Izinketho zokufumana iKhadi leMboleko nangona i-Bad Credit History
Ziyingozi Kangakanani Imali Yakho Yesikweletu?
Mhlawumbi uyazi ukuba unetyala elibi ngenxa yokuba sele usebenzise isicelo sekhadi lesikweletu, umbolekiso, okanye enye inkonzo enikezelwe ngetyala kwaye iye yalelwa.
Ukuba awukho, qwasela umlinganiselo wakho wekhredithi ukuze ubone apho umi khona.
Unokufumana umyinge wekredithi ngokuzenzekelayo ngeposi emva kokuba unqatshelwe inkokhelo ukuba umlinganiselo wakho wekhredithi ube isizathu sokuba unqatshelwe. Ngaphandle koko, ungathenga umlinganiselo wakho wekredithi ngokuthe ngqo kwiFICO nge-myFICO.com okanye nakweyiphi na i-credit bureaus. Abanye abakhupha amakhadi ekhredithi, Ukufumanisa kunye neNkunzi eyodwa, yenza amanqaku ekhredithi atholakale kubanini bamakhadi abo. Ngaphandle koko, unokufumana iinguqulelo zamahhala zemali yakho yekredithi kwi-CreditKarma.com, kwi-CreditSesame.com, okanye kwi-Quizzle.
Qaphela iiwebhsayithi zifuna ukubonelela ngezikolo zemali-mboleko zamahhala njenge-gimmick ukuba zibhalisele kwi-subscription credit monitoring service. Ukuba kufuneka ufake inombolo yakho yekhadi lesikweletu ukuze ufumane umlinganiselo wekhredithi "wamahhala", uphawu oluqinisekileyo lokuba ubhalisa kwi-trial subscription kwaye uya kuhlawuliswa ukuba awuyikukhansela.
Amakhadi Eenkokhelo kubantu Abanobubi Besikweletu
Kukho ambalwa kakhulu amakhadi eentengo zemboleko ezijoliswe ngokukodwa kubantu abanekhredithi embi.
I- Capital One Classic Platinum ivumela abafakizicelo ngamanani eemali eziphantsi kwe-577 ngokwe-CreditKarma.com. Ikhadi ine-22.9% rhoqo ye-APR kunye ne-39 yemali yonyaka. Uyakwazi ukufumana imali ehlawulwa yonyaka xa ucela.
Amakhadi ekhredithi yaseBhanki ye-Orchard ayesakuba yinto enhle kubantu abanokwenziwa ngetyala elibi.
Nangona kunjalo, inkampani eyakhupha amakhadi ase-Orchard Bank (i-HSBC) yafunyanwa yi-Capital One ngo-2012 kwaye amakhadi e-Orchard Bank anqanyulwa.
Izitolo zokuthengisa ziyaziwa ngokuvumela abafakizicelo abanesityala esibi. Unethuba elingcono lokufumana imvume yokukhawulwa kwekhadi lesikweletu elingasetyenziselwa kuphela kuloo venkile kunokuba ikhadi lekhredithi lixhaswe yiVisa okanye MasterCard. Qaphela ukuba amakhadi eentengiso zematrole evenkile aneemilinganiselo eziphantsi zetyala kunye neerhafu eziphezulu . Indlela efanelekileyo yokulawula ikhadi elifana nalokhu kuhlawulisa imali encinci kwaye uhlawule ibhalansi yakho ngokugcwele inyanga nganye.
Yiba nokuzimisela ukuhlawula iDistim
Abaninzi ababolekayo banqabileyo amakhadi ekhredithi aqinisekileyo ngenxa yokuba amakhadi adinga ukuba idiphozithi yokhuseleko iyenziwe ngokumalunga nomda wesikweletu. Ikhadi lekhredithi elilondoloziweyo elinika ingxelo kwii- bureaus ezilungileyo kuncono kunokuba kungabikho ikhadi lekhredithi. Uninzi lwamakhadi akhredithi anokuguqulwa aguqulwe kumakhadi ekhredithi angakhuselekanga emva kwenyanga yokuhlawulwa kwexesha.
Ukuba kukho ukugcinwa kwekhuseleko okukugcina ekufumaneni ikhadi lokuthenga ngetyala, qalisa ukubeka i-$ 50 kwi-akhawunti yokulondoloza inyanga nganye. Kwiinyanga ezintandathu, uya kuba needola ezingama-300 ukubeka kwikharityhulam yekredithi eqinisekisiwe. Eminye yemali ingasetyenziselwa ukunyamekela imirhumo yesicelo kunye nayo yonke into ingafakwa kwi- balance card yakho .
Ewe, uya kuba nomda ophantsi wekhredithi ukuqala, kodwa kunjalo ngekhadi lekhredithi elingakhuselekanga ngetyala elibi, kwakhona.
I- Capital One i-MasterCard ekhuselekile yamkela idiphozi yentlawulo ephantsi kwe-$ 49 okanye i-99 yama-dollar ukwenzela umda we-200 wemali-mboleko kuxhomekeke kwi-credit credit yakho. Ukuba unetyala elibi kakhulu, uza kufuneka uhlawule yonke imali engaphantsi kwe-200 yokukhusela, kodwa unokuza kunye neenyanga ezine ngokugcina i-$ 50 ngenyanga.
Yiba nomnqweno wokwenza uhlawulelo luhlangabezane nenjongo yokuphucula ikhredithi yakho. Ngethuba nje uxanduva lwakho kunye neentlawulo zakho kwaye awuyi ku-default kwi-balance, idiphozithi yakho iya kubuyiselwa kuwe.
Musa ukuchitha ixesha kwiiKhadi zeMatyala eziNgcono okanye eziBalulekileyo zeNtengo
Gwema ukufaka izicelo zamakhadi ezikolothi ezijoliswe kubantu abanamazinga aphezulu ematyala, "ukuze ubone" ukuba unokufumana imvume. Unokuthi unqatshelwe kwaye izicelo ezongezelelweyo zingonakalisa amanqaku akho okwekhredithi ngaphezulu.
Unokuthi ngokuqhelekileyo utshilo ikhadi lekhredithi lijoliswe kumntu onetyala elihle kakhulu ngezibonelelo ezibonelela. Amakhadi eemboleko anemivuzo emihle , ama- APR aphantsi , kunye namazinga omdla wokunyusa amaxesha athile axhomekeke kubathengi abanekhredithi. Abafakizicelo abaneengxelo zemarike ezihluphekileyo bavumiwe.
Yintoni omele uyibukele
Qaphela umvunyi wokuhlawula imali , okanye amakhadi e-credit-subprime, loo ntlawulo ephezulu yeemali eziphezulu ezithatha ininzi yemingeni yakho yemali. Nangona umthetho we-Federal ubeka umlinganiselo wemali kwi-25% yemingcele yemboleko , ubuncinane umnikezeli wekhadi lokuthenga ngetyala nge-subprime uzuze umgaqo-mali ngokuvavanya imali engama-90 ngaphambi kokuba ikhredithi yekhredithi ikhishwe. Amakhadi ekhredithi akhishwe yiNkulumbuso yokuqala kunye neebhanki enye yeebhanki yimimiselo yamakhadi-mboleko ukuba ahlale kude.
Amakhadi ahlawulwa ngokuqhelekileyo adluliselwa njengendlela yokukhetha abantu abanekhredithi engalunganga, kodwa oku akukona ngamakhadi okwereta. Amakhadi okubhadela afuna ukuba wenze idiphozithi phambi kokuba ungayisebenzisa ukuthenga. Kodwa ngokungafani namakhadi ekhredithi aqinisekileyo, ukuthengwa kwekhadi lakho lokubhadela kuqala kuncitshiswe kwi-balance balance. Amakhadi ahlawulwayo akuyi kuphucula i-credit yakho okanye, ngenxa yokuba ayingabika kwi- credit bureaus enkulu . (Akunakukwazi ukususela ekubeni ayilona mveliso yemboleko.)
I-Bad Credit Card ayikho ngonaphakade
Amakhadi enkoleko kubantu abanekhredithi embi ayinayo imigaqo yamakhadi ekhatywayo. Imirhumo yonyaka, inzala ephakamileyo, imilinganiselo yamatyala aphantsi, kwaye ngamanye amaxesha inkonzo yabathengi abahluphekileyo ziphakathi kweempawu oza kuhlangabezana nayo, kodwa nje ixesha elifutshane. Ungalindelanga ukuba le meko yekhadi lesikweletu iphelele. Injongo yakho kukuhlawula i-bill yakho ngexesha kwaye uphucule i-credit yakho ukuze ukwazi ukufumana into engcono, enokuyenza kwiinyanga ezili-12 ukuya kwezi-18 ukuba unembopheleleko yakho ngetyala.