Iindleko zekhadi lesikweletu ziyahluka ngokusekelwe kwikhadi lekhredithi kunye nendlela osebenzisa ngayo ikhadi lakho lesikweletu. Unokwazi ukusebenzisa ikhadi lekhredithi ngokukhululeka ngokupheleleyo. Okanye, ngokubhekiselele ekupheleni kwebala, ikhadi lakho lesikweletu lingabiza. Konke kuxhomekeke kuwe kunye nekhadi lesikweletu. Ukuqonda iindleko zekhadi lesikweletu kubalulekile ukugqiba ukuba ufuna ukusebenzisa ikhadi lekhredithi.
Ungayisebenzisa iKhadi leMali eliKhulu
Ikhadi lekhredithi ayinanto yokubiza nayiphi na into, kodwa ukusebenzisa ikhadi lekhredithi mahhala kufuna ukuqeqeshwa.
Isinyathelo sokuqala sokuphepha iindleko zekhadi lesikweletu kukukhetha ikhadi lekhredithi elingenayo nayiphi na imali yenyanga okanye yenyanga. Ezi ntlawulo zisoloko zingenakukhutshwa kwaye zandise ngokuzenzekelayo indleko zokuba nekhadi lesikweletu. Xa ukhetha ikhadi lokuthenga ngetyala, funda ngeenkcukacha zexabiso ukuze ufunde okokuthengiselana kuya kubakho imali. Uya kufuneka ukwazi le nto xa uqala ukusebenzisa ikhadi lekhredithi.
Emva koko, emva kokuba ufumene ikhadi lakho lesikweletu, kufuneka ulisebenzise kwikhadi lekredithi ngendlela ekhupha iifizi. Qala ngokuhlawula ibhalansi yakho ngokupheleleyo inyanga nganye ukwenzela ukuba ungafaki nzala. Kufuneka ulandele lo mgaqo unqulo. Naliphi na inyanga awuyi kuhlawula ibhalansi yakho ngokugcwele, ulawulwa yintlawulo yezimali . Okukuphela komqathango kulo mgaqo kukuba ngaba unesilinganiso se- promotional 0% ekuthengeni kwaye usebenzisa ikhadi lekhredithi ngokuthenga. Qaphela ukuba ngelixa elinye ikhadi lesikweletu linikezela ngezinga eli-0% lokunyusa ukuhanjiswa kweebhanki, nayiphi na imali yokudlulisela ibhalansi iya kwandisa ixabiso lekhadi lesikweletu.
Njalo uhlawule ibhalansi yakho ngexesha ukuze ugweme umrhumo wokugqibela kwaye ukuba, ikhadi lakho lihlawula imali yokutshintshwa kwemali okanye imali yentlawulo engaphambili, ungayisebenzisi ikhadi lakho lekhredithi kulezo zintengiselwano. Ukuba ikhadi lakho lihlawula imali yentlawulo yangaphandle , thintela ukusebenzisa lelo khadi xa uphuma ezweni.
Iindleko zokubakho kweKhadi leMatyala
Akuyena wonke umntu oya kukwazi ukusebenzisa ikhadi lakhe lekhredithi mahhala.
Ukuba ukhetha ikhadi lekhredithi elinomrhumo wonyaka , intlawulo iya kuhlawuliswa ngokuzenzekelayo kwikhadi lakho ngenyanga. Ngethamsanqa, abaninzi abanokukhishwa ngamakhadi ekhredithi banako ukuhlawula umrhumo kunyaka wokuqala, kukunika ubuncinane iinyanga ezili-12 ukuze ujabulele ikhadi lakho lekhredithi ngaphandle kweendleko.
Iimali zonyaka zivela kwi-30 ukuya kwi-500 zama-500, kuxhomekeke kwikhadi le-credit. Iimali zonyaka zivela kwi-$ 35 ukuya kwii-300 ezixhomekeke kwikhadi lesikweletu. Imirhumo yonyaka ephakamileyo ihlawulwa ngamakhadi-mboleko kubantu abanekhredithi embi kunye namakhadi okuthenga ngetyala e-premium kubantu abanekhredithi enkulu kakhulu.
Unokucinga ukuba abaninzi abantu baya kuphepha amakhadi ekwereta ahlawula umrhumo wonyaka, kodwa ngamanye amaxesha ufanelekile. Ngokomzekelo, ikhadi lekhredithi linokunikezela ngempahla engaphezulu kwemali yonyaka. Okanye, unenkathazo yokufumana imvume yamanye amakhadi eemboleko kunye nekhadi lesikweletu kunye nomrhumo wonyaka ngumsebenzi kuphela.
Ezinye iindleko zekhadi zekhredithi zisekelwe kuhlobo lweentengiselwano ozenzayo kunye nekhadi lesikweletu.