Yiyiphi i-Preset Spending Limit?
Uninzi lwabantu luya kuthatha i-preset rate limit means you have power purchasing power with that card credit card.
Akukho makhadi omlinganiselo wokuchitha imali asetshenzisiweyo, kodwa akukho loo nto.
Amakhadi eemboleko angenawo umda wokusetyenziswa kwemali engasetyenziswanga awunalo umda wekhredithi ochaziweyo wekhadi. Kunoko, umlinganiselo ngamnye wokuchitha umboleki unqunywe ngokusekelwe kwingeniso yakhe, umlando wentlawulo, inani lamakhadi-mboleko, iipateni zokusetyenziswa kwexesha elidlulileyo kunye nezinye izinto zemali umniki-khadi wesikweletu owaziyo ngawe. Abaniki bamakhadi abakhredithi abavakalisi iindlela zabo ezichanekileyo zokubala imida yokuchitha imali yamakhadi, ngoko kunzima ukuqikelela ukuba yeyiphi imida yokuchitha imali.
Enye yeengxaki zokuba nekhadi lesikweletu ngaphandle komda wokusetyenziswa kwemali esele ungayiqondi ngokwenene ukuba unako ukuchitha kwikhadi lesikweletu. Kwikhadi lekhredithi elinomda wesikweletu, unokujonga ubungakanani bakho kunye nekhredithi ekhoyo ukuba wazi ukuba unako ukuthenga. Awunawo amandla afanayo kwikhadi lesikweletu ngaphandle komda wokuchitha imali.
Esikhundleni sokunyuka komlinganiselo wesikweletu ukwenzela ukuba wenze i-credit engaphezulu kuwe, umda wokuchitha ulungelelanise ngezikhathi ngokusekelwe kwindlela ochitha ngayo kunye nemirhumo yokuhlawula. Unokuvunyelwa ukuba udlulise umda wakho wokunciphisa umda kwi-credit card's issuer's discretion. Unokuphinda unqatshelwe ngenxa yokuthenga ngaphandle kwemida yakho eqhelekileyo, nangona umda wokuchitha imali uphezulu ngokwaneleyo ukuhlawulwa.
Ngakolunye uhlangothi, unako ukufumana umda wakho ukwandiswa ngesicelo.
Akukho mali esetyenzisiweyo yokukhawulwa kwamakhadi ekrekodi anikezelwa kubbolekayo abanembali enkulu yemboleko yemali, abo baye babonisa ukuba bangasebenzisa ngokufanelekileyo umlinganiselo wesikweletu. Baye baqheleke kunye namakhadi okuhlawulwa okufuna ukuba uhlawule ibhalansi yakho ngokugcwele inyanga nganye.
Akukho Mpembelelo weMali yokuPhathwa kweMali kwiCredit Score
Ukuchithwa kwemali yamakhadi ekredithi kulungiswe ukuba kube nempembelelo embi kumanqaku akho ekhredithi, kodwa kuxhomekeke kwindlela umlinganiselo wakho wekhredithi ochazwa ngayo kwii-credit bureaus. Ingxenye yesikhokelo sakho semali-mboleko ibona ukusetyenziswa kwekhredithi yakho - ingakanani umda wakho wekredithi esetyenziswayo.
Ukubalwa kwamanqaku ekhredithi kuxhomekeke kumlinganiselo wekhredithi kwiingxelo zokukhishwa kwamakhadi ekhredithi kwi-credit bureau. Ukuba akukho mda wesikweletu ochazwe, i-credit score score calculation (ubuncinane umlinganiselo we-FICO) uyayigxeka ukuba ikhadi lekhredithi ngenjongo yokubala ukusetyenziswa kwekhredithi . Nangona kunjalo, ukuba umniki wekhadi lokuthenga ngetyala (credit card) uyabhawula ibhalansi yakho ephezulu okanye umda wakho we-credit limit, umlinganiselo wakho wekhredithi unokuchaphazeleka ukuba ibhalansi yakho ifana kunye okanye kufuphi naluphi na inani leenkontileka zekhadi lokuthenga ngetyala ngekhredithi yakho.