Ukukhawuleza kwekhadi lokuthenga ngetyala kuyenzeka xa usuke uhlaselwe ngokugqithiseleyo kwi-card credit card yakho. Ubume bekhadi lekhredithi elingathinteli nje ukuma kwakho kunye nomniki-khadi wekhredithi, kodwa kunye nekhredithi yakho ngokubanzi kunye nokukwazi kwakho ukufumana imvume yamakhadi-mboleko, iimboleko kunye nezinye iinkonzo ezisekelwe kwi-credit.
Indlela iKhadi leMboleko eliyiyo lenzeke ngayo
Xa uyamkela ikhadi lekhredithi, uyavumelana nemigangatho ethile.
Ngokomzekelo, uyavuma ukwenza inkokhelo yakho encinci ngosuku olufunekayo olufakwe kwisitatimende sekhadi lakho lesikweletu. Ukuba ulahlekelwa ubuncinane bekhadi lesikweledu ukuhlawulwa kweenyanga ezintandathu kwimiqolo, ikhadi lakho lekredithi liya kuvela. Umnikezeli wakho wekhadi lokuthenga ngekhredithi uya kuvala i-akhawunti yakho kwaye ingxelo ingxelo engagqibekanga kwi-credit bureaus.
Kwiinyanga ezikhokelela kwikharityhulam engagqibekanga, imeko yakho yokugqibela yentlawulo (ekupheleni) iya kubikwa kwii- three bureaus ezinkulu zemali kunye nomyinge wakho wekhredithi uza kuthintela ekuphumeni kweentlawulo zakho. Ukuba ufaka isicelo sawo nawaphi na amakhadi amatyala ekhredithi okanye iimali-mboleko emva kokungagqibekanga kwekhadi lesikweletu, isicelo sakho siya kukhishwa ngenxa yokuba abathengi bacinga ukuba usemngciphekweni wokungagqibekanga kwiimbopheleleko ezintsha zetyala. Enyanisweni, abanye ababolekisi abanakukuvumela oko konke kude kube yilapho usususile ibhalansi engagqibekanga (okanye idibanisa ingxelo yakho yekhredithi ).
Ngexesha lekhadi lakho lekhredithi alifezekanga, mhlawumbi uqokelele amakhulu emadola kwiimirhumo kunye neentlawulo zenzalo.
Ngelishwa, iinketho zakho zokucima i-credit card default are to be limited because of the number of payments you missed on your account. Ukuba uye waqhagamshelana nomniki-khadi wakho wekhredithi ngokukhawuleza, usenokuba nakho ukwenza ilungiselelo lokwenza iintlawulo kwixesha elidlulileyo lemali kwaye ubuyisele iakhawunti yakho kwindawo efanelekileyo.
Ngeli nqanaba, umnikeli wakho wekhadi lokuthenga ngetyala uya kulindela ukuba i-akhawunti ihlawulwe ngokupheleleyo.
Nazi iindlela zakho zokujongana nekhadi lokuthenga ngetyala:
- Bhatala i-akhawunti ngokupheleleyo, ukuba unayo imali, kunjalo. Okokuqala, zama ukuxoxisana nomvuzo wokucima apho umniki wekhadi lesikweletu ekhupha i-akhawunti kwingxelo yakho yekhredithi ngokutshintshela intlawulo. Abanye ababolekisi bangavuma, abanye abayi kuba, kodwa awukwazi ukuba awuceli.
- Hlela i-akhawunti engaphantsi kwexabiso elifunekayo. Ukumisela ityala kuxoxisana. Umboleki makangamkeli ixabiso elingaphantsi kwexabiso elifanelekileyo, kodwa ezinye ziyakunyanzelwa.
- Ifayile yebhanki . Ngokuxhomekeke kumlinganiselo wokungagqibekanga kunye nawaphi na amatyala anakho, unokuqwalasela ukufakela i-bankruptcy ukuba uhlaziye ityala lakho kwaye lenze lifikeleleke okanye likhutshwe. Qaphela ukuba i-bankruptcy ihlala kwingxelo yakho yekredithi iminyaka engama-7-10, ngoko akusiyo isigqibo sokungena ngokulula.
- Sukwenzanto. Ungayihoxisa i-akhawunti, mhlawumbi unqume ukuba yintoni oyenzayo malunga nayo emva kwexesha. Qaphela ukuba umboleki-mali unokukuxolisa ngenxa yetyala, uluhlu kwi-credit report yakho, kwaye unokumangalela nangona umyalelo wokuba ulinganiselwa .
Ukuba ufumana iifowuni ezivela kubaqokeleli beetyala, ungawayeka ngokuthumela i-stop and deist letter .
Qaphela ukuba le leta ithetha kuphela kubaqokeleli beetyala zenkampani yesithathu, kungekhona umboleki-mboleko.