Injongo yoTshintsho lweeMali
Ukutshintshwa kwekhadi lokuthenga ngetyala ngoluhlobo lomthengi wekhadi lokuthenga ngetyala, apho uhlawula ibhalansi yekhadi lesikweletu kunye nelinye ikhadi lekhredithi, ngokuqhelekileyo ngekhadi lesikweleti ukusuka kwelinye umniki-khadi.
Xa ufaka isicelo sekhadi lesikweletu, ungangena iinkcukacha zebhanki ofuna ukuzitshintshwa kubandakanywa nenombolo ye-akhawunti kunye nemali yokuthumela.
Ukuba isicelo sakho sivunyiwe kwaye umda wakho wekhredithi uphezulu ngokwaneleyo, umniki-mthengisi wakho wekhadi lomthengi uza kuqalisa inkqubo yokudlulisela imali. Ungakwazi kwakhona ukudlulisela ibhalansi ngefowuni okanye kwi-intanethi emva kokuba iakhawunti yakho yekhadi lesikweletu sele iqalwe.
Esinye sezizathu ezifanelekileyo zokudlulisa izilinganiso kukusebenzisa inzala engaphantsi . Kodwa akusiyo ingcamango efanelekileyo, kodwa, ukudlulisela izilinganiso zekhadi lesikriti nje ukuphepha ukuhlawula i-bill card yakho. Oku kungabiza kwaye kukhokelela kumatyala ekhadi lekhredithi , ngakumbi xa wenza umkhwa.
Iimpawu ezibalulekileyo zeTransfer Transfer balance card
Ikhadi lesikweletu olikhethayo kufuneka livumele ukuhanjiswa kwemali. Khangela imiqathango yekhadi lesikweletu, ukuba iluhlu lwe-APR kunye nentlawulo yokudluliselwa kwemali, ngoko ungayisebenzisa ukuthumela imali.
Ukuba ezo zindleko zingabonakali, zikhuselekile ukucinga ukuba awukwazi ukudlulisela izilinganiso kwikhadi lekhredithi. Unakho ukubiza inkonzo yamakhasimende kwikhasi ukuqinisekisa ukuba unomdla ngokukodwa kwikhadi lekhredithi.
Kukho ii-APRs ezimbini ukuba ziqwalasele ngokukhawulelana namanani amakhadi-mboleko: isantya sokusungula isantya kunye nomyinge oqhelekileyo oya kusebenza emva kokuba ixesha lokuqalisa liphelile.
Thelekisa intlawulo yesithuba sokunyusa emva kwenzalo kwinzala yakho yamatyala. Qinisekisa ukuba uyayiqonda into omele uyenze ukuze ufanele ukufumana inzala yentengiso . Ekugqibeleni, qiniseka ukuba uyazi imali yokudlulisela imali . Le ntlawulo yongezwa ngokuzenzekelayo xa udlulisela ibhalansi. Ixabiso elincinci lemali elingcono.
Funa i-Savings
Akukona nje ukuba ibhalansi yokutshintshwa kwekhadi lekredithi lidlale ukuba uyenzela ukutshintsheliswa kwemali, kufuneka kwakhona ukwazi ukuba uza kusindisa imali ngokwenza ukutshintshela imali. Ukusebenzisa i- calculator transfer calculator kunokukunceda ukuba uqonde oku ngokulula. Qinisekisa ukuba ucinga ngemali yokudlulisela imali kunye nomrhumo wonyaka njengoko ulinganisela indleko yokudlulisela imali. Unako ukwandisa imali yokugcina imali ngokubuyisela konke ukutshintshwa ngexesha lokuphromotha.
I-Credit Card Balance Transfers inokuthintela amanqaku akho kwiNgxowa-mboleko
Ukutshintshwa kweemali zemali zekhredithi kungaba nempembelelo kumanqaku akho. Kungenxa yokuba izilinganiso zamakhadi eziphezulu zibonisa ukuba unokuba netyala elingaphezu kwamandla akho. Ngaphambi kokuba wenze i-credit card transfer transfer, qwalasela indlela enokuchaphazela ngayo amanqaku akho ekhredithi. Khumbula ke ngoko, ukuba amanqaku akho ekwereta ahlawuleka njengoko uhlawula phantsi.
Qiniseka ukuba ukudluliselwa kweBhalance kuPhumelele
Ukutshintshela ibhalansi akukhawulezi nje ngokwenza ukuthengwa kwekhadi lesikweletu. Kungathatha iintsuku ezimbalwa kwiiveki ezimbalwa ukuze udluliselo luphumelele. Qhubeka uqhuba iintlawulo rhoqo ngenyanga kwikhadi lakho lekredithi elide uze ufumane isitatimenti senkokhelo nge-balance 0 $.
Ungazihoxisi iingxelo zakho zokuhlawula phantsi kokucinga ukuba ibhanti yakho idluliselwe. Ukuba kukho impazamo yokudluliselwa kwemali kwaye uyayinakukubhalwa kweengxelo zentlawulo kwikhadi lakho lekredithi elidala, ungaphuthelwa intlawulo kwaye uqukumbele ngemali efihliweyo kunye nokufakwa kwexesha lokugqibela kwi-credit report yakho .
Ukuhlawula ukuTshintshiselwa kweBhalance
Ukuba udlulisela umlinganiselo kwikhadi lekredithi elinomlinganiselo omncinci wenzala, ungcono ukubuyisela ibhalansi ngexesha lokuphromotha. Ngaleyo ndlela uza kusindisa imali eninzi kwiintlawulo zenzalo .
Hlukanisa ibhalansi yonke ngenani leenyanga kwixesha lokupapasa ukuze ufumane intlawulo yenyanga ofunekayo ukuze uhlawule umlinganiselo kwaye ukhuphe ngokupheleleyo umdla.
Kungakuthatha ixesha elide ukuhlawula imali yokutshintshwa kwemali xa ikhadi lakho lekredithi linomnye uhlobo lokulinganisela, njengengqikelelo yokuthenga ukuba ukudluliselwa kwebhanki kunomyinge ophezulu. Abaniki bamakhadi ngekhadi okwangoku basebenzise nayiphi na intlawulo engaphantsi kwinqanaba elingaphantsi komyinge kunye nenani lentengo ephantsi kunokuba ibhalansi ihlawulwe ngokupheleleyo. Kuze kubekho umrhumo wezinga eliphantsi lihlawulwe, uhlala ukhokhela umyinge ekudlulisweni kwemali.