IiNzuzo zeeNtlawulo zeKhadi leMatyala
Njalo ngoku, unokulingwa ukuba ulahle inkokhelo yekhadi lakho lesikweletu ngeentsuku ezimbalwa, ngokukodwa xa uphantsi kwekheshi kwaye unesiqhelo sezinye iindleko. Ngamanye amaxesha, nokuba ukwazi imiphumo kukunika nje ukunyusa kufuneka uthumele i-credit card yakho ngexesha. Unako ukulinganisa imirhumo yexesha elide, ude ufunde ukuhlala kunye nesantya sokwenyuka kwesantya, okanye ngakumbi, ukhethe ukuxhatshazwa umonakalo wamanqaku kwintlawulo kwintlawulo yokugqibela. Kodwa, chukumisa ezo ngcamango ngaphandle kwaye ucinge ngeenzuzo zokwenza intlawulo yakho ngexesha.
01 Iingxelo zakho zihlala ziqokelelwe.
Amanye iinkampani zekhadi zekredithi ziphendulela kwii- arhente zokuqokelela amatyala xa abathengi babo bengathumeli iintlawulo zekhadi lesikweletu ngexesha. Nokuba ibhalansi encinane yamakhadi ekhredithi ingathunyelwa kwi-arhente yokuqokelela ukuba iya kuhlawulwa iinyanga eziliqela.
Emva kokuba i-akhawunti iqokelelwe, awusenakho ukhetho lokwenza iintlawulo ezincinane zenyanga. I-arhente yokuqokelela iya kufuna i-balance balance kwaye ngamanye amaxesha nemali eyongezelelweyo, njengoko kuvunyelwe ngumthetho. Ii-arhente zokuqokelela zidibanisa ngokuphindaphindiweyo de uze uhlawule kwaye unakho ukubeka i-akhawunti ye-delinquent kwingxelo yakho yekhredithi. Bhatala ngexesha kwaye unokuphepha ukusebenzisana nabaqokeleli beetyala.
02 Jabulela inzala engaphantsi.
Ukuhlawulwa kwexesha elide kunokuhlawula ixabiso lakho eliphantsi. Abaniki bamakhadi bamakhadi bavunyelwe ukwandisa umyinge wakho wenzala ukuba uneminyaka engaphezulu kweentsuku ezingama-60 ekupheleni kwekhadi lakho lokuthenga ngetyala. Inqanaba lentlawulo yesitya kumakhadi amaninzi akwi-30%.
Ngoxa ixabiso lesohlwayo liya kuphelelwa lixesha ukuba uhlawula ngexesha leenyanga ezintandathu ngokulandelanayo, kwezinye iimeko, ireyithi yesigwebo iya kuqhubeka isetyenziselwa ukuthenga okutsha nje kuphela ukuba unaloo khadi lekhredithi. Ukuhlawulwa kwekhadi lakho lesikweletu ngexesha kukuvumela ukuba uqhube umlinganiselo wenzalo ephakamileyo kumakhadi wakho ekwereta.
03 Gwema iifizi zokugqibela.
Unokuhlawulwa umrhumo wexesha elifutshane emva kwemizuzu emva kokuhlawulwa kwekhadi lakho lesikweletu. Gwema imali ehlawulwa ngokukhawuleza (phakathi kwe-$ 15 ne-$ 35) ngokuthumela ikhadi lakho lokuthenga ngetyala ngexesha.
Yenza inkokhelo yekhadi lakho lesikweletu ngaphambi komhla ofunekayo ukuphepha umngcipheko wokulahleka ixesha lokuhlawula.
04 Ukuphucula umlinganiselo wakho wekhredithi.
Ipesenti ezingamashumi amathathu nantlanu (35%) zamanqaku akho ekhredithi zixhomekeke ekubeni ngaba iintlawulo zekhadi lakho lekhredithi zenziwa ngexesha. Amanqaku akho ekhredithi azuza kakhulu xa uhlala wenza iikhodi zekhadi lakho lesikweletu (kunye nezinye iintlawulo zakho) ngexesha.
05 Fumana amanqanaba e-inshurensi ephantsi.
Iinkampani ze-inshurensi ziyaqhubeka zisebenzisa amanqaku akho ekhredithi ukuze zifumane ixabiso le-inshorensi Xa ukuhlawulwa kwekhadi lesikweletu sexesha elidlulileyo kunciphisa umlinganiselo wakho wekredithi, ixabiso le-inshurensi yakho landa xa ixesha lokuhlaziywa kwakho. Ukuthumela ukuhlawulwa kwekhadi lakho lesikweletu ngexesha kukunceda ufumane umgangatho we-inshorensi ephantsi kakhulu kwaye ngoko kukunceda ugcine imali.
06 Gcina iintlawulo zakho zenyanga ziphantsi.
Xa ukuhlawulwa kwekhadi lakho lekhredithi lide, inkokhelo yakho elandelayo iya kubakho ngaphezu kokuphindwe kabini oko bekuya kwenzeka ukuba awuzange ulahlekelwe intlawulo. Kungenxa yokuba ukuhlawulwa kwekhadi lakho lokuthenga ngetyala kuya kubandakanya iintlawulo ezimbini ezincinane kunye nentlawulo yexesha elifutshane. Ukuba unenkathazo yokwenza i-credit card yakho yokuhlawula, ukuyikhupha ayiyi kuba lula ukuhlawula. Kunoko, into eyenzekayo kwaye iyanzima ngakumbi ukuba ibanjwe.
07 Gcina ikhadi lakho lekhredithi ngokuma kakuhle.
Ukungahlawulwa kwekhadi lesikweletu kukubeka engozini yokuba nekhadi lakho lekhadi elikufutshane. Oku kunokulimaza amanqaku akho ekwereti, ngokukodwa ukuba unomlinganiselo wekhadi lesikweletu. Qhubeka uthumela ukuhlawulwa kwekhadi lakho lesikweletu ngexesha ukwenzela ukuba i-akhawunti yakho ihlale ivulekile kwaye isimi kakuhle.