Ngethuba nje unamathela kwimimiselo yekhadi lakho lekhredithi kwaye ugcine ikhadi lakho ngokuma kakuhle, uya kufumana inzala engaphantsi. Iimpazamo ezithile, nangona kunjalo, zinokubangela ukulinganiselwa kwezinga, umyinge wenzala onokukwenza ube kubi kakhulu ukuphatha imali kunye nokukhawuleza ukuhlawula ikhadi lakho lesikweletu.
Iyintoni inqanaba lomlinganiselo wekhadi lokuthenga ngetyala?
Isilinganiso sokungagqibeki kwikhadi lekhredithi, ngokuqhelekileyo okubizwa ngokuba yizinga lesohlwayo, inqanaba eliphezulu lentlawulo ehlawulwe ngumboleki okanye umboleki, ngokuqhelekileyo njengesihlwayo sokuhlaselwa kwiintlawulo ezingama-60 okanye ngaphezulu, ngaphezu kwekhadi lesikweletu, nokuba nekhadi lakho lesikweletu. intlawulo ebuyiswe yibhankini yakho.
Iirhafu ezingekho phantsi kwekhadi zikarhulumente ngokuqhelekileyo zingama-29,99%. Intlawulo yezemali yayiya kuba ngu-20.54 yeedola kwi-bhiliyoni eyi-1 000 ibhalansi yemali kwisilinganiso esilinganiselweyo. Ukuthelekisa oku kwi-10.27 yeerhafu yeemali oza kuhlawula ngayo kwibhalansi enye kodwa ngexabiso elincinci elingaphantsi kwe-15% kwaye uza kubona ukuba ixabiso elingagqibekanga linokuba libiza kangakanani.
Ukuba umnikeli wakho wekhadi lesikweleti ukwandisa izinga lakho lomdla kwizinga elingagqibekanga, unako ukuhlahlisa ezintandathu kwiinyanga nje nje ngokuba unamathela kwimigangatho yamakhadi wakho. Oko kuthetha ukuba wenze inkokhelo yakho ngexesha, uhlale ngaphakathi kwinqanaba lakho lokuthenga ngetyala, kwaye uhlale unemali eyaneleyo kwi-akhawunti yakho yokukhangela ukuze uhlawule i-credit card yakho yentlawulo ukuze inkokhelo yakho ingabuyiselwa.
Ngokuxhomekeke kwiimali zekhadi lakho lekhredithi, isantya sinokubuyela kuphela phantsi kwebhalansi yakho ekhoyo. Abanye ababolekisi bangasasebenzisa isantya esiphezulu kwiintengo ezithengiweyo ezenziwe emva kokuba isantya sohlwayo siphumelele.
Zintathu iindlela zokuphepha umlinganiselo ongagqibekanga
Akunzima ukuphepha isantya esingagqibekanga kwibhalansi yakho yekhadi lesikweletu.
Landela le migaqo ephambili kwaye unokuphepha ukuba izinga lakho lomdla linyuka kwizinga elingagqibekanga.
- Yenza zonke iintlawulo zakho ngexesha . Ukuba uthe wabuya kwintlawulo enye, ubanjwe ngokukhawuleza kuba isantya esingagqibekanga sikhatyathwa emva kweentsuku ezingama-60 ekugqibeleni, oko kukuthi iintlawulo ezimbini ezingekho phantsi.
- Hlalani ngaphantsi komda wesikweletu sakho . Ngelixa abaninzi abanokukhishwa ngamakhadi esikweleti banqamle imali engaphezulu kwemida, abazange basuse i-trigger yenqanaba elilinganayo elenzekayo xa uhlawula ngaphezu komda wakho.
- Qinisekisa ukuba unemali eyaneleyo kwi-akhawunti yakho yokujonga ukuhlawula yakho intlawulo. Iitshekhi ezibuyiselweyo azikho nje kuphela ezikhokelela ekuhlawuleni intlawulo yokuhlawula, kodwa ziphinde zenze isantya esingagqibekanga.
Ngombulelo kuMthetho we- Credit CARD ka-2009 , akukho mhlaba ongasetyenziswayo kuyo yonke indawo apho naliphi na umboleki-mali angaphakamisa izinga lakho kwisantya esingagqibekanga ngenxa yokuba uye wafika emva kwexesha okanye ngaphaya komda kunye nelinye ikhadi lekhredithi.
Imali kunye neNkcitho yoMhlala-phantsi
Uhlobo oluthile lwezinga lokungagqibekanga lisetyenziswe ngumbutho wesikweletu kunye nemali-mboleko ukulinganisa inani labaphathi bekhadi lesikweletu kunye nababolekisi bemali mboleko abasemva kweentlawulo. Le nqanaba elingagqibekanga liqwalasela amakhadi ekrekodi edlulileyo ngenxa yoko, kodwa akahlawulwanga okanye ahlawuliswe kunye nokuboleka imali kunye nemali-mboleko yemali engaphezulu kweenyanga ezintathu ezidlulileyo ngenxa.
Isilinganiselo esingagqibekanga singasetyenziswa ukulinganisa impilo yezoqoqosho. Ukunyuka kwamazinga angagqibekanga - abaninzi ababolekayo bekhawuleza kwikhadi lekhredithi kunye neentlawulo zemboleko - kunokuthetha ukuba uqoqosho lujongene nobunzima. Iqondo eliphezulu lokubambisa imali lithetha ukuba ukwanda kwendlu ekubekwe kuyo kungenziwa kwindlela.