Hlela indlela yakho yokuphucula umvuzo weNgxowa-mali
Kwaphela iminyaka, abazali baye basebenzisa ikhadi lekhredithi ngokukhawuleza ukubanceda abantwana babo baqalise ukuqala kwikhredithi yabo. Ikhadi lokuthenga ngetyala le-piggybacking libhekisela ekongezeni umntu njengomsebenzisi ogunyazisiweyo kwikhadi lakho lekhredithi, ngokuqhelekileyo ukubanika ukunyusa isikweletu.
Ngonyaka ka-2007, ikhadi lekhredithi lixhomekeke phantsi kwexesha eliphantsi kwexesha lokukhangela imali . Iinkampani zokulungisa izikweletu ze-Shady kunye nabathengi abangathembekanga basebenzise inkqubo ye-piggybacking ngetyala ukwenzela ukukhuthaza amanqaku amatyala angalunganga ukuba afaneleke ukufumana imali ebanjwe ngabanini bezindlu abanenako ukuthenga.
Kwangokukhawuleza, kwakubonakala ngathi iinzuzo ze-piggybacking ngetyala zaza kutshabalala, kubantu abasebenzisa lo mkhuba ngokusemthethweni.
Yintoni iKhadi leKhadi lePiggybacking?
Ikhadi lokuthenga ngetyala le-piggybacking lifana nomdlalo wobuntwana oqhutyelwa ngaphaya komnye umntu, kodwa endaweni yempendulo, uqhutshwa kwiakhawunti yomntu wesikweletu. Umnini wekhadi lomniki-mboleko uneza omnye umntu njengomsebenzisi ogunyazisiweyo kwiakhawunti yekhadi lekhredithi. Emva koko, yonke imbali yale akhawunti yekhadi lesikweletu ivela kwingxelo yemboleko yomsebenzisi ogunyazisiweyo kwaye ifakiwe kumanqaku abo ekwereta . Akukho namanye amakhadi omkhadi okanye iimali-mboleko eziza kubonakala kumlando wekredithi yomsebenzisi ogunyazisiweyo, kuphela kwikhadi elinye.
Ukuba ngumsebenzisi ogunyazisiweyo kwikhadi lekhredithi elinomlando wokuhlawula okulungileyo uza kukhulisa amanqaku akho (kunikwe i-credit score score calculation kuquka i-akhawunti yomsebenzisi ogunyazisiweyo kwizikolo zemali-mboleko). Ngakolunye uhlangothi, ukuhlawulwa kwexesha elide kunye neemali eziphezulu zekhadi zekhredithi kwi-akhawunti yomsebenzisi ogunyazisiweyo kunokunciphisa amanqaku akho ngokuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi.
Qaphela ukuba akuzona zonke iinkampani zekhadi lesikredenti ezibika ii-akhawunti zomsebenzisi ezigunyazisiweyo kwiimali-mboleko zemali-mboleko, ngenxa yeendleko kunye nxalenye ngenxa yendlela yokuziphatha kakubi.
Ukuxhatshazwa kokuShatshazwa
I-Piggybacking yaba yindlela yokuba abantu abanekhredithi engalunganga kwizikolo eziphezulu zamatyala ezingenakwenziwe ngaphandle kokuba benze umsebenzi wokwakha iitaliti ngokwabo.
Kukho iinkampani ezihlawula umrhumo wokudibanisa njengomsebenzisi ogunyazisiweyo kwiakhawunti yekhadi lekredithi elimvelaphi. Ngenxa yoko, uza kubona ukunyusa kwinqanaba lakho lekhredithi xa i-akhawunti ibetha ingxelo yakho ye-creidt. Emva koko, ungasebenzisa amanqaku aphezulu ukuze ufanele ukubolekwa kwemali-mboleko, amakhadi enkoleko kunye namanani enzala awungenako ukufumana enye into. Awunakufikelela kwikhadi lesikweletu okanye ngokwenkcukacha ye-akhawunti, kuphela inzuzo yembali ebonisa ingxelo yengxelo yakho yemali.
Xa i-meltdown iqala ukuhlawula, ababolekisi baqaphela ukuba babekhohlisiwe kwaye bagxeka indlela i-akhawunti egunyazisiweyo ngayo i-akhawunti yomsebenzisi ingasetyenziselwa ukufaka i-credit score score. Ekuphenduleni, i-FICO yenza i-eponymous score ukuze ivumele ababolekisi ukuba baqikelele ukuqikelela ukukhwabanisa i-akhawunti yomsebenzisi ogunyazisiweyo. Inkampani ekuqaleni icebo lokususa i-akhawunti yomsebenzisi ogunyazisiweyo ngokubala ngokupheleleyo, kodwa ngelanga ngelungelo labasebenzisi abagunyazisiweyo, bakhetha umzila onobungakanani bomthengi.
Ngaba i-Piggybacking engekho mthethweni?
Akukho ukungavumelani nokuba i-credit card piggybacking ayikho mthethweni okanye iyakhohlisa. Umthetho wase-US uthi umntu owenza ubuqhetseba bebhanki "uyaziqhuba ngokuzenzekelayo, okanye uzama ukuqhuba, iskimu okanye i-artifice yokukhwabanisa isikhungo sezemali okanye ukufumana nayiphi na imali, iimali, izikweletu, i-asethi, i-securities, okanye enye impahla ephantsi kwayo, okanye ngaphantsi kokugcinwa okanye ukulawulwa, isikhungo sezemali, ngetyala lobuxoki okanye ukukhwabanisa, izibhengezo okanye izithembiso. " Ulwaphulo-mthetho luhlawulwa li-$ 1 yezigidi ezilungileyo okanye iminyaka engama-30 entolongweni okanye zombini.
Ngokusekelwe kwenkcazo, ikhadi yekredithi ye-piggybacking inokuqwalaselwa njengenkohliso yebhanki, kodwa, kuze kube yimhla, akukho myalelo wesigqeba owenziweyo.
Ngaba I-Piggybacking Isasebenza?
Akunjalo lula ukukhupha amanqaku akho okwekhredithi ngenxa yokokuba imboni yesikweletu ivalwe kuyo. Abanye abaniki bamakhadi bekhredithi abaxeli i-akhawunti yomsebenzisi ogunyazisiweyo kwiimali-mboleko zemali-mboleko okanye baxela kuphela i-akhawunti xa umsebenzisi ogunyazisiweyo ngokwenene enekhadi lesikweletu kwi-akhawunti. Ukubalwa kwamanani okuthenga ngetyala kuye kwaba yinkimbinkimbi kakhulu, ukufumanisa xa i-akhawunti yomsebenzisi ogunyazisiweyo imiselwe ngokusemthethweni kwaye xa ungeze kwi-akhawunti yomntu ongaziwayo ngenjongo yokwandisa amanqaku akho.