Ngenyanga nganye, xa uhlala phantsi ukuhlawula iibill zakho, kufuneka ugqibe isigqibo esincinci ukuthumela umniki-khadi wakho wekhredithi - nokuba ubuncinane, ibhalansi epheleleyo okanye into ephakathi. Faka ingcamango ecacileyo malunga nendlela ohlawula ngayo kunokuba ungene ngenani elingenakuphilisa.
Ukuhlawula ngokulinganisela ngokupheleleyo kukuPhezulu
Ngokufanelekileyo, kufuneka uhlawule ibhalansi yakho ngokupheleleyo nyanga zonke kwaye kukho iinzuzo ezimbalwa zokwenza ngale ndlela. Okokuqala, unokusebenzisa ithuba lokubonga ngekhadi lakho lekhredithi kwaye ugweme ukuhlawula umyinge kwimali. Okwesibini, awunakuze ujongane netyala lekhadi lesikweletu. Ekugqibeleni, ukuhlawula ibhalansi yakho ngokubanzi ushiya umda wakho wesikweletu ovulekileyo kwaye ufumaneke ukuthenga okutsha.
Xa ungayikhokheli ibhalansi yakho epheleleyo, uya kuba nentlawulo yezemali kwisitatimende sakho sokuthengisa. Kuthatha ixesha elide ukuhlawulela ibhalansi yakho, ngakumbi uya kuhlawula inzala.
Inkokhelo encinci yeyona ntlephi omele uyihlawule
Ngaphandle kokuba unekhadi lokuthenga , umniki-khadi wakho wekhredithi akayi kufuna ukuba uhlawule ibhalansi yakho ngokugcwele inyanga nganye. Endaweni yoko, uya kuba nenketho yokwenza intlawulo encinci, inyanga nganye nyanga nganye kude kubekho imali ehlawulwa ngokupheleleyo.
Okona kuncinci, kufuneka uhlawule ubuncinci kumakhadi wakho eemboleko nganye ngenyanga.
Inkokhelo encinci kuyimfuneko ukuphepha ukuhlawulwa kwemali ekhawulezileyo ekhadini kwaye ukhuphe ukuhlawulwa kwexesha elifutshane kwingxelo yakho yekhredithi.
Ingqungquthela ephakamileyo yokuba kukuhle ukuhlawula yonke into enokuyenza, nangona kungaphantsi kwenkokhelo encinci. Akunjalo nje. Awukwazi nje ukuthumela intlawulo ye-$ 10 kumthengi wakho kwaye ulindele ukuba baqonde ukuba unenkathazo kule nyanga.
Ukuba awukwazi ukuhlawula ubuncinci, kufuneka uqhagamshelane nomniki-khadi wakho wekhadi uze wenze amanye amalungiselelo.
Xa Ungeke uhlawule ngokupheleleyo
Phakathi kweyona mininzi (ibhalansi epheleleyo) kunye ncinane ubuncinane (ubuncinci) inani lemali yokuhlawula amakhadi yesikweletu ngumlinganiselo onako ukuwuhlawulela kwi-balance balance. Ukuphonononga ingeniso yakho kunye neendleko kwaye unqume ukuba ungayifaka njani ingqiqo yakho kwibhalansi ngaphandle kokuzicoca ngokwezimali. Nantoni na ngaphezu kweyona nto incinci iza kunceda ukunciphisa ibhalansi yakho. Eyona nto ingcono.
Xa Uhlawula Iingxowa
Xa uhlawula ngamakhadi athile eemboleko ngethuba elinye, zidibanise ezi zicwangciso ngokuhlawula ngokubanzi njengoko unakho kwikhadi lesikredithi kunye nokuncinci kuzo zonke ezinye iikhadi zamatyala. Le yindlela eyona ndlela iphumelelayo yokulahla ityala lakho lekhadi lesikweletu. Uya kuphelisa umlinganiso wakho ngexesha elinye, kodwa kungcono kunokuba ukhokhe imali encinci kumatyala akho nganye ngenyanga kwaye kungcono kunokuba ukhokhe ubuncinci kwii-akhawunti zakho zonke.
Ungasebenzisa kwakhona i- calculator yokuhlawulwa kwekhadi lokuthenga ngesikweletu ukuze kukuncede ukuba wenze isigqibo sokuba yiyiphi inkokhelo yekhadi lesikweletu omele uyenze ukuze uhlawule ityala lakho. Uninzi lwabalathisi luyakubonisa ishedyuli yokuhlawula yenyanga ngokusekelwe kwintlawulo epheleleyo ongayenza ukuba uyenze okanye umhla wokugqibela ofuna ukungahlawulwa ngamatyala.
Cinga ngeCredit Score yakho
Nangona ukuhlawulwa kwekhadi lakho lekhredithi alichaphazeli ngqo umlinganiselo wakho wekhredithi, kunokuchaphazela amanqaku akho (kunye nemali yakho yenyanga yokuhlawula ixelwe kwii-credit bureaus). Ukuhlawulwa kwekhadi lakho lokuthenga ngetyala kukuchaphazela ukusetyenziswa kwesikweletu sakho, umlinganiselo phakathi kokulinganisela kwekhadi lakho lesikweletu kunye nomda wakho wesikweletu, into echaphazela kakhulu amanqaku akho. Iinqununu eziphezulu zekhredithi zivela kubathengi abanokusetyenziswa kwemali ephantsi kakhulu, ngokusetyenziswa phantsi kwe-30%.
Njengoko unquma ukuba yiyiphi inkokhelo yekhadi lesikredenti yokwenza, cingisisa malunga nokuba kuyimfuneko kangakanani ukuzisa ibhalansi yakho yekhadi lesikweletu phantsi kwe-30% yomda wesikweletu.
Okukwintsusa
Nanku umgaqo wesithupha ukugqiba ukuhlawulwa kwekhadi lakho lesikweletu: hlawula ibhalansi epheleleyo okanye ubuninzi bebhalansi njengoko unako ukukwazi ukufumana. Ukuba uzama ukuhlawula amaninzi amakhadi e-kredithi, hlawula ngokubanzi njengoko unako kwikharityhulam enye kunye neyona ncinane kubo bonke.
Kodwa, ukuba unzima kwaye awukwazi ukuhlawula imali eninzi, yenza okungenani ubuncinci.