Isixa sematyala ophetheyo asiyi- 30 ekhulwini yemali yakho yekhredithi , ngoko ibhalansi yakho yekhadi lesikweletu lichaphazela ngokucacileyo amanqaku akho. Ukuba nezikali ezinkulu kunokulimaza amanqaku akho esikwereti ngenxa yokuba iphakamisa ukusetyenziswa kwetyala lakho - umlinganiselo wekhadi lakho lesikwereti sekhredithi ukuya kumda wakho wesikweletu.
Abanye abantu, nangona kunjalo, banenkxalabo yokuba ibhalansi yenani linokulimaza izikolo zabo zemali. Akuyinyaniso - ibhalansi yenzalo ayiyi kuhlawula amanqaku ekhredithi yakho, ngaphandle kokuba kunjalo, unayo ibhalansi yenani kuba ungayisebenzisi ikhadi lakho lesikweletu.
Kwimeko apho, umniki wekhadi lokuthenga ngetyala unokuyeka ukuthumela ukuhlaziywa kweengxelo zekredithi ze-akhawunti kwaye unokude uvale ikhadi lekhredithi, ezo zombini ziyakuchukumisa amanqaku akho.
I-Zero Balance kunye ne-Credit Credit Report
Ukuba nenani lekhadi kwikhadi lakho lesikwereti, umzekelo kuba uhlawula ikhadi lakho lekredithi ngokugcwele nyanga zonke, akuthethi ukuba ibhalansi yenani liza kubonakala kwingxelo yakho yekredithi-okanye ukuba ibhalansi yenani iya kusetyenziswa ukubala i-credit yakho. Inqaku. Nasi isizathu: iinkcukacha zekhadi lakho lekhredithi zichazwe ngamaxesha athile ngenyanga leyo (ngokuqhelekileyo kumhla wokuvala umyalelo we- akhawunti ) kwaye ingaxelwa ngomhla ohlawulelwa ngawo ikhadi lakho lekhadi ayikho $ 0. Umzekelo, ukuba uthengisa i-$ 100 ngomhla we-5 wenyanga kwaye uyihlawule ngokugcwele ngomhla we-17 wenyanga leyo, kodwa ingxelo yakho yekhredithi yahlaziywa nge-12 kwinyanga leyo, ingxelo yakho yekhredithi ayiyi kubonisa i-$ 0 ibhalansi .
Ngaphandle kokuba ibhalansi yakho isoloko ikhona, ingxelo yengxelo yemboleko iyakubonisa ukuba ibhalansi iphezulu kunezinto okwangoku okwenzayo.
Ngethamsanqa, ukungabi nendawo yokulinganisela akuyi kubangalisa amanqaku akho okwekhredithi ngokude nje ukuba ibhalansi onayo ayinamandla kakhulu (ngaphezulu kwe-30 ekhulwini lomlinganiselo wesikweletu).
Ukufumana ibhalansi ofuna ukuyibika
Ukuba ufaka isicelo semali-mboleko enkulu ngokukhawuleza kwaye ufuna ukuphucula amathuba akho okuvunywa, hlawula izilinganisi zekhadi lakho lesikweletu kwaye ungenzi nto yokuthenga ezongezelelweyo kwiiveki ezimbalwa.
Ngaloo ndlela, unokuqiniseka ukuba ibhalansi ephantsi (okanye ye-zero) ibonisa ingxelo kwingxelo yakho yekredithi kwaye ibonakaliswe kumanqaku akho ekhredithi.