Ukuhlawulwa kweeKharityi zeKhadi leTyala eliKhatywayo
Ukungaphumeleli kwekhadi lokuthenga ngetyala ngumsebenzi omkhulu kunokuba ungacinga. Ikhamera lakho lekhadi lekhredithi aliyi kubonakalisa emnyango wakho emva kokulahlekelwa intlawulo, kodwa ngokuqinisekileyo kuthatha inyathelo emva kweemifanekiso. Indlela ababolekisi bakho ngayo ukuhlawulwa kwexesha elifutshane kunokuqhubeka nokukuchaphazela iinyanga, kunye neminyaka, kuza. Ukwazi imiphumo yokuhlawulwa kwekhadi lokuthenga ngekhredithi emva kwexesha kufuneka kube ngokwaneleyo ukwenzela ukuba uthathe umzamo ophezulu wokuhlawula ngexesha.
Izinto Ezi-4 Ziyakwenzeka Xa Uhlawula Ngomhla
Ukuhlawulwa kwekhadi lakho lekhredithi kuthathwa ngokukhawuleza ukuba lufunyenwe emva kwexesha lokuchithwa ngexesha elifanelekileyo okanye ukuba lingaphantsi kwexabiso elincinci elifunekayo. Nantsi into eyenzekayo xa ukuhlawulwa kwekhadi lakho lesitaliti liphelile.
- Umboleki wakho uya kuhlawulisa imali yokugqibela . Isitatimende esilandelayo sokuhlawula siya kubandakanya intlawulo yeentlawulo ezidlulileyo / ezilahlekileyo. Imirhumo yexesha eliqhelekileyo isuka kwi-$ 15 ukuya kwi-35 yezigidi, kuxhomekeke kumgaqo-mali wekhadi lomvuzo wexesha lekhadi kunye nokuba ngaba okokuqala ngethuba ekupheleni kweenyanga ezintandathu ezidlulileyo. Uyakuhlawulwa umrhumo wenyanga emva kwenyanga yakho inkokhelo yakho ifike emva okanye ingaphantsi kwenkokhelo encinci.
- Inqanaba lakho lesenzalo liya kukwanda xa uhlawula luba yiminyaka engama-60 edlulileyo ngenxa. Ababolekisi abagcini nje ukukuhlawulisa ngemali efihliweyo, baya kuthi banokwandisa izinga lakho lomdla kwizinga lesohlwayo , inzala ephezulu kwikhadi lakho lesikweletu. Inzala ephakamileyo yamanani inyuse iindleko zakho zezemali ezenza kube kubi kakhulu ukuphatha imali kunye nokwandisa inani elithathayo ukuhlawula ibhalansi yakho.
Ukuba wenza iinyanga ezi-ezintandathu zeentlawulo zexesha, umniki-khadi wakho kufuneka ukuba abuyisele umlinganiselo wakho wokuhlawula isantya, kodwa kuphela kwi-balance yakho yangaphambili. Ukuthengwa okwenziweyo emva kokuba isantya sohlwayo siphumelele sisenokufumana isantya esiphezulu, kuxhomekeke kwimimiselo yekhadi lakho lesikweletu .
- Ukuhlawulwa kwexesha lokugqibela kwongezwa kwingxelo yakho yekhredithi xa intlawulo yakho ingaphezu kweentsuku ezingama-30. Ingeniso yongezwa kwingxelo yakho yekhredithi kwaye ingahlala iminyaka eyisixhenxe. Ukuba uyaphuthelwa intlawulo elandelayo, ukungena kuhlaziywa kwiintsuku ezingama-60, njalo njalo kwiintsuku ezingama-30 ukuya kwangoko i-akhawunti yakho ihlawuliswa emva kweentsuku ezili-180.
- Amanqaku akho ekhredithi angancipha . Ngenxa yokuba imbali yentlawulo yenza iipesenti ezingama-35 zemali yakho yekhredithi , ukuhlawulwa kwexesha elifutshane kunokuba nempembelelo ebalulekileyo kumanqaku akho, ekuchaphazela ukukwazi kwakho ukufumana i-credit entsha kwikamva. Ingakanani inani lakho lokuthenga ngetyala lehla emva kokuhlawulwa kwexesha elide kuxhomekeke kolunye ulwazi kwi-credit score yakho - ngokubanzi, ngcono i-credit yakho, amanqaku amaninzi omele ulahlekelwe ngawo.
Iintlawulo ezihlawuleziweyo azixeliwe kwi-credit bureau kuze kube emva kweentsuku ezingama-30. Ngoko ukuba ungaphantsi kweentsuku ezingama-30, ungenza inkokhelo kunye nomrhumo wexesha elide kwaye ugweme nayiphi na umonakalo kwingxelo yakho yekhredithi okanye amanqaku ekhredithi. Umnikeli wakho wekhadi lokuthenga ngetyala unokukhupha umrhumo wokuhlawula ngokukhawuleza xa uthe wabuza kwaye ngokukhawuleza ukuhlawulwa kwexesha elide.
Kwiintsuku ezingama-60 ngokukhawuleza, umnikeli wakho wekhadi unokuphakamisa izinga lakho lomdla kwizinga elingagqibekanga okanye isohlwayo. Ungaphinde ulahlekelwe nayiphi na inzala yokukhushulwa enomdla wokuthenga ikhadi. Awukwazi ukuhlawula imali kwimbuyekezo yakho ukuba ikhadi lakho lilahla. Okubi kakhulu, ukuhlawulwa kwexesha elide kunokubangela ukuba ulahlekelwe okanye kukho yonke imivuzo oye waqokelela.
Ngethuba lakho i-akhawunti ifikelelwe kwiintsuku ezingama-180, oko kukuthi ulahlekelwe iintlawulo ezintandathu, umniki-makhadi uya kuhlawula i -akhawunti ngokukhawuleza, ukuyibhalela njengelahleko.
Ukuhlawulwa kwecala kuhamba ingxelo yakho yemali kwaye uhlala iminyaka eyisixhenxe.
Iintlawulo Zesikhokelo kunye neNqaku lakho leMboleko
Imirhumo yexesha lokuhlawula kunye nemigangatho yemigangatho ephezulu ayikho imiphumela emibi yeentlawulo zekhadi lokuthenga ngetyala. Mhlawumbi, umphumo onqwenela ukuwuphepha ukhupha amanqaku akho. Yenzani ukuba intlawulo kamva iyenze ntoni kumanqaku akho?
Ukuhlawulwa kwexesha elifutshane kukuchaphazela njani umlinganiselo wakho wekhredithi kuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. I- FICO Ingxaki yeNgxowa-mali Ukuqhathaniswa kubonisa ukuba iintlawulo ezisezantsi zithintela umntu onomyinge ophezulu wekhredithi kwaye akukho ntlawulo yexesha elidlulileyo ngaphezu komntu onomyinge ophantsi weentengo zemali kunye neentlawulo ezidlulileyo.
Siyazi nokuba:
- Ukungaphumeleli kwentlawulo enye kwinyanga okanye ezimbini kuya kuba yinto embi kumanqaku akho.
- Ukungaphumeleli iintlawulo eziliqela kwinyanga enye okanye ezimbini zibi kakhulu.
- Ukungaphumeleli kwiinyanga ezintathu nje kuphela nje kungalunganga njengento yokuhlawula okanye ukuqokelela .
Ayikho enye i-Universal Default
Umthetho we- Credit CARD Act ka-2009 uvimbele ukungapheli kwendalo yonke , ngoko umnikeli wakho wekhadi lokuthenga ngetyala akuvunyelwe ukwandisa umyinge wakho wenzala xa ufike emva kokuhlawulwa komnye umniki wekhadi. Abanye abakhupha amakhadi ekhredithi banako, ukwandisa izinga lakho kwezinye iimveliso zeentengo zekhredithi enaloo nkampani.