"Ikheshi kuphela" yinto yemantra yabantu abaninzi abaye bafumana iingxaki zemboleko zangaphambili okanye babone abanye bejongana nemingeni enxulumene nekhredithi okanye inkohlakalo. Nangona usebenzisa ikheshi ekuthengeni kunezinye iinzuzo, kukho nezinye izizathu ezintle zokusebenzisa i-credit. Nantsi indlela ababethelwa ngayo.
Ukuzonwabisa
Amakhadi okuthenga ngetyala anika amandla okuchitha ngaphandle kokuphazamiseka kokuthwala imali. Ngaphezu koko, ngamakhadi-mboleko ungayithenga ngoku kwaye uhlawule ukuthenga kwiiveki ezimbalwa okanye ngaphezu kwexesha.
Awunayo loo ndlela xa usebenzisa imali yokuthenga kwakho. Ukuhlawula ngemali kuthetha ukuba awunakuze uhlawule umdla . Kodwa unokuphepha ukuhlawula umdla xa usebenzisa i-credit xa uhlawula ibhalansi yakho ngokupheleleyo ngaphambi kokuba ixesha lobabalo liphele.
Ukuchitha amandla
Ngenkcitho, ukuchitha imali yakho kukukhawulelana noko unakho. Amakhadi eitaliti, ngakolunye uhlangothi, anikezela ngamandla angaphezulu okuthenga ngaphandle kweengozi ezithwala ukulingana kwemali.
Ngakolunye uhlangothi, ukukhetha imali malunga nekhredithi kungaba yinto enhle. Ucwaningo luye lwabonisa ukuba abantu bathambekele ukuchitha ngaphezulu ngekhadi lesikweletu kunokuba bafumane imali. Ukusebenzisa imali ngokuthenga kwakho konke kunciphisa umngcipheko wokuya kwetyala.
INqanaba loMkhuseli
Umthetho wase-Federal kunye nemigaqo-nkqubo yokukhusela inkohliso yamakhadi-mboleko kukunciphisa uxanduva lwakho lweentlawulo zamatyala ezilahlekileyo okanye ezibiweyo kwikhadi lesikweletu. Umnikeli wakho wekhadi lokuthenga ngetyala uyakuthumela ikhadi elitsha lekhredithi-rhoqo nge nombolo entsha ye-akhawunti-ukufaka ikhadi elilahlekileyo ngokuqhelekileyo ngaphandle kweendleko.
Awunaso ukhuseleko olufanayo ngemali. Ukuba imali yakho ibiwe okanye ulahlekelwa isikhwama sakho, awukho kwintlekele kwaye ngaphandle kwayo yonke imali oyenayo. Uya kufuneka ubeke imali yakho.
Akukuphela nje ukufumana ukhuseleko lobuqhetseba xa usebenzisa ikhadi lokuthenga ngetyala, ukhuseleko kunye nezinto ozithenge kodwa akafumananga okanye izinto ozifumeneyo ezonakalisiweyo okanye ezingenakuhanjiswa njengoko zithembisiwe.
Ngenkcitho, ukhetho lwakho kuphela ukulungisa abo baphupha ngokukhawuleza kunye nomrhwebi. Amakhadi okuthenga ngetyala anika amandla okuphikisa ukuthengiselana ukuba umrhweba akayithinteli imbambano enelisekile.
Mivuzo
Uninzi lwamakhadi e-credit card uhlawula umvuzo kwi-card credit card. Unako ukufumana amaphulo ongawasebenzisa ekuthengiseni impahla okanye ukuhlala kweehotele, iikhilomitha ezingasetyenziselwa ezithengi zee-airline, kwaye zize zifumane imali.
Nangona iiprogram zembuyekezo zisebenza kunye nokuthengwa kwemali, zihlala zihamba ngomthengisi othile. Ngaphandle kwamakhadi eentengo zemboleko, umvuzo wekhadi lesikweledu ukhululeke kakhulu kunokuba umvuzo othembekileyo ngumthengisi.
Ukwakha iCredit Good
Ukusebenzisa imali ngempahla yakho yonke ayinakukunceda ukwakha amanqaku akho ekhredithi, inani apho amashishini asebenzisa ngaphezulu nangaphezulu ukwenza izigqibo ngawe. Isiseko esipheleleyo seengxelo zekhredithi sisekelwe ekusebenziseni kakuhle ukusebenzisa i-credit. Ukusebenzisa ikhadi lekhredithi-indlela efanelekileyo, eqinisweni-inceda ukwakha amanqaku akho ekhredithi .
Iimfuneko zokuThengisa
Ezinye iintengiso zifuna ikhadi lekhredithi. Ukuqasha imoto, ukubhuka ihotele, okanye ukuthenga amathikithi eenqwelo-moya kukufuna ukuba usebenzise ikhadi lokuthenga ngetyala, okanye ubuncinane ikhadi lomdaka. Ukuba uhlala ngemali kuphela, uza kuba nexesha elinzima ukugqiba ukuthengiswa kwekhompyutha.
Amakhadi okuthenga ngetyala anika uguquko lokuthengwa lula kwi-intanethi . Ukuba unayo imali kwaye ufuna ukwenza ukuthengwa kwe-intanethi, kuya kufuneka ufumane indlela yokuyiguqulela kwifomathi yekhompyutha. Oku kungathi ukufaka imali kwi-akhawunti yokukhangela usebenzisa ikhadi lokukhwabanisa, ukuthenga ikhadi elihlawulwa kuqala, okanye nokuba nomntu onomakhadi wekrediti athenge yona.
Ukukhawuleza
Ngamanye amaxesha amakhadi okwereta akhawuleza kunemali. Usenokuba ubona i-credit card yokuthengisa apho abathengi basebenzisa amakhadi abo ekweretheni bahamba ngomgca ngokukhawuleza ngelixa umthengi usebenzisa imali uthabatha ixesha elide kwaye unamathela kumgca. Ngemali, kufuneka ubale inani eliyichithayo kwaye ulinde umqeshi ukuba anike utshintsho-ukuba kukho utshintsho olufanelekileyo. Ngekhadi lesikweletu, uvele uswayiphe kwaye uhambe. Ngokuxhomekeke kumthengisi kunye nemali yentengiso, awuvumelekanga ukuba usayine ukuthengwa kwekhadi lakho lesikweletu.
Amakhadi eemboleko ayikho ngaphandle kokungaphumeleli kwabo, kodwa ukuba uyisebenzisa ngokuchanekileyo, unako ukulungisa okanye ukuphelisa iimeko ezingalunganga. Ewe, akukho sizathu sokuba ungeke ube namakhadi ekhredithi kunye nekheshi kwisikhwama sakho. Ungasebenzisa imali ngokuthenga amancinci angayidingi ukukhuselwa kwekhadi lesikweletu. Emva koko, khupha ikhadi lakho lekredithi ngempahla ekhudlwana-ithikithi okanye ezo ziya kukunceda uhlawule umvuzo.