Yiyiphi ixesha lokuBala kwiKhadi leMatyala?
Uninzi lwamakhadi-krediti anethuba lobabalo, yimalini yexesha kufuneka uhlawule ibhalansi yakho ngokupheleleyo ngaphandle kokuhlawula imali yentlawulo . Isikhathi sobabalo sisoloko siqala ngomhla wokuqala wesijikelezo sokuhlawula kwaye siphela inani elithile leentsuku emva, kuxhomekeke kumkhupheli wekhadi lesikweletu. Amaxesha obomi aqhelekileyo phakathi kweentsuku ezingama-21 neye-25. Ixesha elide lobabalo linika ixesha elide lokuhlawula ibhalansi yakho yekhadi lesikweletu kwaye ugweme iintlawulo zenzalo .
Unokufumana iinkcukacha malunga nexesha lakho lobabalo kwisivumelwano sakho sekhadi lesikweletu okanye kwisitatimende sakho sekhadi lesikweletu. Funda umva wekhadi lakho lekhadi lesikweletu malunga neenkcukacha "njani ukuba iindleko zakho zezimali zibalwe." Ukuba ufuna ukubhekisela kwisivumelwano sakho sekhadi lesikweletu, unokufumana ikopi yesivumelwano sakho sekhadi lesikweletu kwiwebhusayithi yekhredithi yekhadi lakho lekhredithi okanye unokuqhagamshelana nomkhupheli wekhadi lakho lekhredithi ukuze uthumele ikhophi kuwe.
Xa Ungeke Ube nexesha lobubele
Ezinye iintlobo zeekhredithi zekhadi zekhredithi zingenakho ixesha lobabalo. Ngokomzekelo, ukunyuswa kwemali kunye nokutshintshwa kwemali kungabikho ixesha lobabalo. Ngenxa yokuba le ntsebenzo ayinayo ixesha lobabalo, baqala ukufumana inzala ngokukhawuleza xa izithuba zentengiselwano kwi-akhawunti yakho (ecinga ukuba awunayo i-0% yokunyusa izinga). Ukuba ufuna ukugwema ukuhlawula umdla kwintengiso engenaxesha lobabalo, kuya kufuneka uyihlawule ngokukhawuleza.
Xa oko akunakwenzeka, unako ukuhlawula imali ngokukhawuleza kunokwenzeka ukwenzela ukunciphisa inani lemali oyihlawulayo.
Ukongezelela ekuqhubeni kwemali kunye nokutshintshwa kwemali, ukuthengwa okungekho mva kungabi nako ixesha lobabalo xa uqala umjikelezo wokuhlawula kunye nokulinganisela. Ukuze ugweme ukuhlawula iindleko zemali kwikhadi lakho lesikweletu, kufuneka uhlawule ibhalansi yakho ngokugcwele inyanga nganye ukuze uqale umjikelezo wokuhlawula kunye ne-$ 0 ibhalansi.
Ukukunika ithuba lokusebenzisa ngokugcwele ixesha lakho lobabalo, abaxhasi bekhadi-mboleko kufuneka bathumele inkcazo yakho yokubhatala okungenani iintsuku ezingama-21 ngaphambi kokuba iintlawulo zezimali zihlawulwe kwi-accounta yakho. Nangona kunjalo, isitatimenti sakho sekhadi lesikweletu asiyi kukunika naliphi na isibonakaliso malunga nokuba ibhalansi yakho yekhadi lesikweletu inexesha lobabalo. Oku kuyinto ofuna ukuyenza kunye nawe.
Ukuba uthe wenza kuphela intlawulo encinci kwikhadi lakho lesikweletu nganye ngenyanga, ixesha lobabalo aluyi kusebenza. Uya kuhlawulwa inzala kwi-ibhalansi engakhokhelwa kunye nokuthengwa kwakho okutsha nyanga zonke ude uhlawule ngokupheleleyo ibhalansi yakho. Ngaloo ndlela kuphela ixesha lokubonga liya kusebenza ekuthengeni okutsha.
Ixesha leMali yokuTyala kwiMali
Imali-mboleko inexesha lokubhatala inceba, kodwa alifani nexesha lobabalo lwekhadi lesikweletu. Ngomboleko, ixesha lokubakho intlawulo lixesha lexesha elilandelayo emva kokuhlawula umhla wokuba umboleko awuyi kulungiswa nangona ukuhlawulwa kuhlawulwa. Unokwenza inkokhelo yakho emva komhla wokugqibela, kodwa ngexesha lobabalo lokuphepha ukuhlawulwa kwexesha lokugqibela.
Iimali-mboleko zabafundi zineenyanga ezintandathu emva kokuba uphumelele okanye ukubhaliswa kwakho kuye kwehla ngaphantsi kwexesha lesigxina. Emva kwenyanga yesithandathu inceba, umboleko wakho womfundi uya kubuyiselwa kwaye kufuneka uhlawule inyanga nganye.