Amanqaku akho ekhredithi ngenye yezinto ezibalulekileyo zobomi bakho bezezimali. Amabhanki ayisebenzisa ukuba anqume ukuba unokunika ikhadi lekhredithi okanye mboleko. Abanye abanikezeli benkonzo bawusebenzisa ukucacisa ukuba ngaba ufanele ukuhlawula idiphozithi yokhuseleko. Abanikezeli be-inshurensi yemoto baqwalasela umlinganiselo wakho wekhredithi xa beka izinga lakho le-inshurensi Ngekubeni kubalulekile ukwazi ukuba ziphi izinto ezikunceda ukwakha amanqaku amatyala asemgangathweni , kufuneka ukuba wazi izenzo ezinokulimaza amanqaku akho. Nazi i-15 zazo.
01 Ukuhlawula emva kwexesha
02 Akukho kuhlawula kuzo zonke
Ukunyanzelisa ngokupheleleyo iikhadi lakho leebhanki zamatyala libi kakhulu kunokuba uhlawule ngokukhawuleza. Ngenyanga nganye ulahlekelwa ukuhlawulwa kwekhadi lesikweletu, unyangenyanga enye ekufuphi ukuba i-akhawunti ihlawulwe.
03 Ukuba neAkhawunti ehlawulweyo
Xa abathengi bacinga ukuba awuyi kuhlawula iibhanki zekhadi lakho lekhredithi, bahlawula i- akhawunti yakho. Le ngxelo yegosa yenye yezinto ezimbi kakhulu kumanqaku akho ekhredithi.
04 Ukuba neAkhawunti ithunyelwe kwiiqoqo
Ababolekisi bavame ukusebenzisa abaqokeleli beetyala zenkampani yesithathu ukuzama ukuqokelela imali evela kuwe. Ababolekisi bangathumela i-akhawunti yakho kwiiqoqo ngaphambi okanye emva kokuyihlawula. Isimo sokuqokelela sibonisa ukuba umbolekisi wayeke ukuzama ukufumana inkokhelo evela kuwe kwaye waqesha omnye umntu ukuba akwenze.
05 Ukuchithwa kwiNgxowa-mboleko
Iingxowa-mboleko ezingaguqukiyo zifana neentlawulo zekhadi zekhredithi . Ukungagqibekanga kubonisa ukuba awuzalisekanga ukuphela kwesivumelwano sakho semboleko.
06 Ukufakela i-Bankruptcy
I-Bankruptcy iya kubhidliza amanqaku akho. Ingcinga efanelekileyo yokufuna ezinye iindlela, njengoluleko lweentengo zabathengi , ngaphambi kokufaka i-bankruptcy .
07 Ukuba neKhaya lakho libikezelwe
Ukuva emva kwintlawulo yakho yokubolekwa kwemali kuya kubakhokelela ekubolekiseni imali yakho. Ngaloo ndlela, iintlawulo zexesha elide ziza kubangela ubuhlungu bakho kumanqaku akhokredithi kwaye zenze kube nzima ukufumana imvume yokubolekwa kwemali mboleko.
08 Ukufumana isigwebo
Isigwebo sikhombisa ukuba awugcini nje ukugwema iindleko zakho, inkundla kufuneka ibandakanyeke ukuhlawula ityala. Ngelixa babini bebuhlungu umvuzo wakho wekhredithi, isigwebo esihlawulwayo singcono kunomvuzo ongenakuhlawulwa.
09 Iimali eziphezulu zeKharity Card
Inxalenye yesibini ebaluleke kakhulu kumanqaku akho ekhredithi yinqanaba letyala, lilinganiswe ngetyala leetyala . Ukuba nezilinganiso zamakhredithi eziphezulu (ngokumalunga nomda wakho wemali ) ziyakwandisa ukusebenzisa kwakho i-credit kunye nokunciphisa amanqaku akho ekhredithi.
I-10 ixutywe kwiKhadi leNtengo
I-balance and over-the-balance balance balance card is a 100%. Oku kungcono kakhulu kumanqaku akho ekhredithi.
11 Ukuvala iiKredi zeNkcitho eziseMilinganiselo
Xa uvala ikhadi lekhredithi eliseleyo, umlinganiselo wakho wesikweletu uyahla ku-$ 0 ngelixa ibhalansi yakho ihlala. Oku kwenza ukuba kubonakale sengathi udibanise ikhadi lakho lekredithi, okwenza ukuba amanqaku akho ayeke.
12 Ukuvala iiCredit Old Credit Cards
Elinye iqela le-credit score, 15%, ubude bembali yakho yekhredithi - iimbali zemali zexesha elide zilunge. Ukuvala amakhadi esikwereti endala, ngokukodwa kwikhadi lakho elidala, yenza ukuba imbali yakho yemboleko ibonakale mfutshane kunokuba iyinyani.
13 Iifowuni zokuvala ezineentlawulo ezikhoyo
Ukuba unamakhadi athile eemali-mboleko, abanye banamanani kunye namanye ngaphandle, ukuvala loo makhadi ekhredithi ngaphandle kokulinganisela ukwandisa ukusebenzisa kwakho i-credit.
Ukusebenzisa iiCart ezininzi zeMatyala okanye iMali
Iingxelo zeengxelo zemboleko nge-10% yemali yekredithi. Ukwenza izicelo ezininzi zeentengo zemboleko okanye zemboleko ngexesha elifutshane liza kubangela ukuba amanqaku akho ekhredithi alahle. Gcina izicelo zibe ubuncinci.
15 Ukuba nekhadi lokuthenga ngetyala okanye kuphela imali
Umxube wekhredithi ngu-10% wekhredithi yakho. Xa unalo lunye uhlobo lwe-akhawunti yekhredithi, okanye iimali-mboleko okanye amakhadi-ngetyala, umlinganiselo wakho wekhredithi unokuchaphazeleka. Le nto ibangelwa kakhulu xa ungenayo enye ingcaciso yekhredithi kwingxelo yakho yematyala .