Ngaphambi kokuba ukhethe ikhadi lekhredithi, fumana iimpendulo kwimibandela embalwa ebalulekileyo.
Iimpendulo kule mininzi yale mibuzo zingabonakala ekudaleni kufakwe isicelo sekhadi lesikweletu.
Luhlobo luni lwamakhadi?
Kukho iintlobo ezahlukeneyo zamakhadi-mboleko ozokhetha kuzo: amakhadi athengiweyo rhoqo, ahlawula amakhadi esikwereti , kunye namakhadi okuthenga ngetyala, ukubiza amagama ambalwa. Qonda uhlobo luni lomakha owenza isicelo ngaphambi kokuzalisa isicelo.
Uzakusebenzisa njani ikhadi lekhredithi?
Ngaba uceba ukuhlawula ibhalansi yakho ngokugcwele inyanga nganye? Ukuba kunjalo, ikhadi lokuthenga linokuba yinto ekhethekileyo. Okokuba ngaba unetyala elihle kakhulu elifunekayo ukuze ufanele ukufumana ikhadi lokuthenga. Ngaba uya kusebenzisa ikhadi lakho lokutshintshela ibhalansi ? Kufuneka ujonge ikhadi enezinga elincinci lemali ekutshintshelweni kwemali. Ngaba ucwangcise ukuphatha ibhalansi ukusuka kwenyanga ukuya kwesinye? Ikhadi lekhredithi elinomlinganiselo omncinci wenzalo ulungile.
Iyiphi intlawulo yepesenti yonyaka?
Ipesenti yepesenti yonyaka , okanye i-APR, ipesenti esetyenziswe kwimilinganiselo oyithwala ngaphaya kwexesha lobabalo.
Ukuphakama kwe-APR, iphakamileyo imali yakho iya kuba xa ufumana ibhalansi ejikelezayo kwaye uya kuhlawula xa usebenzisa ikhadi lakho lesikweletu. Uninzi lwamakhadi akhredithi ahlukeneyo ngo-APR ukuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali. Qinisekisa ukuba uyazi i-APR nganye.
Kuze kube nini ixesha lobabalo?
Ixesha lobabalo lixesha lexesha kufuneka uhlawule ibhalansi yakho ngokupheleleyo phambi kokuba ihlawulwe imali yentlawulo.
Ixesha lidlalwa kwiintsuku ukusuka kumhla wokuhlawula, oko kukuthi "iintsuku ezingama-28 ukusuka kumhla wokuhlawula." Ixesha elide lobabalo lilunge kuba likunika ithuba lokuhlawula i-bill yakho ngaphandle kokufaka iindleko zokulungeleka ukusebenzisa ityala. Ukuba usunayo ibhalansi kwikhadi lesikweletu, ukuthenga okutsha kungenakho ixesha lobabalo.
Ziziphi iirhafu?
Kufuneka ukwazi inani lemali ehlawulwayo kunye neemeko apho iifowuni zisetyenziswa khona. Iintlobo eziqhelekileyo zemirhumo ziquka umrhumo wonyaka, umrhumo wexesha elide, kunye nemali engaphezulu kwemida. Unokuphinda uhlolwe iirhafu zokuhlawula i-akhawunti yakho kwifowuni ngomhla ofunekayo, ucele iikopi ezongezelelweyo zesitatimenti sakho, okanye ukukhangela isheke lakho libuye.
Ihlawulwa njani imali yentlawulo?
Indlela yenkampani yekhadi lesikweletu yokubala ixabiso lezemali linempembelelo kwisixa semali. Ezinye iindlela ziqwalasela ukulinganisela kwenyanga ekhoyo nje ngexa abanye beqwalasela i-balance balance months. Ukuthengwa okutsha kunakho okanye kungabandakanywa ekubaleni.
Yintoni umda wesikolodo?
Umda wesikweletu uthonya amandla akho okuthenga. Ukuba unomtsha kwi-credit, kulungile ukuba uqalise umlinganiselo wekredithi ophantsi ukuze ujwayelane nemikhwa yekhadi yesikweletu.
Ezinye izimo zezemali zivumela umlinganiselo wesikweletu ophezulu. Qaphela ukuba akukho mkhadi wesikweletu esingekho-mali kuba ngamanye amaxesha ibonakala ibhekiswe kwi-credit report yakho. Oku kunokuba nemiphumo emibi kumanqaku akho ekwereta.
Ziziphi iimvuzo?
Amanye amakhadi ekhredithi anika imivuzo ngokusebenzisa ikhadi lakho lesikweletu. Qinisekisa ukuba uyazi ngokupheleleyo isakhiwo somvuzo kunye nokuthenga okufunekayo ukufumana umvuzo