Umehluko phakathi kwamakhadi aKhuseleko aKhuselekileyo kunye neeCards ezihlawulwa
Zomibini amakhadi ezithengiweyo kunye namakhadi ahlawulwe kuqala kufuneka ukuba ubeke imali ngaphambi kokuba usebenzise.
Zomibini zingasetyenziselwa kwiindawo ezifanayo zokusetyenziswa kwamakhadi wesikweletu, umzekelo, izitolo zokutya, iimpompo zegesi, njl. Kodwa ke, ukufana kufuma.
Ikhadi lekhredithi elikhuselekileyo lifuna ukuba wenze i-deposit deposit malunga nomda we-credit ngaphambi kokuba uvumeleke kwikhadi. Ukhuseleko lwakho lufakwa kwi-akhawunti yokulondoloza okanye isitifiketi se-deposit (CD) kwaye igcinwe khona kude kubekho ikhadi lakho liguqulwe kwikratshi engakhuselekanga uze udibanise kwikhadi lekhredithi (unethemba lokuba awuzange wenze).
Ukufaka isicelo sekhadi lesikweletu elikhuselekile kufana nokufaka isicelo kwikhadi lekhredithi rhoqo. Abaninzi bamakhadi bamakhadi bajonga iimbali zakho zembali, kodwa uvumelekile ukuba uvumeleke nangona unembali yebhanki embi. Xa usebenzisa ikhadi lokuthenga ngetyala, uboleka imali, nje ngekhadi lesikweletu rhoqo. Ukuthengwa okwenziwe ngekhadi lekhredithi elikhuselekile kukuchasene nomlinganiselo wakho wokuthenga ngetyala kwaye kufuneka ukuba wenze iintlawulo zenyanga rhoqo kwi-card balance card.
Ukuhlawula ukulinganisela kwakho
Xa uhlawula ibhalansi yakho yekhadi lesikweletu, i-credit yakho ekhoyo iyakhuphuka kwakhona, nje ngekhadi lesikweletu rhoqo. Inkokhelo yokhuseleko iyadingeka ngenxa yokuba ungumboleki okhuselekileyo. Amakhadi ahlawulwayo ahlukile. Nangona bahlala bebizwa ngokuba ngamakhadi ekhredithi esikhokhelwa ngaphambili, awanamakhadi ekredithi kuwo onke.
Esikhundleni saloo nto, zifana namakhadi okutsalwa, ahlanganiswe kwiakhawunti yokujonga. Akukho mda wekhredithi kwikhadi elihlawulwa kuqala. Ubeka idiphozithi kwikhadi kwaye ingena kwi-akhawunti.
Xa uswayipha ikhadi ngokuthenga, endaweni yokuboleka imali kumniki wekhadi lokuthenga ngetyala, inani lokuthenga lichithwe kwi-balance card yakho. Xa usuchitha kwidiphozithi yakho, kufuneka uhlawule imali ngaphambi kokuba uchithe kwakhona.
Ngekhadi elihlawulwe ngaphambili, awuyi kuba nexhala malunga nokwenza iintlawulo zenyanga ngethuba lokuphepha izigwebo ezikhawulezileyo kunye nomonakalo wesikweletu. Akukho khredithi yokukhangela kwikhadi elihlawulwe ngaphambili, ngoko awuyi kuguqulwa ngenxa yembali embi yesikweletu.
Yiyiphi Ikhadi Iindleko ezininzi
Imirhumo iyahluka phakathi kwamakhadi alondoloziweyo kunye neentlawulo ezihlawulwa. Ikhadi lekhredithi elikhuselekile linemali efana nekhadi lesikweletu : intlawulo yesicelo, intlawulo yonyaka, intlawulo yeemali kunye nemali yokugqibela. Ezinye zee ntlawulo zifunwa. Abanye bangagwenywa xa usebenzisa ikhadi lakho lekredithi ngokufanelekileyo.
Amakhadi ahlawulwe kuqala ahlawule imirhumo eyahlukileyo kwaye, ngokuxhomekeka kwikhadi olikhethayo, ezinye zazo ziphezulu. Imirhumo yokusebenza kunye neentlawulo zenyanga zokugcina zihlawuliswa okokuqala xa uvula i-akhawunti yakho kwaye inyanga nganye ivulekile. Unokufuneka uhlawule umrhumo ukuze ulayishe imali kwakhona ekhadini, uhoxise imali kwi-ATM, okanye usebenzise umrhumo werhafu.
Kukho amakhadi ahlawulwe ngokukhululekile. Akukho ntlawulo yenzalo okanye iimali ezidlulileyo kunye nekhadi lokubhadela.
Amakhadi aKhuseleko aKhuselekileyo kunye neeKhadi eziPhambili
Ukuba ufuna ukuphucula umlinganiselo wakho wekhredithi, ikhadi lekhredithi elilondoloziweyo likhethekileyo. Qinisekisa ukuba ukhetha ikhadi lekhredithi elikhuselekile elinika ingxelo kwii-three bureaus ezinkulu zemali. Abanye abakhupha amakhadi ekhredithi baya kuguqula ikhadi lakho lekhredithi elikhuselekile kumntu ongakhuselekanga emva kweenyanga ezili-12 ukuya kwezi-18 zeentlawulo ezifike ngexesha.
Ikhadi elihlawulwa ngaphambili lidla ngokukhetha abantu abangenakufumana i-akhawunti yokujonga okanye bafuna ukuphepha iibhanki. Abaqeshi abaninzi banokuthi batyelele idilesi yakho yokubhadela kwikhadi elihlawulwa ngaphambili kunye namanye amakhadi ahlawulwe ngaphambi kokuba avumele ukuthumela iikopi ezimbalwa ngenyanga okanye ubhalise kwi-bill ye-bill ye-intanethi. Amakhadi ahlawulwayo ayenzileyo kubaselula kunye nabafundi abafumana isibonelelo kubazali.