Ukufumana ikhadi lekhredithi akulula nje ngokugcwalisa isicelo kunye nokufumana imvume . Abaniki bamakhadi ngekhadi banemilinganiselo yokuqwalasela ngamnye umenzi wesicelo sekhadi lesikweletu. Ngaphambi kokuba ufake isicelo sekhadi lesikweletu, kunokukunceda ukwazi ukufumana ilungelo lokufumana ikhadi lekhredithi. Ngaloo ndlela, unokulinganisela amathuba akho okufumana imvume kwaye uzigcinele umbuzo wekhredithi ukuba kunokwenzeka ukuba uya kulahlwa.
01 Qinisekisa ukuba udala ngokwaneleyo kwikhadi lekhredithi.
Umthetho awucacisi ukuba kufuneka ufumane umvuzo wesikhathi esigcwele ukufumana ikhadi lekhredithi. Unokubeka imali yakho yonyaka kwimali yakho yesikhundla se-campus ngexesha lakho kwisicelo sakho sekhadi lesikweletu. Ukuba iphakamileyo ngokwaneleyo ukuhlawula ibhalansi yekhadi lesikweletu, umniki wekhadi lokuthenga ngetyala uya kukuqwalasela ngekhadi lesikweletu.
02 Yiba nenzuzo yakho.
Ukuze ufanele ukufumana ikhadi lekhredithi, kufuneka ube nenzuzo yakho. Ukuqala ngo-Oktobha 1, 2011, abakhishwe ngamakhadi-kredenti babengasavunyelwa ukuba baqwalasele ingeniso yomzi kubafake izicelo zekhadi lesikweletu. Umgaqo kamva wabuye wahlaziywa ukuvumela abafaki-21 nabangaphezulu ukuba basebenzise ingeniso yabalingani ukuba "banokufikelela ngokufanelekileyo" kuloo ntlawulo, oko kukuthi iifomethi kwiakhawunti ebelwanayo okanye ukutshintshela rhoqo kwiakhawunti yomvuzo wabafundi kwiakhawunti yomenzi wekhadi.
Isithintelo esitsha sithetha ukuba awukwazi ukufaka ingeniso yakho yomzali kwisicelo sekhadi lesikweledu ngaphandle kokuba ufake isicelo sekhadi lesikweledu elidibeneyo okanye ekunika imali okanye ukuhlawula iindleko zakho nyanga zonke.
Ukuba nomthombo onokuthenjelwa kwengeniso kukunika amandla okuhlawula ityala lokuthenga ngetyala. Akufuneki nje ukuba ufumane umthombo wakho wemali engenayo, ingeniso yakho yenyanga kufuneka iphakame ngokwaneleyo ukwenzela ukuba umda we-credit ucela.
03 Yiba nembali ethe
Imbali efanelekileyo yamatyala iya kukunceda ufumane imvume yamakhadi ekwereti. Ubungcono kumanqaku akho ekhredithi , mhlawumbi kunokwenzeka ukuba uya kuvunywa. Abanye abathumeli bamakhadi bekhredithi bavumela kuphela abafakizicelo abaneengxelo zeentengo zemboleko. Abanye baya kuvuma isicelo sakho, nje kuphela ukuba iintlawulo zakho ezikhawulezileyo azikho kwiminyaka emibili edlulileyo.
Ukuba nomlando weebhanti ezingalunganga kunye nomnikezeli othile wekhadi lokuthenga ngetyala kungakugcina ungavunyelwe ngulowo mnikeli. Ngokomzekelo, ukuba unayo inkokhelo ngekhadi lekredithi yase-American Express, awuvumelekanga ukufumana i-Akhawunti entsha yekhredithi ye-Amex.
Ungakhathazeki ukuba awunayo i- credit best - kukho amakhadi ekwereti avumela abafake izicelo ukuba unembali yengxelo yemboleko embi .
04 Musa ukufumana ityala elininzi.
Umnikezeli wekhadi lomniki-ngxowa unokuthelekisa ityala lakho kwimali engenayo ukuze anqume ukuba unako ukufumana enye ibhalansi yekhadi lesikweletu ngokusekelwe kwezinye iintlawulo zetyala. Umlinganiselo ophezulu wamatyala kuya kwinzuzo uza kubonisa ukuba awunayo imali eyaneleyo yokuhlawula enye ibhalansi yekhadi lesikweletu.
05 Fumana umthumeli-cosa.
Ukuba awukwazi ukufumana i-credit card ngokwakho - ngenxa yokuba awukho mdala ngokwaneleyo, unayo ingeniso eyaneleyo, okanye unetyala elibi - unokucela umhlobo okanye usapho ukuba asayine isicelo sakho. Umnxibelelwano-mvume kufuneka ahlangabezane neziqinisekiso zekhadi lokuthenga ngetyala.
Xa ucela umntu ukuba akuncede ufumane ikhadi lesikratshi, qaphela ukuba umntu uthatha umngcipheko ngokubhalisela. Ukuba awuyikuhlawula umvuzo emva koko, ababhalisene nabo baya kuba noxanduva lohlawulelo kwaye baya kufumana nayiphi na umonakalo wekhredithi kwiintlawulo ozilahlekileyo kwi-akhawunti.
06 Londoloza idiphozi yokhuseleko.
Abantu abanekhredithi entsha okanye i-credit card engalunganga , abangakwazi ukufumana imvume yamakhadi akhredithi rhoqo, unokufumana inhlanhla eninzi ngekhadi lekhredithi elikhuselekile . Ikhadi lekhredithi elilondoloziweyo lifuna ukuba wenze ukhuseleko kwidireji yakho yemali ngaphambi kokuba uvunyiwe. Emva kwenyanga yokuhlawulwa kwexesha elifanelekileyo , unakho ukufumana ikariti yekhredithi engakhuselekanga , ukucinga ukuba akukho nolunye ulwazi olubi longezwa kwingxelo yakho yekhredithi.
Abaninzi abanikezeli bekhadi lokuthenga ngetyala baya kwamkela i-deposit deposit njengama-$ 300. Ukuba awunayo into enjalo, qalisa ukubeka eceleni i $ 50 ukuya kwi-100 yinyanga nganye kwinyanga enye ufumane ukukhusela okukhuselekileyo.