UkuBaliswa kweeMali ngeeTyala ngokuSebenza ngokuLungiswa kwakho
Abaniki bamakhadi bekhadi basebenzisa enye yezindlela ezininzi zokubala iintlawulo zenu zemali - umrhumo ohlawulayo xa uqhuba ibhalansi kwikhadi lakho lesikweletu. Zonke iindleko zezemali zisekelwe kwibhalansi yakho kunye nenzala yakho. Iinkqubo ziyahluka ngendlela indlela umniki wekhadi lokuthenga ngetyala ebala ngayo ibhalansi ngaphambi kokufaka umdla. Ukukwazi indlela yokubala yemali yekhadi lakho kungakunceda uqonde indlela yokunciphisa iindleko zakho zezezimali, ngokuhlawula kwangaphambili kwisijikelezo sokuhlawula kwezinye iimeko.
Umnikeli wakho wekhadi lokuthenga ngetyala uthetha indlela yokubala yemali njengemilinganiselo yenkampani. Unokufumana ukuba iyiphi indlela umthengisi wakho wekhadi lokuthenga ngekhredithi usebenzisa isivumelwano sakho sekhadi lesikweletu, ufunde umva we-credit card yakho, okanye ngokubiza umnini-khadi wakho.
Indlela indlela yokulinganisela ibhalansi isebenza ngayo
Indlela yokulinganisela ibhalansi yokubala imali yakho yebhanki isebenzisa ibhalansi yangaphambili ukusuka ekupheleni komjikelo wakho wokugqibela wokuhlawula kwaye ususe nayiphi na intlawulo kunye neengxowa-mali ezenziwe ngexesha lomjikelezo wokuhlawula . Iindleko ezitsha ezenziwe ngexesha lomjikelo wenkokhelo aziqhelwanga kwi-balance balance. Ireyithi yexesha, inzala yakho yenzalo ephukile phantsi kwesiseko sakho sokuhlawula, isetyenziswe kwibhalansi ehlengahlengayo ukubala ixabiso lezemali.
Nasi umzekelo wendlela yokuhlawulwa kweemali zakho eza kubalwa ukuba umniki-khadi wakho wekhadi usebenzisa i-balance balance method.
| APR | 14% |
| Ixesha lexesha | 1.17% |
| Iintsuku kumjikelezo wokuhlawula | 30 |
| Ibhalansi yangaphambili | $ 1,000 |
| Intlawulo yosuku lwe-16 | $ 100 |
| Ukuhlawula umhla wama-20 | $ 50 |
| Ukugcina ibhalansi | $ 950 |
| Ibhalansi ehlengahlengisiweyo | $ 900 |
| Uhlawulo lwezeMali | $ 900 * .0117 |
| Uhlawulo lwezeMali | $ 10.53 |
Indlela yokulungelelanisa i-balance always gives you some of the grace of time on the new purchases. Ngenxa yokuba ukuthengwa okwenziweyo kumjikelezo wenkokhelo akukwenziwe kwi-balance yakho, awuyi kuhlawula umdla kubo xa uhlawula phambi komhla wokugqibela wesijikelezo sokuhlawula.
Uhlalutyo olulungisiweyo kunye nezinye iindlela zokubala
Kuzo zonke iinkqubo zokubala iintlawulo zezimali, indlela yokulinganisela ibhalansi ihlala ikhokelela ekuhlawuleni imali ephantsi kunazo zonke kubathengi.
Ngelishwa, a baninzi abakhupheli bekhadi bekhredithi basebenzisa le ndlela. Ininzi isebenzise ibhalansi yansuku zonke okanye indlela yokulinganisela yokulinganisela imihla ngemihla eqwalasela yonke intsebenzo eyenziweyo ngexesha lomjikelezo wokuhlawula kunye, kunye nokuthengwa okwenziwe ngexesha lomjikelo wokuhlawula kwezinye iimeko.
Ukuphepha ukuTyala kwezeMali
Unokuphepha ukuhlawula umdla ngokuhlawula ibhalansi yakho yekhadi lokuthenga ngetyala ngokupheleleyo inyanga nganye. Awuyi kubeka imali kuphela kwiindleko zezemali, uya kuphelisa nokuba unako ukuqokelela ityala lekhadi lesikweletu. Awukwazi ukuphepha ukuhlawula inzala kwimali engaphambili yemali, engathi ingaqala ukuqokelela iintlawulo zeemali ngokukhawuleza ngokwemiqathango yamakhadi akho.
Ukuba usunayo ibhalansi kwikhadi lakho lekhredithi, awuyi kukwazi ukuphepha ukuhlawulisa iintlawulo zezezimali uze ufikelele kwi-balance balance. Njengoko uhlawula ibhalansi yakho yekhadi lesikweletu, iindleko zakho zezemali ziya kunciphisa inyanga nganye de kube ixabiso lihlawulwe ngokupheleleyo.