Ukubhalisela ikhadi lokuthenga ngetyala eliqhelekileyo livakala ngathi lifana nembono enhle ngelo xesha. Wena kunye neqabane lingathanda ukusebenzisa ikhadi lekhredithi ngeendleko ezidibeneyo. Okanye, unokufumana ikhadi lokuthenga ngetyala lokuncedisa umntwana ukuba akhe amanqaku ekhredithi . Ngelishwa, ngamanye amaxesha izinto zihamba kakuhle kwaye akusinceda ukugcina i-akhawunti edibeneyo ivulekile. Uhamba njani malunga nokuvala ikhadi lekhredithi elidibeneyo?
Ngaba Unokuvala iKhadi leKharityhulam elidibeneyo ngokulinganisela?
Ukuvala i-akhawunti yekhadi yekhredithi yekredithi kunokuba nzima ngakumbi ukuba i-akhawunti isenayo ibhalansi.
Abanye abashicileli bamakhadi ekhredithi bafuna ukuba ibhalansi ihlawulwe ngaphambi kokuba i-akhawunti ivalwe. Nangona umnikeli wakho wekhadi lokuthenga ngetyala kukuvumela ukuba uvale i-akhawunti ngokulinganisela, ibhalansi iya kufuneka ihlawulwe phantsi kwemigqaliselo yangaphambili-ubuncinci ubuncinane kufuneka buhlawulwe nganye ngenyanga.
Isinyathelo sokuqala kukuqhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ufumanise ukuba yimaphi amanyathelo okufuneka uyithathe ukuze uvale i-akhawunti kwaye ingaba ibhalansi kufuneka ihlawulwe ngaphambi kokuba uvale i-akhawunti. Oku kuya kukuxelela ukuba uqhubeke njani.
Ukuhlawula i-Balance Joint Credit Card
Ukuba uvala i-akhawunti yekhadi yekhredithi ngenxa yokuhlukana, ukucinga ukuba yintoni oyenzayo malunga nokulinganisela kunokuba nzima. Kufuneka ube ncinane ingxoxo enye yokugqibela malunga nendlela yokunyamekela ibhalansi.
Ababini benu kufuneka bavume ukuba ngubani ophethe uxanduva-mhlawumbi unoxanduva. Emva koko, beza nesicwangciso sokuhlawula ibhalansi kwiintlawulo okanye isamba semali xa kunokwenzeka.
Ukuba awukwazi ukufikelela kwisivumelwano, unokufuneka ufumane unxibelelwano okanye wenze isigqibo enkundleni. (Kwamanye amazwe, bobabini abatshatileyo banoxanduva lokulingana netyala elidalwe ngexesha lomtshato kungakhathaliseki ukuba ngubani owenzile.) Gcina ukhumbule ukuba, ngelixa inkundla inokuyalela omnye wenu ukuba ahlawule ibhalansi, umniki wekhadi lokuthenga ngetyala uyabamba zombini unoxanduva kwaye uya kulandela obabini kuwe nayiphi na ibhalansi engakhokhelwa.
Ukuba uthe waqhawula umtshato , thetha kummeli wakho malunga nendlela efanelekileyo yokusingatha iakhawunti yekhadi lesikweletu.
Ikhadi lekhredithi elidibeneyo lichaphazela iimbali zomntu weentengo zemboleko, ngoko ke nayiphi iintlawulo ezingekho phantsi ziya kuthintela zombini izikolo zakho zemali. Ukuba omnye umnini-akhawunti unxulumene, ungagqiba ukwenza zonke iintlawulo nokuba ungeyena owadala ibhalansi. Ngelishwa, le nto inokuphela kwendlela yokukhusela amanqaku akho. Unokwazi ukufaka ifowuni ukuze ufumane imali oye uyihlawula kwibhalansi.
Ukuba unethemba lokususa elinye lamagama akho kwi-akhawunti, cinga kwakhona. Awukwazi ukususa nje igama kwikhadi lokuthenga ngetyala, njengokuba unakho nge-akhawunti yomsebenzisi ogunyazisiweyo. Emva kokuba uvule ikhadi lekhredithi ndawonye, ​​unamathele kuyo, ubuncinci de ihlawulwe i-balance kwaye i-akhawunti ivaliwe.
Ukukrazula iBhalansi kwiKhadi leKhadi elidibeneyo
Ukuba umnikeli wakho wekhadi lesikweletu ufuna ukuba uhlawule ibhalansi ngaphambi kokuba uyivale, cela umthengisi wekhadi lesikweletu ukuba asuse amandla okuthenga ezintsha. Ngaloo ndlela, akukho namnye onokuyithengisa ukuthengwa komnye umntu kufuneka ahlawule. Unokukrazula imali kunye nexanduva lokubambisa ityala ngokukhawuleza.
Cinga ukutshintshela ibhalansi kwenye ikhadi lekhredithi egameni lakho ukuze uvale ikhadi lesikweletu ngaphandle kokulindela ibhalansi ekufuneka ihlawulwe. Ababini benu banokwazi ukwahlula i-balance xa ufikelele kwisivumelwano malunga nokuba ngubani omele uxanduva lokuba yeyiphi inxalenye yemali.
Xa ikhadi ine-balance balance, qha ga mshelana nomthengisi wekhadi lokuthenga ikhredithi ukuze uvale ngekhadi lesikweletu . Buza ukuba i-akhawunti ingabuyiselwa kwakhona kwisicelo seqela. Jonga ingxelo yengxelo yemboleko ukuqinisekisa ukuba i-akhawunti ivaliwe.
Yintoni eyenzekayo kwiNgxelo yakho yeMboleko
Ukuvala ikhadi lekhredithi elidibeneyo aliyi kususa kwi-akhawunti yakho yekredenti, kodwa nje kuphela xa i-akhawunti ivaliwe ngokuma kakuhle -ibhalansi ehlawulwa ngaphandle kweentlawulo ezikhawulezileyo - ayiyi kulimaza amanqaku akho. Uninzi lwezinto eziphathekayo ezinxulumene ne-akhawunti ziya kuhlawula ingxelo yakho yekredari emva kweminyaka eyisixhenxe.
Okwangoku, ukuhambisana neentlawulo zakho nokunciphisa inani lemali oyithathayo kuya kunceda ukukhusela amanqaku akho .
Unokuzibuza kwakhona indlela yokuvala i-akhawunti yokutshekisha .