Abaniki bamakhadi eemboleko kufuneka, ngomthetho, ukuba uthumele isitatimenti sakho sekhadi lesikweletu semali ubuncinane iintsuku ezingama-21 phambi kokuba inkokhelo yakho encinci ihlawulwe. Izitatimenti zokuhlawula imali zidla ngokuba ngamaphepha angama-1-2 ubude kodwa unamaxwebhu agcwele eenkcukacha malunga neentlawulo zakho, ubuninzi obuhlawulele kunyaka odlulileyo, yintoni inkokhelo oyifunayo ukuyifumana, kunye nomhla wokuhlawula kwakho kufuneka ufunyenwe ukuze ugweme izigwebo.
Isitatimende sakho sekhadi lesikweletu siya kuza kwi-imeyile, kodwa ukuba ukhethe ukufumana izitatimende kwi-intanethi (iifayile ezingenayo i- paperless billing statements ), kuya kufuneka ungene kwiwebhusayithi yakho yomthengisi wekhadi lokuthenga ikhredithi ukuze ukhangele ingxelo yakho.
01 Isishwankathelo seAkhawunti
Iinkcukacha zesishwankathelo zeakhawunti zinikezela ngokugqithiseleyo kwimeko yeakhawunti yekhadi lesikweletu. Apha uya kufumana ibhalansi yakho yangoku, imirhumo kunye nenzala ehlawulwe ukususela kwisitatimende sakho sokugqibela sokubhatala, inani lemali-mboleko okhoyo, kunye nomhla wakho wokuvala umjikelo. Iintlawulo kunye neentengo ezithunyelwe kwi-akhawunti yakho emva kokuba umjikelo wokuvalelwa uvale awuyi kubonakaliswa kule nkcazo yekhadi lesikweletu. Nangona kunjalo, ukuba ungena kwi-akhawunti yakho ye-intanethi, loo mali ibonisa ngokuqhelekileyo umsebenzi wakho wamuva. Ngokuqhelekileyo icandelo lokuqala kwikharityhulam yakho yekhredithi kuba iqulethe enye yeyona nkcazelo ebalulekileyo.
02 Ulwazi lokuhlawula
Icandelo lolwazi lokuhlawula linye inxalenye ebalulekileyo yesitatimende senkokhelo yekhadi lokuthenga ngetyala ngenxa yokuba ubhala intlawulo omele uyenze ukuze ugweme ukuhlawulwa kwexesha.
Eli candelo liquka inkokhelo yakho encinci kunye nentlawulo yosuku olufunekayo. Ukuba uhlawula ngaphantsi kokuncinci okanye imali yakho ifunyenwe emva komhla ofunekayo, unokuhlawulwa umrhumo wexesha elifutshane, yenza ukuba inzala yakho inyuke (ukuba uneminyaka engama-60 okanye ngaphezulu kwexesha elide), kwaye ube ne-credit bureaus yaziswa hlawulwa kwexesha. Ukubhalwa kweengxelo zokuxwayisa ngokukhawuleza kuchaza ngokukodwa oko kuza kwenzeka ukuba intlawulo yakho ifike.
03 Isixwayiso sokuhlawula emva kwexesha
Abakhupheli bekhadi lokuthenga ngamatyala kufuneka bafake isilumkiso sexesha lokugqibela emva kweengxelo zentlawulo. Eli candelo libonisa imiphumo yokuthumela intlawulo yakho emva kwexesha elizayo, oko kukuthi, emva kwe-5 ntambama ngomhla wokuhlawula. Uya kufumana isixa semali ebekwe emva kwexesha kunye nezohlwayo zika- APR eziya kwenziwa xa ungenzi inkokhelo encinci ngomhla ofunekayo.
Hlalani nikhumbule isilumkiso sokuhlawulwa kwexesha elide sifakwe kuwo onke amaphepha enkcazo yebhanki kungakhathaliseki ukuba yintoni imeko yokuhlawula ngoku; akuthethi ukuba wenze into ephosakeleyo. Ukuba ubude ufikelele kwintlawulo yangaphambili, inxalenye yolwazi lokuhlawula iya kubandakanya inani elidlulileyo lemali.
Iintlawulo zexesha elide zigqityiwe kumyinge weyona ntlawulo encinci okanye i-$ 25, okanye i-$ 35 engaphezulu xa ufike emva kwexesha lentlawulo ezintandathu ezidlulileyo.
Umniki wekhadi lomniki-mboleko akavunyelwe ukuphakamisa i-APR yakho kwizinga lesohlwayo ngaphandle kokuba unemihla engama-60 ekugqithisweni kwintlawulo yakho. Ngamanye amagama, uze ulahlekelwe iintlawulo ezimbini. Xa isantya sohlwayo sisebenza, siya kuhlala kuze kube yilapho wenze iintlawulo ezintandathu ezilandelelanayo ngexesha elifanelekileyo. Emva koko, kuya kuncitshiswa (ubuncinane) kwibhalansi yakho ekhoyo. Abanye abashicileli bekhadi lesikredithi bashiye isantya sohlwayo endaweni yokuthenga ezintsha ezenziwe emva kokuba isantya senzeke.
Isixwayiso sokuhlawula emva kwexesha asibandakanyi imiphumo yokubika ngetyala ngemali yokugqibela. Emva kokuba intlawulo yakho iyimihla engadlulanga iintsuku ezingama-30, ngenxa yexesha elidlulileyo ngenxa yesimo se-akhawunti ingaxelwa kwi-credit bureau. Emva kokuba uzisa i-akhawunti yakho yangoku kwakhona, isimo se-akhawunti siza kubonisa ukuba uthathwa kwiintlawulo, kodwa ingxelo yakho yekredithi iya kuqhubeka ukubonisa imbali yokubhalwa kwexesha lokugqibela emva kweminyaka eyisixhenxe.
ISaziso seNgcaciso seNcinane esingu-04
Abaxhasi bekhadi lokuthenga ngetyala banokufuneka bathumele isilumkiso esincinci senkokhelo kwikharenti yekhadi lakho lesikweletu. Olu bhengezo luchaza ukuba uza kuthatha ixesha elingakanani ukuhlawula ibhalansi yakho ukuba wenza kuphela intlawulo encinci. Uyakufumana kwakhona inani eliza kuhlawula - kuquka neendleko zenzalo - ukuba wenza inkokhelo encinci. Ibhokisi kufuneka idibanise intlawulo nganye yenyanga efunekayo ukuhlawula ibhalansi yakho kwiinyanga ezingama-36 (iminyaka emithathu) kunye nenani elipheleleyo oya kulihlawulela ukuba wenza loo ntlawulo.
Ukuba unquma ukwenza inkokhelo encinci emva kokufunda eli candelo, wenza oko ukwazi ukuba kuya kuthatha ixesha elide kwaye uza kugqiba ukuhlawula inani eliphakamileyo lomdla. Ibhokisi yesibini, ebonisa ukuhlawulwa kweminyaka emi-3, ikuvumela ukuba ukwazi inani lokulondoloza oya kufumana ngokunyusa inkokhelo yakho. Ungasebenzisa kwakhona i- calculator yokuhlawulwa kwekhadi lokuthenga ngetyala ukuze ufumane impembelelo yemali eyahlukeneyo yentlawulo okanye imali efunekayo yokubuyisela i-akhawunti yakho ngexesha elide.
Isaziso sokuKhuthaza ngeNtengo
Isitatimende sakho sokuthengisa i-credit card kufuneka sikunike iinkcukacha zoqhaqhelwano kwi-agency yeengcebiso ezingenasi-nzuzo onokuqhagamshelana nayo ukuba unenkathazo yokwenza iikhadi lakho lekhadi lesikweletu. Kungekudala ufumana uncedo olungcono.
Gcina ukhumbule ukuba ukucebisa ngeengxowa-mali kuyisisombululo esisigxina kwi-akhawunti yakho yokubuyisela amakhadi. Ukuba iingxaki zakho zezemali zithuba elifutshane, qala ukubiza umnini-khadi wakho umthengi ukuze ubone ukuba ungayenza umvuzo wakho emva kweentsuku ezimbalwa kwaye ugweme isohlwayo.
06 Iinguqulelo zeAkhawunti zenguqu
Naluphina utshintsho kwi-akhawunti yakho, njengemali yonyaka okanye inzala yenzalo eyandayo, iya kubonakala kwicandelo elikhethekileyo phambi kwetatimenti yakho yokubhatala. Ingxelo kufuneka ifake nomhla wokusebenza kwezi nguqu. Iinkcukacha malunga neenguqu zingaphinde zithunyelwe ngeendlela ezihlukeneyo, ke qiniseka ukuba ufunde zonke ezifakiwe zifakwe kwisitatimenti sakho kunye naluphi na unobumba obongezelelweyo ukusuka kumkhupheli wakho wekhadi.
07 Ikhuphoni yokuhlawula
Isitatimende sakho sekhadi lesikweletu siya kubandakanya isigqebhezana sentlawulo ongayifaka kunye nentlawulo yekhadi lakho lesikweletu. Ukuquka ikhuphoni kunceda inkqubo yokukhishwa kwekhadi lesikweletu kwaye usebenzise intlawulo kwiakhawunti echanekileyo. Cwangcisa isigqebhezana uze uyifake kwimvulophu kunye nentlawulo yekhadi lakho lesikweletu.
08 Izaziso zotshintsho zeekheli
Ukuba idilesi yakho ye-imeyile ishintshile, qiniseka ukuba umbolekisi uhlaziya iirekhodi zazo. Ngaphandle koko, izitatimende zekhadi lakho lekredithi liza kudilesi engalunganga. Khangela ibhokisi ebonisa idilesi utshintsho kwaye ubhale idilesi yakho entsha emva kwekhadi lakho lekhadi lesikweletu. Unokunika umnini-khadi wakho umnxeba ukuba ubazise idilesi yakho entsha okanye uyitshintshe kwi-intanethi xa iwebsite yekhredithi ye-credit card ikuvumela.
09 Idilesi yeNtlawulo yeNkokhelo yokuTyala
Ukuba usebenzisa i mvulophu ezayo kunye nesitatimenti sekhadi lakho lesikweletu, qiniseka ukuba idilesi yomthengisi wekhadi lesikweletu ibonisa ngefestile. Ngaphandle koko, inkokhelo yakho iya kudilesi engalunganga. Ukuba usebenzisa uhlobo oluhlukileyo lweemvulophu ngaphandle kwefestile, khuphela idilesi yokuhlawulwa kwekhadi lomthengi kwidipilophu entsha. Ungabhekisela kwakhona kule dilesi xa ukongeza umnikezeli wekhadi lokuthenga ngetyala njengomgcini kwi-bhanki yakho ye-bhanki ye-intlawulo yebhanki.
Qaphela ukuba abathengi banakho idilesi eyahlukileyo yokulungiselela iincwadi, njengengxabano yephutha lokubakho. Idilesi iya kuprintwa kwenye indawo kwi-statement statement, mhlawumbi ngasemva kwephepha.
10 Intsebenzo evela kwixesha elitsha lokuhlawula
Nika ingqwalasela esondeleyo kwicandelo lokuthengiselana kwintetho yakho yokubhatala. Qinisekisa ukuba zonke iintengiselwano kunye nezixa zichanekileyo kwaye zichaze iintlawulo zobuqhetseba okanye ezingagunyaziswanga kumthengi wakho ngoko nangoko. Kuphela ukuthengiselana kwimijelo yakho yokugqibela yokugqitywa kwenyanga kuya kubalwa. Jonga kwiingxelo zokubhengezwa zangaphambilini zentengiso. Intsebenzo eyenziwe emva komhla wokugqibela wexesha lokuhlawula iya kubonakala kwisitatimende sakho sokuthengisa.
Ukubalwa kwamanqaku ngenyanga
Inzala ibalwa ngokwahlukileyo kwimiba nganye yokulinganisela kwikhadi lekhredithi - ukuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali. IAPS yoPhuhliso kunye nokuphela kwayo kuya kubalwa kule candelo.
12 Inzala yonke kunye neentlawulo ezihlawulwe kulo nyaka
Isitatimende sakho sokuhlawula kufuneka sibandakanye inani elipheleleyo lemali kunye neentlawulo ozihlawulele kulo nyaka kwi-akhawunti yakho. Unokunciphisa inani lomdla ohlawulayo ngokuthi uthethathe inzala engaphantsi (mhlawumbi kunzima ukwenza) okanye ngokuhlawula ngokukhawuleza. Ezinye iirhafu ezingenakuziphepha, njengemali yonyaka, kodwa ezinye iirhafu, iimali ezithe wabuya kunye nemali yokupasa imali.
13 Imivuzo Isishwankathelo
Ukuba ikhadi lakho lekredithi liza neprogram yomvuzo , isishwankathelo sembuyekezo yakho iya kubonakala kwisitatimende sakho sekhadi lesikweletu. Eli candelo liza kubandakanya ukulinganisela komvuzo wakho, umvuzo owenziwe ngeli xesha, kunye nemali yemivuzo efumanekayo yokuhlengwa.