Ukuba nekhredithi enhle , kunye nekhredithi ephezulu, ayikho isiqinisekiso sokuthi uza kufumana i-credit card. Usenokuba sele unamava angenabuhlungu wokukhishwa kwikhadi lekrediti nangona unomvuzo ophezulu kakhulu wekhredithi. Kwaye usenokumangaliswa yisigqibo. Enye yezinto ezifanelekileyo zokufumana i-credit efanelekileyo kukuba kufuneka izicelo zakho zivunywe. Ngelishwa, izikolo zekhredithi ayilona nto kuphela ekhutshwa ngabasebenzisi bekhadi lesikredithi ukugqiba ukuba ngaba ufanelekile kwikhadi lekredithi.
Inani lezinto ezinokubangela ukuba unqatshelwe kwikhadi lesikweletu nangona unetyala elihle kakhulu.
Imali engenayo ayikho phezulu ngokwaneleyo.
Okanye, ingeniso yakho ayikho ephakamileyo ngokwaneleyo kwikhadi lesikweletu olifaka isicelo. Ukuzama ukufumana ukuba yeyiphi imakhadi yesikweletu ehambelanayo nomvuzo wakho yinto eninzi yokudlala umdlalo. Kwinqanaba elithile, kufuneka uthembele ngabaniki bekhadi lokuthenga ngekhredithi ukuze bakuvumele amakhadi ekwerethi enokufanelana nokufumana ingeniso yakho. Amakhadi ekhredithi ahloniphekileyo, abo abanomvuzo ovulekileyo kubantu abanekhredithi enkulu, ngokubanzi badinga imali engenayo.
Unamakhadi amaninzi kumatyala .
Abaniki bamakhadi ngekhadi bahlala becinga inani lamakhadi e-credit card xa unquma ukuba uyayivuma isicelo sakho sekhadi lesikweletu. Akukho nani elithile leemakhadi zekrediti ezamkelekileyo kubaxhasi bekhadi-mboleko, ubuncinane akukho nziweyo eyenziwa ngabantu. Unokwenza kakuhle ukwazi ukuphatha ikhadi lekredithi elongezelelweyo, kodwa umniki-khadi wekhadi nje akafuni ukuthatha ingozi.
Unamatyala amaninzi .
Ukuba netyala, nokuba ngaba ityala lekhadi lesikweletu okanye ityala le mboleko, lingakugcina ungavunyelwa kwikhadi lekhredithi. Oku kuya kwenzeka nangona uhlawula ityala lakho ngokufanelekileyo ukuze ufikeleleke kumanqaku ekhredithi kakhulu. Abaniki bamakhadi bamakhredithi banokucinga ukuba ityala lakho liphezulu kakhulu kwaye likhanye isicelo sakho sekhadi lesikweletu kunokuba longeze i-credit card engaphezulu.
Kwakulungile. Ukongeza ikhadi elongezelelweyo lekhredithi kumthwalo omkhulu wetyala unokutshintsha imali yakho. Ukuhlawula i-debit yakho kungakuphucula iziganeko zakho zokufumana ixesha elizayo.
Ingxelo yakho yekhredithi ayizange ihlaziywe ngolwazi olutshanje.
Usenokuba usandula ukuhlawula ibhalansi ephakamileyo okanye uvale amabini amakhadi endala, kodwa loo ngcaciso ingabonakali kwingxelo yakho yeekhredithi kwiintsuku ezimbalwa ngokuxhomekeke kwimiba engakanani umthengi wakho ebika kwii-credit bureaus. Kukho ithuba lokuba kukho ulwazi oludlulileyo olukhatywayo kwirekhodi yakho yekhredithi ngenxa yexesha elithathayo abakhishi bekhadi lokuthenga ngekhredithi ukuthumela iinkcukacha zeakhawunti yakho kwi-credit bureaus.
Ufake isicelo samakhadi amaninzi amatyala ekwenje.
Nangona iingxelo zeengxelo zemali-mboleko zingenakho impembelelo enkulu kumanqaku akho-mboleko - zi-10% kuphela zamanqaku akho - zinokuchaphazela ukuba ngaba ufumenekile. Ukuba ufaka izicelo zamakhadi ezininzi zekredithi ngexesha elifutshane, isibini sokuqala sabaniki bekhredithi banokwamkela izicelo zakho zekhadi lesikweletu. Kodwa emva kwemibandela embalwa ithintela ingxelo yakho yekhredithi, unokufumana isicelo esiphikisiwe. Izicelo ezininzi zekhadi zekhredithi ngexesha elifutshane elinokuthi libonise ukuba unenkathazo yezemali okanye uthatha inkokhelo enkulu, zombini inokubakho ingozi ngamaphupha ekhadi lokuthenga ngetyala.
Ngokukhawuleza ekubeni lakho lokugqibela kwikhadi lekhredithi livuliwe.
Abanye abathumeli bekhadi banokukhanyela isicelo sakho sekhadi lesikweletu xa uvula ikhadi elilodwa elitsha lamatyala kwiinyanga eziliqela ezidlulileyo. Oku akuthethi ukuba unamakhadi amaninzi ematyala, kodwa umnikezeli wekhadi lesikweletu angadinga ukubona imbali ephezulu kunye nekhadi lakho lekredithi ngaphambi kokugqiba ukunika i-credit engaphezulu.
Ingxelo yakho yekhredithi ikhiyiwe.
Ukuba ubeke uqaphelo lokukhwabanisa okanye ukhuseleko kwi-credit report yakho, isicelo sakho sekhadi lesikweletu sinokuthathwa ngenxa yokuba umniki wekhadi-mboleko akakwazi ukukhipha ingxelo ye-credit card. Kwimeko yokuqaphela ukukhwabanisa, umbolekisi uya kufuneka athathe amanyathelo angaphezulu ukuqinisekisa ubungqina bakho phambi kokuvuma isicelo sakho sekhadi lesikweletu. Ngoqhagamshelwano olukhuselekileyo, kuya kufuneka uvula iingxelo zakho zekredithi-ubuncinci kunye ne-bureau eneengxelo zomthengi uzama ukuhlola-ukuba isicelo sakho sekhadi lesikweletu sizaliswe.
Ulahlekile kwikhadi lekhredithi kunye naloo shishini ixesha elidlulileyo.
Abanye abashicileli bekhadi bekhredithi baya kubambelela ngokusesikweni okanye ngaphambili, nangona i-akhawunti engagqibekanga idlulisele umda wexesha lokubhengezwa ngetyala kwaye nokuba sele usuphuculise i-credit yakho. Kule meko, kunokuba luncedo ukuthetha nomntu onaloo mnikeli wekhadi lesikweletu. Ukucima ibhalansi engagqibekanga kunokukunika ithuba lokufumana i-akhawunti entsha kunye nomniki-khadi wekhredithi.
Yintoni enokuyenza Ukuba isicelo sakho seKhadi leKharityi siyanqatshwa
Uninzi lwezicelo zekhadi zesikweletu zicutshungulwa ngekhompyutheni kunye nenkqubo ekhangela imbali yakho yematyala, idibanisa nokuba ngolwazi kwisicelo sakho sekhadi lesikweletu, kwaye uyilinganisa nakwezinye izinto ezichazwe ngaphambili. Ikhompyutheni ayinakho ukujonga ulwazi lwakho ngokuzenzekelayo kwaye yenza okungafaniyo kwiinkqubo.
Ngethamsanqa, abaninzi abanikidi bekhadi banokukhangela kwakhona inombolo yefowuni ongayifumana kunye nokuthetha nomntu malunga nesicelo sakho. Unokumangalela ityala lakho, uchaze isizathu sokuba ungumviwa ofanelekileyo kwikhadi lekhredithi kwaye ukuba unenhlanhla, uya kuvunywa emva koko.
Ukuba ujikelelwe kwikhadi lesikweletu, umniki wekhadi lokuthenga ngetyala uyothumela ileta ekukuzise isizathu esithile okanye izizathu zokuthi isicelo sakho siphiwe. Uyakufumana kwakhona amanqaku okuthenga ngetyala ngaphandle kokuba umlinganiselo wakho wekhredithi usetyenziswe kwisigqibo kunye nemiyalelo yokufikelela kwingxelo yekhredithi yamahhala ukuba ingxelo yakho yekhredithi isetyenziswe kwisigqibo. Sebenzisa le ngcaciso ukuphucula iziphumo zakho zokufumana isicelo sakho sekhadi lesikweletu esilandelayo.