Ukusebenzisa amakhadi ahlawulwe ngaphambili njengenye indlela kumakhadi wesikweletu somdabu
Kulula kakhulu ukujonga iphutha lekhadi elihlawulwa ngaphambili kwikharityhulam yangempela. Kwiyona nto ininzi, amakhadi ahlawulwayo afana nokufana namakhadi-mboleko kwaye angasetyenziswa kwiindawo ezininzi ezamkela amakhadi ekwerekhredithi. Ngokomzekelo, ungasebenzisa ikhadi elihlawulwa ngaphambili lokuqashisa imoto, ukubhuka kwehotele, ukubhuka kweenqwelo-moya kunye nokuthengwa kweentengiso kwiintanethi.
Unokufumana ikhadi elihlawulwayo nangona unetyala elibi. Nangona kunjalo, njengoko igama libonisa, awukwazi ukuyisebenzisa ngaphandle kokuba uhlawule imali ekhadini.
Ekubeni esi sixhobo sezimali asinakukuvumela ukuba uthwale ibhalansi yemali kwaye uhlawule kamva, akuyona ikhadi lekhredithi yangempela.
Ikhadi eliKhokhelwa liSebenza njani?
Ngekhadi lokubhadela, ungeze imali kuyo njengokuba unakho ngekhadi lesipho. Emva koko xa usebenzisa ikhadi lakho lokubhadela, inani lakho lokuthenga linqunyulwa ukusuka kwibhalansi. Njengoko uyenzela ukuthenga okungaphezulu, ibhalansi yakho ekhoyo iyancipha ngakumbi.
Masithi, umzekelo, ubeka i-$ 300 kwikhadi lakho elihlawulwa kuqala. Emva kokuhlawula i-$ 150 yeenqwelo zokuqasha imoto, unokufumana i-$ 150 kuphela. Emva kokuba usebenzisa i-balance yakho yonke, kufuneka uphinde ulayishe imali ngaphezulu kwikhadi elihlawulwa ngaphambi kokuba ungayisebenzisa kwakhona.
Ngokuthelekisa, ikhadi lekhredithi likunika umda wekhredithi ongawuboleka kuyo ukuthenga. Unakho ukhetho lokubuyisela ukuthenga kwakho ngezitofu zenyanga, okanye ngokukhawuleza.
Ukulawula ikhadi lakho elihlawulwa kuqala lifana nokulawula i-akhawunti yokujonga okanye yokulondoloza ngaphezu kokulawula ikhadi lekhredithi.
Akufanele ukhathazeke ngamatyala eemali okanye iintlawulo zexesha elide . Umlinganiselo wakho wokuchitha ulingana nantoni na i-dollar isamba lakho ikhadi elikhoyo. Ngeke ube ne- balance balance evolving balance , iintlawulo ezincinci ezifunekayo okanye iintsuku ezifanele ukucinga ngazo, kwaye akukho mngcipheko kumanqaku akho.
Abantu bangacinga ngamakhadi njengemakhadi-mboleko asepayiliweyo ngenxa yokuba ezininzi iinkampani zamakhadi zisebenzisa i-Visa, i-Mastercard okanye i-American Express yorhwebo yokuthengisa intengiso kwaye ibonise uphawu oluhambelana nobuso bamakhadi abo.
Eyona nto, ikhadi elihlawulwa ngokugqithisileyo lifana nekhadi lokubambisa ngenxa yokuba yonke intengiselwano iyanciphisa umlinganiselo wakho wemali, kodwa esikhundleni sezimali ezivela kwi-akhawunti yebhanki, zivela kwiimali ozibeke ngaphambili kwikhadi.
Ingaba ibiza malini?
Amakhadi ahlawulwayo anokuza neentlobo ezahlukeneyo zemirhumo. Ngaphambi kokukhetha ikhadi, funda "ukushicilela okulungileyo" kwaye ukhethe ikhadi ngexabiso elincinci lemali, ukuze bangadli nayiphi na imali oyifakile ekhadini.
Umzekelo, i-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti ye-Akhawunti. uphando lwe-balance kwi-ATM kunye ne-1.00 kwi-statement nganye yenyanga. Njalo xa ufumana imali, ivela kwibhalansi yakho, ikunike imali encinane yokuchitha.
Ekubeni iindleko zidlala indima enkulu kwikharityhulam ehlawulwa kuqala, qiniseka ukuba ubeka ingqalelo kwi-shedyuli yemali yekhadi ocingayo. Abaninzi, njengeBebebird nge-American Express okanye i-Akimbo khadi ehlawulwa, abanakho imali yenyanga kunye nokugcina ezinye iifizi ezincinci.
Ngubani osebenzisa amakhadi ahlawulwayo?
Ungasebenzisa ikhadi elihlawulwa kuqala xa ibhanki yakho inganiki ikhadi lamakhadi kwaye ungenayo ikhadi lekhredithi yendabuko, okanye ukuba awukwazi ukufumana i-akhawunti yokujonga kuba unetyala elibi nge ChexSystems.
I-ChexSystems ilinda umsebenzi wokujonga kunye nokongiwa komsebenzi we-akhawunti ukuze uqaphele abathengisi malunga nabantu babhala ukuhlola okubi xa behlawula ukuthenga.
Abafundi nabantwana beekholeji banokwenza abaviwa abalungileyo kumakhadi ahlawulwe. Abazali bangafaka imali ekhadini ukuze abantwana babo basebenzise, kwaye baqale ukufundisa ubuchule bokulawula imali. Kubafundi bekholeji, abazali banokuphinda balayishe imali ngokukhawuleza ekhadini ezivumela abafundi ukuba bahlawule iincwadi, ukutya kunye neendleko eziqhubekayo.
Njengamakhadi ahlawulwayo ayenziwa kakhulu, awanasetyenziswe ngabantu abanekhredithi embi okanye abo abanako ukufumana i-akhawunti yokujonga. Abanye abantu basebenzisa amakhadi ahlawulwa kuqala ukuze bancede ukulawula uhlahlo lwabiwo-mali.
Ngokomzekelo, unako ukulayisha imali esetyenzisiweyo yokuthenga iimpahla, ukutya okanye ukutya kwiakhadi ehlawulwe kuqala ukuhlala ungaphezulu kwe-budget yakho yenyanga.
Abanye bakhetha amakhadi ahlawulwe ngaphambili ngenxa yokuba bakhathele ukufumana imali ye-overdraft yokuchitha imali ngaphandle kokwazi ibhalansi yebhanki ngqo.
Ngaba Uya kunceda Ukwakha Iingxowa-mali?
Unokufumana ikhadi elihlawulwa ngaphambili nangayiphi na imbali yakho yematyala . Ababoneleli abayikukhangela i-credit yakho ngenxa yokuba awuboleki imali, ngoko amakhadi ahlawulwayo akuyi kukukunceda ukuseka okanye ukuphucula ikhredithi yakho .
Ukusebenzisa ikhadi elikhethiweyo akuthi nto malunga nokuboleka okanye ukuhlawula imali, ngoko ke iinkampani zekhadi azikwazi ukunika ingxelo kwiivenkile zemali-mboleko . Ngamafutshane, ukuba usebenzisa ikhadi elihlawulwa kuqala, aliyi kuba nempembelelo kumanqaku akho ekwereti, okulungileyo okanye okubi.
Ukuba ufuna ukuvuselela ikhredithi yakho, khawucinge ngekhadi lekhredithi elilondoloziweyo njengendlela engcono. Kuyafana nekhadi elihlawulwa ngaphambili ukuba kufuneka wenze idiphozithi ukuze ufumane ikhadi kodwa ngokwenene ikhadi lekhredithi. Idiphozithi yenza njengobuncwane xa ungayikhokheli ibhalansi yekhadi lakho lekhredithi , kwaye imbali yakho yokuhlawula ibhalwa kwiivenkile zemali-mboleko.