Fumana iibhanki eziza kukuvumela ngaphandle kweMali
Qinisekisa ukuba unayo Umsebenzi
Kumelwe ube nenzuzo eyaneleyo yokubuyiselwa ibhalansi yekhadi lakho lesikweletu, ingakumbi xa uneminyaka engaphantsi kweminyaka engama-21. Ingeniso oyifakayo kwisicelo sakho sekhadi lesikweletu kufuneka ube yakho - awukwazi ukuyisebenzisa ingeniso yabazali bakho, iqabane okanye omnye Amalungu omndeni ukuba afanele ukufumana ikhadi lesikweletu ngaphandle kokuba unako ukufikelela ngokufanelekileyo kuloo mali.
Imilinganiselo yemali iyahluka kuye kuxhomekeke kwikhadi lekhredithi, kodwa kufuneka wenze ubuncinane imali eyaneleyo yokubuyisela ibhalansi yakho yekhadi lesikweletu nganye ngenyanga. Iphakamileyo yakho engenayo, ithuba elihle unalo xa ufumana imvume kwikhadi lesikweletu nangona ungenawo amanqaku emboleko.
I-Pre-Qualify yeCredit Credit
Abambalwa abakhulu bekhadi lokuthenga ngekhredithi banokuqala kwi-online pre-qualification ekuvumela ukuba ubone ukuba kukho ikhadi lekhredithi elifumanekayo kwiprofayili yakho yekhredithi. Ezi zifundo zangaphambi kweemfundo ziqhelekileyo ukuhlolwa kwekhredithi- ithetha ukuba abayi kulimaza amanqaku okuthenga ngetyala okanye babonise ingxelo kwingxelo yakho yeebhanki xa omnye umntu ehlola ingxelo yakho.
Ukuba ekugqibeleni ulandele isicelo sekhadi lesikweleti, loo mibuzo enzima iya kubonisa kwingxelo yakho yekhredithi kwaye unokukwazi ukunciphisa amanqaku akho ekhredithi.
Ukuqala ukufaneleka kwekhadi lesikweletu akuqinisekisi ukuba kuvunywe. Ezinye izinto - njengengeniso yakho - kunokubangela ukuba unqatshelwe kwikharityhulam yekhredithi oyifanele.
Ukuba unqatshelwe, uya kufumana ileta eposini ekuxelela isizathu esithile. Sebenzisa le ngcaciso kwileta ukugqiba oko ufuna ukukwenza ngokulandelayo.
- I-One One Pre-Qualify
- Citi Pre-Qualify
Fumana iKhadi lokuTyala leMfundi
Ukuba ungumfundi, unako ukufumana umvuzo wekhadi lesikweletu somfundi . Ezi makhadi zenzelwe abafundi beekholeji abangenayo inzuzo enkulu okanye imbali yengetyala . Ukuze ufaneleke, unokufuneka unike ubungqina bokuthi ubhalise kwikholejini elifanelekileyo okanye kwiyunivesiti. Khetha ngokucophelela. Amanye amakhadi ekhredithi yomfundi anomlinganiselo ophezulu wamanqanaba kunye neentlawulo ezininzi.
Faka isicelo kwiCredit Credit Card
Amakhadi eentengo zethengi zorhwebo zineenkcukacha zokuvuma izicelo zekhadi zekhredithi zabantu abangenakho ikhredithi. Unako ukufumana imvume evela kumakhadi avaliweyo angenayo i-Visa okanye i-MasterCard brand. Ngeke ukwazi ukusebenzisa ikhadi lokuthenga ngetyala ngaphandle kweso sitolo esithile, kodwa kuya kukunika ithuba lokungena Qala imbali yakho yekhredithi. Qaphela: amakhadi enkokhelo esitolo esitolo esineentengiso aneemilinganiselo eziphantsi zetyala kunye neerhafu eziphezulu. Gcina ibhalansi yakho iphantsi uze uhlawule ibhalansi yakho ukuphepha ukuhlawula inzala eninzi.
Fumana iKhadi leMali eliKhuselekileyo
Amakhadi okuthenga ngetyala ngamakhadi ahambayo kubantu abangenakuvunyelwa kwikharityhulam yemveli yesikweletu .
Akukho nto ephosakeleyo ngokuba nekhadi lekhredithi elilondoloziweyo nje ngokuba ukhetha enye ingxelo kwii- credit bureaus ezinkulu kunye neemali ezimbalwa.
Yintoni eyenza ikariti ekhredithiweyo ekhuselekelwe kwezinye iikhadi zamatyala kukuba wenza idiphozithi yokukhusela ukuze ufumane umda wesikweletu . Amanye amakhadi ekhredithi afikile aphethe iindleko ezininzi, kodwa kukho amakhadi amatyala ambalwa agcina iimali ezincinci. Ukuba ungenayo imali eyaneleyo yokukhusela ngokukhawuleza, unokuchitha iinyanga ezimbalwa ugcine ukukhutshwa kwekhuseleko. I- Capital One i-MasterCard ekhuselekile ine-minimum deposit ye-$ 49, i-$ 99, okanye i-200 engama-200 engama-200.
Thola i-Co-Signer
Ukuba awukwazi ukufumana ikhadi le-credit card ngokwakho, unokukwazi ukusebenzisa inzuzo yomntu othile. Unokufumana umntu onomsebenzi kunye nekhredithi enhle ukuba asebenze nawe, kodwa qaphela ukuba ukufumana ikhadi lokuthenga ngetyala kunye ne-cosigner lithintela.
Unomnye umntu obandakanyekayo kwiimali zakho, ubukele ukuthenga kwakho, kwaye uqinisekise ukuba uhlawula ikhadi lesikweletu. Ukuba ungekho uxanduva ngekhadi lesikweletu, oko kukuthi ulahlekelwa iintlawulo okanye ukhulu ngaphandle kwekhadi, ikhredithi ye-cosigner ichaphazelekayo, nayo. Cinga ngenyameko ngaphambi kokuba ufumane ikhadi lesikweletu kunye nomnye umntu.
Iingcebiso
Gwema ukufaka izicelo ezininzi zekhadi lesikweletu. Ukuba ujikelelwe kwikharityhulam enkulu , nokuba ngaba ikhadi lekhredithi yomfundi, musa ukusebenzisa. Endaweni yoko, khangela ikhadi lesikredithi lesitolo okanye ikhadi lekhredithi elondekileyo. Khetha le makhadi ekhredithi kwangaphambi kwexesha, ngoko awufuneki ngokukhawuleza kwikhadi lesikweletu eliya kukuvuma.
Qaphela nayiphi na ikhadi lekhredithi eliqinisekisa ukuvunyelwa ngaphandle kokuba uqale ukujonga amanqaku akho. Kukho mhlawumbi ukubamba ngefowuni ephakamileyo okanye inzala ephezulu okanye zombini.
Ikhadi ehlawulwa kuqala yinto ekhethiweyo kwikhadi lekhredithi kodwa luncedo kuphela xa ungenayo i-akhawunti yokukhangela kunye nekhadi lokutsalwa . Amakhadi ahlawulwayo akuncedi ukuba wakhe umlando wesikweletu. Zikuvumela ukuba wenze i-credit card-like transactions, njengokuba uhlawula kwipompo yegesi.
Emva kokuba uvunyiwe kwikhadi le khredithi, lisebenzise ngokufanelekileyo ukuze ukwazi ukufumana amakhadi angcono kunye neengxowa-mboleko kwixesha elizayo. Gcina ibhalansi yakho iphantsi uze uhlawule ibhalansi yakho ngokupheleleyo nyanga zonke ukwakha imbali yamatyala entle.