Amakhadi amaninzi amatyala avumela abanikazi bamakhadi ukuba bahoxise imali ngokumalunga nomda wokuthenga ngetyala kwi-transaction ebizwa ngokuba yi-cash advance. Kufana nokurhoxisa imali kwi-ATM usebenzisa ikhadi lakho lokubambisa, kuphela lo mthengi uboleka imali kwi-credit yakho. Xa usebenzisa ikhadi lakho lekredithi ngemali engaphambili, kufuneka ubuyisele imali njengoko wenzayo ngokuthenga kwakho kwikhadi lakho lesikweletu.
I-Cash Advance Fee
Umnikeli wakho wekhadi lokuthenga ngekhredithi akwenzanga ngokwenene nayiphi na inzuzo ngokukuvumela ukuba wenze imali engaphambili, enokuyenza nge-ATM okanye ngokukhawuleza uhlole umnikeli wakho wekhadi oyithumelayo ngeposi.
Baya kwenza imali ekuthengiseleni, ngokuhlawula imali yokunyuka kwangaphambili kwemali rhoqo xa uthabatha ukuhamba kwangaphambili kwemali ngokukhawulelwa kwemali yakho. Oku kungaphezulu kwenzalo ehlawulwayo ukususela ngomhla owenza ngayo imali yangaphambili.
Ingakanani Imali Yesikweletu seKharity Card Cash Advance Fee?
Imali echanekileyo yemali yakho yangaphambili yemali ixhomekeke kwisixa sakho sokuhamba kunye nendlela okhupha ngayo umthengi wamakhadi ekhredithi asebenzise ukubala intlawulo.
Ininzi yokukhishwa kwekhadi lekhredithi okanye intlawulo yesibhambathiso okanye ipesenti yemali esengaphambili yemali, naluphi na omkhulu. Umzekelo, umrhumo wokuhlawula imali oqhelekileyo ungaphezulu kwe-10 okanye 5%. Ngoko ke, ukuba uthabatha imali engama-$ 100 phantsi kwalo mqathango, imali yakho yokusasa imali iya kuba yi-$ 10 ukususela kuma-5% e-$ 100 kuphela ngama-5 kuphela. Ngakolunye uhlangothi, ukuba uthabatha imali engama-$ 500, imali yakho yokusasa imali iya kuba yi-$ 25.
Ngamakhadi athile eentengo zemboleko, unako ukuhlangabezana nemali engaphambili yemali nangona ungayifaki imali esekelwe kwi-ATM.
Uyakuhlawulwa kwakhona imali yentlawulo esengaphambili yemali xa usebenzisa i-check cash convenience check or usetyenziso lwekhadi lakho lekhredithi njengokhuselo lwe-overdraft okanye enye yokuthengiselana ngokulinganayo kwemali. Umrhumo wokusebenzisa ikhadi lakho lekredithi lokukhusela i-overdraft ingahluka kwiimali zokuhlawula imali ngokuqhelekileyo.
Umnikezeli wakho wekhadi lokuthenga ngetyala kufuneka adalule indlela esebenzisa ngayo ukubala imali yakho yangaphambili yemali.
Jonga kwisivumelwano sakho sekhadi lesikweletu okanye emva kwetatimenti yakho yokubhengeza ngolwazi olungakumbi. Ukuba unemibuzo malunga nomrhumo wakho wokupasa ngemali, qhagamshelana neSebe leenkonzo zamakhasimende ngamakhadi ngokuthenga inombolo kwinqoloba yakho yekhredithi. Yazi ukuba umrhumo ubalwa ngaphambi kokuba uthabathe i-cash advance ukuze ungabanjwa.
Ngaba Unokuyiphepha Imali Yengxelo yeCash Advance Fee?
Ukuphepha ukuhlawulwa kwemali kwangaphambili kunzima kakhulu. Abanye abakhupha amakhadi ekhredithi bahlawulisa intlawulo yokuthenga izinto ezinokuguqulwa kalula zibe yimali. Ezi zibizwa ngokuba ngumthengi olinganayo kwaye ziquka ukuthengwa kwezinto ezifana nemiyalelo yeemali, amakhadi wesipho elayishwayo, ukutshintshwa kwefowuni, kunye nokuhlolwa kweendwendwe.
Unokunciphisa umrhumo wakho wokuhlawula imali ngokunciphisa inani lemali oyihoxayo kwikhadi lakho lesikweletu. Kwaye ekubeni inzala iqala ukukhawuleza ngokukhawuleza kwemali, ukuhlawula imali yakho ngokukhawuleza ngokukhawuleza kuya kunciphisa iindleko eziqhubekayo.