Umda wekhredithi kwikhadi lakho lesikweletu ngumlinganiselo ophezulu ovunyelwe ukuba nawo kwikhadi lakho ngexesha elithile. Ubungakanani bomda wakho wesikweletu buchaphazela amandla akho okuthenga kunye nekhadi lakho lesikweletu, oko kukuthi umkhulu wakho umda wemali-mboleko, xa unako ukuthenga. Xa usufikelele kumda wakho wesikweletu, umboleki wakho akayi kukuvumela ukuba wenze nayinye into yokuthenga uze uhlawule enye ibhalansi yakho ephumayo.
Kukho esinye isizathu sokuba umlinganiselo wakho wekhredithi ubaluleke kakhulu: umlinganiselo wakho wekhredithi. Inani lemali-mboleko oyisebenzisayo impembelelo yamanqaku akho. Ipesenti ezingamashumi amathathu zekredithi yakho yekhredithi ibona into ebizwa ngokuba yi- credit . Lo ngumlinganiselo wenani lekhadi lakho lesikwerethi kumda wakho wekhredithi. Eyona mkhulu ububanzi - oko kuthetha ukuba usebenzisa umlinganiselo wesikweletu sakho - okubi nakwimilinganiselo yakho yekhredithi. Umda ophantsi weerhafu uthetha ukuba awuyi kuba neendawo ezininzi zokuthenga ngaphandle kokuchaphazela kakubi umda wakho wemali.
Ukubekwa kweTyala lokuLawulwa kweMali njani
Ukuba uceba ukuthenga okukhulu okanye ucinga ukutshintshwa kwemali, ukwazi ukuba umda wakho wesikweledu kwangaphambili kunokukunceda ukuba unqume ukuba ngaba ikhadi lekhredithi liya kuba luncedo. Unokweqa phezu kwamakhadi-mboleko kunye nemingcele engagqibelelanga iimfuno zakho, njengekhadi lekharityhulam elingaphantsi elingayi kukuvumela ukuba udlulisele umlinganiselo okanye ikhadi eliphakamileyo lomvuzo ongenakukwazi ukufumana.
Ngelishwa, akunakwenzeka ukuqikelela ukuba yintoni umda wakho weemali uza kuba emva kokuba uvunyiwe. Abaniki bamakhadi ngekhadi basebenzisa iindlela ezahlukeneyo zokumisela umda wemali-mboleko kumakhadi-mboleko kwaye bade baqwalasele le miba, abanakukunika umlinganiselo wesikweledu oqinile.
Izinto ezithintela umlinganiselo wakho weMboleko
Uhlobo lwekhadi lesikweletu. Cinga ngamakhadi ekhredithi njengemveliso enezinto ezichazwe ngaphambili.
Njengomyinge wenzala kunye nemirhumo, imida yokuthenga ngetyala iyinye into echazwe ngaphambili. Indlela umlinganiselo wekhredithi ebekwe ngayo incike kwikhadi lesikweletu.
Amanye amakhadi ekhredithi anomlinganiselo othile wokuthenga ngetyala, i-$ 1,000 ngomzekelo, ukuba wonke umnikazi wekhadi ovunyiweyo uyamkela, kungakhathaliseki naziphi na izinto. Ezinye iikhadi zamatyala zinomlinganiselo wokunciphisa umboleko kunye nabanini bamakhadi abavunyiweyo banikwe umda wekhredithi ngaphakathi kwoluhlu. Ngokomzekelo, umda wekhredithi wekhadi elithile lingawela phakathi kwe-$ 5,000 kunye ne-$ 10,000. Izicelo ezifanelekileyo kakhulu ziya kuvunyelwa ukuba kube ngumda wekhredithi ekupheleni kwebala.
Kuya kuba mnandi ukuba ngaba, kodwa abakhishi bekhadi lesikweletu abashicileli umda weetyala kumakhadi-mboleko. Ukuba uphaphaza kwiindawo ezinokubukwa kwekhadi lokuthenga ngetyala, ungayifumana ingcaciso engeniswe ngumsebenzisi malunga nemida yemali yeekredithi.
Ingeniso yakho . Isixa semali oyenzayo ngokubanzi sichaphazela isixa onokukuhlawula. Nangona unethuba elingcono lokufumana imvume yokufumana umlinganiselo wesikweletu esiphezulu xa unemivuzo ephezulu, akukho siqinisekiso sokuba imali yakho engenayo izakufumana umda wesikweletu esiphezulu. Ezinye izinto, njengoluhlobo lwekhadi lesikweletu, ziyaqhubeka zidlala.
Umlinganiselo wakho wetyala-ngeniso . Ukusebenzisa ulwazi oluvela kwingxelo yakho yekhredithi kunye nesicelo sekhadi lesikweletu, umniki wekhadi lokuthenga ngetyala uya kukwazi ukuqikelela umlinganiselo wakho weetyala .
Lo mlinganiselo ungathintela umda wesikweletu owufumana kwikhadi lakho lekhredithi. Oku kuthetha ukuba inkokhelo ephakamileyo ehlawulwa ngamatyala aphezulu angabangela umlinganiselo wesikweledu ongaphantsi kunokuba uchitha imali encinci kwiintlawulo zenyanga zemali.
Imbali yakho yekhredithi . Indlela oye wanyusa ngayo umlinganiselo wesikweletu kwenye iikhadi lakho zekredithi aziyi kuthintela kuphela ukuba ufumana imvume yamakhadi amatyala amatyala, kodwa kunye nomda wokuthenga ngetyala uya kuvunywa. Ukuhlawulwa kwexesha elide, izilinganiso eziphezulu kunye nolunye ulwazi olungalunganga lwenza kube lula ukuba uya kuvunywa ukuba ube ngumda wesikweletu esiphezulu.
Imida kwezinye iikhadi zamatyala . Abaniki bamakhadi bamatyala bangathabatha iingcamango zabo kwezinye iikhadi zamatyala. Ukuba ingxelo yakho yekhredithi ibonisa ukuba unemida ephakamileyo yamatyala kwezinye iikhadi lamatyala, unethuba elingcono lokuvunyelwa umda wesikweletu esiphezulu kwikharityhulam entsha.
Ngakolunye uhlangothi, ukuba unesiphelo semali engama-$ 500 kunye ne-$ 1,000, akunakwenzeka ukuba uya kuvunyelwa ukuba ube ngumda we-$ 10,000 wesikweletu ngokukhawuleza.
Ingeniso yomfaki-sicelo kunye nolwazi lwekhredithi . Ukuba usebenza ngokubambisana nomnye umntu, umniki wekhadi lokuthenga ngetyala uya kuqwalasela kokubili imali engenayo kunye neziqinisekiso zemali-mboleko ukubeka umda wakho wemali.
Ukulinganisela kweBhanki kunye nezinye iimpahla ngokubanzi azichaphazeli umda wakho wekhredithi, ngaphandle kokuba unika imali njengento yokubambisa ukukhusela umgca wesikweletu njengekhadi lekhredithi elikhuselekile.
Ukwazi izinto ezikhutshwe ngabakhweli bekhadi-mboleko ukubeka imilinganiselo yekhredithi, unokufumana umlinganiselo omncinci wemali-mboleko ukuba ingeniso yakho ephantsi, unomlinganiselo ophezulu wokukwereta amatyala, uqala nje ngekhredithi okanye yakha kwakhona imbali yakho yematyala, okanye imida yakho kwezinye iikhadi zamatyala aphantsi.
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Amakhadi aKhuseleko
Nangona amaninzi amakhredithi emveli adinga umda wakho wemali, ulawula umda wakho wekhredithi kwikhadi lekhredithi elikhuselekile . Kungenxa yokuba umda wekhredithi kwikhadi lekhredithi elikhuselekile ngokulinganayo lilingana nomlinganiselo wezokhuseleko ozenzayo.
Ngokuxhomekeke kwikhadi lekhredithi elikhuselekile, unokukwazi ukufaka i-$ 10,000 ngomda wekhredithi. Ingcipheko kukuba imali oyisebenzisileyo idiphozi yokhuseleko ayitholakali ukuchitha kude uvale i-akhawunti okanye umniki-khadi wakho umniki-mvume uguqula ikhadi lakho kwikhadi lekhredithi elingakhuselekanga.
Iikhodi zokuhlawula kunye neekhodi zeeNdawo zokuTyala
Kukho iintlobo ezimbini zamakhadi-mboleko ezingenalo umda wesikweletu esinzima.
Kuzo zombini iimeko, awunayo umda wesikweletu oqinileyo onokuwuchitha. Endaweni yoko, umnikeli wekhadi lokuthenga ngetyala unika umda othobayo ongatshintsha ngokuxhomekeke kwingeniso yakho, umlando wesikweletu kunye nemikhwa yokuthenga. Uluhlu oluphakathi kwezi zimbini zeemakhadi kukuba ulindeleke ukuba uhlawule ibhalansi epheleleyo kwikhadi lokuthenga nganye ngenyanga ngelixa uvumelekile ukuba uhlawule ibhalansi yakho ngaphandle kwekhadi lokuchithwa kwemali yekredithi.
Ufumana nini i-Credit Your Limit
Nokuba ixesha lokufumana umda wakho wekhredithi lixhomeke ngokupheleleyo kwi-card issuer. Unokufumana umda wakho wesikweletu ngexesha elifanayo uvunyiwe, okanye awukwazi ukufunda uze ufumane ikhadi lakho elitsha ngeposi.
Oku kuthetha ukuba awukwazi ukwenza naziphi na izicwangciso zekhonkrithi zokusebenzisa ikhadi lakho lekredithi de uze wazi ngokuqinisekileyo ukuba umlinganiselo wakho wesikweletu uza kuba.
Ukufumana i-Higher Credit Limit
Awunyanzelwanga ukuba unamathele kumlinganiselo wokuthenga ngetyala uqale ngawo. Emva kweenyanga eziliqela usebenzisa ikhadi lakho lekhredithi ngokufanelekileyo, umniki-khadi wakho wekhredithi unokuphakamisa ngokukhawuleza umda wakho wemali. Ngethuba elihle lokufumana ukunyuka komlinganiselo wesikweletu ngokuzenzekelayo, sebenzisa ikhadi lakho lekhredithi, ungaligxina, kwaye uhlawule yonke okanye ubuncinci bebhilidi yakho nyanga nganye.
Akunabo bonke abathengi bamakhadi ngeekrediti banokunyusa ngokukhawuleza umda wemali. Unokufuneka ucele ukongezwa kwemida yemali ye-credit limit. Kuhle kakhulu kwaye ukhawuleza ukucela ukunyuka kwemida ye-credit - ungene ngemvume kwi-akhawunti yakho ye-intanethi okanye ufonele inombolo yenkonzo yamakhasimende ekhadi lakho lesikweletu. Unokwenza uhlaziye umvuzo wakho okanye unikezele ngemali ethile yemingeni ongayifumana ukuyifumana. Umnikezeli wekhadi lokuthenga ikhredithi uza kuqhuba isicelo sakho kwaye akuxelele ukuba isicelo sakho sokwandiswa kwemali-mboleko senziwe sivunyiwe.
Ukuba ukongezwa kwamanqaku akho okwekhredithi akuvunyelwanga, umniki wekhadi lakho lekhredithi uza kuthumela i-imeyile okanye ileta ekukwazisa izizathu ongazivunywanga ngazo. Ukuba ngaba amanqaku akho ekhredithi adlala into ebalulekileyo kwisigqibo, uya kufumana ikhophi yamahhala yamanqaku asetyenziswayo kwaye ezimbini izinto ezichaphazela amanqaku akho. Ukuba ingxelo yakho yekhredithi isetyenzisiwe, uya kufumana ulwazi malunga nokuyalela ikopi yamahhala yombiko wesikweletu esasetyenziswa kwisigqibo.