Yintoni oyenzayo xa ujikelelwe kwikhadi le-kredit
Ufake isicelo sekhadi lesikweletu, kwaye isicelo sakho samkelwa. Ngoku kuthweni? Ukuba isicelo sakho sekhadi lesikweletu asikhanyekanga. Into oyenzayo emva kokuba isicelo sakho sekhadi lesikweletu sikhankanywe kubalulekile ekuqinisekiseni ukuba awulimazi i-credit yakho nayiphi na enye.
01 Faka isicelo kwakhona ngeCaution
Imibuzo ingabonakalisa kwingxelo yakho yekhredithi ngokukhawuleza, ngoko ke ukuba ngaba isicelo sakho sekhadi lesikweletu siyanqatshelwe, kulungile ukulinda de ukwazi ukuba kutheni ngaphambi kokuba ufake isicelo sekhadi lesikweletu.
02 Funda i-Letter Your Action Letter
Kwiintsuku ezi-7 ukuya kwi-10 zoshishino, uya kufumana ileta evela kumniki-makhadi e-credit card esichaza isizathu esithile okanye isizathu sokuba isicelo sakho sekhadi lesikweletu sikhishiwe. Inokuthi idibene nento ethile kwingxelo yakho yemali-mboleko, ukuhlawulwa kwexesha elikhawulezayo okanye ukulinganisela kwekhadi lokuthenga ngetyala ngemzekelo. Kwimeko enjalo, unelungelo lokukhuphela iikopi yakho ye-credit report ukuze uqiniseke ukuba ulwazi oluchanekileyo lwalo luchanekile.
Ukuba unqatshelwe ngenxa yamanqaku akho ekhredithi, umniki wekhadi lokuthenga ngetyala uya kuthumela ikopi yemaphu yesikweletu kunye nezinto eziphezulu ezifaka isandla kumatyala akho.
Unokuphinda unqatshelwe ngenxa yezizathu ezingahambelani nekhredithi yakho, njengengeniso yakho okanye imbali yengqesho.
03 Cela iNgeniso Yakho Yemali Yenkululeko
Xa isicelo sakho sekhadi lesikweletu sikhankanywe ngenxa yenkcazelo kwingxelo yakho yekhredithi, uya kuba neentsuku ezingama-60 ukucela ikopi yamahhala yombiko wesikweletu osetyenziswa kwisigqibo. Ukuba ungathanda ukujonga iingxelo zakho zekredithi ukusuka kwezinye ii-ofisi, uza kufuneka uzilandele ngokwahlukileyo.
Emva kokuba uyala ingxelo yakho yekhredithi, unokuphikisana naluphi na ulwazi olungalunganga olunokubangela ukuba isicelo sakho sekhadi lesikweletu sikhishwe. Emva kokuba ingxelo yakho yekhredithi ihlaziywe, cinga ukucela umniki wekhadi lokuthenga ikhredithi ukuphonononga kwakhona isicelo sakho sekhadi lesikweletu. Unokucela i-credit bureau ukuba ibuyisele ngokuzenzekelayo ingxelo yakho yekhredithi kunoma ubani oye wahlolisisa ngoku kutshanje.
04 Phinda ubuyekeze i-Score yakho yeMatyala
Amabhanki ngoku afunekayo ukuba athumele umlinganiselo wesikweledu samahhala xa isicelo sakho sekhadi lesikweleti sichithwa. Ngokungafani ne-action action negative impact report, akudingeki wenze nantoni na ukufumana amanqaku akho okuthenga ngesikweleti samahhala; umbolekisi makayithumele ngokuzenzekelayo emva kokukhanyela isicelo sakho sekhadi lesikweletu. Umlinganiselo wesikweledu samahhala uza kubhala kwakhona izinto ezimbalwa ezichaphazela umlinganiselo wakho wesikweletu, umzekelo, izilinganiso eziphakamileyo kakhulu okanye ama-akhawunti ayingcingo kakhulu.
Amanqaku akho ekhredithi, kunye nesaziso esichaphazelekayo, siya kukunika ukuqonda okungcono ukuba kutheni unqatshelwe. Sebenza ekuphuculeni umlinganiselo wakho wekhredithi ukuphucula amathuba okuba isicelo sakho sivunyiwe ngokuzayo.
05 Ukulungiswa Kwetyala Lakho
Isicelo sakho sekhadi lesikweletu sinqatshelwe ngenxa yokuba unetyala elibi . Iikholeji ezingakhokhelwa, ukugqithiswa kwangoku, kunye nokulinganisela kwekhadi lekhredithi eliphezulu zizinto zonke ezifuneka zizinze phambi kokuba ungavunyelwa kwikhadi lekhredithi (okanye ubuncinci ubuncinane).
Sebenzisa ingxelo yengxelo yakho yemali njengesiqalo sokulungisa i-credit yakho. Unokuphucula i-credit yakho ngokuphambana neziphene, ukubanjwa kwiakhawunti ezidlulileyo, ukuhlawula i-balance balance, nokunciphisa inani lezicelo ezintsha ze-credit.
06 Faka isicelo seKhadi leMpahla yokuThengisa
Ukugcina amakhadi enkredithi kaninzi kulula ukuvunyelwa ukuba kunamakhredithi amakhredithi amakhulu, nokuba ngaba unomlinganiselo ophantsi wekhredithi. Ukuba uyafaka isicelo kwaye uvunyiwe kwikhadi lokuthenga ngetyala, uya kuqala ngokukhawulela umthamo ophantsi. Ngethamsanqa, unako ukwandisa umda wakho wesikweletu malunga nexesha ngokusekelwe kwithengi yakho kunye nembali yentlawulo .
Amanqanaba omdla kumakhadi eentengo zemboleko aphezulu, ngoko ke uqaphele ngokuthwala ibhalansi. Gcina ukuthenga kwakho ubuncinci kwaye uhlawule ngokuzeleyo ukuphepha ukuhlawulwa kweendleko zemali ezibi kakhulu kwibhalansi yakho.
Sebenzisa i-credit card ngokukhawuleza kunokunceda uphucule umlinganiselo wakho wekhredithi kwaye ufanele ukufumana ikhadi elingcono kwixesha elizayo.
07 Thola iKhadi leMali eliKhuselekileyo
Ikhadi lekhredithi elilondoloziweyo lelinye ikhetho lokufumana ikhadi lekhredithi xa ungenayo i-credit best. Olu hlobo lwekhadi lekhredithi ludinga ukuba i-deposit yokugcina ikhutshwe ngokukhawuleza ngokumalunga nomda wekhadi. Idiphozithi ifakwe kwi-akhawunti yokulondoloza kwaye isetyenziswe kuphela xa ungekho phantsi kwekhadi lakho lokuthenga ngetyala.
Emva kokuba wenze iintlawulo zakho ngexesha kwiinyanga ezintandathu ukuya kwezilishumi elinesibini, abanye abakhupha amakhadi ekhredithi bayakuguqula ikhadi lakho lekhredithi elikhuselekile kumntu ongakhuselekanga. Xa usuguqulile i-akhawunti yakho, i-deposit yakho yokugcina iya kubuyiselwa kuwe.
Nangona ikhadi lakho lokuthenga ngetyala lingaziguquli ngokuzenzekelayo, unokukwazi ukufumana ikariti yesikweletu rhoqo emva kokusebenzisa ikhadi lakho elikhuselekile ngokufanelekileyo ngonyaka.