziseni ishishini. Banikela abanini bezoshishino ngendlela elula yokugcina ishishini kunye nokuthengiswa komntu ngokwahlukileyo. Kukho amakhadi athengiweyo kunye namakhadi okuhlawulwa.
Imbali yakho yemboleko yemboleko isetyenzisiweyo nakwikhadi lekhredithi yoshishino - umniki wekhadi lekhredithi usafuna ukubamba i-account account individually kwi-balance card card.