Iindlela ezintathu zeNew Credit Card zingalimaza amanqaku akho
Ukuvula ikhadi elitsha lekhredithi kunokunyusa umlinganiselo wakho wekhredithi ukuba le yikhadi lakho lokuqala lokuthenga ngetyala. Enyanisweni, unganakho ukufumana amanqaku okuthenga ngetyala ngamanqaku onke ukuba ngaba lakho lokuqala kwikhadi lesikweletu.
Kwezinye iimeko, ukuvula ikhadi elitsha lekhredithi kunokulimaza amanqaku akho okwekhredithi kunokuba uncede.
Ikhadi elitsha lekhredithi linciphisa ubudala bakho bemali . Ipesenti ezilishumi elinesibhozo (15%) zamanqaku akho ekhredithi zisekelwe kwixesha lakho lokuthenga ngetyala , ngokuqhelekileyo lilinganisa inani lamava osebenzisa ityala. Ngokuqhelekileyo, xa unamava amaninzi onayo kunye nekhredithi, bhetele umlinganiselo wakho wekhredithi uza kuba.
Kukho izinto ezimbini kwixesha lakho lemali. Okokuqala, kukho iminyaka ye-akhawunti yakho endala kunye nomyinge weminyaka ye-akhawunti yakho. Ukuvula ikhadi elitsha lekhredithi liya kunciphisa ubudala beminyaka yonke yeakhawunti yakho, ingakumbi ukuba sele sele ivule i-akhawunti yekhredithi.
Uphando lubekwe kwingxelo yakho yekhredithi xa uvula ikhadi elitsha lekhredithi nangona ungavunyelwanga kwaye nangona kamva ungagqiba ekubeni ungamkeli ikhadi lekhredithi. Imibuzo ibonisa ukuba ishishini likhangele ingxelo yengxelo yakho yekredithi ukuze ikuvumele isicelo sakho.
Imibuzo i-10% yemanqaku akho ekhredithi. Ngokuxhomekeke kolunye ulwazi kwi-credit report yakho, uphando olongezelelweyo lunokubhatala amanqaku amanqaku amatyala. Oku kungathi kungabonakali ngathi kuninzi kodwa kunokuthetha ukuba umehluko phakathi kwamanqaku amatyala enhle kunye nombi - izinga elibolekileyo lokubolekwa kwemali mboleko kunye nomyinge ongezantsi obolekayo.
( Indlela Ikhredithi Yakho Yemali Echaphazela Ngayo Inzala )
Ukuvula ikhadi elitsha lekhredithi lingakhulisa ukusetyenziswa kwekhredithi ukuba wenza ixabiso elikhulu kuloo mini. Ukusetyenziswa kwetyala lakho kukulingana kwemilinganiselo yekhadi lakho lekhredithi kumlinganiselo wemali. Ukuba uhlawula ibhalansi ethatha umlinganiselo wesikweletu sakho esikhulu, oko kukuthi unetyala eliphezulu, ukusebenzisa i-credit score will take hit. Kungenxa yokuba i- 30% yekredithi yakho yekhredithi ibona ukuba kusetyenziswa kangakanani i- credit yakho. Okungaphezulu komlinganiselo wakho wesikweledu owusebenzisayo, amanqaku akho okwekhredithi aza kukulimaza.
Qaphela, ngokukodwa, ukuba uvule ikhadi lekhredithi yesitolo, umzekelo, isaphulelo, kwaye ubeke ukuthenga kwakho kwi-akhawunti entsha. Ukugcina amakhadi enkredithi ayaziwa ngenxa yeemali eziphantsi kweentengo kunye nokuthengwa okukhulu kunokukhawuleza ukusebenzisa i-credit yakho ngokukhawuleza.
Ukuvula iKhadi leMali elitsha alikho konke okubi
Kwezinye iimeko, ukuvula ikhadi elitsha lekhredithi kunokuphucula umlinganiselo wakho wekhredithi. Ukuba ungenzi nantoni na ukuthenga amatsha kumakhadi wakho ekweretheni, kubandakanywa entsha, ukusetyenziswa kwakho kwetyala jikelele kuya kulahla kwaye umlinganiselo wakho wekhredithi unokunyuka.
Unokufumana amanqaku amaninzi kwiindawo "zeentlobo zematyala" kwinqanaba lakho lekhredithi, okuyi-10% yamanqaku akho kunye neenzuzo xa ubonisa ukuba unokuphatha iintlobo ezahlukeneyo zemboleko.
Ewe, oku kuxhomekeke kwiintlobo zeakhawunti osuvulekileyo kunye nohlobo lwekhadi lesikweletu ovulekileyo. Ukuvula ikhadi elitsha le-credit card akuyi kukunika inkxaso kule ndawo. Kodwa ukuvula ikhadi elitsha lebhanki linokukunceda, ingakumbi ukuba unamakhadi athile eebhanki.
Ukuvula ikhadi elitsha lekhredithi kwaye ulisebenzise ngobulumko kunokunceda ekuphuculeni amanqaku akho ekhredithi ngexesha elide, ngokukodwa xa unokonakaliswa kwekhredithi kwaye udinga imbali yokuhlawula eyiyo yokunciphisa amanxuwa angaphambili. Qinisekisa ukuba uhlawula kuphela oko unokukwazi ukuhlawula kwikharityhulam yakho entsha kwaye wenze rhoqo iintlawulo zakho zenyanga ngexesha.
Kufuneka uhlale uvula amakhadi amatyala ekwixesha elifunekayo, kunokuba uvule enye nje ukuzama ukunyusa amanqaku akho.