Amanyathelo okufumana nokufaka isicelo seKhadi leMali eliKhuselekileyo
Ngaba unenkathazo yokufumana imvume yekhadi lesikweletu rhoqo? Mhlawumbi ufanele ufumane ikhadi lokuthenga ngetyala . Ikhadi lekhredithi elilondoloziweyo luhlobo lwekhadi lesikratshi elikuvumela ukuba ubeke idiphozithi yokukhusela njengento yokubambisa umda wesikweletu. Ngenxa yokuba uncedisa umda wakho wesikweletu ngemali yokubambisa imali, abakhupheli bekhadi lesikweletu abanamalungelo abakhethileyo malunga nembali yakho yekhredithi kwaye banakho amathuba okuvumela wena nangona kukho imbali engenanto okanye engalunganga.
Thatha la ma nyathelo ukuze uthole ikhadi lekhredithi elikhuselekile.
Yenza amanani amakhadi asematyala aqinisekileyo oyithandayo.
Kukho ezininzi zamakhadi ezithengiweyo ezikwimarike, ezinye zilungelelaniso kunye nezinye zizaliswe ngokupheleleyo, ngoko kufuneka ukhethe ngokucophelela. Phantse iikharityhulam ezinkulu zekhredithi zinekhadi lesikweletu elikhuselekile, ngoko azinzima ukuba zifumane.
Amakhadi aphephile kakhulu anenani lentlawulo ephantsi, ixabiso eliphantsi okanye ayikho yonyaka, kwaye ingxelo kwiiholo ezinkulu zemali nganye ngenyanga. Enye into ebalulekileyo, kodwa kungekhona imfuneko yokuba, kufuneka ukwazi ukuguqula umntu ongakhuselekanga emva kweenyanga ezili-ntlawulo zexesha. Funda ukuhlolwa kwekhadi lokuthenga ngetyala lokunceda ukunciphisa ukhetho.
Linganisa ukhuseleko olufunekayo ukwenza.
Ubuncinane bezokhuseleko zivela kwi-$ 200 ukuya kwii-500 zama-500 kunye nenketho yokuhlawula ngaphezu komncinci kumlinganiselo omkhulu weentengo zemboleko. I- Capital One i-MasterCard ekhuselekile ngokuqinisekileyo yenye yeyona makhadi athengwa kakhulu.
Ukuba ufanelekile, unokuhlawula idiphozithi yezokukhusela njengento ephantsi njenge-$ 49 yomlinganiselo we-credit 200 $.
Ukuba awunayo i-deposit deposit ebhanki, gcina into oyifunayo ngokubeka eceleni inani elithile lemali ngenyanga. Emva kokuba uvunyiwe, umnikezeli wakho wamakhadi omtsha unokukuvumela ukuba wenze idiphozithi yakho kwiintlawulo, kodwa khangela ukuba ubone ixesha elingakanani lokwenza idiphozithi epheleleyo ngaphambi kokuba isicelo sakho siphele.
Gcwalisa isicelo kwi-intanethi, ngomntu, okanye ngeposi.
Ukuba usebenzisa i-intanethi kwaye unikezelwa imvume yangoko, umnikeli uya kukunika imiyalelo yokwenza ukhuseleko lwakho lubekwe. Ungenza idiphozithi yakho kwi-intanethi, ngefowuni okanye ngeposi. Ifowuni okanye idiphozithi ye-intanethi iya kuqhuba ngokukhawuleza ukuvumela ukuba ufumane ikhadi lakho ngokukhawuleza kunokuba kufuneka uthumele ithenki okanye umyalelo wemali. Emva kokuba umniki wamkela kwaye enze iinkqubo zakho zokukhusela, uzakufumana ikhadi lakho elitsha ngekratshi.
Nangona kulula ukufumana imvume yamakhadi okuthenga ngetyala, ngaphandle kwekhredithi engcono kakhulu, unako ukukhishwa ngamakhadi athile aqinisekisiwe xa ungekho phantsi kwe-bankruptcy ngaphantsi konyaka, unama-delinquencies kwamanye ama-akhawunti, okanye unembali engendawo kunye nebhanki kwenye i-akhawunti. Ukuba unqatshelwe, umniki wekhadi kufuneka athumele ileta echaza isizathu . Ileta iya kukwazisa nendlela ongayifumana ngayo ikopi yamahhala yombiko wesikweletu osetyenziswa kwisigqibo.
Uninzi lwamakhadi ekhredithi luya kutshintsha ngokuzenzekelayo kwikhadi elingakhuselekanga emva kweenyanga ezili-12 ukuya kwezi-18 zokulawula ikhadi lakho kakuhle . Oko kuthetha ukuzenza zonke iintlawulo zakho ngexesha kunye nokugcina ibhalansi yakho ngaphantsi komda wesikweletu. Ukuba ikhadi lakho aliguquki ngokuzenzekelayo, ungazama ukusebenzisa isicelo sekhadi lesikweletu rhoqo emva konyaka.
Kukho ithuba elihle uza kuvunyelwa ukuba uphathe ngendlela efanelekileyo ngokukhawuleza ikhadi lakho lekhredithi.