Ikhadi lekhredithi liyimfuneko kwiintengiso ezininzi namhlanje. Nangona kunjalo, ukufumana ikhadi lekhredithi ngaphandle komsebenzi kuyingozi, ingakumbi ukuba unayo ingeniso. Nangona kunjalo, kukho abanye abathengi abanemali engenayo rhoqo, abangenayo imali engenayo emsebenzini.
Ukuba nomsebenzi akusiyo imfuneko yekhadi lesikweletu
Uninzi lwezicelo zekhadi lesikweletu zicela kuphela umsebenzi oqhelekileyo okanye ulwazi kunye nengeniso yengeniso. Umele ukhethe ukuba ungumfundi, urhulumente karhulumente, umenzi wendlu, osebenza ngokuzimeleyo, okanye ongasebenzi.
Ezinye izicelo zingacela igama lomqeshi wakho, kodwa zivumele ukuba ungene "Akukho" xa ungenayo umqeshi. Unokufumana ukuba ezinye izicelo aziceli ulwazi lomqeshi nonke. Ukuba ulwazi lweengqesho luceliwe kwisicelo sekhadi lesikweletu, uyafuneka ngokomthetho ukuba uphendule ngolwazi ngokunyanisekileyo.
Ingeniso ibaluleke ngakumbi
Nangona akudingeki ungene kwingcaciso yengqesho, isicelo sekhadi lesikweletu siya kufuna ukuba ubhale uluhlu lwakho lwengeniso yonyaka. Unokufaka i-alimony, ukuxhaswa kwabantwana, okanye nayiphina enye ingeniso ofuna ukuyiqwalasela ngokuhlawula ibhalansi yakho yekhadi lesikweletu. Ukubala i-income yakho yonyaka engenayo: ukwandisa ingeniso yeveki ngo-52; ukwandisa ingeniso yeenyanga ezimbini ngenyanga; ukwandisa ingeniso oyifumanayo yonke enye iveki ngo-26, kwaye uwandise ingeniso yenyanga nge-12.
Uluhlu lweNkxaso yomnye umntu
Ukuba uneminyaka engaphezu kweminyaka engama-21 ubudala, ungasebenzisa ingeniso yomnye umntu kwi-card yakho yesicelo sekhadi lesikweletu ukuba unokulindela ngokufanelekileyo ukuba unokufikelela kuloo ntlawulo ukuze uhlawule iibhokhwe zakho.
Ngokomzekelo, ukuba iqabane lakho lidlulisela imali ethile kwi-akhawunti yakho, ungasebenzisa isixa esithunyelwa njengeholo lakho. Okanye, ukuba wabelane nge-akhawunti kunye nomnye umntu kwaye unokufikelela kuzo zonke iimali, ungasebenzisa iipasipoti eziqhelekileyo njengengeniso yakho. Nangona kunjalo, ukuba iqabane lakho, umlingane okanye umzali asinakutshintshiselani imali kwaye awukwazi ukufikelela ngokubambisana kwi-akhawunti kunye nabo, awukwazi ukusebenzisa imali engenayo kwi-card yakho yesicelo.
Fumana iKhadi leMatyala Ngomnye umntu
Olunye ukhetho lokufumana ikhadi lekhredithi ngaphandle komsebenzi kukufumana ikhadi lekhredithi ngomnye umntu nokuba ngumsebenzisi ogunyazisiweyo okanye njengomnini-akhawunti odibeneyo. Njengomsebenzisi ogunyazisiweyo, unelungelo lokusebenzisa ikhadi lekhredithi, kodwa ngaphandle koxanduva lomthetho ukuhlawula. Imali yakho engenayo kunye nembali yengxelo yemboleko ayiqwalaselwa xa ungezwa njengomsebenzisi ogunyazisiweyo.
Ukuba ngumnini-akhawunti odibeneyo kukunika zombini amalungelo kunye neemfanelo zokusebenzisa ikhadi lekhredithi. Xa usebenza ngokubambisana, umvuzo wakho kunye nomlando weentengo uyaqwalaselwa kunye nomnye wesicelo. Nangona kunjalo, ukuba omnye umenzi wesicelo unemali engenayo, unokuvunyelwa kwikhadi lekhredithi nangona ungenayo umsebenzi.
Zama iKhadi leMali eliKhuselekileyo
Nangona iifowuni zekhadi lesikweletu ezilondoloziweyo ziza kubuzwa malunga nomsebenzi wakho kunye nemali engenayo, uvumelekile ukuba uvunyelwe enye yamakhadi-krediti ngenxa yokuba wenza i-deposit deposit njenge-collateral. Nge- Capital One MasterCard ekhuselekile , umzekelo, unokwenza i-deposit deposit ephantsi nje nge-$ 49 ukuze ube ngumyinge we-200 wemali-mboleko, kuxhomekeke kubukwereti bakho. Ukuphakamisa ukhuseleko lwakho, ukuphakanyiswa kwe-credit limit will be.
Ngaphambi kokuba ufake isicelo sekhadi lesikweletu ngaphandle kokuba ube nomsebenzi wokuqala, qwa lasela ukuba unakho ukubuyisela ukulinganisela kwekhadi lesikweletu.
Ukuba uvunyiwe kwikhadi lesikweletu kwaye awunayo indlela yokubuyisela iindleko zakho, ubhekane neengxaki zekhredithi: iintlawulo zenyanga, ukuhlawula imali kunye nokuqokelela kwetyala.