Ngaba awuqinisekanga ukuba ngaba ufuna ukukhangela ikhadi elitsha lekhredithi?
Nazi iimpawu ezili-10 kufuneka ufune ukukhangela ukuba ubone enye into ekhona.
1. I-Credit yakho iye yaphucula
Xa unesikweletu esingalunganga, ukhetho lwekhadi lakho lesikweletu alikhawulelwanga. Unokwenza ukuba uvule ikhadi lekhredithi elikhusekileyo okanye wamkele ikhadi elikodwa elikhangelayo ukuze uvuselele ikhredithi yakho kwaye ufanelekele into engcono. Njengoko ikhredithi yakho iphucula, kufuneka ufune ikhadi entsha yekhredithi ngemigangatho engcono - akukho mrhumo wonyaka, inzala ephantsi, kwaye mhlawumbi umvuzo.
2. Ufumana ama-Offers for Better Cards Credit
Ukuba abathengi bekhadi lokuthenga ngetyala banokunikezela ngeposi kumakhadi-mboleko ngamagama angcono kunokuba usebenzisa okwangoku, cinga ukuthatha enye yezo zinikezelo. Okokuqala, thelekisa oko ufumene kwi-imeyile kumakhadi ekhredithi kwi-intanethi. Emva koko, biza umniki wekhadi lesikweletu okanye usebenzise i-intanethi xa wenze isigqibo sokugqibela. Ukungamkeli naziphi na iikhadi lekhredithi? Qinisekisa ukuba awukhethi .
3. Inzala yakho Inomdla
Ngaphambi kokutshintshela kwikhadi lekhredithi entsha, zama ukuthetha ngentlawulo ephantsi kunye nomniki wekhadi lakho lesikweletu.
Yilungele ukuhambisa ibhalansi yakho kwikharityhulam entsha xa umniki-khadi wakho wekhredithi angayi kusebenza nawe . Unako ukuhambisa ibhalansi yakho kwikhadi le-credit card nge-0% yezinga lokuqalisa kunye nokuhlawula ibhalansi ngaphandle kokuhlawula elinye i-dime yenzala. Okanye, ubuncinane ubunokuhlawula i-chunk enkulu ye-balance balance interest.
Hlola i-intanethi ukuze unikezele ngexabiso lokuthumela imali. Ukususela ngoFebhuwari 2016, i-Citi Simplicity inikezela ngeepesenti ezingama-21 ze-APR ngomhla wokutshintsheliswa kwemali!
4. Awufumani Nayiphi na imivuzo
Le mihla, akukho sizathu sokuba singabi nomvuzo wekhadi lesikweletu xa amaninzi amanqaku ekwereta enemivuzo emikhulu yokufumana umvuzo - Fumana nokuba unike nekhadi lekhredithi elikhuselekile kunye nemivuzo. Ukuba usebenzisa ikhadi lakho lekhredithi ngokuqhelekileyo kwaye uhlala uhlawula ibhalansi yakho ngokugcwele, umvuzo wekhadi lesikweletu ngumsebenzi ongcono kunokuba kukho ikhadi lakho lokuthenga ngetyala elingakuniki naziphi na izibonelelo ezongezelelweyo zokusebenzisa ikhadi lakho lesikweletu.
5. Awufumani Imbuyekezo kuMigangatho apho Uchitha imali emininzi
Ukuba usichitha ezininzi kwi-gesi kunye nokutya - i-$ 500 okanye ngaphezulu ngenyanga - qwalasela iKhadi elikhethiweyo le-American Express Cash ekhethiweyo elihlawula iipesenti ze-6 zeemali kwiiindidi. Abahamba ngeendlela eziqhelekileyo banokuzuza kwi-Chase Sapphire Ekhethiweyo ehlawula iipoti ezimbini nge dollar ekuhambeni nasekuthengeni ukutya.
6. Awufumananga ukunyuka kweNkcitho kwiMinyaka
Ukuba umda wakho wekhredithi uye wahlala uhleli ngelixa umvuzo wakho kunye namanqaku esikwereti uye wandise, lixesha lokukhangela ikhadi elitsha lekhredithi. Amanye amakhadi ekhredithi anomda wesikweledu omkhulu osebenza kubo bonke abanikazi bamakhadi kungakhathaliseki ukuba bafumana imali kunye nezinye izinto.
Khawuqwalasele enye ikhadi lekhredithi ukuba awukwazi ukunyusa umlinganiselo wesikweletu kwikhadi lakho lokuthenga ngetyala.
7. Uhlawula i-Fee yonyaka kodwa ungafumani nayiphi na inzuzo eyongezelelweyo
Kukho ngokuphindwe kabini kufuneka uhlawule umrhumo wonyaka wekhadi lesikweletu: uyakha kabusha i-credit yakho kunye namakhadi okuphela ukuba ufanele ukufumana umrhumo wonyaka okanye i-card yakho yekhredithi iphezulu kakhulu kwintlawulo yonyaka. Ngaphandle koko, umjelo wakho wenyanga umrhumo wesikweletu wesikhadi ngekhadi ngaphandle kweendleko ezongezelelweyo.
8. Ufuna ukuthatha inzuzo yeebhonasi zokungena
Uninzi lwamakhadi-mboleko anika amabhonasi abanikazi bamakhadi abasebenzisa imali ethile ngexesha elithile, ngokuqhelekileyo iinyanga ezintathu. Ukubanjwa kukuba kufuneka ube ngumnikazi we-akhawunti entsha ukuze ufanele ukufumana ibhonasi. Ingaba kunengqiqo ukunamathela kwikharityhulam yakho yangoku yemali engenakukunika lo hlobo lomvuzo xa ungatshintshela kwenye ikhadi lekhredithi kwaye ufumane inzuzo kuyo?
9. Awunayo Ikhadi lesikweletu lakho
Ukuba ikhodi lakho lekhredithi kuphela ukuba ungumsebenzisi ogunyazisiweyo okanye umnini-akhawunti odibeneyo, kusenokuba ixesha lokufaka isicelo sakho kwikhadi lesikweletu. Ngethuba nje unekhadi lesikweletu kunye nomnye umntu, imbali yakho yematyala kuxhomekeka kwindlela abasebenzisa ngayo ikhadi. Xa usukwazi ukufumana ikariti yesikweletu ngokwakho, khangela ikhadi lakho elitsha lekhredithi, nokuba ngaba unomniki ofanayo.
10. Ikhodi yakho yeKharityhulam yangoku ihamba
Ngamanye amaxesha abaniki bamakhadi bekhredithi banquma ukungaqhubeki nekhadi lesikweletu. I-Costco yase-American Express, umzekelo, iyanqamuka ngenxa yokuba i-Costco ikhethe ukusebenzisa i-Citi Visa njengekhadi lekhredithi. Umnikezeli wakho wekhadi lokuthenga ngetyala unokukunika ithuba lokutshintshela kwelinye ikhadi lekhredithi ngaphakathi kwipotfoliyo yayo, kodwa ukuba ukhetha, unokukhangela ikhadi lekhredithi elingcono kwenye indawo.
Ngaba Ufanele Uvale Ikhadi Yakho Yesikweletu Esidala?
Ngokuqhelekileyo ukugcina ikhadi lakho lekredithi elidala livulekile ngenxa yokuba i-akhawunti idala inzuzo yakho kumanqaku ekhredithi . Ngoko ke, nangona utshintshela kwikharityhulam entsha, sebenzisa ixesha lakho elidala ixesha elizeleyo ukuze lihlale lisebenza kwaye libandakanya kumanqaku akho ekhredithi. Ngakolunye uhlangothi, unokuvala ikhadi lakho elidala lekhredithi ukuba uhlawula umrhumo wonyaka ongeke ufune ukuwuhlawula. Qinisekisa ukuba uhlawula nayiphi na ibhalansi ephumayo ngaphambi kokuba uvale ikhadi lekhredithi ukuze ugweme ukutshiza ukusetyenziswa kwekhredithi yakho.
Qaphela uTyala
Ukuvula ikhadi elitsha lekhredithi livulela amandla angaphezulu kwetyala. Qaphela ukuba ungagqithisi imali ngoku ukuba unekhadi lekredithi elivulekileyo. Qhubeka uhlawulisa kuphela oko unokukwazi ukuhlawula ngokugcwele inyanga nganye, nokuba ngaba ulwahlula isixa-mali phakathi kwamakhadi akho a matyala.