Unokucinga ukuba i-credit engalunganga ikugcina nje ukuba ungayifumana kwikhadi le-credit card okanye mboleko, kodwa iya phambili kunoko. Iingxowa-mboleko ezimbi ziyakushiya ungenamakhaya, ungenasiphelo, kwaye ungasebenzi. Kungenxa yokuba ezininzi iinkampani zisebenzisa i-credit yakho ukwenza izigqibo ngawe. Akukaqinisekanga ukuba lixesha lokufumana i-credit yakho kunye? Nazi izizathu ezili-15 ezifunekayo zokulungisa i-credit yakho.
01 Londoloza iMali kwiNzala
Amanani okuthenga ngetyala aphantsi kakhulu athetha iirhafu eziphezulu , kwaye oko kuthetha iindleko eziphezulu zezemali kwii-balance balance card. Ukulungiswa kwekhredithi yakho kunokukuvumela ukuba ufumane inqanaba lomdla wokuncintisana ngakumbi kwaye unqande kwimali oyihlawulayo inzala.
02 Yeka ukuhlawula iifomosti ezikhuselekileyo
Ababoneleli ngeenkonzo zenkonzo kunye neenkampani zeefowuni zijonge ikhredithi yakho ngaphambi kokuba ikuvumele ukuseka inkonzo. Ukunciphisa umngcipheko wokungagqibekanga, abo banikezeli ngeenkonzo banihlawula idiphozithi. Ukwenza iintlawulo zakho ngexesha liza kukuvumela ukuba ufake idiphozithi yakho. Ukuphucula umlinganiselo wakho wekhredithi kukugcina ukuba uhlawule idiphozithi ngokupheleleyo.
03 Thola iNqanaba leNtshurensi eliphantsi
Yikholwa okanye ayikho, i- credit yakho ithinta ama-premiums akho . Oku kubandakanya i-auto, ubomi, kunye ne-inshurensi yasekhaya. Imbali yebhanki embi ithetha ukuba uya kuhlawula imali engaphezulu kwinshurensi kunokuba ungayenza ukuba unetyala elingcono.
04 Yeka Ukuhlawula imali Yonke into
Ukuba unetyala elibi, kuya kuba nzima ukufumana ikhadi lekhredithi, oko kuthetha ukuba uya kugqiba ukuhlawula imali yonke into. Akunakuba yinkathazo de ufune ukwenza into efana nokuqasha imoto, apho kufuneka ukhokhe idiphozithi eyongezelelweyo xa ungasebenzisi ikhadi lekhredithi.
05 Fumana i-Higher Credit Limit
Ngokuqhelekileyo, njengoko ubonisa ukuba unakho ukuhlawula ibhilikhwe yakho ngexesha, ababolekisi bakho baya kukwandisa umda wesikweletu sakho . Kodwa, ngaphambi kokuba umniki wekhadi lokuthenga ngekhredithi ahlole umvuzo wakho wekredithi ngaphambi kokuba ukwandise umda wakho wemali. Ingxelo embi yekhredithi ingafumana umlinganiselo wakho wekredithi unqumle ukuphazamisa amanqaku akho okweleta ngetyala ngokuphakamisa ukusetyenziswa kwekhredithi yakho.
06 Yeka amatyala okuqokelela ukuxhatshazwa
Ukulungiswa kwekhredithi yakho kubandakanya ukuhlawula loo ma- akhawunti ekuqokelelwa kwetyala . Ukuze uyenze, ubhekana neefowuni ezingapheliyo kunye neencwadi ezivela kubaqokeleli beetyala. Ngoxa unako ukuthatha inyathelo lokuyeka iifowuni zokuqokelela amatyala, ii-akhawunti zokuqokelela zihlala zisuka kwelinye iqela eliqokelelwa kwelinye icala. Xa umqokeleli omtsha efumana ityala lakho, uya kufuneka uhambe kwinkqubo yokuthumela iileta ukuyeka iifowuni kwakhona.
07 Uziva Ulunge Ngomvuzo Wakho Wesikweletu
Emva kokuba ulungise i-credit yakho, awuyi kuyika ukukhangela amanqaku akho okwekhredithi okanye ngakumbi, ukuba omnye umntu ahlole. Unokuzithemba ukuba uyazifumana umvuzo wempilo.
08 Thenga iNdlu entsha
Ubunini bezindlu zobuKhaya besihlala i-American Dream. Iingxowa-mali ezimbi ziyinto ebangela ukuba ungayiqondi loo phupha. Iibhanki ezininzi aziyi kukuboleka imali yokuboleka imali uze ulungise i-credit yakho. Abo baza kukuvuma ngezinga eliphezulu lomdla elenza ubunini bendlu bubiza iindleko ezininzi.
09 Ukuqeshisa iGumbi
Akunakwenzeka nje ukuba i-credit card ingakugcini ekuthengeni ikhaya, inokukugcina ekuqeshweni indlu. Abanini bamatye abaninzi ngoku bajonga ingxowa-mboleko ukuba baqinisekise ukuba uya kuba sekwephuzile kwirenti yakho. Ikhredithi embi ingayifumana isicelo sakho sokuqeshisa.
10 Thenga Intengiso entsha (okanye entsha)
Ababolekisi ngokuzenzekelayo baphakathi kwamashishini amaninzi ahlola ingxowa yakho ngaphambi kokuboleka. Ngaphandle kwemilinganiselo enetyala yekhredithi, isicelo sakho sokubolekwa ngemali mboleko singanqatshwa sishiya ukuqhuba isithuthi esifanayo.
11 Yenza umsebenzi
Abaqeshi bajonga ingxowa ngaphambi kokuba benze isigqibo sokuqesha. Olunye urhulumente, iimali, ulawulo, kunye nemisebenzi yolawulo ngokukhethekileyo banomdla malunga nembali yakho yezemali. Ingxelo embi yematyala ingakuhlawulela umsebenzi, okanye ukukhuthazwa osebenza nzima ukufumana.
12 Thatha ingcinezelo yezeMali kwiNkwenkwe yakho
Xa elinye iqabane lifumana ikhredithi engcono kunomnye, iqabane elinekhredithi elifanelekileyo liya kuba lifaka isicelo semali-mboleko kunye namakhadi-mboleko. Ukuphucula i-credit yakho kuya kukuvumela ukuba uthwale ezinye ze-credit-brunt kunokuba uzibeke ngokupheleleyo kwiqabane lakho.
13 Yeka ukuxhomekeka kwi-Co-Signers
Xa unetyala elibi, uzakufuna ukuba abanye babhalisele iimali-mboleko zakho kunye namakhadi-mboleko. Ukuba unokufumana umntu ukuba angene ngemvume, ubeka uxinzelelo lwezezimali kubo kodwa abafumani naziphi na izibonelelo. Ukulungiswa kwekhredithi yakho kukulondoloze ixesha kunye nokuphazamiseka kokunyamezela omnye umntu kunye namasayineli.
Qalisa ishishini lakho
Ukuqalisa ishishini elitsha lithatha imali, abatyhishini abaninzi bancike kwiimali-mboleko zincinci zorhwebo ukuze zenze amabhizinisi abo emhlabathini. Ikhredithi embi ingakugcina ekufumaneni imali oyifunayo ukuqala ishishini lakho elitsha. Uya kufuneka uphucule i-credit yakho ngaphambi kokuba ibhanki ikunike imali mboleko.
15 Khusela amanqaku akho kwiNkcazo yabantwana bakho
Ukuba netyala elibi lingakuhendela ukuba usebenzise i-credit card yomntwana wakho. Unokucinga ukuba awuyi kuyenza loo nto kodwa awukwazi ukuba uza kwenza ntoni xa uswelekile. Yithi kufuneka ube nombane, kodwa i-credit yakho ayibi kakhulu. Ungakwazi ukulungelelanisa lula ukusebenzisa i-credit card yengane yakho ukuba ugesi uguquke. Gcina yakho ityala elihle kwaye awuyi kucinga ngokuxhaphaza umntwana wakho.