Xa ucinga ukufumana ikhadi lakho lokuqala kwikhadi, kubalulekile ukuba uthathe isinyathelo emva kokuqwalaselwa ngokucokisekileyo. Amakhadi enkoleko angakunceda ukwakha i-credit yakho , yenza kube lula ukuhamba, kwaye unokukunceda ngexesha loxakeka. Kananjalo kunokukwenza ukuba ukonakalise i-credit yakho kwaye wenze iimpazamo ezinkulu zemali. Njengoko uthatha inyathelo lokufumana ikhadi lakho lokuqala lokuthenga ngetyala, kufuneka uzinikezele ukusebenzisa ikhadi ngokuhlakanipha. Kubaluleke kakhulu ukufumana ikhadi lekhredithi elinenzuzo kakhulu kuwe. Nazi izinto ezintlanu oza kuziqwalasela xa ufaka isicelo sakho kwikhadi lekhredithi yokuqala.
01 Inzala yeMali
02 Gwema iiNtlawulo zonyaka
Amakhadi amaninzi amatyala asebenza ukuhlawula iifizi zonyaka ukwenzela ukuba afanelekele ikhadi. Ngoku, kulula ukufumana ikhadi lekhredithi elingakuhlawulanga imali yonyaka. Unokwazi ukubheka ibhanki yakho okanye umanyano weentengo zemboleko ukuze ubone ukuba bazimisele ukukhipha ikhadi lekhredithi ngaphandle kwemali yonyaka. Uninzi lwezibonelelo ezifumanayo ngeposi okanye kwi-campus azinakho ukufumana intlawulo yonyaka.
03 Khangela imivuzo
Nangona akufanele ufumane ikhadi lesikweleti ngembuyekezo , ukuba uthengela enye yokwakha i-credit yakho, unokufuna ukufumana inzuzo kwimbuyekezo ekhoyo kuwe. Iimali zamakhadi abuyele ngqo kwaye zilula ukufaka umvuzo, kodwa ukuba unenjongo ethile yokuhamba, unokufuna ukucinga loo hlobo lomvuzo. Qiniseka ukuba ufunda iimpendulo ngendlela elula okanye kunzima ukubiza iimbuyekezo. Ukongezelela ukhumbule isizathu sokuba amakhadi anikele ngemiphumo kukuba ngaba abathengi baqhube umyinge ukuze bakwazi ukwenza imali kuwe. Ukuba usebenzisa amakhadi ngokufanelekileyo ngoko unokuzuza kwimiphumo, kodwa ukuba uyayithatha ibhalansi, ayifanelekanga.
04 Gwema iiCards zokugcina
Ukugcina amakhadi ekredithi ngamanye okulula ukufumana. Kananjalo banamaxabiso amanqanaba aphezulu. Kukulungele ukuphepha amakhadi enkokhelo esitolo ngezizathu ezininzi. Awukwazi ukusebenzisa ikhadi lekhredithi yeevenkile kwenye indawo kwaye loo nto iyalahla inzuzo yokuhamba ngekhadi lesikweletu. Awukwazi ukuyisebenzisa kwimeko engxamisekileyo ukuhlawula i-bill yokulungisa imoto. Ukongezelela, kunokusilingela ukuba uthengise ukuthengiswa kunye nemali eyongezelelweyo kwaye ungagqiba ngokugqithisa. Kungcono ukukhangela ikhadi lekhredithi ongayisebenzisa naphi na ukuba ufuna ikhadi lakho lokuqala lekhredithi.
05 Qonda izigwebo
Uninzi lwamakhadi akhredithi aya kukuhlawula imali yokugqibela kwaye uphakamise umyinge wakho wenzala ukuba ufike emva kwekhadi lokuthenga ngetyala. Kubalulekile ukwazi ukuba izigwebo zenzelwe ukuhlawulwa kwexesha elide kwaye uhamba nge-balance balance. Khetha amakhadi ngeendlela ezingcono ezikhoyo. Nangona akufanele ufike emva kwexesha, ngamanye amaxesha izinto zenzeka njengoko ulibale ukuthumela ngentlawulo okanye ilahleka ngeposi. Ungakuphepha oko ngokukhangela amakhadi anikezela ukuxolelwa ngokukhawuleza kwexesha okanye ixesha elifanayo.