Iindlela ezine zokufumana iKhadi lakho lokuQala lokuTyala
Ilishumi elinesibhozo kukudala. Usemthethweni umntu omdala. Ungavota. Unokuya kwikholeji kungekudala ukuba awukho. Yaye, unokufumana ikhadi lekhredithi.
Njengoko unomdla wokufumana ikhadi lakho lokuqala lokuthenga ngetyala, ezininzi iinkampani zekhadi zekhredithi azinqweneli ukukunika enye. Kunokuba ufake izicelo ezininzi zekhadi lesikweletu ukuze ubone ukuba ngubani oza kukuvuma, jolisa nje iinkampani ezimbalwa ezaziwa ngokuba kunika amakhadi ekwereta kumaxesha okuqala.
01 Qinisekisa ukuba ulungele ikhadi lakho lokuqala lekhredithi
Ungaziphakamisi ukuba ungaphumeleli - funda konke onako malunga namakhadi wesikweletu ngaphambi kokuba ufumane. Ukuba awulungele, ungafika khona: Indlela yokulungiselela iCredit Credit
02 Ukuqonda indawo yekhadi lekhredithi kubantu abadala
Okokuqala, umthetho we-Federal ufuna ukuba abantu abaselula abangaphantsi kweminyaka engama-21 bafumane ingeniso eqinisekisiwe ngaphambi kokuba bavunyelwe kwikhadi lekhredithi ngaphandle kodidi lwe-cosigner. Ngelishwa, isibonelelo esivela kumzali wakho asibala. Ukuba awunayo ingeniso, kuya kufuneka ufumane umntu ozimisele ukuvula ikhadi lokuthenga ngetyala kunye nawe.
Into yesibili eyenza kube nzima ukufumana ikhadi lokuqala lekhredithi kukuba awunayo imbali yesikweletu . Kwaye, ngokuqinisekileyo, imbali yeebhanti yenye yezona zinto ziphambili ezikhutshwa ngabakhupha bekhadi lesikweletu xa bevuma umfaki sicelo.
03 Thola umsebenzi
04 Kukufumana kuphi ikhadi lakho lokuqala lekhredithi
- Abaniki bamakhadi abakhulu bamakhredithi
Ukuba ubhalise kwikholejini, unethuba elihle kakhulu lokufumana imvume kumfundi wekhadi lokuthenga ngetyala kwikharityhulam enkulu. Ungacingi ukuba nganye idilesi 'nomfundi' kwisihloko yinto efanelekileyo. Amanye amakhadi ekhredithi yomfundi anenani lentlawulo ephezulu kunye nemali yonyaka, bobabini benza ikhadi elingalunganga kwikharityhulam yokuqala.
- Ibhanki yakho
Ukuba unembopheleleko malunga ne-akhawunti yokutshekisha okanye yokulondoloza, zama ukufaka isicelo sakho kwikharityhulam yakho yokuqala kwibhanki yakho. Ubuhlobo bebhanki obukhoyo bunokuphucula amathuba akho ekufumaneni isicelo sekhadi lesikweletu esivunywe, ngokukodwa ukuba uphathe i-akhawunti yakho ngokufanelekileyo, umzekelo, akukho -reddrafts. Unokufaka isicelo kwi-intanethi, kodwa ukutyelela isebe lasebhanki kukubeka ubuso nobuso nommeli onokuba negunya elingaphezulu lokufumana isicelo sakho samkelwe.
- Ivenkile okanye isebe
Izitolo zokuthengisa kunye nezesebe zikwazi ukufumana imvume yamakhadi elula. Ngaphahla, banamazinga amanqanaba aphezulu awenza ukuba kubize ukuba baphathe umlinganiselo wokusukela kwenyanga ukuya kutsho. Omnye umgca wala makhadi ayikho into ephathekayo - ungayisebenzisa kuphela kuloo venkile. Ukunciphisa oko unokuthenga, kodwa kukukhuthaza ukuba uhambe ngokuchitha imali ngokunikezela izaphulelo.
Ukuba nekhadi lokuthenga i-credit card njengokuba ikhadi lakho lokuthenga ngetyala lingakunceda ukuba wakhe umlando onelungelo lokuthenga ngetyala ukuze ufake isicelo sekhadi lekhredithi enkulu kwiinyanga ezimbalwa.
- Ikhadi lekhredithi elikhuselekile
Xa yakho (ukungabikho) kwimbali yesikweletu kukugcina ungangeni kwikhadi lekhredithi eliqhelekileyo, unokufaka isicelo sekhadi lesikweletu elikhuselekile . Ngekhadi lekhredithi elikhuselekile, ubeka idiphozithi kumda we-akhawunti. Ibhanki igcina idiphozithi nje xa ungenzi iintlawulo zakho njengoko kuvunyelweneyo. Unokuba nethuba lokuguqula ikhadi lekhredithi elingakhuselekanga kamva. Ungakhathazeki ukuba ikhadi lekhredithi elikhuseleyo liya kulimaza amathuba akho ekufumaneni amanye amakhadi-ngetyala-akukho nto kwi-credit card ingxelo yakho ekuboniseni ukuba unayo ikhadi lekhredithi elikhuselekile.
05 Khangela amakhadi ajolise "okulinganayo" okanye "okulinganiselwe"
Ezinye iiwebhusayithi zekhadi zekredithi ziluhlu uluhlu lwembali yekhredithi efunekayo ukufumana imvume yamakhadi eemboleko. Ngekhadi lokuqala lokuthenga ngetyala, khangela amakhadi ekwereti avumela abafaki-sicelo ukuba babe ne-moderation okanye akukho khredithi. Ukusetyenziswa kwamakhadi okujoliswe kwimbali yakho yamatyala kuphucula amathuba akho ekuvunyelwene. Gwema izicelo zeakhadi zekredithi ezifuna i-credit "egqwesileyo" njengoko uya kukhishwa.
06 Buza umntu uncedo
Unokuba nohlobo-umzali, umzekelo-ngubani ofuna ukukunceda ukuba uthole ikhadi lakho lokuqala lokuthenga ngetyala ngokubambisana nawe. Ukubambisana kuyingozi - nayiphina impazamo oyenzayo iya kubachaphazela ngetyala le-cosigner kunye-kodwa ingaba yindlela efanelekileyo yokuxhoma i-credit yakho. Vumelana phambili ukuba uza kuba nexanduva lokwenza iintlawulo ngexesha nganye nyanga kwaye uya kuhlala kuyo yonke imigaqo yekhadi lesikweletu. Emva koko, cinga ukuvala i-akhawunti edibeneyo xa unako ukufumana ikariti yesikweletu ngokwakho.
07 Musa ukudimazeka ngenxa yokuphika
Ungamangaliswa ukuba unqatshelwe kwikharityhulam yokuqala yokuthenga ngetyala, okanye ufake amakhadi amakhredithi okuqala oyifaka isicelo. Kwaye ngamanye amaxesha abantu banamanqaku atyalalwa ngamatyala. Kungenokuba luncedo ukwazi ukuba uya kufumana ileta kwi-imeyile- isaziso esichaphazelekayo isaziso - esiquka isizathu esithile sokuba unqatshelwe. Ingcaciso kule ncwadi iya kuba luncedo ekucwangceni isinyathelo esilandelayo. Unokufuna ukufaka isicelo sohlobo oluthile lwekhadi lesikratshi okanye uqalise i-credit card yakho ngokusebenzisa ikhadi lekhredithi elikhuselekile.