Ikhadi lakho lekhredithi liza nekhono lokwenza umthengi obizwa ngokuba yi-cash advance. Unokucinga ukuwusebenzisa xa ufuna ukufumana imali kwikhadi lakho lekredithi, kodwa uyazi ukuba enye yezinto ezithengisa kakhulu ngekhadi lesikweletu.
Iyintoni iCash Advance?
Ukuhamba kwangaphambili kwemali kwikhadi lakho lekhredithi ngumlinganiselo wemali ebolekwe kumda wakho wemali. Kufana nokuhoxisa imali kwi-ATM kunye nekhadi lakho lokubambisa, ngaphandle kokuba imali ivela kumda wakho wesikweletu, oko kuthetha ukuba ufanele uyihlawule ngenzala.
Unokuthatha imali yangaphambili kwikhadi lakho lekhredithi ngokusebenzisa iPIN yakho kwi-ATM okanye ngokusebenzisa ngokulula ukukhupha umniki-khadi wakho wekhadi ukuthumelele.
Musa ukudibanisa ikhadi lekhredithi ngokukhawuleza ngemali ngemali yokuhlawulwa kwangaphambili kwemali ongayifumana kwisitoreji somboleko. Ukuhlawulwa kwangaphambili kwemali ayifuni ukuhlolwa kwekhredithi kwaye kufuneka kuhlawulwe ngokuthe ngqo kwisitoreji semali-mboleko ye-payday nge-dayday yakho ezayo.
Ikhredithi yakho yamakhadi okuthenga ngetyala (credit card advance advance) ixhomekeke kwikhadi lakho lekhredithi (efuna ukuba ikhonkco yekhredithi ivunywe) kwaye iza nekhetho lokuhlawula ixesha elide nje xa wenza imali encinci.
Unokufumana phi imali?
Unako ukurhoxisa imali kwiimali zakho zokukhawuleza kwangaphambili, okungahle kube ngaphantsi komlinganiselo wokuthenga ngetyala owanikezelwa ukuthenga. Khangela ikopi yakutshanje yesitatimenti sekhadi lakho lesikweletu okanye ungene kwi-akhawunti yakho ye- intanethi ukujonga umda wakho wokukhawuleza kwangaphambili kwemali kunye nenani lekhredithi oyifumanekisayo ukuhamba kwangaphambili kwemali.
Umlinganiselo wakho wokunyuka kwemali okhoyo ungaphantsi kwesilinganiselo sakho esipheleleyo ukuba unayo ibhalansi kwikhadi lekhredithi.
Iindleko zeCash Advance
Inkqubela yentengo yemali ifike ngemali esengaphambili yemali kwaye ihlala inomyinge ophezulu kunomyinge wokuthenga. Imali yokuhlawula imali yangaphambili inokuhlawuliswa njengepesenti yephambi kwenkcitho okanye isantya esicwangcisiweyo.
Umzekelo, umniki-khadi wakho wekhredithi unokuhlawula umrhumo we-5% wenkqubela phambili okanye i-$ 10, nayiphi na enkulu. Khangela imiqathango yamakhadi ekwereti ukuqinisekisa imirhumo ngqo oza kuhlawula ngayo imali.
Inkqubela phambili yemali ayinalo ixesha lobabalo , oku kuthetha ukuba inzala iqala ukunyuka kwi-balance ngokukhawuleza xa kuthengiswa umthengi. Oku kuyinyani naxa uhlawula ibhalansi yakho ngokuzeleyo kwaye uqale umjikelezo wokuhlawula nge-balance balance. Uya kuhlala uhlawula imali yentlawulo ye-cash advance even if you pay it fully if your statement statement. Ukunciphisa inani lomdla olihlawula ngemali engaphambili, lihlawule ngokukhawuleza, nangona oko kuthetha ukuhlawula ngaphambi kokuba isitatimenti sakho sokuthengisa sifike.
Ukongeza kwintlawulo yemali engaphambili, uza kuhlawuliswa umrhumo we-ATM xa usebenzisa i-ATM kwikharityhulam yekhredithi.
Ukuhlawula i-Cash Advance Balance
Imali yokulinganisa imali esecaleni ihluke kwi-balance balance. Iintlawulo zakho zenyanga zihlukaniswa phakathi kwezilinganiso kuba zinamazinga ahlukeneyo enzala. Ukuba wenza kuphela inkokhelo encinci, kuya kusetyenziselwa kwibhalansi kunye nenqanaba lesenzalo esezantsi kakhulu - oko kukukhupha ikhadi lakho lesikweletu.
Imali yokuhlawulela ngaphezu kweyona nto isezantsi iya kusetyenziswa kwibhalansi kunye nezinga eliphezulu lemali, okungenzeka ukuba ibhalansi yakho yangaphambili yemali.
Ngoko ke, ukuba uthetha izilinganiso ezininzi, kuya kufuneka uhlawule ngaphezu kokuncinci ukuba ufuna ukunciphisa ibhalansi yexesha elikhawulezayo.
Xa iCash Advance ayikho iCash
Ezinye iintengo zithathwa njenge-cash advance ngaphambili nangona ungakhange ulahleke ngemali kwikhadi lakho lesikweletu. Ngokomzekelo, ukuba ikhadi lakho lekredithi lisetyenziselwa ukukhuselwa kwe-overdraft, inani lemali engaphezulu kwe-overdraft liza kuthathwa njenge-advance cash. Ukudluliselwa kwefayili, imiyalelo yemali, kunye ne- cryptocurrency ezithengiweyo ngekhadi lakho lekhredithi nazo zinokuthathwa njengenyusiso yemali. Jonga kwisivumelwano sakho sekhadi lesikweletu ukuze ufumanise ukuba yiziphi iintengiso ezinokuphathwa njengemali.