Ingxelo yakho yekhredithi iqulethe ubuninzi beenkcukacha malunga neakhawunti zakho zekhredithi. Ngama-akhawunti athile, ababolekisi bakho bangongeza amazwana malunga nemo ye-akhawunti. Ukufunda malunga neengxelo zakho zemali-mboleko, ungabona ezinye iakhawunti ezivaliweyo zineengxelo ezithi "i-akhawunti ivaliwe kwisicelo somnikezeli" okanye "ivalwe ngumnikezeli."
Yintoni uMniki-mali?
Umniki-mboleko unye elinye igama elisetyenziselwa ukuchaza umniki-khadi wakho wekhredithi , inkampani inikezele ngetyala kuwe.
Njengomniki-mali wakho, umniki wekhadi lesikweletu angenza izigqibo ezininzi ngeakhawunti yakho njengoko kuchaziwe kwisivumelwano sakho sekhadi lesikweletu. Bangakwazi ukuphakamisa okanye ukunciphisa umda wesikweletu sakho kunye nomyinge wakho wenzala. Bayakwazi ukuhlawula imali kwi-akhawunti yakho ngokuthengiselana ezithile kunye nezohlwayo zezenzo ezithile kwinqanaba lakho. Kwaye, umniki-mali wakho unokuvala i-akhawunti yakho yekhadi lesikweletu, ngamanye amaxesha ngaphandle kokumxwayisa kuqala.
Kutheni "Valiwe nguGrant" Kungabonakala kwiNgxelo yakho yeMboleko
Ngoku ukuba uyaqonda ukuba ngubani umniki-mboleko wakho, masihlole ukuba kutheni "kuvaliwe ngumniki-mali" kungabonakalisa kwingxelo yakho yekhredithi.
Umnikezeli wakho wekhadi lesikweletu mhlawumbi unesivumelwano kunye namaziko eemboleko zemali-mboleko ukubonelela ngolwazi malunga ne-akhawunti yakho-equka iinkcukacha malunga ne-open / close status of akhawunti yakho. "Valiwe ngumniki-mali" kunokubonisa ingxelo yengxelo yakho yekhredithi xa umnikeli wakho wekhadi lesikweletu evala ikhadi lakho lesikweletu. Oku kungenzeka ukuba kwenzeke ngezizathu ezahlukeneyo: wawa emva kweentlawulo zekhadi lesikweletu, ikhadi lekhredithi alizange lisebenze ixesha elide, ikhadi lesikweletu lafakwa endaweni yenguqu entsha, umbolekisi ufumene ubuqhetseba kwi-akhawunti, okanye uxelele ikhadi elilahlekileyo okanye elibiwe.
Iingxowa-mboleko zemali-mboleko zifuneka ukuba zibandakanye ulwazi oluchanekileyo kwingxelo yakho yekhredithi. Ukuba akuyinyaniso ukuba umniki wekhadi lakho lesikweletu uvale i-akhawunti yakho kwaye nguwe ocele ukuba i-akhawunti yakho ivaliwe, unokuphikisana nokungena kweengxelo zemboleko . Faka ikopi yesicelo sakho sokuvalwa kwekhadi lesikweletu kunye neposi eqinisekisiweyo okanye iresidi yokubuyisela ebonisa ukuba umbolekisi ufumene isicelo sakho.
Ngaphandle koko, ukuba impendulo ichanekile, iya kuhlala kwingxelo yakho yekredithi malunga nobude bexesha lokubhengezwa ngetyala . Ukuba i-akhawunti ivaliwe ngolwazi olubi, umz. Uhlawuliswe, ngoko kuya kuvela kwingxelo yakho yekredithi emva kweminyaka emithathu. Iingxelo ezivaliwe ngokuma kakuhle ziya kuhlala kwingxelo yakho yekredenti esekelwe kwizikhokelo zangaphakathi ze-credit bureau zokubika iingxelo ezivaliweyo, ezinokuthi zibe malunga neminyaka eyi-10 emva kokuba i-akhawunti ingasasebenzi.
Ngaba Ingxelo iza kuthintela amanqaku akho kwiNgxowa-mali?
Unokukhathazeka malunga nendlela amazwana abonisa ngayo umniki-mboleko wakho avaliwe i-akhawunti iya kuphazamisa amanqaku akho. Emva kwakho konke, umlinganiselo wakho wekhredithi ngowona manani obalulekileyo ebomini bakho. Ukuba nomlinganiselo omhle wamatyala kubalulekile ukuba ube nekhadi lakho lekhredithi kunye nezicelo zemboleko ezivunyiweyo.
Ngethamsanqa, izimvo ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) uvale i-akhawunti okanye ukuba umboleki wakho uvale ikhadi lakho lesikweletu (kunokuba uvale it) ayiyi kuba yingozi kumvuzo wakho wekhredithi. Iingxelo aziqhelwanga kumlinganiselo wakho wekhredithi; Imisebenzi kuphela kwi-akhawunti iya kuphazamisa amanqaku akho.
Umboleki-mboleko oye ufake isicelo ngekhredithi akayi kukwazi ukuba i-akhawunti ivalwe ngumboleki-mali ngaphandle kokuba bahlolisise ingxelo yakho yengxelo yemboleko.
Ngokuqhelekileyo, ababolekisi bajonga amanqaku ekhredithi kuba yindlela esheshayo yokuvumela izicelo. Nokuba ngaba umboleki-mali uhlaziya ingxelo yakho ye-credit, mhlawumbi abayi kubambelela kuwe ukuba i-akhawunti yakho ivaliwe ngumniki-mboleko, ngakumbi ukuba yonke ingxelo yengxelo yemboleko iqulethe ulwazi oluchanekileyo.
Nangona kunjalo, umlinganiselo wakho wekhredithi unokuchaphazeleka ngekhadi lesikweletu elivaliweyo ukuba unayo ibhalansi kwikhadi lesikweletu okanye amanye amakhadi enkokhelo okanye ukuba ngaba yikhadi lakho lesikweletu kuphela. Ukuba i-akhawunti ivaliwe ngenxa yokuhlawulwa kwexesha, ukuhlawulwa kwexesha elide (kungekhona "i-akhawunti ivalwe" izimvo) kuya kuphazamisa amanqaku akho ekhredithi.