Amakhadi okuthenga ngetyala anemveliso enzima yemali enokukwazi ukubiza imali eninzi. Kukho izinto ezimbalwa omele wazi ngazo malunga nekhadi lekhredithi kwi-wallet yakho. Yaye ukuba awukwazi, kufuneka ubuncinane ukwazi ukuba ungayifumana njani ngokukhawuleza kwaye kulula.
01 Umthumeli wekhadi kunye noNxibelelwano lweNethiwekhi
02 Imali yonyaka kunye neNyanga eya kuhlawulwa
Ekubeni zihlawulwa kuphela ngonyaka, iindleko zonyaka ziyakunqumla. Amakhadi eemboleko kunye nomrhumo ngokuqhelekileyo ukuvavanya ngexesha lokukhumbula inyanga yakho. Faka imali kwikhalenda yakho, ngendlela efanayo ukubeka uphawu lweeholide okanye yokuzalwa. Ngaloo ndlela uyazi ukuba kuza kwaye unokuqinisekisa ukuba unayo isikweletu esaneleyo xa kufuneka.
03 Imali yeNzala kwiiNtengiso ozenzayo
Amakhadi a matyala angaba neerhafu ezahlukeneyo zokuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali. Ukuba uvula ikhadi lekhredithi kutshanje, usenokuba nezinga lokunyusa .
Akufuneki ukuba uqhubeke kunye nokutshintshela ibhalansi okanye izinga lokunyuka kwemali xa uyazi ukuba awusoze wenza ezo ntlobo zentengiselwano. Nangona kunjalo, kufuneka uqhubeke nomyinge wenzala yokuthenga. Jonga isitatimenti sekhadi lakho lesikweletu, kwaye isitatimende senkokhelo sifaka ukulandelela utshintsho kwizinga lakho .
04 Isohlwayo sokuhlawula ixesha elizayo
Phantse nganye ikhadi lesikredithi ihlola umrhumo weentlawulo ezifunyenweyo emva komhla wokugqibela. Umthetho we-Federal uthatha iindleko zekhadi lesikweletu sexesha elidlulileyo kwi-25 yenqanaba lokuqala kunye ne-$ 35 yezihlawuliso ezalandela emva kweenyanga ezintandathu, okanye inkokhelo yakho encinci nayiphi na ephantsi. Umnikeli wakho wekhadi unokuhlawula ngaphantsi kwelo. Khangela imigaqo yamakhadi ekhredithi ukuze ufumane.
Ukuba uneminyaka engaphezulu kweentsuku ezingama-60 ngokukhawuleza kwintlawulo yakho, umnikeli wakho wekhadi uvunyelwe ukunyusa izinga lesohlwayo , elinokuba yi-29.99% okanye ngaphezulu. Yazi ixabiso lakho lesohlwayo. Nangona ukukhutshwa kwekhadi lokuthenga ikhredithi kuyadingeka ukunciphisa isamba sakho sohlwayo emva kokuba wenze iintlawulo ezintandathu ezilandelelana ngexesha elifanelekileyo, bavunyelwe ukuba baqhubeke nokufaka isamba sohlwayo kwiintengo ezintsha . Qinisekisa ukuba uyazi ukuba oku kusebenza kwikhadi lakho lesikweletu.
Ukuhlawula ngokukhawuleza kunokuphelisa ezinye iingenelo onayo kunye nekhadi lakho. Ngokomzekelo, unokulahlekelwa ngumlinganiselo wakho wenzuzo yokuphromotha okanye umvuzo owuzuzile.
05 I-Limit Limit and Penalty for Exceeding It
Umda wakho wekhredithi ngumlinganiselo ovunyelwe ukuyichitha kwikhadi lakho lesikweletu. Ngaphandle kokuba ukhethe ukungena kwiimali zecala , umnikezeli wakho wekhadi uya kulahla nayiphi na inkokhelo eyayiza kudlula umda wesikweletu sakho. Kodwa, ukuba ukhethe ukungena, qiniseka ukuba uyazi isihlomelo sokuhamba komda. Unokuhlawulwa imali engaphezulu kwemida kwaye mhlawumbi ube nesantya sohlwayo esisetyenziswe.
06 Ukulinganisela kwakho kunye neNgxowa-mali ekhoyo
Ukuba unamakhadi athile eemboleko, ukwazi ukuba izilinganiso zazo zonke zivakala ngathi zininzi ukuqhubeka nazo. Kodwa, ungayayazi njani nawaphi na ikhadi lokuthenga ngetyala kunye nento onokuyithenga ukuba awukwazi izilinganiso? Kwaye ukuba awuhambisani nemilinganiselo yakho, ngoko awukwazi ukuba unetyala elingakanani. Ukungazi ngemali, kunye naluphi na uhlobo lwe-akhawunti, kuyingozi.
07 UkuTshintshiselwa kweBhalance kunye neNkcazo yeeMali zeMali
Ezi ntlawulo ezimbini azibalulekanga njengoko ezinye iinkcukacha zekhadi lesikredenti ukuba awunakuze uceba ukwenza nayiphi intengiso. Kodwa, ukuba ucinga ukutshintshwa kwemali okanye ukuhamba kwangaphambili kwemali, qinisekisa ukuba uhlolisise imigaqo yekhadi lakho lekhredithi ngemirhumo. Kungaba kubiza ngaphezu kokubona.
08 Imivuzo onokuyifumana kunye nendlela yokuzihlangula
Iiprogram zokufumana ikhadi lokuthenga ngetyala zingenza nzima. Ukuba unekhadi lomvuzo, uyazi ukuba yeyiphi ukuthenga ifumana umvuzo kunye nawaphi amazinga. Imiphumo engcono kakhulu inokukhaba emva kokuba uchithe inani elincinci kuloo khadi; Qiniseka ukuba uyazi loo mali.
Ukongezelela ukwazi indlela yokufumana umvuzo, kufuneka ukwazi kwakhona ukuba ungabakhulula njani. Umnikezeli wakho wekhadi unokuzihlawulela ngokuzenzekelayo umvuzo wakho xa uqokelele inani elithile. Okanye, kufuneka uhambele iwebhusayithi ekhethekileyo ukuhlawulela umvuzo wakho.
09 Ukugcinwa Ngeemeko Zakho zeKhadi leKhadi
Inokuba yinto eninzi ukuyikhumbula ngamakhadi amaninzi ematyala. Okona kuncinci, bhala phantsi le mpawu nganye kwikhadi lakho lesikweletu kwaye ligcine lifikeleleka kalula ngolwazi lwakho lwezemali. Hlaziya ngokuphindaphindiweyo kwaye ubuyele kuyo xa ufuna ukwazi ukuba unani lekhadi lakho lekhadi.