Ukuhlawulwa kwekhadi lakho lesikweledu ngumlinganiselo omncinci onokuwuhlawulela kwibhalansi yekhadi lakho lekhredithi ngaphandle kokuhlawulwa ngemali ehlawuleyo kwaye inzala yenzalo inokunyuka. Ukuba ubeka ingqalelo kwisitatimenti sakho sokuhlawula nganye inyanga, mhlawumbi uqaphele ukuba inkokhelo yakho encinci ingatshintsha ukusuka kwinyanga enye ukuya elandelayo.
Ekubeni inkokhelo yakho encinci inokuhluka nganye ngenyanga, kunokuba nzima ukwenza uhlahlo lwabiwo mali, ngaphandle kokuba uqonde indlela inkokhelo yakho encinci ibalwa ngayo.
Emva kokuba uyazi ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) obala imali yakho encinci, unokuqikelela ukuhlawulwa kwakho ubuncinci ukuba uqikelele ukuba uzakufuneka uhlawule njani kwikhadi lakho lekhredithi inyanga nganye.
Indlela 1: Ipesenti yeBhalance
Abanye abanikidi bekhadi lesikredithi balala inkokhelo encinci njengepesenti yokulinganisela, ngokuqhelekileyo phakathi kwe-2% ne-5%, ekupheleni komjikelo wokuhlawula.
Umzekelo: Intlawulo yakho encinci i-2% ye-balance yakho kwaye unayo ibhalansi ye-$ 1,000. Intlawulo yakho encinci ibalwa njenge: 1000 X .02 = $ 20.
Indlela 2: Ipesenti yeBhalance + Ukuhlawulwa kwezeMali
Inkokhelo yakho encinci ingabalwa ngokuthatha ipesenti yemali ekupheleni komjikelo wenkokhelo kunye nokongeza imali yentlawulo yenyanga .
Umzekelo: Intlawulo yakho encinci i-1% yemali yakho. Ibhalansi yekhadi lakho lesikweletu li-$ 1,000. Ikhadi lakho lekhredithi ngu-APR li-12% kunye nentlawulo yakho yezimali ngenyanga leyo i-$ 10. Ukucinga ukuba awukho imali, imali yakho encinci iya kuba yi-$ 10 + $ 10 = $ 20.
Ukongeza kwiNkokhelo yakho encinci
Imirhumo yezohlwayo kunye neentlawulo ezidlulileyo ezongezelelweyo zingenakongezwa kwintlawulo encinci yokuhlawula ixabiso lentlawulo yakho encinane kwinyanga leyo.
Kwakhona, umnikezeli wakho wekhadi lokuthenga ngetyala ungongeza nawuphi na umrhumo ogqithise umda wakho wekhredithi kwi-intlawulo yakho encinci. Ngokomzekelo, ukuba ibhalansi yakho i-$ 1,050 kwaye umda wakho weekhredithi ngu-$ 1,000, imali yakho encinci yokuhlawulwa ingaba ngu-2% wemali = $ 21 + $ 50 = $ 71.
Emva kokuba ufumana, hlawula imali esele idlulileyo, kwaye ubeke ibhalansi yakho ngaphantsi komda wesikweletu, iindleko zakho ezincinci kufuneka zinciphise.
Inkokhelo yakho encinci ibalwa njani?
Unokufumana ukuba iyiphi indlela umthengisi wakho wekhadi lokuthenga ngekhredithi usebenzisa ngokufunda isivumelwano sakho sekhadi lesikweletu . Khangela icandelo elibizwa ngokuthi "Indlela yakho encinci yentlawulo ibalwa" okanye "Ukwenza iintlawulo." Ukuba ufunda ingxelo yekhompyutheni yesivumelwano sakho sekhadi lesikweletu, ungasebenzisa umsebenzi wokuFumana (i-Ctrl + F okanye iCmd + F) ukufumana amagama "intlawulo encinci." Ummeli wenkonzo yabathengi unokukunceda uqonde indlela inkokhelo yakho encinci ibalwa ngayo.
Izizathu zokuhlawulwa kwakho kweNqanaba elingaphantsi kwamanzi
Kukho izizathu ezimbalwa zakho zokuhlawula ubuncinci ezinokunyuka.
- Uthe wabuya emva kwentlawulo.
- Ukulinganisela kwakho kuye kwanda.
- Uphezu komda wakho wesikweletu.
- Inzala yakho yenzalo.
- Umnikezeli wekhadi lesikweletu watshintshe ipesenti esetyenzisiweyo ekubaleni, nokuba ngumgaqo-nkampani okanye ngenxa yokuba unobungozi obukhulu bekhredithi.
Ukulinganisela kwakho ngokupheleleyo kungabi yiNtlawulo yakho encinci
Kwezinye iimeko, umniki wekhadi lakho lesikweletu angafuna ukuba uyihlawule ngokugcwele.
- Ukuba ibhalansi yakho ingaphantsi kwemali ethile, njengama-$ 25, umzekelo, inkokhelo yakho encinane ingaba ibhalansi epheleleyo.
- Ukuba i-akhawunti yakho ihlawulwe, awuyi kuba ne-luxury yokukhokha iintlawulo zenyanga kunye nomniki wekhadi lakho lesikweletu uya kufuna i-balance balance.
- Ukuba unayo ikhadi lokukhawuleza , intlawulo yakho encinci ibhalansi epheleleyo kwikhadi lekhredithi. Ngokwemvelo, ukuhlawula amakhadi akuvumeli ukuba uthwale ibhalansi yekhadi lesikweletu ukusuka ngenyanga ukuya kwenyanga, ngoko awuvunyelwe ukuhlawula isahlulo semali nganye ngenyanga.