Ukufakela ngekhadi lakho lamakhadi-ngetyala, kuyinto engokwemvelo ukuzibuza ukuba uninzi kangakanani. Okanye, ukuba ucinga ukuvula ii-akhawunti ezintsha zekredithi, ufuna ukuqiniseka ukuba elinye ikhadi lekhredithi aliyi kuchaphazela i-credit yakho. "Mangaphi amakhadi esikwereti kakhulu?" Ngenye yemibuzo engenawo ubukhulu obufanayo-yonke inhlobo yempendulo, kodwa kukho iindlela ezimbalwa ongayigweba ngazo ukuba unamakhadi amaninzi kuwe.
Unomlinganiselo ophezulu weMali-kwi-Income
Xa ababolekisi bavavanya isicelo sakho sembolekiso , bajonga ingxowa ekhoyo njengethuba lokutyala. Bangakwazi ukubala inani lakho lemali-kuya-ngeniso njengokungathi amakhadi akho ekhredithi ayethatyathwa ngokupheleleyo ukuba akulinge kwizinga lakho leetyala elingenakho. Unokwenza uqikelelo olufanayo lwe-DTI. Ukuba udibanisa amakhadi akho okwereta, ingaba i -rate-to-revenue income yakho ibonakala ngathi? Ngaba ingaba ngaphezu kwama-37%? Ukuba kunjalo, kufuneka ucinge ngokuvala ezinye zeakhawunti zakho zekhadi lesikweletu ezingasetshenziswanga, ngokukodwa ezitsha kunye ne-$ 0 ibhalansi.
Unetyala eliphezulu
Ukusetyenziswa kwetyala lakho (30% yemali yekredithi yakho) kubonisa ukuba unetyala elingakanani. Kubalwa njengetyala lakho lilonke lihlukaniswe ngetyala lakho elipheleleyo. Ngoko, umzekelo, ukuba imali yekhadi lakho lekredithi lilonke li-$ 5000 kunye neebhalansi zakho zekhadi zekredithi ezingama-$ 2000, ngoko ukusetyenziswa kwetyala lakho ku-40%. Ngokufanelekileyo, ukusetyenziswa kwakho kwetyala kufuneka kube ngaphantsi kwe-30%, ngaphantsi kwe-10% kulunge ngakumbi kumanqaku akho.
Ngaphezulu kwamakhadi eentengo zemali, isilingo esininzi sokwenza ngayo. Njengoko iibhalansi zakho zamakhadi ezikwereti ziyakwandisa ukwenzela ukuba i-credit card isebenzise. Enye indlela yokugcina i-credit yakho isebenzise ukunciphisa inani lamakhadi-mboleko onayo kunye ne-balance balance you carry on those cards.
Awunawo amava kunye nezinye iintlobo zemboleko
Ukudibanisa ngetyala kukunye umlinganiselo wekredithi obandakanya inani lamakhadi-mboleko.
Ukubalwa kwamanqaku ekhredithi kubhekisela kuzo zonke iintlobo zeakhawunti onayo kwifayili yakho yekredithi ukucacisa ukuba unamava amaninzi eentlobo ezahlukeneyo zeakhawunti zetyala. Ukuba unamakhadi athile eentengo zemboleko, kodwa akukho naziphi iintlobo zee-akhawunti, umlinganiselo wakho wekhredithi unokuchaphazeleka, kodwa kungenakwenzeka. Emva koko, udibaniso lwekhredithi ngu-10% kuphela wemilinganiselo yakho yekhredithi.
Unzima ukulawula iiKhadi zakho zeMatyala
Ukuba unamakhadi amaninzi kumatyala aya kukuchaphazela ukukwazi ukulawula iintlawulo zakho . Kufuneka ukwazi ukulandelela amakhadi akho ekwerethi, kuquka intlawulo ngenxa yemini , inzala , iirhafu kunye neentlawulo ozenzileyo. Kulula kakhulu ukulawula amakhadi akho ekwereta xa unabalwa kuphela kubo - nje phakathi kweyodwa ukuya kweyesithathu. Kuba nzima kunokuba inani lamakhadi-mboleko lidlula ezintlanu. Sekunjalo, kuxhomekeke kumandla akho okulawula amakhadi akho ekwereta.
Imiqondiso Unayo Amaninzi Amakhadi Eemeko
Ukuba uqala nje ngekhredithi okanye ukwakha i-credit yakho , ikhadi lekredithi elaneleyo. Ufuna amava aphumeleleyo ekulawuleni ikariti enye yekrediti phambi kokuba uthathe uxanduva olongezelelweyo lwemali. Njengoko ufumana amava aphumeleleyo kwaye ucinge ngokuvula amakhadi ezongezelelweyo zekredithi, cinga malunga nokukwazi kwakho ukuhlawula nokulandelela amakhadi wakho ekwereta.
Ukuba uqaphela ukuba ulawulo lwakho lwekhadi lokuthenga ngetyala luphuma ngaphandle kolawulo, luphawu lokuba unamakhadi amaninzi kumatyala.