Ikhredithi embi ingabangela uxinzelelo kwaye ixabise, kodwa akusiyo isiphelo. Njengoko ungekho ithemba lokuba imeko ingabonakala, i-credit card ayiyi kuhlala ngonaphakade, kwaye kukho izinto ongayenza ngoku ngoku ukuqala ukuphucula amanqaku akho.
01 Fumana ikopi yeengxelo zakho zemali
Ukuze uqale ukusebenza kumanqaku akho ekhredithi, kufuneka ukwazi kakuhle oko kufuneka usebenze. Ekubeni i-score score yakho isekelwe kwingcaciso kwingxelo yakho yekhredithi, indawo yokuqala kufuneka uhambe kuyo ukuphucula umlinganiselo wakho wekhredithi ngumbiko wakho weentengo.
Ukukhuphela iikopi zeengxelo zeentengo zemboleko kwiziko ngalinye lezithathu ezinkulu zemali-mboleko ukufumanisa i-akhawunti efuna umsebenzi. Unokufumana iikopi zamahhala zeengxelo zekredithi kwii-ofisi ezinkulu zamahhala ezivela kwi-AnnualCreditReport.com.
02 Uphikisana nayiphina impazamo yeerhafu
Unelungelo lokunika ingxelo echanekileyo ngetyala. Eli lungelo likuvumela ukuba uphikisane neziphene zeengxelo zemboleko ngokubhalela kwi-credit bureau okanye umboleki-mali obhale i-akhawunti kwingxelo yakho yekredithi.
Iimpazamo zinokulimaza amanqaku akho kwirejista ngaphezu kokucinga. Ngokomzekelo, ukuhlawulwa kwexesha lokugqibela elingenakuchazwa kungenza i-credit card yakho ibe ngamanqaku angama-60 ukuya kwe-110 ngokuxhomekeke kolunye ulwazi kwingxelo yakho yekhredithi.
03 Gwema ukuthenga amakhadi amatyala entsha
Ukuthengwa kwamakhadi amatyala amasha kuya kuphakamisa ukusetyenziswa kwetyala- umlinganiselo weekhredithi zekhadi lakho lokuthenga ngetyala kwiimali zazo zemali. Ukuphakanyiswa kwamanani akho, ukuphakanyiswa kwakho kwekhredithi kuphezulu, kwaye amanqaku akho ekhredithi achaphazelekayo.
Bhatala imali yokuthenga kunokuba uwabeke kwikhadi lakho lesikweletu ukuze unciphise umphumo kumanqaku akho ekwereta. Kungcono, ukuba unokuphepha ukuthengwa ngokupheleleyo, sebenzisa loo mali ukunciphisa ibhalansi yakho yekhadi lesikweletu. Ukunciphisa izilinganiso zakho kunceda ukuphucula amanqaku akho.
04 Ukuhlawula ixesha elidlulileyo lemali
Imbali yakho yentlawulo yenza amaphesenti angama-35 enqaku lakho lemali . Eyona ingemva kwakho kwiintlawulo zakho, ngokugqithiseleyo kuphazamisa amanqaku akho ekhredithi. Banjiswa kwiimali zekhadi lakho lesikweletu ngaphambi kokuhlawulwa okanye ukuthunyelwa kwi-ejensi yokuqokelela.
Thetha kumniki wakho wekhadi malunga neentlawulo zakho ezingekho phantsi. Bangaba nokukulungele ukudala i-akhawunti yakho ukuze ingxelo yakho yekredithi ibonise i-akhawunti yakho ihlawuliwe ngexesha.
05 Gwema isicelo esitsha sekhadi lesikweletu
Ngethuba nje xa usendleleni yokulungisa iitaliti, kufuneka ubalekele ukwenza nayiphi na izicelo ezintsha zekhredithi kuba imibuzo yekhredithi inokulimaza amanqaku akho. Ukuvula i-akhawunti entsha yekhredithi iphinda ithobise iminyaka yobudala besikweletu, esinye isenzo esibuhlungu kumanqaku akho.
06 Ikhefu ezikhethiweyo zivulekileyo, ngakumbi abo baneemali
Ungalingeka ukuba uvale iakhawunti zekhadi lesikratshi eziye zagqithisa, kodwa zilinde. Ngaphambi kokuba uvale i-akhawunti qinisekisa ukuba ayiyi kubachaphazela kakubi i-credit yakho. Umzekelo, ukuvala ikhadi lekhredithi kunye nokulinganisela kunokulimaza amanqaku akho. Kunqabile kakhulu ukuba ukuvala ikhadi lesikweletu kuya kuphucula umlinganiselo wakho wekhredithi.
Ukushiya i-akhawunti evulekile nayo inokuzuza inqaku lakho lekhredithi xa wenza iintlawulo zenyanga.
07 Qhagamshelana nababolekisi bakho
Basenokuba ngabantu bokugcina ofuna ukuthetha nabo, kodwa uya kumangaliswa ngoncedo onokufumana xa ubiza umnini-khadi wakho. Ukuba unenkathazo, khuluma nabathengi bakho malunga nemeko yakho. Abaninzi babo baneenkqubo zengxaki zesikhashana ezokunciphisa iintlawulo zenu zenyanga uze ubuyele ezinyaweni zakho.
08 Ukuhlawula ityala
Isixa sematyala ophetheyo asiyi-30 ekhulwini lemali yekhredithi yakho, kwaye kuya kufuneka uqale ukuhlawula phantsi loo matyala ukuphucula imeko yakho yekhredithi.
Yenza ubuchule ngokuza nemali eyongezelelweyo ukuhlawula ityala lakho. Ngokomzekelo, unokuqhuba i-service sharing share-sharing okanye uthengisa izinto ezithile kwiwebhusayithi yintengiso ye-intanethi ngenkokhelo eyongezelelweyo. Kuya kuthatha umnikelo, kodwa inkululeko yemali oyifumanayo-kwaye amanqaku okuthenga ngetyala anokukufumana-aya kuba nako.
09 Fumana uncedo lobugcisa
Izibonelelo, njengengcebiso yomthengi weengxowa-mali, ziyafumaneka ukuncedisa. Ukuba ugxininiswe imeko yakho yekhredithi, khangela uncedo lochwepheshe. Unokufumana i-arhente yeengcebiso ngekhredithi ngokusebenzisa iSiseko seSizwe soMcebisi ngezeMali. Uyakwazi ukubhekisela kwinkcazo yakho ye-credit card ngenombolo yefowuni ukubiza ukuba unenkxalabo eyenza iintlawulo zakho.
10 Yiba nomonde kwaye uphikelele
Ukunyamezela akusiyo into esetyenzisiweyo ukubala amanqaku akho ekhredithi, kodwa kuyinto into oyifunayo ukuba ulungise i-credit yakho. Ikhredithi yakho yayingakonakali ngobusuku, ngoko ungalindelanga ukuba kuphuculwe kuloo mali. Qhubeka uhlawula amatyala akho ngexesha nganye ngenyanga, kwaye emva kwexesha uza kubona amanqaku akho ekhredithi aphucule.