Fumana umsebenzi
Iimfuno zengeniso yekhadi lemali-mboleko yenziwe ngokwenene kubantu abadala. Wonke umntu osebenza kwikhadi lesikweletu, abancinci nabadala, kufuneka abe neengeniso ezaneleyo zokufumana ikariti yekhredithi , nokuba ngaba banekhredithi engenakuthenjwa.
Imithetho ayithethi ingeniso ethile oyifunayo ukuba ufaneleke, kodwa abakhishi bekhadi lesikweletu banezikhokelo zabo (ezingabhengeziwe) ezihamba ngekhadi lesikweletu. Ukuba uphehliwe kwaye kungenxa yokuba ungenayo imali engenayo ukuze ufaneleke, uya kufumana ileta ngeposi echaza.
Fumana umphatyi-co-sign
Xa ungeke ukwazi ukufumana ikariti yesikweletu ngokwakho, enye indlela ukufumana umntu oneminyaka engaphezu kwe-21 ukuba abhalisele isicelo sakho sekhadi lesikweletu. Umnxibelelwano-mlingane kufuneka ahlangabezane neziqinisekiso ukuba bobabini benu bavunyelwe. Emva kokuvunywa, wena kunye nomninimzi-mlingane unoxanduva lokubambisana kwekhadi lesikweletu, nokuba ngaba omnye kuphela usebenzisa lakho ikhadi. Indlela ojongene ngayo nekhadi lekhredithi elidibeneyo liyakuchukumisa nembali yakho yomninimzi-mvume kunye nomsebenzi. Ukuba ngaba umnikazi wekhadi akanakulinganisekanga ngekhadi lesikweletu, zombini iimbali zakho zeentengo ziya kuthinteka. Yingakho abantu baxwayiswa ukuba bangabonisi .
Cela umntu ukuba enze umsebenzisi ogunyazisiweyo kwikhadi lekhredithi
Ukuba ngumsebenzisi ogunyazisiweyo kufana nokuba nekhadi lekhredithi ngokudibanisa. Umehluko kukuba, njengomsebenzisi ogunyazisiweyo, awunyanzelekile ngokomthetho ngokulinganisela. Imbali yentlawulo iboniswa kwingxelo yakho yekhredithi kwaye ingakunceda kamva ukuba ufumane ikhadi lakho lekhredithi ukuba umkhuphi wekhadi usebenzisa umzekelo wemali - mboleko ebonelela abasebenzisi abagunyazisiweyo (i- VantageScore igatya i-akhawunti yomsebenzisi ogunyazisiweyo).
Zama ikhadi lokuthenga ngetyala
Ukuba unemivuzo yokufumana ikhadi lekhredithi, kodwa ukungabikho kwembali yesikweletu kukugcina ukuba uvumeleke, cinga ukufumana ikhadi elikwi-credit card . Olu hlobo lwekhadi ludinga ukuba wenze idiphozithi yemali njengobambiswano ngokumalunga nomda wesikweletu. Nangona wenze idiphozithi, usenomthwalo wokuthatha iintlawulo kwi-balance balance you accumulate. Idiphozithi isetyenziselwa kuphela xa ungagqibekanga kwibhalansi yekhadi lesikweledu kwaye ungalokothi uhluthe ulwaphulo-mthetho ngokwakho. Ngokuxhomekeke kumniki-khadi, ikhadi lakho linokuguqulwa kwikhadi lekhredithi rhoqo xa uphatha ikhadi lakho kakuhle kwiinyanga ezili-12 ukuya kwezi-18.
Yiya kuqala
Ikhadi elihlawulwa kuqala alikho ikhadi lekhredithi ngokwemvo yokuba ukwandiswa komgca wekredithi, ngoko akunakukunceda ukwakha amanqaku ekhredithi kwaye awukwazi ukuthenga ngaphandle kokuba unomlinganiselo wemali kwikhadi lokubhadela. Kodwa, ukuba ufuna nje isiqwenga seplastiki eziphatha njengekhadi lesikweletu, umzekelo ukubhuka ihotele, ukurenta imoto, okanye ukuthengwa kwegesi kwipompo, ikhadi elihlawulwa kuqala likhethekileyo. Akukho zikhredithi okanye iimfuno zengeniso. Kufuneka wenze idiphozithi ukuvula ikhadi kwaye uza kufuneka ulayishe kwakhona imali xa usuphelile imali yakho.
Nangona useneminyaka eyaneleyo yokufumana ikhadi lokuthenga ngetyala nge-18, awukwazi ukulungela ukuba ungalunganga malunga nexesha elidlulileyo, uhlala ulahlekelwa yimali phambi kwexesha lakho elizayo lokuhlawula, okanye uqhubeka u-overdraft i-akhawunti yakho yokujonga.
Kodwa, ukuba unembopheleleko ngemali, uyazi ukuba ungayifumana njani inkcitho yakho, kwaye unokukwazi ukuhlangabezana neembopheleleko zakho, uhamba ngendlela efanelekileyo. Landela la ma- dos and do not use your credit card yokuqala.