Ikhredithi yakho yamatyala ekhoyo ityhiyano phakathi komda wekhredithi kunye ne-balance balance. Yimalini enokukwazi ukuyichitha kwikhadi lakho lekredithi ngaphandle kokuhlawulwa kweentlawulo zokudlula umda wakho wekhredithi okanye ukuba ikhadi lakho lehlile.
Ukwazi i-credit card yakho efumanekayo ngaphambi kokuba wenze ukuthenga kuya kukunceda uhlale kumda wakho wemali. Unokuphepheka nayiphi na imali engaphezulu kwemida ehlawulwe ngumnikeli wakho wekhadi lokuthenga ngetyala ngokuhlala uqaphela ukulinganisela kwakho kunye nenkokhelo ekhoyo.
Kwaye, ukuba unenkxalabo yokwakha okanye ukugcina i-credit score score, ukwazi ukuba i-credit yakho iyimfuneko ekulawuleni ukusetyenziswa kwetyala lakho. Nazi iindlela ezintathu zokujonga ityala elikhoyo kwikhadi lakho lesikweletu.
1. Inkcazo yakho yoTywala
Ikopi yakutshanje yesitatimende sakho sokubakho iya kubandakanya umda wakho wekredithi, ibhalansi yekhadi yamatyala kunye nekhredithi yakho ekhoyo. Ukuba wenze nayiphi na intlawulo okanye ukuthenga ukususela ekubeni isitatimende sakho sokugqibela senqwelo-ntlawulo sithunyelwe ngeposi, i-credit ekhoyo kwi-statement yakho ayiyi kuchaneka. Ngethamsanqa, kukho iindlela ezimbini zokujonga i-credit yakho yakutshanje.
2. I-akhawunti yakho ye-intanethi
Ukuba unokufikelela kwi-intanethi kwiakhawunti yakho yekhadi lesikweletu, ungangena kwi-credit card yakho. Ukudala omnye kuthatha imizuzu embalwa ukuba ungasayina. I-akhawunti yakho ye-intanethi iya kuba yinto ekhoyo ngoku ngaphezu kwephepha lakho lokubhalwa kwephepha. Nangona kunjalo, iintengiso ozenzayo kwimini edlulileyo zingabonakali kwibhalansi ekhoyo eboniswe kwisitatimende sakho sekhadi lesikweletu.
3. Umnxeba wenkonzo yabathengi
Shayela inombolo yenkonzo yamakhasimende ebhalwe ngasemva kwekhadi lakho lesikweletu. Mamela ukukhawuleza ukuba ukhethe i-credit yakho okanye ucele ukuthetha nommeli wenkonzo yabathengi. Ngokuqhelekileyo uya kunikelwa i-credit-to-date ekhoyo xa ubiza umnxeba wenkonzo yamakhadi ekhredithi.
Ukukhulisa i-Credit Your Available
Unokuzama ukucela ukunyuswa kwemida yeekhredithi ukuze ufikelele kwi-credit engaphezulu. Umnikezeli wekhadi lokuthenga ikhredithi uza kuhlaziya umlando we-akhawunti yakho, ingeniso, kunye nembali yekhredithi ukwenza isigqibo kunye nokuphakamisa umda wakho wemali xa uvunyiwe. Ngaphandle koko, ukuba isicelo sakho siphihliwe, uya kufumana i-imeyile okanye ileta kwi-imeyile ekwazisa isizathu sokuba isicelo sakho singavunyelwanga.
Ukuba isicelo sakho sokwenyulwa kwemali yesibhanti sikhankanywe, ungenza inkokhelo enkulu yekhadi lokuthenga ngetyala ukuze ukhulule ikhredithi oyifunayo. Gcinani engqondweni ukuba inokuthatha enye okanye ezimbini iintsuku zoshishino ukuba uhlawule ukuthumela kwi-akhawunti yakho kunye nekhredithi yakho ekhoyo ukwenyuka.
Amakhadi aMatyala angenawo umlinganiselo wokuchitha imali
Amanye amakhadi ekhredithi ayinaso umda wesikweledu obekwe ngaphambili . Lawa makhadi kunomlinganiselo wokuchitha ungashintsha ukususela kwinyanga ukuya kwinyanga ngokusekelwe kwimali yakho engenayo, imikhuba yokuchitha imali kunye nolunye ulwazi lwezemali umniki-khadi wakho wekhadi. Umlinganiselo wakho wokuchitha awuyi kuphrinta kwizitatimenti zekhadi lakho lesikweletu okanye kufumaneka kwinombolo yesevisi yamakhasimende ngokuzenzekelayo.
Ukwazi i-credit yakho ekhoyo kwikhadi lekhredithi engenakho umda wokuchitha imali ungasidinga umnxeba kwinkonzo yabathengi. Ngokomzekelo, ukuba wenza ukuthenga okukhulu okungaphandle kwemikhuba yakho yokuchitha imali, unokucela umniki wekhadi lakho lesikweletu ukuba ngaba ihlawuliso iya kuvunywa ngokusekelwe kumda wokuchitha imali.