Amanqaku okuthenga ngetyala angakhuphuka okanye ahla phantsi kuxhomekeke kwibhalansi yakho yekhadi lesikweletu
Ibhalansi yekhadi lakho lesikweletu lingaphezu kwemali efunekayo kumniki-khadi wakho wekhadi. Izilinganisi zekhadi lakho lokuthenga ngetyala lichaphazela ngqo kumanqaku akho. Njengoko ibhalansi yekhadi lesikweletu lichazwe kwiinguqu zee-credit bureaus, umlinganiselo wakho wekhredithi unokuguquguquka, kwakhona.
Inkcazo emfutshane yeeNgxelo zemali
Ikhredithi yakho yekhredithi ifana nebakala leenombolo ezibonisa apho iimbali zakho zekhredithi zimi kwindawo ethile ngexesha.
Amanqaku ekhredithi asekelwe kwingcaciso malunga nekhadi lakho lesikweletu, umbolekiso kunye nezinye iibhanki zamatyala ezidweliswe kwingxelo yakho yekhredithi . Imicimbi efana nokulinganisela kwe-akhawunti, imbali yokuhlawula, umda weekhredithi kunye nobudala be-akhawunti zidweliswe kwingxelo yakho yekhredithi kwaye isetyenziswe ukubala amanqaku akho. Nganye inqaku linikezelwa ubunzima obuhlukeneyo ekubaleni i-credit score score:
- Imbali yokuhlawula ibalwa ngama-35% emanqaku akho
- Inqanaba lesityala libala i-30% yamanqaku akho
- Ubude bomlando weebredithi ngu-15% wamanqaku akho
- Imibuzo kunye nokuxutywa kwekhredithi yi-10% nganye
Ziziphi izixa-mali eziPhakamileyo ezibhekiselele kwi-Score yakho yeMatyala
Inqanaba lesetyala, okwesibini ibalulekileyo echaphazela amanqaku akho ekhredithi, ngamanye amaxesha abizwa ngokuba yintengo yakho yokusetyenziswa ngetyala - inani lemali yeekhredithi zekhadi lakho lokuthenga ngetyala ngokuthelekiswa nemilinganiselo yakho yemali. Ukusetyenziswa kweebhanki ezantsi kungcono kuba kubonisa ukuba ungasebenzisa ngokufanelekileyo umboleko kunye nokuba awukhenxiswanga ngokwakho ngamanani ekhredithi aphezulu.
Ngoko ke, ukulinganisela kwekhadi lesikredithi ngokuthelekiswa nemida yakho yekhadi lesikweletu kuya kukuvuza ngamanani amanqaku aphezulu. Okuchaseneyo kuyinyaniso. Izilinganiso zamakhadi eziphezulu ziza kuba neendleko zamanqaku ezikolo.
Yiyiphi i-Good Credit Card Balance?
Ibhalansi engcono kakhulu i $ 0. Ngaphandle kokuba ungalokothi usebenzise ikhadi lakho lesikweletu, akunakukwazi ukugcina ibhalansi ye-$ 0 ekhadini lakho lesikweletu ngamanye amaxesha.
Uza kufuneka uhlawule ibhalansi yekhadi lakho lekhredithi ngosuku oluye uthenge ngalo - okanye ubuncinane phambi komhla wokuvala ingxelo ye-akhawunti . Ngomhla apho abaninzi abanokukhawulwa kwamakhadi-krediti baxela iinkcukacha zekhadi lesikweletu kwii-credit bureaus.
Ukuba ufuna ukuphucula nokugcina inqaku elifanelekileyo lekhredithi, kunengqiqo ukugcina ibhalansi yakho okanye ngaphantsi kwe-30% yomlinganiselo wakho wesikweletu. Oko kuthetha ukuba ibhalansi yekhadi lakho lesikweletu kufuneka lihlale lingaphantsi kweedola ezingama-300 kwikhadi lesikweleti elinomyinge we-$ 1,000. Xa ibhalansi yakho iqala ukugqithisa umyinge we-30%, uya kuqaphela ukuba umlinganiselo wakho wekredithi uyancipha . Ukuba ujwayele ukukhupha amakhadi akhokredari, umlinganiselo wakho wekhredithi unokuhlahlela kakhulu.
Ngaba kukho ukulingana okuphezulu?
Ngaba unako ukuhlawula ngaphezulu kwe-30% yomlinganiselo wakho wekhredithi ukuba uhlawula ibhalansi xa isitatimende sakho siza? Mhlawumbi, mhlawumbi akunjalo. Ukuba ikhadi lakho lekhredithi libika i-balance phambi kokuba unelungelo lokulihlawula, yile mali ekufuneka iqwalaselwe xa umlinganiselo wakho wekhredithi ubalwa. Le mali ephezulu iya kuhlala kwi-credit report yakho kuze kube yinkampani yekhadi lekhredithi libika entsha, ibhalansi esezantsi.
Nangona kungabandakanywa kumanqaku akho ekhredithi, ingxelo yengxelo yemboleko isabhala "ibhalansi ephakamileyo" eyona ibhalansi ephezulu ekhokhiswe kwikhadi lakho.
Naliphi na umboleki okanye umboleki-mboleko ojonga ingxelo yakho yekhredithi uya kukwazi ukuba ube ne-balance balance kwikhadi lakho lesikweletu. Nangona banako ukuxelela ukuba ngaba uhlawula ibhilikhi ngexesha okanye cha, abanako ukuxelela ukuba uhlawule ngokukhawuleza kangakanani imali. Ngoko, xa kuziwa kuhlaziyiweyo lwenkcazo ye-credit report yakho, inyaniso yokuba uyihlawule ibhalansi xa i-bill bill ingenayo ingqalelo.