Ukubala ukusetyenziswa kwetyala lakho kunokukunceda ukulawula izilinganiso zekhadi lakho lesikweletu. Ukuba ukusetyenziswa kwakho kukuphakamileyo kakhulu, unokunciphisa ukusetyenziswa kwekhadi lakho lesikweletu kwaye unciphise izilinganisi zakho ukunciphisa ukusetyenziswa kwakho.
Ingaba ufuna ntoni
Ukubala ukusetyenziswa kwetyala lakho kukulula. Kuthatha nje imizuzu embalwa kunye nemibalo elula-akukho zibalo eziyinkimbinkimbi okanye izibalo ezikhohlisayo kuyimfuneko.
Uzakufuna ikopi yakho yesitatimenti sokubhatala ngekhadi lesikweletu okanye zonke izitatimenti zakho zokuthengisa xa ufuna ukubala ukusetyenziswa kwakho kwetyala. Okanye, ungangena ngemvume kwi-akhawunti yakho ye-intanethi okanye ubiza umnxeba wenkonzo yamakhasimende ekhadi lakho lekhredithi ukuze ufumane ibhalansi yakho yakutshanje kunye nolwazi lokunciphisa ulwazi. Ikopi yakutshanje yengxelo yakho yekhredithi nayo iya kuba luncedo kuba iya kubandakanya yonke imininingwane ye-akhawunti yakho kwindawo enye. Ngaphezu koko, ukusetyenziswa kwemali-mboleko echaphazelekayo kumanqaku akho ekhredithi kuya kusekelwe kwingcaciso kwingxelo yakho yekhredithi.
Amanyathelo okubala ukusetyenziswa kwetyala lakho
- Khangela ibhalansi yakho yangoku kunye nomda wokuthenga ngetyala kwi-statement yakho ye-credit card yangoku. Ukuba umda wakho wekhredithi awululwanga, ungabiza inkonzo yamakhasimende akho ekharityhulam usebenzisa inombolo ekupheleni kwekhadi lakho lesikweletu ukuze ufumane.
- Hlukanisa ibhalansi yekhadi lesikweletu ngomda we-credit. (Kwi-calculator yakho, faka ibhalansi yekhadi lesikweletu, cinezela "ukwahlula ngeqhosha", uze ufake umda wesikweletu uze ucine iqhosha "elilinganayo". ") Ungacacisi i-calculator yakho okwamanje.
- Yandisa inani eliyi-100. (Kukhompyutheni yakho cofa iqhosha elithi "phindaphinda" kwaye faka i-100. Bese ucinezela iqhosha "elinganayo".) Isiphumo kukusetyenziswa kwetyala njengepesenti.
Umzekelo wokuBaliswa kweMali
Masithi ibhalansi yekhadi lakho lesikwelethi li-$ 600 kwaye umda wakho wekhredithi ngu-$ 1,000. Uzahlula ama-600 ukuya ku-1,000 ukufumana .60. Bese ukwandisa .60 nge-100 ukufumana i-60%.
Ukuba ufuna ukubala ukusetyenziswa kwetyala lakho kwii-akhawunti zakho zonke, qala udibanise zonke izilinganiso. Bese ukongeza yonke imingcele yemboleko. Hlukanisa ibhalansi yenani elipheleleyo kumlinganiselo wesikweletu kwaye uzaphindaphinda nge-100. Isiphumo sakho sisetyenziselwa ukusetyenziswa kwekhredithi jikelele.
Masithi unaloo matranti kwikhadi lekhredithi kunye nemimiselo yemboleko:
| Ikhadi letyala | Ukulingana | Umda |
| A | $ 655 | $ 1,000 |
| B | $ 1,256 | $ 4,000 |
| C | $ 890 | $ 3,000 |
| Iyonke | $ 2,801 | $ 8,000 |
Ukubala ubungakanani bentengo yesetyenzisiweyo kwezi, uzahlula i-$ 2,801 i $ 8,000 ukuze ufumane .35 (emva kokujikeleza). Emva koko phinda nge-100 ukuze ufumane i-35%.
Ukutshintshwa kweMali Yakho Inguqu
Ukusetyenziswa kwekhredithi yakho kunokutshintsha njengoko umnikeli wakho wekhadi lesikweletu ahlaziya ibhalansi yekhadi lakho lesikredenti kunye namaziko eentengo zemboleko. Utshintsho kwimida yakho yemali, ukuhanjiswa kwemali, ukuthengwa, iintlawulo kunye nokuvula i-akhawunti entsha kuya kuchaphazela nokusetyenziswa kwetyala lakho.
Ukuqhubeka neenguqu zemihla ngemihla okanye kwintsuku zonke ekusebenziseni ngetyala kungabunzima, ingakumbi ukuba unamakhadi amaninzi ematyala. Unokukwazi ukulawula kakuhle indlela yakho yokusetyenziswa ngetyala ngokugcina izilinganisi zekhadi lakho lesikweletu phantsi kwe-30% yomda we-credit. Emva koko, yenza uhlolo lwexesha kwi-total usetyenziso lakho lekhredithi ukuqinisekisa ukuba ulawula amakhadi akho ekwerethi kakuhle .