Ukuba uthetha ukuthwala ibhalansi yekhadi lesikweletu kunokuba uhlawulele ibhalansi yakho nyanga zonke, ngoko ubone ixabiso lentengo elongezelelweyo kwibhalansi yakho. Iindleko zemali zifakwe kwiibhalansi zekhadi lesikweletu ezingahlawulwa ngaphambi kwexesha lobabalo . Ngokungafani nezinye iimali zekhadi lesikredithi, iintlawulo zezemali aziyiyo intlawulo ephantsi. Endaweni yoko, intlawulo yezimali ibalwa ngamnye kumjikelezo wokuhlawula ngokusekelwe kwibhalansi yakho kunye nenzala. Ngokuqhelekileyo, izilinganiso eziphezulu kunye neerhafu zenzalo zikhokelela kwiindleko eziphezulu zezemali.
Amakhadi eekredithi ezahlukeneyo abala iindleko zezimali ngeendlela ezahlukeneyo. Ukufumana ukuba umboleki wakho ubala njani umrhumo wakho, jonga kwimva yesikhokelo sokugqibela senkonzo. Kufuneka ufumane inkcazelo apho. Ukuba uyazi ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) obala i-charge yakho yezemali, unokulinganisela imali yakho yeefowuni kwaye ufumane iindlela zokunciphisa imali ehlawulwayo.
Ngezantsi zintandathu iindlela zokuhlawulwa kweemali zingabalwa - enye yenziwe ingekho mthethweni kule minyaka elishumi edlulileyo. Cofa kwiikhonkco zeenkcazo ezicacileyo eziquka umzekelo wendlela indlela yokubala yokuhlawulwa kwezemali isebenza ngayo.
01 Ulungelelwaniso olulungisiweyo
Indlela yokulinganisela ibhalansi iqala ngemali ekuqaleni komjikelo wenkokhelo kwaye isuse nayiphi na intlawulo oyenziweyo ngexesha lomjikelo wokuhlawula. Ukuthengwa akufakiwe kwi-balance. Le ndlela ibangela ukuhlawuliswa kwezemali ephantsi kakhulu, kodwa kungabikho abaninzi abakhupha amakhadi abemali.
02 Umyinge Wemihla ngemihla
Indlela yokulinganisela yemilinganiselo yansuku zonke isebenzisa umyinge we-balance yakho ngexesha lomjikelo wokuhlawula. Ibhalansi yemini yongezwa kunye kwaye ihlulwe inani leentsuku kumjikelezo wokuhlawula. Le yindlela eqhelekileyo yeendleko zemali ibalwa.
03 Daily Balance
Indlela yokulinganisela imihla ngemihla ifana nemilinganiselo yokulinganisela imihla ngemihla kuba isebenzisa ibhalansi ngosuku ngalunye lomjikelezo wakho wokuhlawula. Esikhundleni sokulinganisela ibhalansi, ibhalansi yosuku nganye yanda ngezinga lemihla ngemihla "inkokhelo yemali yemihla ngemihla." Intlawulo nganye yosuku ihlawuliswa ngokuhlawulwa kwezemali kuloo mjikelo wokuhlawula.
04 Uhambo lweeNtlawulo eziBini
Umjikelo wokuhlawula kabini usebenzise ibhalansi yemihla ngemihla yemigqaliselo yokuhlawula. Le yindlela ebiza kakhulu yeendleko zemali ibalwa kwaye ayinakulungele kubanikazi bamakhadi kuba ityala inzala kwimali esele ihlawulwe. Ngethamsanqa kubaphathi bekhadi lesikweletu, indlela yokujikeleza iindleko zeemali zokubhalwa kweemali zahlawulwa ngokugqithiswa kwe-Credit CARD Act ka-2009.
05 Ukuphela kweBhalance
Indlela yokugcina ibhalansi isebenzisa ibhalansi yakho ekuqaleni kwenkqubo yokuhlawula iindleko kunye neentlawulo ezenziwe ngexesha lomjikelo wenkokhelo - oko kukuthi ibhalansi yakho ekupheleni komjikelo wokuhlawula. Inani leentsuku kumjikelezo wenkokhelo ayichaphazeli isixa sentlawulo yezemali.
06 Ngaphambi kokulinganisa
Indlela yangaphambili yesalathisi isebenzisa ibhalansi ekuqaleni komjikelo wokuhlawula obuye ube ngumlinganiselo wokugqibela wokugqibela. Akukho ntlawulo okanye iintlawulo zifakwe kwi-balance. Inani leentsuku kumjikelezo wenkokhelo ayichaphazeli isixa sentlawulo yezemali.