Imikhwa emibi kulula ukuwela. Ukwahlula kwexesha elilodwa luba yingxenye yenkqubo yakho kwaye ngaphambi kokuba uyakwazi, unamathele kwimeko enzima ukuba uphume. Imikhwa emibi yesikratshi ingaphazamisa amanqaku akho kwikhredithi, kukukhokelela ekutyala, kwaye kubangele iingxaki zemali. Cinga ngemikhwa yakho yemboleko kwaye ukuba wenza naluphi na olu, lushintshe umkhwa olungcono ngokukhawuleza.
01 Ukungafundanga izitatimende zekhadi lakho lesikweletu.
Ngeentlobo ezininzi zeebhili ezayo kwi-imeyile (okanye i-imeyile) nganye inyanga, ukufunda nganye enye ingabangela ingqondo, ingabhekiseli ixesha elidlulayo. Kodwa, kukho iinzuzo ekufundeni izitatimende zekhadi lakho lesikweletu, njengokubamba iintlawulo zekhadi lesikweletu ezingagunyaziswanga okanye iimpazamo zokuhlawula . Esikhundleni sokujonga nje isitatimenti sekhadi lakho lesikweletu malunga nolwazi lwakho lokulinganisela kunye nolwazi lokuhlawula, hlaziya yonke ingxelo ukuze uqinisekise umsebenzi wakho weakhawunti.
02 Ukuthenga ngaphandle kokukhangela umda wakho wekhredithi okanye ityala elikhoyo.
Ungathathi ngokukhawuleza ukuba i-ngetyala yakho ekhoyo iyafana neyokugqibela uhlolisise i-credit yakho, ingakumbi ukuba ugcine uhlolisise iintsuku eziliqela okanye iiveki ezidlulileyo. Kukho ithuba olilibale malunga nokuthenga okunye, intlawulo ayizange isetyenziswe ngokuchanekileyo, okanye ukuba umlinganiselo wakho wekhredithi uncitshisiwe ukususela ekugqibeleni uhlolisise. Ukufowunelwa kwefowuni ngokukhawuleza okanye ukuthepha kwi- app yakho ye- smartphone kuya kuqinisekisa ngokukhawuleza ukuba unayo isikweletu esaneleyo sokuthenga kwakho.
03 Ukukhupha ikhadi lakho lesikweletu endaweni yekhadi lakho lokubambisa.
Ngaphandle kokuba usebenzisa ikhadi lakho lekredithi ukuze uhlawule umvuzo kwaye uhlawule ibhalansi yakho yekhadi lesikweletu rhoqo ngenyanga, akufanele ukhethe ukusebenzisa ikhadi lakho lesikweletu ngaphezu kwekhadi lakho lokubambisa. Ikhadi lakho lokubambisa kukufikelela kwakho ngokuthe ngqo kwiimali omele uzisebenzise ekuthengeni kwansuku zonke, njengokutya, igesi, iimpahla kunye nezinye iindleko. Ukuba usebenzisa ikhadi lakho lekhredithi, kufuneka kube sisigqibo esicacileyo ngesicwangciso sekhonkrithi sokuhlawula oko uhlawulayo.
04 Ukuhlawula ubuncinci kuphela.
Kulula kakhulu ukwenza inkokhelo encinci kunokuba ubone ukuba kwaye ungakanani na owongezelelweyo onokukwazi ukubeka kwisikweletu sakho sekhadi lesikweletu. Kodwa, xa wenza inkokhelo encinci kuphela, awukho inkqubela phambili ekuhlawuleleni i-bill card yakho. Kwaye ngaphandle kokuba ube ne-balance balance okanye u-0% wokunyusa inzala, mhlawumbi ukhokhela ngaphezulu kwiintlawulo zezezimali kunokuba kufuneka. Thumela ngaphezu kokuncinci ukuba unako okanye ncinane, hlawula imali efunekayo ukuhlawula ibhalansi yakho kwiinyanga ezingama-36, iphinde iphrintiwe kwisitatimenti sakho sokuhlawula.
05 Ngokuqhelekileyo ukuhlawula ikhadi lakho lekredithi ngokukhawuleza.
Kwiminyaka apho unokuyilungiselela iintsuku zakho zeentlawulo zekhadi lesikweletu kwangaphambili, akukho isizathu sokuba uhlawule ngokukhawuleza. Ukuba uhlala ulibale ukuthumela iintlawulo zekhadi lakho lekredithi, ngoko kufuneka usebenzise inkqubo yokukhupha le mkhuba embi kwaye uqale ukuhlawula ikhadi lakho lekredithi ngexesha .
06 Ukutshintshela amabhalansi ukuphepha iintlawulo.
Ukutshintshiselwa kweemali ukukhushulwa kuyisicwangciso esihle kakhulu sokuhlawula umrhumo ophezulu wenzala. Ukuba uhlala ulandelelisela ukuhanjiswa kwebhanki njengendlela yokuphepha ukuhlawula iintlawulo kwikhadi lakho lekhredithi, ubandakanyeka kumkhwa omubi onokukulimaza ekugqibeleni.
Ukudluliselwa kwemali ngokuqhelekileyo kunemirhumo eya kukwandisa ibhalansi yakho yonke xa ungalokothi uhlawule malunga nokudluliselwa. Yaye ukuba uthetha ukuthenga kwikhasi kunye nokukhuthazwa kokutshintsheliswa kwemali, unyanzelisa ingxaki.
Abaniki bamakhadi bamakhadi benza imithetho kulo mdlalo kwaye ekugqibeleni, baya kwenza ukuhamba okuya kubulala isicwangciso sakho-i-credit yakho ekhoyo ayiyi kuphakama ngokwaneleyo ukutshintsheliswa kwemali, awuyi kufaneleka kwizinga lokunyusa, okanye , isicelo sakho siya kukhishwa ngokupheleleyo.
07 Ukuthabatha imali.
Inkqubela phambili yemali yinye yeendleko ezininzi kakhulu zokuthengiswa kwekhadi lesikweletu. Ngokuqhelekileyo banomyinge onomdla kwaye abanalo ixesha lobabalo , ngoko ke uqala ukuhlawulwa inzala ngokukhawuleza.
Iikhadi lakho lekredithi akufanele libe ngumthombo wemali, ngoko ke ukuba uthe wawela kule mkhuba, kha wuleza. Bonisa indlela yokunciphisa imali yakho ukuze ube nemali eninzi kumvuzo wakho okanye umvuzo kwaye awuyi kudingeka ukuba uthembele kumakhadi akho ekhredithi ngemali.
08 Ukusebenzisa amatyala amakhadi amatsha awunayo.
Ukunyuswa kwezinga lentengo ephantsi kunye nokubhalisa iibhonasi ziyamema. Ungayibhalisela yonke inyuselo entsha, enoba unayo kakade amakhadi enkokhelo. Ingumthambeko otyumkileyo. Izicelo zamakhadi ezitsha zamatyala azinakwenzakala kuphela ukuba ziphumele umvuzo wakho kumatyala, ziyakwazi ukudala ithuba lokufumana ityala. Enye inyanga ubamba amakhadi akho ekhredithi kakuhle kwaye emva koko emva kwamakhredithi ambalwa emva kweentengo zekhredithi , uphezu kwentloko yakho.
09 Ukuthenga izinto ongenakukwazi ukuzenza.
Emva kokuqhelekileyo ukwenza iintlawulo ezikhawulezileyo, ngokuqinisekileyo oku kukhwabanisa kwikhadi lokuthenga ngetyala. Yiloo ndlela ufumana ngayo ityala. Ukuba kukho izinto ozifunayo, kodwa akakwazi ukuzihlawulela, kufuneka ulinde ukuzithenga uze ukwazi ukuzifumana. Ukwaneliseka okuvela ekubeni nezinto ngoku akunakukuthuthuzela xa ufanele ujongane netyala odale lona ukuze ufumane ezo zinto.
Ngaphambi kokuba uswayine ukuthenga, qwa lasela ukuba unokuyithengisa ngokwenene. Ukuba awukwazi, yiba nesibindi sokuzikhanyela ukuxhaswa ngokukhawuleza uxolo lweengqondo emva kwexesha.
Ukuvumela amakhadi ekhredithi angasetyenziswa.
Ngendlela, ukusebenzisa iikhadi lakho lekredithi kungabonakali nje ngokubasebenzisa kakhulu. Ukuba amakhadi akho ekhredithi aya kulala ixesha elide kakhulu, amaninzi amanqaku e-credit score arbographics are disregard in your score. Ngaphezulu kwelo, umnikezeli wakho wekhadi lesikweletu angakhansela ikhadi lakho lesikweletu emva kokuba ungayisebenzisi iinyanga eziliqela. Sebenzisa iakhadidi zekredithi ubuncinane kanye emva kweenyanga ezintathu ukuya ezintandathu ukuzenza zisebenze.