Ngenyanga nganye, umniki wekhadi lakho lokuthenga ngetyala uyakuthumela isitatimenti senkokhelo. Le ngxelo ebalulekileyo ibalulekile kwaye kuyimfuneko yokugcina iakhawunti yakho yekhadi lekhredithi kwaye uyigcine ngokuma kakuhle.
Iyintoni isitatimenti se-credit card?
Isitatimenti senkokhelo yinkcazo yexesha (ngokuqhelekileyo ngenyanga) e dwelisa zonke izinto ezithengwayo, iintlawulo kunye nezinye izikweletu kunye neentengo ezenziwe kwiakhawunti yakho yekhadi lesikweletu ngaphakathi komjikelo wokuhlawula.
Nangona isitatimenti sekhadi lakho lesikweletu lide lide kwaye lipakishwe ngolwazi, kubalulekile ukuba ufunde nganye ingxelo yeentlawulo zakho ngenyanga. Kancinci, hlaziywa ibhalansi yakho, inkokhelo encinci, kwaye uludwe lweentengiselwano ezenziwe kwiakhawunti yakho.
Yintoni kwi-statement statement?
Isitatimende sakho senkokhelo sidibanisa yonke into ofuna ukuyifumana malunga nekhadi lakho lekhadi lesikweletu. Iquka:
- Ibhanki yakho yangaphambili
- Intlawulo encinci ngenxa
- Umhla wokuhlawulwa
- Imali ehlawuleyo eya kuhlawulwa xa uhlawula ngokukhawuleza
- Isishwankathelo kunye neenkcukacha ezongezelelweyo zeentlawulo, iikhredithi, ukuthenga, ukuhanjiswa kwemali, ukunyuswa kwemali, intlawulo, inzala kunye nezinye izikweletu ezenziwe kwiakhawunti yakho.
- Ukuphazamiseka kweentlobo zezilinganisi kwi-akhawunti yakho kunye nenqanaba lomdla kunye neerhafu zenzalo ngamnye
- Umda wakho wekhredithi kunye nekhredithi ekhoyo
- Inani leentsuku kwixesha lakho lokuhlawula
- Ixabiso elipheleleyo lemali kunye nemirhumo ehlawulwa ngonyaka
- Iinkcukacha zoqhagamshelwano kumniki-khadi wakho wekhadi
- Imivuzo eyayifumana, ukuba iyasebenza
Isitatimende sakho sekhadi lesikweletu siya kubandakanya ukuchazwa kwentlawulo encinci ichaza inani lexesha eliza kuthatha ukuba lihlawule ibhalansi yakho ukuba wenza kuphela intlawulo encinci kunye nesixa-mali esiya kuphelisa ukuhlawula. Kuyakuquka kwakhona intlawulo yenyanga ukuyenza ukuba ufuna ukuhlawula ibhalansi yakho kwiminyaka emithathu.
Isitatimenti sakho sokubakhoda ngekhadi lesikweletu siya kubandakanya isixwayiso sokuhlawula emva kokutsalwa esikuxelela impembelelo yokuthumela intlawulo yakho emva kwexesha-ukuhlawulwa kwexesha elifutshane kunye nokunyuswa kwezinga lokuhlawulwa .
Kuya kuba nenombolo yefowuni onokuyifumana xa unenkathazo yokwenza iintlawulo zingathanda ulwazi oluninzi malunga nokucebisa ngekhredithi.
Ingxelo yakho yokubakho ifika nini?
Isitatimende sakho sokubhatala sithunyelwa ekupheleni komjikelo ngamnye wenkokhelo ukuya kwidilesi yokuposa kwifayili kunye nomniki wekhadi lakho lesikweletu.
Umthetho ufuna ukuba izitatimenti zokubhalwa kwekhadi lokuthenga ngetyala zithunyelwe ubuncinane iintsuku ezingama- 21 phambi komhla ofunekayo ukwenzela ukuba ube nexesha lokwenza ukuhlawulwa kwekhadi lakho lesikweletu ngexesha kunye nokuphepha iindleko zemali ukuba ixesha lokubonga lisebenza kwi-balance balance.
Ukuba ubhalisele ukuhlawula i-paperless, oku kuthetha ukuba ujonga iingxelo zekhadi lakho lesikweletu kwi-intanethi kunokuba ufumane iphepha lokuthumela iphepha, uza kufumana i-imeyile ekukwazisa i-bill yakho ifumaneka ukujonga inthanethi. Iingxelo ezingapheliyo zikhompyutheni zombhalo weposi yakho. Ukujonga ingxelo yakho engenamaphepha, ungene kwiakhawunti yakho yekhadi lekredithi kwaye ujonge ikhonkco ukufikelela kwi-statement yakho.
Abaninzi bamakhredithi bamakhadi benza iitatimenti zentlawulo ekhoyo kwi-intanethi, nangona ungabhalanga kwi-billing paperless.
Uyakudinga ukuba umfundi we-PDF ukhangele inguqulo yephepha engenayo ye-statement statement.
Qinisekisa ukuba umniki wekhadi lakho lekhredithi unelungelo lakho lokuposa okanye i-imeyile ukuze ufumane iingxelo zekhadi lakho lesikweletu okanye izaziso ze-imeyile ezihambelana nesitatimenti sakho.
Ngaba uya kufumana ingxelo xa ikhadi lakho livaliwe?
Uya kuqhubeka ufumana isitatimenti senkokhelo yenyanga nganye kwi-akhawunti evaliweyo uze uhlawule ibhalansi yakho yekhadi lesikweletu. Xa uvala i-akhawunti yakho, usenomsebenzi wokuhlawula rhoqo ngenyanga kwaye unako ukuhlawulwa inzala kunye nemirhumo kwi-balance balance. Nangona kunjalo, awuyi kukwazi ukwenza iindleko ezongezelelweyo kwi-akhawunti yakho.
Hlola ingxelo yakho, nangona i-akhawunti yakho ivaliwe, ukuqinisekisa ukuba ukuthengiselana kuchanekile.
Yintoni enokuyenza xa kukho iiphoso kwiitatimenti zakho zokuhlawula?
Esinye sezizathu ezibalulekileyo ukuba kufuneka ubuyekeze ngokucacileyo ingxelo yakho yekhadi lesikweletu kukuqinisekisa ukuba konke kuchanekile.
Ukuba ubona iphutha lokukhokha, unelungelo lokuphikisana nomniki-khadi wekhadi. Kodwa, kufuneka wenze ingxabano zingangeentsuku ezingama-60 ukuba isitatimende sekhadi lesikweletu sithunyelwe kuwe.
Abaninzi bamakhredithi bamakhredithi baya kusombulula ingxabano yakho ukuba wenze nje umnxeba. Nangona kunjalo, ukukhusela amalungelo akho phantsi kwe-Fair Credit Billing Act, kufuneka uthumele ileta echaza ingxabano yakho . Ngaloo ndlela, unobungqina bokuba uphikisana nephulo lokubambisa ukuba umniki wekhadi-mboleko akayikusixazulula umba kwaye kufuneka ukhononda kwi-arhente karhulumente (njenge-CFPB) okanye uvumele umniki-khadi wakho wekhadi. Kulungile ukuqalisa inkqubo ngefowuni uze ulandele ngencwadi.
Zonke iintengiso ezingabhalwanga kwisitatimenti sakho sokuhlawula.
Isitatimende sakho sokuhlawula siquka kuphela umsebenzi we-akhawunti ngaphakathi komjikelo wakho wokuhlawula. Intsebenzo oyenziweyo ngaphambi okanye emva kokuqala nokuphela komjikelo wenkokhelo ayiyi kubonakala kwisitatimende sakho sokuhlawula. Hlola phezulu kwekhadi lakho lekhadi lesikweletu malunga nemihla yokujikeleza.
Unokungena kwi-akhawunti yakho ye-intanethi ukubona uluhlu lwemisebenzi eposelwe kwi-akhawunti yakho njengoko isitatimenti sakho sokubhatala senziwe. Uya kufuneka ukhangele ikopi yesitatimende sekhadi langaphambili lekhredithi ukuba ufuna ukubona ukuthengwa okwenzekileyo ngaphambi kokuba umjikelo wenkokhelo yesitatimende sakho sekhadi lesikweletu samanje.
Kuthekani ukuba awufumani isitatimenti senkokhelo?
Awuyi kufumana isitatimenti senkokhelo ukuba ibhalansi yakho ye-akhawunti yinto ekhoyo kwaye akukho msebenzi kwi-akhawunti yakho kumjikelezo wangaphambili wokuhlawula. Ukuba umniki-khadi wakho wekhredithi akanakho idilesi yakho echanekileyo, umzekelo uhambise kutshanje kwaye awuzange unike idilesi yakho entsha kumkhupheli wekhadi lakho lesikweletu, awuyi kufumana isitatimenti sokubakho.
Kwiakhawunti yamakhadi amatsha, kunokuthatha iiveki eziliqela ukufumana isitatimende sakho sokuqala, ixesha elide kuxhomekeka xa kuthunyelwe izithuba zokuqala kwi-akhawunti yakho.
Shayela umniki wekhadi lakho lekhredithi ukuba awufumani isitatimenti sekhadi lesikweletu kwinyanga ethile, ingakumbi ukuba kukho inkokhelo efanelekileyo.