Amakhadi okuthenga ngetyala ayenomda wokuthenga ngetyala-inani elikhulu unako ukuhlawulisa ngaphandle kwesihlwayo. Kodwa, abakhupheli bamakhadi abemali-khredithi abanenjongo yokuba wena ukhuphe ngaphandle kwekhadi lakho lekhredithi ngokusebenzisa umda wakho wekredithi yonke. Enyanisweni, izinto ezinokuthi zenzeke xa ibhalansi yakho yekhadi lesikredenti ifikelela okanye idlula umda wakho wesikweletu .
01 I-Score yakho yeNgxowa-mali iya kuhlahla.
Ukukhishwa kwekhadi enye yekredithi kuyinto embi kumanqaku akho. Ukukhupha zonke iikhadi lakho lekredithi libi kakhulu. Ngethamsanqa, i-credit score yakho ingakwazi ukuhlawula njengoko uhlawula umlinganiselo wakho, kodwa okokuqala, kufuneka uyeke ukudala ityala elingaphezulu.
02 Ababoleki abayi Kukuthanda.
Ukulinganiswa kwekhadi lesikweletu ngamakhredithi kungafumana i-credit card yakho kunye nezicelo zemboleko. Xa wenza isicelo sekhadi lesikweletu okanye umbolekiso, ibhanki iya kujonga ukujonga ubuninzi bekhredithi yakho ekhoyo. Ukuba izilinganisi zekhadi lakho lokuthenga ngetyala liphezulu kakhulu, iibhanki zithatha oko njengoko sele unetyala elingaphezulu kunokuba ungayisebenzisa.
03 Unobungozi Ohamba Ngaphezulu Kwemali Yesikweletu.
Nangona ugcina ibhalansi yakho ingaphantsi kwesixa sakho semali, ungasigqiba ngaphezu komda wakho wesikweletu emva kokuhlawulwa kweetyala kwi-balance balance. Xa ibhalansi yakho ihamba phezu komda wakho wesikweletu, kunokuba nzima ukuyibuyisela phantsi, ingakumbi ukuba uhlawula ubuncinci kuphela obunomdla kunye neyona ncinane yekhadi lakho lekhadi lesikweletu.
I-Balance is Harder Yokuhlawula.
Ngokuxhomekeke kumda we-credit card, ibhalansi yekhadi lesikweletu ingathatha iminyaka ukubuyisela, ngokukodwa ukuba wenza kuphela intlawulo encinci nganye ngenyanga. Unokucwangcisa ukuhlawula ibhalansi ngokugcwele, kodwa ukuhlukana kunye nenkokhelo eninzi kunokuba nzima kunzima ukuyenza njengoko umhla wokuhlawula ozayo ufikelela .
05 Ungayenza iNqanaba leNkundla.
Ikhampani zekhadi zesikweletu zinelungelo lokuphakamisa inzala yakho yekhadi lesikweletu xa ungekho phantsi kwemiqathango yekhadi lakho lesikweletu ngokukhawuleza ngekhadi lakho lekhredithi. Inqanaba lesohlwayo ngumdla ophezulu kwikhamphani yekhadi lesikredenti inokuhlawula kwaye ingaba ngamaphesenti angama-30 okanye ngaphezulu kuxhomekeka kumagama akho ekhadi lesikweletu. Inqanaba eliphezulu lentengo esetyenziselwa ibhalansi ephezulu liyingozi kwicebo lakho lokubuyisela ikhadi lesikweletu.
06 I-Payment Minimum iphakamileyo.
Inkokhelo encinci yekhadi lakho lekhredithi isekelwe kubukhulu bekhadi lakho lekhadi lesikweletu. Njengoko ibhalansi yakho ikhula ngoko ke iintlawulo zakho zincinci zenyanga. Ukukhishwa kwekhadi lakho lekhredithi kwandisa inani elifunekayo ukuba lihlawule inyanga nganye, kodwa njengoko kushiwo ngasentla, ubuncinci kuphela kwenza umncinci, umphumo ongenakubonakala kwikhadi lakho lekhadi lesikweletu.
Ukuba sele sele unenkathazo yokunamathela kwisabelomali kwaye ufezekise, uhlawulo oluphantsi luya kufaka ubuninzi ngakumbi kwiimali zakho.
07 Ikhadi lakho lesikweletu alikho ixesha elide elincedo.
Esinye sezizathu zokufumana ikhadi lekhredithi mhlawumbi ukuze ube nokufikelela kwikhredithi xa ufuna. Nangona kunjalo, emva kokuphuma kwekhadi lakho lekhredithi, ushiywe ngaphandle kwekhredithi ekhoyo. Yilapho ikhadi lakho lekhredithi livakalelwa ngokwenene njengomthwalo.
Ngeke ukwazi ukusebenzisa i-credit yakho ngexakeka okanye nokuba ubhale imoto yerenti okanye ihotele. Unokufumanisa kunzima ukuhlawula ikhadi elikhatywayo ngekhredithi kuphela ngenxa yokuba uninzi ukuhlawula ukwenzela ukuba wenze umlinganiselo omncinci.