Ukusebenzisa i-credit ngokuchanekileyo, kubalulekile ukwazi konke onokukwazi ngako. Nazi izinto ezili-10 omele wazi malunga nekhredithi ukuba ufuna ukuyisebenzisa ngendlela efanelekileyo.
01 Ikhredithi ayikho imali okanye i-substituted cash.
02 Ukuba nekhredithi efanelekileyo ibalulekile.
Abantu abaninzi abaqapheli ukubaluleka kwekhredithi elungileyo de bayayidinga kwaye abanayo. Ikhredithi isetyenziselwa ngaphezu kwamakhadi wesikweletu. Udinga iitaliti ngokuthenga okanye ukurenta ikhaya, ukufumana umsebenzi omtsha, kunye nokufumana ifowuni okanye ezinye iinkonzo zesevisi.
03 Ikhredithi enhle ayenzeki ngobusuku.
Uyazi ukuba i-credit entle ihamba ngendlela ende kuluntu namhlanje. Funda oko kuthatha ukwakha uhlobo lomlando wesikweletu ohlala ufumana izicelo zakho ezivunyiweyo ngezinga elincinci lenzalo kwaye akukho khuseleko.
04 Akukho bukhulu obufanayo-bonke abakwikhadi lesikweletu.
Kwaye ukuba kukho ikhadi elinjalo, lilungele ukulingana komlinganiselo omnye-zonke izambatho eziqhelekanga kakhulu. Ekubeni kuninzi iintlobo ezahlukeneyo zamakhadi-mboleko, kulula nje ukufumana enye engakufanelanga nanjengokuba ufumane enye efanelekileyo. Funda malunga neentlobo ezininzi zamakhadi ekwereti apho ngaphandle kokufaka isicelo esinye.
05 Amatyala angenzeka nakubani na, nokuba nawe.
Unamatyala amaninzi unokuba nefuthe elibi kwi-credit yakho, okwenza ubonakale ungabakaliyo kubaboleki besikhathi esizayo. Ukwenza izigqibo eziphathekayo zezezimali kunye nokusebenzisa iitaliti ngokukhawuleza kukugcina ungabotshwa ngetyala.
06 Ababolekisi bathetha ngawe emva komva wakho.
Ababolekisi nababolekisi baxela yonke into ekuqhubekeni kwii- credit bureaus . Belana ngolu lwazi namanye amashishini xa nenza isicelo esitsha sekhredithi. Ingcaciso yakho yekhredithi iqulunqwe kwingxelo yemboleko kwaye ifumene ngokusebenzisa amanqaku ekhredithi.
07 Unokufumana oko bathethayo mahhala.
Umthetho we-Federal unika ilungelo lokunika ingxelo yekhredithi yakho kwi-three bureaus nganye ngonyaka. Ingxelo yekhredithi yamahhala ayifuni ukuba ubhalisele kuyo nayiphi na imveliso okanye iinkonzo, ngoko akunakubophezeleka.
08 Unokucela inzala engaphantsi.
Iirhafu zemigangatho ephakamileyo zenza iitaliti zibiza. Ngomlinganiselo omhle wesikweletu (ama-700 okanye ngaphezulu) kunye nembali efanelekileyo yentlawulo, unendawo efanelekileyo yokuxoxisana nomyinge ophantsi.
09 Kunokwenzeka ukuba unamakhadi amaninzi kumatyala.
Akuthathi ixesha elide ukwakha iqoqo lamakhadi ekwereta. Ngokukhawuleza xa ufumana ikariti yekredithi enye, kubonakala ngathi omnye umboleki-mboleko ufuna ukunikela nabo. Ukuba unamakhadi amaninzi kumatyala angathintela amanqaku akho ekwereta kwaye yenza kube nzima ukuhambisana neentlawulo zekhadi lakho lesikweletu.
10 Ukuvalwa kwamakhadi ekredithi kunokulimaza ikhredithi yakho.
Xa umbolekisi wakho ekwenkqisayo, into yokuqala ofuna ukuyenza ukuvala ikhadi lakho lesikweletu. Ngaphambi kokuba uthethe loo mazwi ("Ndifuna ukuvala i-akhawunti yami") yazi ukuba ukuvala ikhadi lakho lesikweletu kunokukulimaza kakhulu kunokuba kuya kumlimaza umboleki wakho.