Yenza Indlela Yakho KwiNgxowa-mboleko Engalunganga kwiNgxelo Efanelekileyo
Ukukrazula ingxelo engafanelekanga yeengxelo zemboleko kunye nokufikelela kwixesha elidlulileyo ngenxa yeebhilile yindlela efanelekileyo yokuqala ukuhlaziya iitaliti ezimbi. Ukwandisa amanqaku akho kwinqanaba eliphakamileyo ngokwaneleyo ukuze ufumane imvume yamakhadi-mboleko kunye neemali-mboleko kwaye ufanele ukufumana amanani omdla angcono, uya kufuneka uhambe ngaphaya kwamanqanaba okuqala. Uya kufuneka unikwe ubungqina kubathengi abatsha nababolekisi ukuba unokusingatha i-credit ngokuyimfanelo kwaye awuyi kulungelelaniswa kwezicelo ezintsha xa uvunyiwe.
Ukuqalisa kwakhona ukwakha i-credit yakho kunokuba nzima, kodwa xa ukhawuleza, uza kugqiba indlela yakho ukuya kumanqaku omvuzo.
Qala ngokufumana iiNkcazo zeNkcitho ezintsha
Ukuba i- credit card ayikushiye ngaphandle kwekhadi lamakhredithi, kufuneka ufumane ubuncinane i-akhawunti entsha. Abantu abaninzi bafungela amakhadi ekrediti emva kokuba ikhredithi embi isaba ukuba amakhadi amatyala amasha aya kubangenisa kwakhona ingxaki. Nangona kunjalo, ukuphepha ikhadi lesikweletu kwenza kube nzima ukuhlaziya i-credit yakho. Ukusebenzisa ikhadi lekhredithi ngendlela echanekileyo kuya kukunceda ukuseka imbali yentlawulo efanelekileyo kwaye ikubeke kumzila wokukwakha umlinganiselo wekhredithi engcono.
Ukuba nomlinganiselo ophantsi wekhredithi kwenza kube nzima ukufumana imvume kwikhadi lesikweletu ukusuka kwibhankini enkulu. Ngethamsanqa, unokhetho oluthile.
- Ivenkile yokuThengisa okanye iKhadi lokuTyala leGesi
- Ikhadi leMatyala eliKhuselekileyo
- Bhanki Yakho Yasekhaya okanye i-Credit Union
- Amakhadi aMatyala ngeeMali eziMatyala
Ungafaki izicelo zamakhadi amaninzi kwangoko.
Isicelo ngasinye sichaphazela amanqaku akho esikweletu, okwenza kube nzima ukufumana imvume kwenye i-akhawunti.
Nangona ukhangele ikharityhulam entsha, qaphela amakhadi e-credit-subprime aphangwa ngabantu abanekhredithi embi. La makhadi e-credit card anamaxabiso amanqanaba aphezulu kunye neemali eziphezulu kakhulu ezenza i-credit engenakulungiswa.
Uninzi lwabantu luzifumana ngokuchanekileyo emva kwetyala kunye nenkokhelo eyonakalisiwe emva kokuzama ukwakha enye yeentlobo zamakhadi-mboleko .
Kufuneka uphephe amakhadi ekhredithi ehlawulwa ngaphambili njengendlela yokwakha kwakhona i-credit card. Ngelixa unokufumana ikhadi lekhredithi ehlawulwa kuqala kungakhathaliseki ukuba yimbali yakho yembali , ayifaki ingxelo kwiivenkile zemali-mboleko- kuba azikho amakhadi esikweletu. Kungakhathaliseki ukuba unoxanduva kangakanani, usebenzisa ikhadi elihlawulwe kuqala akuyi kunceda inkokhelo yakho.
Kubalulekile ukujongana nokukhanyela ngendlela efanelekileyo. Ukuba isicelo sakho sekhadi lesikweletu siyanqatshelwe, musa ukufaka izicelo zamakhadi-mboleko. Endaweni yoko, linda ukufumana ileta kwi-imeyile ekwazisa izizathu ezithile ezichasweyo. Ukuguqulwa kwakho kungabi nantoni na kumanqaku akho ekhredithi, kodwa ingaxhamla kwenye into, njengenzuzo yakho.
Ukwakha Izenzo Zentengo Engcono
Njengoko ilizwi lisithi, "Ukuba wenza oko uhlala uyenzayo, uya kufumana oko uhlala uhlala khona." Ukwakha i-credit entsha, kufuneka ubeke endaweni yakho yokusebenzisa imali ngokulimala ngezinye izinto ezintsha, ezingcono. Ngaphandle koko, uya kugcina emva apho usebenze nzima ukuze ubaleke.
Kukho iintsuku zokuhlawula izinto ongeke ukwazi ukuzihlawula, ukuhlawula ubuncinci, kunye nokuhlawula iirhafu zekhadi lesikweletu.
Ukuphucula umlinganiselo wakho wekhredithi kuthetha ukuhlala kakuhle phantsi kwekhawuntyala yakho kunye nokuhlawula iibhilidi zekhadi lakho lekredithi ngexesha, ngokukhethekileyo ngokupheleleyo.
- Imibuzo kunye neNtshukumo yokuSebenzisa iNgxowa ngokuhlakanipha
- Ukuhlawula kuphela Into onokuyenza
- Iindlela ezi-5 zokwakha iNgxelo Yemali Yemali
Khumbula, imichimo yakho embi iholele kwisikwere esibi. Ukuphucula indlela yokuchitha imali kwaye uya kuphucula amanqaku akho.
Hlawula konke ngexesha
Imbali yokuhlawula yinto ebaluleke kakhulu yokwakha i-credit yakho. Nangona intlawulo engabonakaliyo rhoqo kwi-akhawunti yakho ye-credit, iyakwazi ukuphefumula apho ukuba uswele emva kweentlawulo. Gwema ulwaphulo-mali nakweyiphi na i-akhawunti, nakwiincinci ezinjengeentlawulo zeelayibrari, ukutya kwasemini, kunye neendleko zonyango. Amashishini amaninzi asebenzisa i- arhente yokuqokelela ukulandelelana kwiakhawunti yabathengi abangakhokhelwa. Ukuba enye yeakhawunti yakho iya kwiiqokelelo, iyakubhalwa kwiivenkile zemali-mboleko kwaye iya kuhlala kwingxelo yakho yekredithi iminyaka eyisixhenxe.
Kuya kubonakalisa yonke inkqubela oyenzile ngoku.
Faka iNtyala engekho ngeNtlawulo efanelekileyo
Ukuba umkhwa wenene ukwenza ufezekise, isinyathelo esilandelayo kukuba usebenzise iimpawu zakho zeentengo zemboleko . Ikhredithi yakho embi ayiyi kuphucula de uze ubonise ababolekisi bakho ukuba unokwenza ntoni ukudala amanqaku amahle . Oko kuthetha ukuhlawula kuphela oko unokukwazi ukuhlawula kunye nokuhlawula i-bill yakho ngexesha nganye ngenyanga. Ngethuba lexesha lokuvuselela, musa ukuthatha amakhadi amaninzi ematyala ngenxa yokuba kunzima ukulawula izilinganiso zakho kunye neentlawulo. Enye okanye ezimbini zamakhadi zesikweletu zininzi ukuze uqalise.