Ukuqhutyelwa kwiiKhowudi zeKhariti zeKhariti kunokunceda Uphephe ukuchitha imali
Ingxaki kukuba ukusebenzisa ikhadi lokuthenga ngeholide kwintengiso kunokukhokela lula kwi-hangover kwinyanga entsha.
Ukusebenzisa ikhadi lakho ngokufanelekileyo kwaye ukwazi ukuba iziphi izigodo omele uzigweme zingenza ikhefu lakho lokuthenga iholide libe lula ngendlela elula.
Ikhefu leKhariti yeKhokhelo Yenza: Yazi iNkqubo Yemivuzo Yakho
Umvuzo wekhadi lekhredithi libe yi-goldmine yokulondoloza kwiholide. Ukuba unayo ikhadi elibonelela ngemali xa uthengela kwi-intanethi okanye kwiivenkile zesebe, umzekelo, unokufaka isicelo sembuyekezo oyifumanayo njengengxelo yekhredithi kamva. Oku kufana nokufumana isaphulelo kwizinto ozithengayo.
Unokuphinda ufumane umvuzo wokuthenga ngeeholide ngendlela eyahlukileyo. Ngokomzekelo, ukuba unayo ikhadi elihlawula amaphuzu ekuthengeni, unokukwazi ukuwahlenga ngamakhadi wesipho okanye ukuthengiswa kwiivenkile.
Okanye, unako ukwandisa inani lemiphumo oyifumanayo ngokuthenga i-portal yakho ye-intanethi yekhadi lakho. Ezi ziphathekayo zinokunikela ngamaphuzu okanye ibhonasi yebhasi yemali, okanye izaphulelo ezinkulu, xa uthengisa nabathengisi beqabane.
Ukuba bekuye ixesha elide ukususela kwindlela yokuhlaziywa kwenkqubo yomvuzo wakho, ngoku lixesha elihle lokuhlaziywa ngendlela onokuyifumana ngayo (kwaye uhlawulele) imivuzo yakho .
Ikhadi leKhariti yeKhokhelo Musa uku: Chase Izaphulelo kunye neCards Store
Ngexesha leeholide, kunokubonakala ngathi unikwe ikhadi elitsha lekredithi kuyo yonke ivenkile oyithengayo.
Abathengisi banokunikela isaphulelo esikhulu ekuthengeni kwakho kokuqala okanye ezinye izikhuthazo zokulinga ukuba ungene ngemvume kodwa umthengi uqaphele.
Nangona amakhadi evenkile yokuthengisa anganikeza imali yokugcina imali, ayinokuba luncedo njengomvuzo wendabuko kwikhadi lekhredithi ngokukhawuleza, ngokukodwa xa ungasoloko ugcina isitolo. Olunye amaziko angenako ukukhupha iindleko. Amakhadi esitolo esithengiswayo angabhadela ipesenti yepesenti ephakamileyo yonyaka yokuthenga ngaphezu kwekhadi lekhredithi rhoqo, ekuhlawulela ixesha elide xa unokulinganisela.
Ekugqibeleni, khumbula ukuba ngelixa ukunikezelwa kwekhadi lokuthenga ngesikhokhelo kwikhodi, kuya kucela ukuba umbuzo ngamnye we-credit card ubonise ingxelo yakho ye-credit. Ukusetyenziswa kwamakhadi amaninzi ekweretyana ngeeholide kunganciphisa amaphuzu avela kumanqaku akho.
Ikhefu leKhariti yeKhokhelo Yenza ntoni: Beka uhlahlo lwabiwo mali
Ukusebenzisa ikhadi lekhredithi akusizathu sokuthenga ngaphandle kokushiya iiholide. Ngokweengqondo, ikhadi lekhredithi lingakunceda ukuba ugweme intlungu yokuhlawula oku kudla ngokuxhomekeke ekusebenziseni imali, kodwa kunokukunceda ukuba uchithe okungakumbi.
Ingaba uhlahlo lwabiwo-mali lwekhadi lokuthenga ngetyala leeholide? Qala ngokwenza uluhlu lwawo wonke umntu oceba ukuthenga izipho kunye nendlela othanda ukuyisebenzisa ngayo. Emva koko, hlaziya ingeniso yakho yenyanga kunye neendleko.
Ubungakanani na onokukwazi ukuchitha kwaye usakwazi ukuhlawula imali yakho yebhanki yekhredithi ngokugcwele xa ifika? Ngaba oku kufana noko uhlahlele imali?
Ukuba akunjalo, unokufuna ukunciphisa imali oyisebenzisayo kwizipho. Ukutshintshela ibhalansi kwikhadi elinama-0% ama-APR emva kweeholide kungakho ukhetho. Kodwa, kuya kufuneka ukubala ukuba ngaba uya kukwazi ukuhlawula ibhalansi ngokupheleleyo phambi kokuba isantya sokunyusa siphelelwe ixesha ukuphelisa iintlawulo zomdla .
Ikhefu leKhadi leKhokhelo Musa uku: Max Out Cards zakho
Umlinganiselo wakho wokusetyenziswa kwekhredithi udlala indima ebalulekileyo ekuqaliseni umlinganiselo wakho wekhredithi. Lo mlinganiselo ubonisa ukuba uninzi lwekhredithi ekhoyo oyisebenzisayo naliphi na ixesha. Ukunyathela izikali eziphezulu kunokuphazamisa kumanqaku akho ekwereti ngendlela enkulu.
Indlela efanelekileyo yokuphepha ukukhupha amakhadi amaninzi phezu kweeholide kukukhetha ikariti enye oyisebenzisayo yokuthenga.
Oku kungaba yikhadi elinikela ngezinga eliphezulu lomvuzo ekuthengeni. Okanye, mhlawumbi i-card enePA eqhubekayo yokuthenga.
Ngayiphi na indlela, gcina kunye nekhadi elinye kwaye ujonge ibhalansi yakho ukuqinisekisa ukuba uhlala kwisabelomali. Indlela elula yokwenza oku kukuseka ngokubhaliweyo okanye izilumkiso ze-imeyili xa ibhalansi yakho ifinyelela kwinqanaba elithile.
Ikhefu leKhariti yeKhokhelo Yenza: Yithengise ngokukhuselekileyo kwaye uyihlose iAkhawunti zakho
Ukukhwabanisa kwekhadi lokuthenga ngetyala kungenzeka naliphi na ixesha kodwa kunokuba luninzi ngokubanzi ngexesha leeholide, xa amaMerika esazisa i-credit and debit cards okanye athengisa i-intanethi rhoqo. Amashumi asixhenxe anesihlanu ekhulwini aseMerika athi akhathazeke ngokuchaphazeleka ngokuphulwa kwedatha okwenzeka ngeeholide.
Ukuba uceba ukusebenzisa i-credit kwi-store okanye kwi-intanethi, nantsi izinto ezimbalwa onokuzenza ukuze uhlale ukhuselekile:
- Soloko "udibanisa" i-chip ye-EMV yokuphepha yesikhadi lakho, kuba ukushushela umgca akunikezeli inqanaba elifanayo lokukhusela ukhuseleko.
- Cinga ukudibanisa amakhadi akho kwiprogram yokukhokha ekhuselekile yempahla, njenge-Apple Pay okanye i- Google Wallet .
- Xa uthengisa i-Intanethi, gcina kwiiwebhusayithi ezikhuselekileyo kwaye rhoqo uhlola isitifiketi se-SSL sephepha.
- Gwema ukusebenzisa ikhadi lakho lekredithi ukwenza ukuthengwa kwe-intanethi ngeenethiwekhi ze-WiFi zoluntu.
- Yilumke xa wenza ikhadi lokuthenga ngetyala kwikarhulumente yesithathu kwi-Amazon, eBay okanye kwiindawo ezifanayo. Qinisekisa ulwazi lomthengisi ngaphambi kokuba unikele ngeenkcukacha zekhadi lakho lesikweletu.
- Hlela izikhumbuzi zeakhawunti ukukwazisa ngokuthenga okutsha kwaye uhlole iingxelo zakho rhoqo ngezibonakaliso zobuqhetseba.
Unokufuna ukubhalisela iinkonzo zengqesho zekhredithi zamahhala ukuba unayo iakhawunti yamakhadi amaninzi. Nangona usebenzisa ikhadi elinye ukuthenga, kubalulekile ukugcina iithebhu kuzo zonke ii-akhawunti zakho ukuqinisekisa ukuba isela lesazisi alizama ukuphazamisa iholide yakho.