Ukuba umda wakho wesikweledu ukwandisa uvakalelwa nje ukufumana ukuphakanyiswa okanye ukuphakanyiswa emsebenzini wakho. Ewe, mhlawumbi akusiyo loo mandla, kodwa isona sihle kakhulu kumzuzwana wakho, ngokukodwa ukuba untsha kumboleko okanye ukuvuselela amanqaku amatyala angalunganga . Ukwandiswa komda wakho wemali-mboleko unjengehlobo lokubamba ngasemva ekutsheleni ukuba wenza izinto ngokufanelekileyo ngekhadi lakho lesikweletu.
Umda wesikweletu omkhulu ukwandisa amandla akho okuthenga, kodwa akuyena kuphela into ebalulekileyo malunga nomyinge omkhulu wesikweletu.
Umda wekhredithi ophezulu ungathetha izinto ezintle kumanqaku akho-mboleko - ngokungakhathaliseki ukuba ungaphumi kwaye usebenzise i-credit yakho entsha. Ipesenti ezingamashumi amathathu zekredithi yakho yekredithi isekelwe kwinqanaba lakho lesetyala. Inxalenye ebalulekileyo yileyo yokusetyenziswa kwetyala okanye inani lemali-mboleko ekhoyo oyisebenzisayo. Ukunyuswa kwemali yesikweledu kukunciphisa ukusetyenziswa kwetyala (kuthathwa ukuba ugcina ibhalansi efanayo okanye uhlawule phantsi) kwaye kunokubangela ukuba umlinganiselo wekhredithi ophezulu.
Ngoko, ufumana njani ukunyuka kwemali yemali? Akuyinkqubo enzima kakhulu.
Ukwandiswa kweMali yokuThengiswa kweMatyala
Abanye abakhupha amakhadi ekhredithi baya kukwandisa umlinganiselo wakho wesikweletu ngokuzenzekelayo njengoko ubonisa ukuba unokuphatha i-credit ngokuyimfanelo . Oko kuthetha ukuhlawula kuphela ipesenti yemingcele yakho yesikweletu kunye neentlawulo zakho ngexesha ngalinye ngenyanga. Amanqaku amaninzi ekuhlaziywa kwekhadi lokuthenga ngamakhadi ngokukhawuleza kwaye aphakamisa ngokukhawuleza umda wesikweletu wabanini bamakhadi abahlangabezana neemfuno zabo.
Ukucela Ukwandiswa Kwisistim sakho seKhadi
Nangona abanye abakhupha ngekhadi lokuthenga ngetyala banokunyusa ngokukhawuleza umda wakho wesikweletu, abanye bakwenza njalo kwisicelo sakho. Mamela kwi-prompts; kukho enye inokucela ukunyuswa komda wesikweletu. Okanye, khetha nje ukhetho lokuthetha nommeli wenkonzo yabathengi kwaye ucele umlinganiselo wesikweletu owandisiweyo.
Unokwazi kwakhona ukucela ukunyusa umlinganiselo wesikweletu kwi-intanethi.
Xa ucela ukwandiswa kwemida yesikweletu, umnikezeli wekhadi unokucela ulwazi oluthile ukucwangcisa isicelo sakho. Ngokomzekelo, banokucela imali yakho yenyanga, ingaba ungathanda ukuthini umda wakho ukwanda, kunye nesizathu sokwanda.
Ukucwangcisa isicelo sakho, umniki wekhadi lokuthenga ngetyala unokufikelela kwingxelo yakho yekredenti ngokukhwela kanzima okanye okuthambileyo kuxhomekeke kumkhupheli wekhadi lokuthenga ngetyala. Ukudonsa i-soft or question will not affected Le yimihlobo yemibono ebonakalayo kuphela kwinguqu yakho yengxelo yekhredithi. Nangona kunjalo, ukukhutshwa kanzima kunokuchaphazela amanqaku akho okwekhredithi ngokuxhomekeke kolunye ulwazi olukhoyo kwingxelo yakho yekhredithi. Uphando olunzima luya kuboniswa kuzo zonke iinguqulelo zeengxelo zakho zemali ukuya kwiminyaka emibini.
Unokufumana ngokukhawuleza ukuba isicelo sakho somkhawulo omkhulu wesikweletu sivunyiwe. Ngaphandle koko, umniki wekhadi uza kukuxelela iintsuku ezimbalwa emva koko, ngokuqhelekileyo ngeposi.
Ukwandisa iDisfethi yakho yoKhuseleko
Ukuba unomda wesikweletu okhuselekile, unako ukuphakamisa umda wakho wesikweledu ngokuhlawula ngaphezulu kwi-deposit yakho. Shayela inombolo yesevisi yamakhasimende ekhadi ukufumana amanyathelo okwenza oku.
Ukunyuka kweNkcitho kuLwe
Ukongezwa kwamanqaku akho okwekhredithi kungavunyelwa ngenxa yezizathu ezimbalwa ezahlukeneyo.
I-akhawunti yakho ingaba yintsha, inokuthi ihambe ngokukhawuleza njengoko utshintsho lokugqibela kumda wakho wekhredithi, ingeniso yakho ayikuvumeli ukuba ufanele ukunyuka, okanye unokufumana i-akhawunti engayifumani ukunyuka kwemida yesikweletu, umzekelo iakhawunti yekhadi lesikweletu .
Ulwazi olungalunganga kwimbali yakho yekhredithi lungakhokelela kwisicelo sakho sokwandisa umlinganiselo wesikweletu. Ngaloo ndlela, uya kufumana i- letter action action explaining the factors, like the delinquencies of recent or balances high credit cards, ezithintele ukunyusa umlinganiselo wesikweletu. Uzakufumana kwakhona ukukhankanywa kwamanqaku ekhredithi mahhala ukuba umlinganiselo wakho wekhredithi usetyenziswe kwisigqibo sokunciphisa isicelo sakho.
Ukuba isicelo sakho asivunyelwanga ngeli xesha, qaphela isizathu (s) esiboniswe kwileta yesenzo esingalunganga. Ukuphucula i-credit yakho kule mimandla, linda iinyanga ezimbalwa, uze uzame kwakhona.
Qaphela ukunyuka kweMali yokuThengisa iMali
Qaphela ukuba ezinye iikhadi lekhredithi lihlawule umrhumo wokwandisa umda wakho wemali. I- Credit One Bank Visa Platinum kwikhadi lesikweledu, umzekelo, ukuhlawulisa ukuya kwi-49 $ xa ucela ukunyuka kweemali. Kwaye Ikhadi lokuqala leBhanki yeNkulumbuso lihlawulisa ama-25% okwanda rhoqo xa uvunyiwe ukwenyuka kwenyusa umlinganiselo wesikweletu. Qaphela ukuba zombini amakhadi athabatha abantu abanekhredithi embi. Ukuba unayo enye okanye ikhadi elifanayo, yehla ukunyuka komlinganiselo wesikweletu kunye nokunyuka kwikhadi lekhredithi elingcono ngokukhawuleza xa ufanelekile.