Iinkcazo zeSicelo seKhanethi yeTyala
Ukuba uvunyiwe kwikhadi lesikweletu, uya kufumana ngokukhawuleza. Xa unqatshelwe, kunjalo, imeko ehluke ngokupheleleyo. Abaniki bamakhadi abemali-mboleko abanqabile ukuba bakuxelele kweso sizathu sokuba isicelo sakho sekhadi lesikweletu sikhishwe. Kunoko, bathumela ileta, inobumba yesenzo esingalunganga , kwiintsuku ze-7-10 zoshishino zesicelo sakho esinikeza iinkcukacha ezininzi malunga nesigqibo.
Incwadi yesenzo esilungileyo iya kukunika isizathu esithile okanye isizathu sokuba isicelo sakho sekhadi lesikweletu sikhishwe. Ileta iya kuqukwa nemiyalelo yokufumana ikopi yamahhala yengxelo yakho yekhredithi ukuba enye isetyenziswe kwisigqibo. Ngelixa ulindele ukufumana ileta yakho, nakhu izizathu ezinokwenzeka ukuba isicelo sakho sekhadi lesikweletu sinqatshelwe. Ukuba uqhelaniswe nembali yakho yekhredithi, unokukwazi ukuqaphela ukuba kutheni isicelo sakho siphihliwe.
01 Imilinganiselo yakho yeMali-mboleko iphezulu kakhulu
02 Iimali zakho zeekhadi zeKredit Credit ziphezulu kakhulu
Iikhampani zekhadi zekhredithi zifuna ukubona ukuba usebenzisa kuphela inxalenye yesikweletu esikhona kuwe. Ukuba usebenzisa i- credit card yakho eninzi, ngokukodwa xa uxhonywe ngaphandle, unokuba nethemba lokuba isicelo sakho sekhadi lesikweletu sikhishiwe. Ukugcina izilinganiso ezingaphantsi kwe-30% kukulungele ukuba umlinganiselo wakho wekredithi kunye namathuba akho okuvunywa.
03 Kunemibuzo emininzi kwiNgxelo yakho yeMboleko
Ukufaka isicelo samakhadi amaninzi kunye neengxowa-mboleko ngaphakathi kwithuba elincinci lingafumana isicelo sakho sekhadi lesikweletu, ngaphandle kokuba uvunyiwe ngamanye amakhadi-mboleko. Nciphisa imibuzo yakho yekhredithi ukuphucula amathuba akho okufumana isicelo sakho sekhadi lesikweletu esilandelayo.
04 Imali Yakho Imali Ephantsi
Imali engenayo efunekayo kwikhadi lekhredithi lichaneka ngumkhupheli wekhadi lesikweletu . Isicelo sakho sekhadi lesikweletu singavunyelwa ukuba ungenzi imali eyaneleyo kwikhadi lekhredithi okanye ukuba unayo ingeniso yakho. Abaniki bamakhadi abakhredithi abashicileli iimfuno zentsingiselo ezincinci kumakhadi abo okuthenga ngetyala, ngoko kuya kuwe ukuba uqikelele ukuba yeyiphi amakhadi enkokhelo afanelana nengeniso yakho.
05 Unamaphepha amaninzi eemeko
Inani lamakhadi-mboleko osuke unakho unokuchaphazela ukuba ngaba isicelo sakho sekhadi lesikweletu siphiwa. Akukho namba yendawo yonke esebenza kuzo zonke izicelo zekhadi lesikweletu. Esikhundleni salokho, ihlukahluka ngumkhupheli wekhadi lesikweletu.
06 Unokuqokelela ngokutsha okanye uRekhodi kawonkewonke
Njengoko ixesha liqhubeka, iifowuni kunye neirekhodi zoluntu zichaphazela i-credit yakho ngaphantsi. Nangona kunjalo, oku kukulimaza i-credit yakho kakhulu xa beqala ukuvela kwingxelo yakho yekhredithi . Ezi zibizo ezinzulu zibonakalisa inkampani kwikhadi lekhredithi ukuba unayo imali eyaneleyo yokuhlangabezana neemfanelo zakho zemali.
07 Ukutshatyalaliswa Kwakho Okugqibela Kwakukunje
Abaniki bamakhadi bamakhadi bajonga ngaphezu kokuphela kohlobo lokugqwetha. Baphinde baqwalasele ukuba kusele ixesha elingakanani ukususela ekugqibeleni. Ukuhlawulwa kwexesha eli -90 emva kweenyanga ezintandathu ezedlulileyo kuya kukulimaza amathuba akho okuvunyelwa ngaphezulu kweyodwa kwiminyaka emithandathu edlulileyo.
08 UnesiXhoxiso-mali kwiNgxelo yakho yeMali
Ukuhlawulwa kwemali yesikali sekhadi lesikweletu esazange sihlawulwe iinyanga ezintandathu okanye ngaphezulu. Ngenye yezinto ezimbi kakhulu ezibonakalayo kwingxelo yakho yekhredithi. Ukunyaniseka, ukuba awukwazanga ukuhlawula elinye ikhadi lekhredithi, inkampani entsha yekhadi lesikweletu iya kunqikaza ukukunika ikhadi lekhredithi. Ukuhlawula ibhalansi yokuhlawula imali kuya kuphucula amathuba akho okuvunyelwa.
09 Unayo Ifayile Ethunayo okanye Imbali Yesikweletu Esinganyelwe
Unokuphikiswa ukuba awuzange ube nekhredithi ngaphambili okanye ukuba unamava amaninzi ngekhredithi. Ukuba awunayo ubuncinane enye iakhawunti esebenzayo kwiinyanga ezintandathu ezedlulileyo, i- FICO ayikwazi ukuvelisa amanqaku okuthenga ngetyala . Ngaphandle kwamanqaku ekhredithi, inkampani yekhadi lekhredithi iyakunqabela isicelo sakho. Ukuba uqala nje ngekhredithi, qwalasela ikhadi lekhredithi elikhuselekile okanye ikhadi lekhredithi yomfundi.
10 Awuneminyaka endala ngokwaneleyo ukufumana iKhadi leMatyala
Ukuba uneminyaka engaphantsi kwe-18, mhlawumbi unokuba isicelo sakho sekhadi lesikweletu siphiwe ngenxa yokuba uneminyaka engemthethweni yokufumana ikhadi lekhredithi. Kukho okunye okungafaniyo. Ngokomzekelo, unako ukufumana imvume kumakhadi-mboleko ukuba unayo ingeniso yakho kwaye sele udibene njengomsebenzisi ogunyazisiweyo kwikhadi lekhredithi yabazali bakho.
11 Awuzange Ugcwalise ngokupheleleyo iSicelo
Ukuba isicelo sakho sishiya ulwazi olubalulekileyo, njengedilesi yomzimba okanye usuku lokuzalwa, unobungozi bokuphika. Into enhle malunga nezicelo ezininzi zekhadi lekhredithi ye-intanethi kukuba kaninzi abayikukuvumela ukuba ufake isicelo ngaphambi kokuba sigqibe. Ngaloo ndlela, unqanda umngcipheko wokuba isicelo sakho sekhadi lesikweletu saliwe ngenxa yokuba asizange sigqibe.
12 Awuzange ube kwiYobhi Yakho yangoku ixesha elide
Imbali yomsebenzi engaqinisekanga ikhokelela kwisicelo sakho sekhadi lesikweletu. Abaniki bamakhadi abemali-mboleko njengabafaki-sicelo abaye emsebenzini wabo ngokufanayo. Ukuba usebenze-msebenzi kwaye ube nexesha lokungasebenzi, unokufumana ixesha elinzima ukufumana imvume kwikhadi lesikweletu.