Ukufumana ikhadi elitsha lekhredithi liyolisayo, kwaye ukuba yikhadi lakho lokuqala lokuthenga ngetyala, mhlawumbi uyacatshulwa. Ngaphambi kokuba wenze ukuthengwa kwakho kokuqala okanye ubeke nekhadi kwi-wallet yakho, kukho ezinye izinto omele uyenze ngekhadi lakho elitsha lekhredithi.
01 Qalisa ikhadi lakho elitsha lekhredithi.
Uninzi lwamakhadikrediti amatsha ane-sticker ngaphambili kunye nemiyalelo yokuqalisa ikhadi. Yinkqubo elula. Vele ubize inombolo ye-1-800 uze ulandele ukuhamba. Ngokuqhelekileyo, kuya kufuneka ufake inombolo yekhadi lesikweletu (okanye mhlawumbi nje enye inombolo ye-akhawunti yenombolo), ezine zokugqibela zenombolo yakho yokhuseleko loluntu , ikhowudi ye-zip yokukhokha, mhlawumbi nombolo yefowuni yakho.
Qinisekisa ukuba ubiza umnxeba wasekhaya - okanye inombolo yefowuni oyifake kwisicelo sakho. Qaphela iindawo zokuthengisa zokuncedisa iinkonzo, ngokukodwa kwizicwangciso zokhuseleko lwamakhadi okanye i- credit monitoring .
02 Funda imigaqo uze uyifake.
Iimimiselo kunye neemeko zingumqulu omude ongasifuni ukufunda zonke kwixesha elilodwa. Ngenhlanhla, ngamakhadi amatyala amatyala , abakhuphayo kufuneka bafake iinkcukacha ezibalulekileyo kwixabiso elilodwa kwiphepha. Ezi nkcukacha ziquka iirhafu, amaxabiso omyinge kunye nezinye iimpawu zentengo.
03 Yazi imingcele yakho yemali.
Amanqaku amaninzi eemali-mboleko anomda wokuthenga ngetyala-inani elikhulu unako ukuhlawulisa kwikhadi lakho lesikweletu ngaphandle kokufaka imali okanye ukudala isantya sohlawulo. Uza kuba nomlinganiselo wokukhawuleza wemali ongase ube ngaphantsi komda wokutshintshwa kwemali kunye nokuthengwa.
Amanye amakhadi ekhredithi, ngokukodwa i-credit card yaseMelika kunye namakhadi okuhlawulwa, musa ukufumana umlinganiselo wokuchitha imali . Nangona kunjalo, la makhadi anciphisa inani lakho lokuthenga ngokususela kwimali yakho engenayo, umlando wentlawulo , iipateni zokuchitha, kunye nezinye izinto.
04 Qaphela iirhafu zokunyusa.
Ukuba ikhadi lakho elitsha lekhredithi lafika ngenani lentengiso , qiniseka ukuba uyazi xa liphela. Ngokomthetho, iiyure zokunyusa kufuneka zenze ubuncinane ubuncinane kwiinyanga ezintandathu, kodwa abaninzi abanokukhishwa kwamakhadi ekwereti banweba amaxabiso ngaphaya kwelo xesha lincinci. Nangona kunjalo, qiniseka ukuhlawula ibhalansi yakho ngaphambi kokuba isantya sokunyusa siphelele ukufumana into efanelekileyo. Ezinye iiprogram zokunyusa, okt ukukhushulwa komdla, kufakelwe ukubuyela emva kwenzalo ukuba awuzange uyihlawule ibhalansi epheleleyo ekupheleni kwento yokuthengisa.
05 Funda iprogram yakho yemivuzo.
Yazi iprogram yakho yomvuzo wekhadi lesikweletu . Ngamakhadi athile ekhredithi, ukufumana umvuzo kuyinto elula njengokutshiza ikhadi lakho lokuthenga. Kodwa amanye amakhadi ekwereta angafuna ukuba ubhalise ngaphambi kokuba uqale ukuzuza. Okanye, unokufumana kuphela umvuzo wokuthenga okuthile. Ukukufumanisa , umzekelo, kukuvumela ukuba ufumane i-5% eyi- cashback kwiindidi eziguqula zonke iinyanga ezimbalwa kwaye kufuneka ubhalise ukuze uthathe inxaxheba.
06 Bhala inani lenkonzo yabathengi.
Ukuba ikhadi lakho lilahlekile okanye libiwe, kuya kufuneka udibanise nomkhupheli wakho wekhadi lokuthenga ngetyala ngokukhawuleza ukuba ugweme uxanduva lokuhlawulwa kwamatyala. Nangona kunjalo, ngekhadi lakho lilahlekile, awuyi kuba nokufikelela kwinombolo yenkonzo yabathengi ngaphandle kokuba uyigcina ngoku. Bhala phantsi inombolo yenkonzo yomthengi kwaye uyigcine kwindawo ephephile, ehlukileyo kwikhadi lakho lesikweletu. Andicebisi ukuba ubhale inombolo yakho yekhadi lesikweletu ngaphandle kokuba uceba ukuyigcina kwindawo ephephile kakhulu, njengobhokisi olukhuselekileyo okanye olukhuselekileyo kwibhokisi.
07 Yakha i-akhawunti yakho ye-intanethi.
Ukukwazi ukufikelela kwiakhawunti yekhadi lakho lekhredithi kwi-intanethi kwenza ubomi bube lula, ngakumbi xa uqhuba i-intanethi ye-intanethi ngaphandle kweyona. Unokuzijonga ngokukhawuleza ibhalansi yakho, yenza iintlawulo , kwaye ubeke umsebenzi we-akhawunti yakho. Zonke iikhuphethi ezinkulu zekhadi zekrediti zivumele ukuba ubhalise i-akhawunti yakho kwi-intanethi kwaye ezinye zibe neerhafu ezingaphezulu kwi-akhawunti ye-intanethi, njengabacwangcisi bokuhlawula okanye abahlalutyi bemali. Umnikezeli wakho wekhadi lokuthenga ngetyala unokufumana i-app ye-smartphone eyenza kube lula ukufikelela kwiakhawunti yakho nanini na naphi na.
08 Nquma ukuba ufuna iimpapasho ezingenayo iphepha.
Iingxelo ezingekho phantsi kwephepha okanye i-e-billing enye inketho enikezelwa ngabaniki baninzi bekharityhulam abakhulu. Esikhundleni sokufumana ingxelo yephepha kwiposi, uya kufumana i-imeyile ekukuxelela ukuba isitatimende sakho silungile. Emva koko, ungangena kwi-akhawunti yakho ye-intanethi ukujonga ingxelo yakho kwaye wenze inkokhelo yakho. Ukutyelela isayithi lakho lomthengisi wekhadi ukuze ubone ukuba ukuhlawulwa kwe-paperless kuyatholakala kwaye ubhalise. Gcina ukhumbule ukuba xa ubhalisela ukuhlawulwa kwe-paperless awuyi kuphinda ufumane ingxelo kwiposi.
09 Cinga nge autopay.
Ukuba ungumhlobo ukulibala ukuba iindleko zifunekayo nyanga zonke okanye ungathanda ukungaxhalabisi malunga nentlawulo yakho, unokukwazi ukusetha i-autopay kwikharityhulam yakho entsha. Ngeentlawulo ezizenzekelayo, ungasetha umrhumo werhafu kunye nomhla apho iintlawulo zakho ziya kwenziwa nganye nyanga.
Qaphela ukuba izinto zingahambi kakuhle nge-autopay. Umzekelo, kufuneka uqinisekise intlawulo ehleliweyo ubuncinane inkokhelo encinci ngenxa yokuphepha iindleko zokugqibela . Kwaye, kuya kufuneka uqiniseke ukuba ukhansele inkokhelo xa unayo ibhalansi ye $ 0. Ukuba i-autopay ayifumaneki ngekhredithi yakho yekhadi lesikweletu, unokukwazi ukuyibeka kunye nebhanki yakho.
10 Gcina ikhadi kwindawo ephephile.
Khusela ikhadi lakho elitsha lekredithi ekulahlekelweni nasekuphanga ngokukubeka endaweni ephephile, njengesikhwama sakho okanye isikhwama, kwaye uqiniseke ukuba uyayibuyisela emva kokusetyenziswa. Ukuba udale i-PIN yekhadi lakho lesikweletu, yi khumbula kwaye ungalokothi ubhale iPIN yakho kwikhadi lakho lekredithi okanye ugcine i-PIN kwindawo efanayo nekhadi lakho.