Ukuthatha ibhalansi yekhadi lekhredithi ephezulu, nakwikhadi lekredithi elilodwa, linokuyingozi kumboleko kunye nemali yakho. Isixa semali oyisebenzisayo yinto yesibini ebalulekileyo ekuchaphazela amanqaku akho . Ngenxa yokuba imali yamatyala ekhredithi ibaluleke kakhulu kumanqaku akho ekhredithi, ukuba izilinganisi zekhadi lesikhredithi eziphezulu ngokumalunga nomlinganiselo wakho wekhredithi ziya kuba nefuthe elibi kumanqaku akho.
Akunjalo kuphela izikali eziphezulu eziphambili kumvuzo wakho weekhredithi , zibi nakwi-wallet yakho.
Izilinganiso zamakhadi eziphakamileyo eziphezulu ziphantsi kweentlawulo eziphezulu zemali- imali eya kumkhredithi wekhadi lokuthenga ikhredithi ukuze ukwandise ukulungelelanisa ukubuyisela ibhalansi yakho ngexesha. Kwaye ukuba ibhalansi yakho inomyinge omkhulu, inkokhiso yenyanga yenyanga ingenza kube nzima ukubuyisela imali yakho.
Ibhalansi yekhadi lekhredithi ephezulu inokuma endleleni yokufumana ezinye iimakhadi zeentengo zemboleko kunye nemali-mboleko. Abaniki bamakhadi kunye nababolekisi banokukhetha ukuba izilinganiso zamakhadi akho zekredithi ziphantsi, ngokumalunga nomda wokuthenga ngetyala. Ukuba uvunyiwe, nangona ibhalansi yekhadi lekhredithi ephakamileyo, unokuvunyelwa kwisantya esiphezulu senzala ukuba unayo ibhalansi esezantsi.
Ukuhlawula izikolo eziphezulu zekhadi lesikweletu kuyazuzisa ngezizathu ezininzi, kodwa ukwazi indlela yokujongana nezi balinganiso eziphezulu akusoloko kulula. Nazi iindlela ezintathu ongayisebenzisa.
Yeka ukusebenzisa iKhadi lakho leKhadi
Ukuzama ukusebenzisa ikhadi lakho lesikweletu kwaye uhlawule ngexesha elifanayo lilingana nekhadi lekhredithi lokufuna ukugcina ikhekhe kwaye uyidle.
Akunakwenzeka ukwenza zombini. Ukuba ufuna ukuhlawula ibhalansi yakho yekhadi lesikweletu, kufuneka uyeke ukusebenzisa ikhadi lakho lekhredithi ngokupheleleyo. Ngaphandle koko, uqhubela phambili umjikelo ongenakuphela-matyala.
Khawucinge, umzekelo, unayo ibhalansi yekhadi lesikweletu esingu-1 000 kunye neepesenti ezingama-15.9 u-APR. Intlawulo yakho yenyanga yenyanga iza kuba yi-$ 10.89, okwenza ibhalansi yakho ibe ngu-1010.89.
Emva kokuhlawulwa kwemali eyi-100, ibhalansi yakho iya kuhlahlela i-$ 910 kuphela. Ukuba emva koko usebenzisa ikhadi lakho lesikweletu ngokutsho, ukuthengwa kwe-$ 125, ibhalansi yakho iphakama ibe yi-$ 1035. Emva kokuhlawulwa kweerhafu kunye nokuhlawulwa kwe-$ 100, ibhalansi yakho iya kuba ngu-946.
Ukususela kumbono weemathematika, ekugqibeleni uza kuhlawula ibhalansi yakho yekhadi lesikweletu ngokukhawuleza ukuba ukuthengwa kwakho kwenyanga nganye (kunye neentlawulo kunye nomdla) kuncinci ngaphezu kwentlawulo yakho yenyanga. Nangona kunjalo, kuya kuthatha ixesha elide ukuhlawulela ibhalansi yakho kunokuba umane uyeke ukusebenzisa iikhadi lakho lekredithi. Kulo mzekelo wangaphambili, unokuhlawula ibhalansi ye-$ 1,000 kwiinyanga ezili-11 nje kunye neentlawulo zeenyanga ezili-100 kwaye akukho nto yokuthenga okanye iimali ezidlulileyo.
Gwema ukuthembela kumakhadi akho okwereta nakubani na ukuthenga. Oko kuthetha ukugcina imali yakho ngaphantsi kweholo lakho. Akuyikukukunceda kuphela ukuphepha ukusebenzisa ikhadi lakho lekhredithi, kuya kukushiya nemali eninzi yokubeka ibhalansi yakho yekhadi lesikweletu.
Unokuthi uvale ikhadi lakho lekredithi ukuze ungalisebenzisi. Ngoxa ukuvala ikhadi lokuthenga ngetyala nge-balance kungathintela umlinganiselo wakho wekhredithi kwixesha elifutshane, emva kwexesha, ukunciphisa ibhalansi yakho yekhadi lekhredithi kungcono kwi-credit yakho. Amanqaku akho ekhredithi aya kuhlawulela njengoko uhlawula ibhalansi yakho.
Ukuba ufuna ukugcina ikhadi lakho lekhredithi livulekile, kodwa uzikhusele ekusebenziseni, ungaya endleleni endala kwaye uyinqumle.
Lahla iziqwenga kwaye awuyi kukwazi ukusebenzisa ikhadi lakho lekhredithi ngokuthenga i-intanethi. Susa ikhadi lakho lekredithi ukusuka kuyo nayiphi na iinkonzo zokubhatala iinkonzo kunye nokusetha ukubhaliswa okuphindaphindiweyo kwikhadi lakho lokubambisa okanye ukujonga iakhawunti.
Akufuneki kuphela ukuphepha ukuthenga kwikhadi lakho lekhredithi, kubalulekile ukuba ugweme ukufumana iimali ezongeziweyo kwikhadi lakho, kwakhona. Imirhumo yembuyekezo njengemirhumo yexesha elide kunye neentlawulo zokuhlawula intlawulo zinganciphisa inkqubela yakho ekuhlawuleni ukulinganisela kwekhadi lakho lesikweletu. Ukuba ikhadi lakho lekhredithi linomrhumo wonyaka, mhlawumbi ngeke ukwazi ukuwuphepha. Noko ke, unokuqwalasela ukuhambisa ibhalansi yakho kwikhadi lekhredithi elingenayo imali yonyaka.
Ukutshintshela kwiKhasi leMatyala yeNzala yeMali engaphantsi
Inzala yakho inendima enkulu ekuhlawuleleni ibhalansi yakho yekhadi lesikweletu. Kungenxa yokuba inxalenye nganye yeentlawulo zakho zenyanga iya kuhamba nomdla kwifom ehlawulwayo.
Ukuphakanyiswa kwezinga lakho lemali, ukuphakanyiswa kweentlawulo zeenyanga zenyanga kunye neentlawulo zakho zenyanga zonke eziza kusetyenziswa kumdla.
Unokuphelisa ngokupheleleyo umdla njengento ekuhlawuleleni ibhalansi yakho yekhadi lokuthenga ngetyala ngokudlulisela ibhalansi yakho kwikhadi lekhredithi elinomyinge we-0%.
Abaninzi bamakhredithi abakhredithi bamakhadi banikezela ubuncinane i-0 yeepesenti yekhadi lesikweletu. Xa ufanelekile kwaye uhambise ibhalansi yakho kwikhadi le-credit card, uya kuthatha ubuncinane iinyanga ezintandathu zokuhlawulwa kwentlawulo-ntlawulo, mhlawumbi ngaphezulu ngokuxhomekeke kwikharityhulam yekhredithi oyifaneleyo. Ungayisebenzisa ixesha elingenamdla ukuba unqumle inxalenye enkulu yekhredithi lakho kwikhadi lesikweletu.
Ukuba unamakhadi athile eemali-mboleko eneemali eziphezulu, thumela ibhalansi kunye nenani lexabiso eliphezulu, oku kuya kunika ithuba elihle lokulondoloza.
Iipesenti zakho ezingu-0 u-APR aziyi kuhlala ngonaphakade. Yisebenzise ukutshintshwa kwemali ngokuhlawula imali eninzi njengoko unakho ngelixa ixesha lokuphromotha lisebenza.
Qhubeka ukuphepha ukuthenga okutsha kwikhadi lakho lesikweletu, nangona ikhadi liyakwandisa izinga lokunyusa ipesenti kwi-0 ukuthenga kunye nezikolo ezihanjiweyo.
Yenza iiNtlawulo ezinkulu
Abaniki bamakhadi bamakhadi bakwenza ukuba uzive ukhululekile ngokwenza intlawulo encinane . Yonke into oyifunayo ukuyihlawula ukugcina ikhadi lakho lekhredithi ngokuma kakuhle . Uya kuphepha iifizi zokugqibela kwaye i-akhawunti yakho iya kubikwa njengangoku kwi-bureaus ye-credit.
Ukwenza iintlawulo ezincinci, nangona kunjalo, yindlela eyona nto yokuhlawula ibhalansi yakho. Xa wenza intlawulo encinci, kuya kuthatha ixesha elide kuninzi kwaye lixabise inzala. Ngokomzekelo, kuya kuthatha iminyaka engaphezu kwe-13 ukuhlawula ibhalansi ye-$ 1,000 kunye ne-15.9 epesenti yokuhlawula izinga lokuhlawula umyinge ubuncinane kwinyanga nganye, nokuba awuzange wenze naziphi na iindleko ezongezelelweyo kwikhadi lesikweletu.
Kutheni inkokhelo encinci ithatha ixesha elide? Kwenye, inxalenye enkulu yentlawulo encinci iya kuhlawula umdla kwi-akhawunti. Ngenxa yoko, ibhalansi yakho ihla ngexabiso elincinci. Okwesibini, yindlela indlela encinci yeentlawulo ezibalwa ngayo. Uninzi lwamakhadi zekrediti zibala ubuncinane bentlawulo njengepesenti yemali ekhoyo. Njengoko ibhalansi yakho ihla, kunjalo nenkokhelo yakho encinci. Kulula ukuba wenze inkokhelo encinci, kodwa ke, ixabiso elincinci lenkokhelo yakho liya ngqo ekuhlawuleleni ibhalansi ye-akhawunti.
Ukufumana ibhalansi yekhadi lekhredithi ephakamileyo kufuna ukuba uhlale wenza iintlawulo ezinkulu kwi-balance balance. Cinga imali eyi-$ 1,000 ekhankanywe ngaphambili. Ukuba wenza i-R5050 iintlawulo zenyanga kwinqanaba leenyanga, nakanjani, uya kuba ne-balance balance paid in 2 years. Iminyaka eyi-11 ngokukhawuleza kunokuba uhlawulise ubuncinane. Uya kusindisa amakhulu amakhulu eedola.
Ufuna ukwazi ukuba uza kuthatha ixesha elingakanani ukuhlawula ibhalansi yakho xa uhlawula ubuncinane? Khangela ikopi yakutshanje yesikhokhelo sekhadi lakho lesikweletu . Abaniki bamakhadi bamakhadi kufuneka baxelele inani lemali kunye nenani elipheleleyo oya kulihlawula xa wenza kuphela intlawulo encinci. Isitatimenti sakho siya kufaka isixa-mali oza kuhlawula nganye ngenyanga ukuhlawula ibhalansi yakho kwiminyaka emithathu.
Ukujongana nokulingana kwamakhadi aphezulu a matyala akulula, kodwa ukuba unomdla kwaye uhambelana nokuhlawula ngaphezu kokuncinci kukuvumela ukuba uhlawule ibhalansi yakho yekhadi lesikweletu. Emva kokuba uhlawule ibhalansi yakho, yenza umkhuba wokuhlawula ibhalansi yakho yekhadi lokuthenga ngetyala ngokupheleleyo inyanga nganye kwaye uya kuphepheka ukunamathela kwenye ibhalansi yekhadi lekhredithi engenakulungiswa.