Ukusebenzisa ikhadi lakho lekhredithi ngokuthenga kunye nezinye iintengiso, kufuneka zivule, zisebenze, kwaye zimi kakuhle. Ikhadi lakho lesikweletu lingasasebenzi kwaye ngoko lingenakwenzeka kwiimeko ezithile.
Kukho iindlela ezimbalwa ikhadi lakho lokuthenga ngetyala lingasebenzi. Ukuba awuzange usebenzise ikhadi lakho lesikwereti kwiinyanga eziliqela, okanye kwiminyaka yeshumi elininzi, umniki-khadi wekhredithi unokucima ikhadi lakho lekhredithi. Okanye, ukuba uthe wawa emva kweentlawulo zakho, amalungelo akho okuthenga anokumiswa.
Ikhadi lakho lesikweletu lingasasebenzi ngenxa yokuba iphelelwe yisikhathi kwaye awufumananga entsha.
Ikhadi lesikweletu elingasebenziyo liya kulahlwa xa uzama ukuyisebenzisa. Ngoko ukuze uzigcine unentloni kunye nephulo lokufumana inkokhelo yokuhlawula imali, khangela ukuba ngaba ikhadi lakho lekhredithi lisebenza ngaphambi kokuba ulisebenzise.
Qhagamshelana neNkonzo yoMthengi
Indlela elula yokucima nayiphi na umbuzo malunga nokuba ikhadi lakho lekhredithi lisasebenza yini ukubiza umnini-khadi wakho kunye nokubuza. Shayela inombolo kumqolo wekhadi lakho lekhredithi ukuze uxhumane nenkonzo yabathengi kwaye ummeli uya kuba nakho ukunika i-akhawunti yakho. Ngethuba uhlala kwifowuni, inkonzo yamakhasimende ingenza kwakhona ikhadi lekhredithi elingasebenziyo ukuze usebenzise ukuthenga ekhadini.
Zama ukuyisebenzisa
Ukuba, ngenxa yesizathu esithile, awufuni ukubiza inkonzo yabathengi, unokuvavanya isimo sakho sekhadi lesikweletu ngokusebenzisa oko ukuthenga. Ikhadi elinqatshiwe liza kuba ngumqondiso wokuba ikhadi lakho alisasebenza, kodwa lithetha ezinye izinto, umz. Ikhadi liphelelwe yisikhathi okanye ufikelele umda wakho wesikweletu.
Kuqiqile ukuphatha indlela yokuhlawula imali kwikhredithi yakho kuphela xa uxolisa malunga nekhadi lesikweletu elingasebenzi.
Kuthekani ukuba ulahlekile okanye ulahlekise ikhadi lekhredithi ixesha elidlulileyo kwaye awukhumbuli inombolo yekhadi lesikweletu? Unokufumana inombolo yomniki wekhadi kwiwebhusayithi yakho kwaye ubanike inombolo yakho yokukhusela yoluntu ukufumana i-akhawunti yakho.
(Qinisekisa ukuba uye kwiwebhusayithi elungileyo ngaphambi kokuba unike ulwazi lwakho lomntu.) Umnikeli wekhadi unokuthumela ikhadi lokuthenga ngetyala xa i-akhawunti yakho isasebenza.
Hlola iNgxelo yakho yeMali
Ekugqibeleni, ingxelo yengxelo yakho yemali ingakunika ingcamango malunga nesimo sakho sekhadi lesikweletu. Abaxhasi bekhadi lokuthenga ngekhredithi ngokubanzi baxela isimo sekhadi lekhredithi kwii-credit bureaus ngenyanga leyo. Ukuba ikhadi lakho lekhredithi livaliwe, ingxelo yakho yekhredithi iya kubonisa loo nto. Kodwa ke akuyi kukuxelela ukuba kutheni i-akhawunti yakho ivaliwe. Uya kufuneka uqhagamshelane nomnikeli wakho wekhadi lokuthenga ikhredithi ukuze ufumane olo lwazi.
Yintoni ongayenza Ukuba iKhadi lakho lingasebenzi
Ezinye iikhadi zamatyala ezingasebenziyo ziyakwenziwa kwakhona ngokubiza umnini-khadi wakho umthengi kwaye ucele. Unokufuneka ufikelele kwi-balance balance before you will be allowed to use your card card. Ngelishwa, ukuba ikhadi lakho livaliwe ngokupheleleyo, awukwazi ukuyivula kwakhona, ingakumbi ukuba ivalwe ngenxa yokugqweba.
Hlola ukulinganisela kwakho kunye neNgeniso efumanekayo, Njalo
Emva kokuba uqinisekisile ikhadi lakho lekredithi lisasebenza, kufuneka ukwazi ukuba unako ukuhlawulisa kangakanani. Cela umniki-khadi wakho wekhredithi okanye uhlole i-akhawunti yakho ye-intanethi yakho kwibhalansi yakho kunye nenkokhelo ekhoyo ngaphambi kokwenza nayiphi na into yokuthenga.
Ngaloo ndlela unokuqiniseka ukuba awugqithisi umda wakho wekhredithi okanye usengozini yokuba ikhadi lakho lehlile.
Usenokwenza uxanduva lokufumana iintlawulo ezincinci rhoqo kwibhalansi yakho, nokuba ngaba ikhadi lakho lesikweletu alisebenzi. Ukungaphumeleli kweentlawulo zekhadi lakho lekredithi kunemiphumo emibi, kuquka imirhumo yokugqibela kunye nomonakalo kumanqaku akho.