Qalisa ngeTyala
Ukuba uqala ukuqala ngekhadi lakho lokuqala lokuthenga ngetyala , phucula ngokukhawuleza. Musa ukuphuma kwaye msinya ukhuphe ikhadi lakho lekredithi. Enyanisweni, akufanele uphume ngaphandle kwekhadi lakho . Kunoko, yenza iintlawulo ezincinci kwikhadi lakho lesikweletu kwaye uhlawule ibhalansi ngokupheleleyo ngenyanga. Injongo yekhadi lekhredithi ayikuthengi izinto ongenayo imali, kodwa ukuqala ukwakha umlando weebhanki ezilungileyo kwaye ube nemikhwa efanelekileyo yekhredithi.
Enye indlela yokusetyenziswa kwikhadi lakho lekredithi kukusebenzisa ukubhaliselwa kwenyanga okanye enye ibhilidi ephindaphindiweyo, into ejikeleze i-$ 20 okanye ngaphantsi, kwaye uyihlawule inyanga nganye. Makube ngumyalelo kuphela owenzayo kwikhadi lakho lesikredithi ubuncinane kwiinyanga ezintandathu. Oku kuya kukufumana kumkhwa wokuhlala phantsi kwe-limit limit credit card yakho kwaye uhlawule ibhalansi yakho ngokupheleleyo nyanga zonke - imikhwa emibili eya kuba nefuthe elihle kumanqaku akho ekhredithi.
Ngaba Ukulungele Ukuthenga Okukhulu?
Emva kokuba udale umkhwa wokuhlawula i-bill yakho ngokugcwele, ulungele ukulungele ukusebenzisa ikhadi lakho lekredithi ngokuthenga okuncinci.
Qhubeka ugcina ukuthenga kwakho kuhla, i-30% yomlinganiselo wakho wesikweletu okanye ngaphantsi. Oko kuthetha ukuba ibhalansi yakho akufanele ihambe ngaphezu kwe-30 engama-card kwikhadi lekhredithi elinomda we-$ 100.
Xa wenza ukuthenga ngekhadi lesikweletu, faka intlawulo ngaphandle uze ungayisebenzisi phambi kokuba i-bill yakho ifike. Emva koko, xa lixesha lokuhlawula imali yekhadi lakho lekhadi lesikweletu, sele ulungele ukuhlawula.
Unokwenza kwakhona ikhadi lokuthenga ngetyala ngekamva emva kokuthenga, nokuba ngaba ibhajethi ayifakalanga okwamanje.
Emva kweenyanga eziliqela usebenzisa ikhadi lakho lekredithi ngendlela efanelekileyo, umboleki wakho unokwandisa umda wakho wemali, ukuvumela ukuba uhlawule ngaphezulu ekhadini lakho. Qhubeka uhlala kwisithuba se-30% somda wakho njengoko umda wakho ukwanda. Ukuba uqala ukusebenzisa ikhadi lakho lekredithi ngokungenakuqondakala, umnikeli wakho wekhadi lokuthenga ngetyala unokunciphisa umda wakho wesikweletu ngokukhawuleza.
Ziqhelise ukuzithoba
Ukusebenzisa ikhadi lekhredithi ngendlela efanelekileyo yokuziphatha. Uya kufuneka uzixelele "hayi" xa ufuna ukusebenzisa ikhadi lakho lekredithi ukuze uthenge kodwa awukwazi ukuhlawula i-bill yakho ngokupheleleyo ekupheleni kwenyanga. Yazi i- Dos ne-Don'tts of Use Credit .
Xa ubeka imali eceleni ukuze uhlawule ibhilikhi yekhadi lakho lekhredithi, qiniseka ukuba awuchitheli kwenye into phambi kokuba isitatimende sakho sekhadi lesikweletu sifinyelele. Thumela kwintlawulo yakho ngokukhawuleza ukuba ucinga ukuba uzakuhendeka ukuba uchithe intlawulo yakho.
Qala ngekhadi lekredithi elilodwa, ukuze ugcine iintlawulo zakho zilawulwa. Izilinganiso eziliqela kunye nemihla efanelekile zingabangela ukudideka kwaye kukukhokele kwiityala kunye namanqaku enkokhelo okonakele.
Kulula ukuqokelela amakhadi amaninzi ematyala, ngokukodwa xa abakhupheli bamakhadi beqhubeka bethumela ukunikezelwa kwekhadi lesikweletu.
Unokuyeka ukunikezelwa kwekhadi lesikweletu ukuze ungalingeki ukuvula amakhadi amatyala ekutsha. Ukuba ukhetha ukuphuma okwethutyana ngelixa usetyenziselwa ukuthenga ngetyala, ungakhetha ukungena kwixesha elizayo ukuphonononga amaxabiso angcono kumakhadi ekhredithi.
Ukujonga Umsebenzi Wakho
Uninzi lwamakhadi-krediti akuvumela ukuba ubuke umsebenzi wakho we-akhawunti kwi-intanethi. Ukuba ikhadi lakho lesikwerethi likunika lo mbono, bhalisa ukwenzela ukuba unokubheka ibhalansi yekhadi lakho lesikweletu kwaye uhlawule ibhilikhi yakho kwi-intanethi. Unokwazi ukubhalisela izitatimenti zokukhokha ezingenaphasi , ezikuvumela ukuba ufumane ingxelo yakho kwi-intanethi endaweni yeposi. Abanye abantu bafuna isitatimende sekhadi lesikweletu sokubakhumbuza ukuba benze i-card credit card yabo. Musa ukubhalisela ukuhlawulwa kwe-paperless ukuba ungomnye walabo bantu.
ISicwangciso soNgeke uhlawule ngokupheleleyo
Kukho iinyanga ezinokuthi iindleko ezingalindelekanga zikugcina ekuhlawuleleni ibhalansi yakho ngokupheleleyo.
Ngethuba leenyanga, yenza ubuncinane imali yentlawulo kwaye ungakhuliseli ibhalansi yekhadi lakho lesikweletu ngokwenza iindleko zamakhadi ezithengiso.
Ukuba uyazi ukuba unayo imali yokuhlawula ibhalansi yakho yekhadi lesikweletu, faka ikhadi . Ungayisebenzisi de uze ukwazi ukuhlawula iintlawulo ezintsha. Le yinzuzo yokuhlawula ibhalansi yakho ngokupheleleyo - akufanele uxhalabele ngokugcina umlinganiselo ukuba imali yakho ingenayo okanye ezinye iindleko zanda.
Ukwakha umgangatho omhle wamatyala kuthatha ixesha ukuze ungazami ukukhawuleza. Sebenzisa i-credit ngokufanelekileyo kwaye amanqaku amanqaku aphezulu atyala. Ukuba uqala ngemikhwa eninzi yemali, awuyi kuba nomsebenzi onzima wokulungisa amanqaku akho kwirejista kamva.