Xa uMthetho weKharityhulam weKharityhulam ka-2009 wawudinga ukuba abaniki bamakhadi bekhredithi bavumele abanikazi bamakhadi ukuba bangene kwiimali zokukhawulwa kwemali-mboleko, abaninzi baninzi bamakhredithi abakhulu bekhredithi baye balahla iindleko zokukhawulwa kwamatyala ngokupheleleyo. Sekunjalo, amaninzi amakhadi ekhredithi ayaqhubeka nokuvavanya umrhumo wabanini bamakhadi abadlula umda wabo wemali.
Imirhumo kunye nezohlwayo zokuya ngaphaya koMtyala wakho
Ukuba umnikeli wakho wekhadi lokuthenga ngetyala uyayifaka imali engaphezulu kwemida , umrhumo unokuba ngu-$ 35. Unokuhlawulwa umrhumo owodwa ngaphezu kwemida nganye ngenyanga ukuya kwimijikelezo emithathu yokuhlawula ukuba ibhalansi yakho yekhadi lesikweletu lihlala phezu komda ngamnye kumjikelezo wokuhlawula. Okanye, umnikeli wakho wekhadi unokuhlawulisa imali engaphezulu kwemida-mali xa uhlawula ibhalansi yakho phantsi, ude udlule umda wakho wesikweletu okanye xa ufumana umlinganiselo wesikweletu kunye nokwandisa umda omtsha wesikweletu.
Okwesibini, xa uhamba phezu komda wakho wesikweletu, inzala yakho inokunyuka kwinqanaba eliqhelekileyo okanye ikhadi lesohlwayo , elinezinye iimeko eziphakamileyo ezingama-30%. Oku kukhula kwezinga lentengo kwenza kube kubi kakhulu ukuba kuthwale ibhalansi yekhadi lesikweletu ngaphaya kwexesha lobabalo kuba uya kuthi uhlawuliswe imali ephezulu yeendleko kwiibhalansi yakho.
Ekugqibeleni, umlinganiselo wakho wekhredithi uthatha. Ukusukela ngo-30% wekredithi yakho yamanqaku kuthelekisa inqanaba lakho lematyala kwimingcele yakho yemali-mboleko, oko kukusetyenziswa kwakho kwetyala, ukuba ne-balance-over-limit balance will cost you points points.
Indlela onokuyiphephe ngayo iMali yokuLawulwa kweMboleko
Kungenzeka ukuba ugweme ukuhlawulwa imali yentlawulo yemingeni. Kuthatha inyathelo elincinane kunye nokubeka iliso kwinqanaba lakho.
- Musa ukungena kwiimali zokukhawulwa kwemali-mboleko . Umnikeli wakho wekhadi lokuthenga ngetyala kufuneka abe nemvume phambi kokuba angakuhlawula imali yentlawulo yemali. Unako "ukukhetha ukuphuma" kwezinto ezingaphezulu kwemida. Xa usenjenjalo, nayiphi na intsebenzo eyokubeka phezu komda iya kunqatshwa kwaye awuyi kuhlawulwa imali engaphezulu kwemida.
- Yazi umda wakho wekhredithi . Kulula kakhulu ukuwela umda wakho ukuba awukwazi ukuba yintoni. Ukufumana umda wakho weekhredithi, khangela isitatimenti sakho sokubhatala , ungene kwi- akhawunti yakho ye- intanethi , okanye ubize inkonzo yakho yamakhasimende ngamakhadi ekhredithi usebenzisa inombolo emva kwekhadi lakho lesikweletu. Ukuba umnikeli wakho wekhadi lesikweletu unomsebenzi we-smartphone, unokukhuphela i-app ukufikelela kwi-akhawunti yakho ngaphambi kokuba wenze nayiphi na amakhadi amatyala ekhredithi entsha. Ekubeni abathengi ngezinye iinkqubo bephakamisa kwaye banciphise umlinganiselo wesikweletu, kuyilungileyo yokujonga umda wakho rhoqo.
- Bhalisa kwiibhalansi . Amanye amakhadi ekhredithi aya ku-imeyile okanye atyikitye xa ibhalansi yakho ingaphakathi kwepesenti ethile okanye inani leedola lomlinganiselo wakho wesikweletu. Hlola i-akhawunti yakho ye-intanethi okanye uqhagamshelane nenkonzo yabathengi ukuze ubone ukuba umnikeli wakho wekhadi lokuthenga ngetyala unika ezi ntlobo zezilumkiso.
- Gcina i-balance balance . Ibhalansi ephantsi-30% yemingeni yakho yemali okanye iyancinci-ikunika igumbi lokuthenga ngaphandle kokungaphaya komda wakho. Akunjalo kuphela, kungcono kumanqaku akho ekhredithi. Kwikhadi lekhredithi elinomlinganiselo weekhredithi ezingama-1 000, gcina ibhalansi ye $ 300 okanye ngaphantsi.
- Ukuba awuqinisekanga, khangela . Naliphi na ixesha ongazi ukuba umlinganiselo wakho kunye nomda wokuthenga ngetyala, khangela i- credit yakho ekhoyo ngaphambi kokuthenga. Amanqaku amaninzi amatyala ayenomgca wokuzenzekelayo okhoyo 24/7 ukujonga olu hlobo lwazi. Sebenzisa inombolo yenkonzo yamakhasimende emva kwekhadi lesikweletu. Ukuba uneselfowuni, unako ukubiza umnxeba ukusuka kwisitolo ngaphambi kokuthenga kwakho.
Yintoni ongayenza Ukuba uhlawuliswe i-Credit Limit Fee
Umnikezeli wakho wekhadi lokuthenga ngetyala unokukulungela ukuyeka imali engaphezulu kwemida okokuqala xa uhamba phezu komda wakho wesikweletu. Khawubiza nje umniki-khadi wakho wekhadi uze ubuze ukuba unako ukuhlawula imali. Bangaba bazimisele ukususa intlawulo kwi-akhawunti yakho nje kuphela ukuba ugcine i-akhawunti yakho ngokuma kakuhle.
Ngaphandle koko, ukuba awukwazi ukufumana intlawulo ekhutshiwe, hlawulela ibhalansi yakho ngaphantsi komda wekhredithi ukukhusela ukuhlawuliswa umrhumo wenyanga ezayo. Uya kufuneka unciphise ibhalansi yakho yekhadi lekhredithi ngokwaneleyo ukwenzela ukuba inzala kunye nemirhumo ayiyi kukubeka phezu komda wakho wesikweledu kwakhona ngenyanga ezayo.