Amakhadi eemboleko analo idumela elibi kangangokuba abaninzi abantu abanakuqwalasela ukusebenzisa ikhadi lekhredithi yonke into. Kodwa, kukho ezinye iinzuzo ezenza usebenzisa ikhadi lakho lesikweletu njengendlela yakho yokuhlawula eyona nto ixabisa ngayo.
Ukusebenzisa ikhadi lakho lesikweletu (ngokufanelekileyo) liphucula umlinganiselo wakho wekhredithi . Ukusetyenziswa kwekhadi lokuthenga ngetyala kuyakunceda ukuba wakhe umgangatho omhle wekhredithi. Emva kweenyanga zokusebenzisa ikhadi lakho lekhredithi kwaye uhlawula ibhilikhwe ngexesha, i-credit rating yakho iya phezulu kwaye iphakamileyo ikuvumela ukuba ufanele ukufumana ixabiso lentlawulo ephantsi kakhulu kumakhadi amatyala kunye nemboleko.
Izinzuzo
Ufumana umvuzo omkhulu . Iintlobo zokusebenzisa ikhadi lakho lekredithi yonke into iyanda xa usebenzisa ikhadi lekhredithi elivuzayo . Unokukronga amakhulu ngamanqaku emali, iimitha, okanye amaphuzu ngokusebenzisa ikhadi lakho lesikweletu ngeendleko zakho zenyanga. Ewe, ukuba ikhadi lakho lesikwerethi linomthwalo kwisixa semiphumo oyisebenzisayo, unokufuneka utshintshe kwelinye ikhadi ukuze ukwandise imivuzo onokuyifumana.
Ufumana ukhuseleko lokuthenga . Amakhadi okuthenga ngetyala anenani lezinto ezifanelekileyo , kuquka ukukhuselwa kokuthengwa okuya kuthatha indawo yokuthenga kwakho xa kuwonakele okanye kubiwe. Ukubanjwa kukuba kufuneka usebenzise ikhadi lakho lesikweletu ukuze ufumane inzuzo. Ukusebenzisa ikhadi lakho lesikweleti ngokuzenzekelayo kukunika ukhuseleko lokuthenga kuyo yonke into oyithengayo.
Ikhono lokuphikisana nokuthengiswa kunye nokuthintela intlawulo . Umthetho we-Federal unika ilungelo lokuphikisana neziphambeko zokubhalwa kwekhadi lokuthenga ngetyala, ngokubhaliweyo, kunye nokuyekelela ukuhlawulwa kwemali oye waphikisana ngexesha umniki wekhadi lesikweletu wenza uphando.
Awunakufumana inzuzo efanayo xa usebenzisa ikhadi lakho lokubambisa. Endaweni yoko, imali iya kuhanjiswa kwi-akhawunti yakho yasebhanki kwaye uza kufuneka unethemba lokubuyisela imali ukuze ubuyisele imali yakho.
Indlela yokwenza ukuba isebenze
Sebenzisa ikhadi elilodwa lekhredithi . Ukuhlawula yonke into ngekhredithi yemisebenzi yekhredithi isebenza kakuhle xa unomvuzo omnye wesikweletu kunokuba usasaze ukuthengiselana kwakho kumakhadi amaninzi ekwereta.
Ngaloo ndlela ufanele ukhathazeke kuphela ngokuhlawula ibhalansi yekhadi lesikweledu kunokuba ungaphezulu kweyodwa.
Qinisekisa ukuba unetyala elaneleyo . Ukusebenzisa ikhadi lakho lesikweletu ekuthengeni kwakho konke kudinga ukuba ube nomda wekhredithi omkhulu ngokwaneleyo ukuxhasa ngenkcitho yakho. Ukuba awukhokho okwamanje, qhubeka usebenzisa ikhadi lakho lekredithi ngokufanelekileyo ngokuthenga nokuzihlawula ngokugcwele kunye nexesha ngenyanga. Ngexesha, umnikeli wakho wekhadi lokuthenga ngetyala uya kukwandisa umda wakho wemali . Unokuhlawula kwakhona ikhadi lakho lekhredithi ngokuphindaphindiweyo ngenyanga leyo ukukhulula ikhredithi ukuze uqhubeke uchitha imali kunye nekhadi lakho.
Ungasebenzisi ikhadi lakho lokubambisa . Ukuba isicwangciso kukusebenzisa ikhadi lakho lesikweletu ngokuthenga kwakho konke, thabatha ikhadi lakho lokubambisa ngaphandle kokujikeleza. Yintoni eyenzekayo xa usebenzisa ikhadi lakho lokubambisa kukuba ukunciphisa ibhalansi kwi-akhawunti yakho yokujonga kwaye yenza kube nzima ukuhlawula ibhalansi yakho ngokugcwele.
Bhatala ibhalansi yakho ngokupheleleyo inyanga nganye ukuhlala ungena matyala. Ukushiya nayiphi na inxalenye yebhaleji yakho kuthetha ukuba uya kufuneka uhlawule umdla kwaye udonsa kwi-credit yakho okhoyo. Lo ngowomnye wemithetho ebalulekileyo ukulandela ukuba uceba ukusebenzisa ikhadi lakho lekredithi yonke into.
Ukwenza ukuba kusebenze
Kudinga ukuzinyameka .
Awukwazi ukuchitha kwintliziyo yakho nje ngokuba usebenzisa ikhadi lakho lesikweletu. Usadinga ukwenza uhlahlo lwabiwo-mali kwaye ugcine imali yakho kwixabiso elifanelekileyo.
Ezinye iinkampani zinokuhlawulisa intlawulo yokusebenzisa ikhadi lakho lesikweletu . Ufanele ukwazi ukuhlawula iindleko zakho ngekhadi lesikweletu. Nangona kunjalo, ezinye zazo zihlawulisa imali eyongezelelweyo yokusebenzisa ikhadi lakho lesikweletu. Kule meko, sebenzisa i-akhawunti yakho yokutshekisha kwezi zinto.
Awukwazi ukuhlawula ikhadi lekhredithi kunye nelinye ikhadi lekhredithi . Yona nto kutheni kubalulekile ukuba usebenzise ikhadi elilodwa lekhredithi yonke into ukuba ufuna ukulandela le cwangciso.