Indlela iKhadi leMatyala eliKhuselekileyo lingakunceda ngayo ukwakha iNgxowa embi

Qala ngeKhadi leKharityi eliKhuselekileyo

Kulula kakhulu ukufumana ityala elibi kunokuba ulilungise, kodwa mhlawumbi sele usuqikelele oko. Ukufumana i-credit entsha kuyisisiseko sokuvuselela amanqaku amatyala angalunganga . Nangona kunjalo, iimpazamo zemali ezidlulileyo zingaphaya ukuba akunakunzima ukunqoba, ngakumbi xa abatyala abatsha nababoleki bengenakuzimisele ukunika ithuba lesibini. Yintoni oyenzayo xa ufuna ukuyibuyisela kwakhona i-credit yakho, kodwa ayikwazi ukufumana ikhadi lekhredithi? Unokufumana ikhadi lekhredithi elikhuselekile.

Iyiphi iKhadi leMali eliKhuselekileyo?

Ikhadi lekhredithi elilondoloziweyo lisebenza nje ngekhadi lekhredithi rhoqo. Utshintshela ikhadi lakho ukuze wenze ukuthengwa okukhangela kumda wakho wemali. Uya kubuyisela imali kunye neentlawulo zenyanga okanye zonke kanye. Umehluko omkhulu kunye nekhadi lekhredithi elikhuselekile kukuba ufunwa ukuba wenze idiphozithi malunga nomda we- credit kwi-akhawunti. Inkokhelo yezokhuseleko ibanjwe ngetyala xa ungekho phantsi kweentlawulo zekhadi lesikweletu.

Umda wekhadi lokuthenga ngetyala le-credit card u-50% ukuya kwi-100% yokhuseleko. Ngokomzekelo, ukuba wenze idiphozithi ye-$ 500 kwikhadi elikhuselekile, umda wakho wesikweletu uza kuba phakathi kwe-$ 250 kunye ne-$ 500.

Yibulumko xa ukhetha ikhadi eliqinisekileyo . Amakhadi ekhredithi akhuselekileyo ahlala eneemirhumo ukuba amakhadi athengiweyo ngamakhadi aqhelekanga. Oku kufaka iifom zicelo, iifizi zokusebenza, kunye nemali yonyaka. Qaphela amakhadi aneemali eziphezulu kuba zinokunciphisa kakhulu idiphozithi yakho kwaye ekugqibeleni, umda wakho wesikweletu.

Amakhadi ekhredithi asemgangathweni aphezulu anemali ephantsi kunye nemilinganiselo enomdla.

Sebenzisa iMatyala Ekhuselekile Ukutshintsha Imbali Yakho Yemali

Inkokhelo embi kakhulu izayo ngenxa yesiganeko semali ehlawulelwayo . Unokubonisa imikhwa engcono yokuhlawula, nangona ungeke ukwazi ukufumana iitaliti indlela yendabuko, ngokufumana i-credit eqinisekisiwe. Awukwazi ukubonisa ubungqina obuvuselelwe ukuhlawula ngexesha elide uze ube nekhadi elitsha lekhredithi.

Ngaphambi kokuba ufake isicelo sekhadi lesikweletu elikhuselekile , qiniseka ukuba umbiko-mboleko unika ubuncinane enye yezona zikhulu zentengo zemali-mboleko . Ukuba akunjalo, ikhadi aliyi kukunceda ngokumisela kwakhona i-credit yakho kuba ababolekisi bexesha elizayo abayi kubona imbali yakho yokuhlawula. Ukuba umnikeli wekhadi engabhengezi iintlawulo zakho kwii-ofisi ezinkulu zemali-mboleko, ayiyi kufakwa kwingxelo yakho yekhredithi okanye ibonakaliswe kumanqaku akho ekhredithi.

Emva kokuba uvunyiwe, khumbula ukuba injongo yakho yekhadi lekhredithi elitsha elikhuselweyo kukukwakha umlando weebhanki. Oku kuthethi, ungayisebenzisi ikhadi ukudala ityala. Endaweni yoko, sebenzisa ikhadi lakho lokuthenga ngetyala ukuze wenze ukuthenga okuncinci onokuyihlawula ngokupheleleyo ngenyanga. Ukuba awukwazi ukuhlawula ukuthenga, musa ukuyihlawulisa.

Ukutshintshela kwiNgxowa engaphephile

Amakhadi amaninzi ekhadi lamakhredithi aguqula ikhadi lakho lekhredithi elikhuselekile kwikhadi elingakhuselekanga emva kweminyaka enye okanye emibini yeentlawulo ezifike ngexesha. Nangona ungeke ukwazi ukuguqula ikhadi lakho lekhredithi elikhuselekile, unokufumana imvume yamakhadi-khredithi angakhuselekanga kunye nomnye umbolekisi emva kweenyanga ezili-12 zeentlawulo zexesha.

Ukuba ufaka isicelo sekhadi lesikweledu kwaye unqatshelwe, thintela ukufaka izicelo ezininzi. Oku kukubangela ukuba unqwenele ukuthenga ngetyala. Endaweni yoko, qhubeka uhlawula ngexesha elifanelekileyo kwikhadi lakho elikhuselekile kwaye usebenzise kwakhona emva kweenyanga ezintandathu.

Uza kufumana ileta evela kumthengisi wekhadi lokuthenga ngekhredithi uchaza isizathu sokuba unqatshelwe kwaye ungayisebenzisa le ngcaciso ukugqiba oko kufuneka ukwenze ngokulandelayo.