Usenokuba ufunde ukuba ukuvala ikhadi lekhredithi kunokulimaza amanqaku akho okwereta, kodwa ngaba oko kuthetha ukuba kufuneka ushiye amakhadi ekhredithi avule ngonaphakade ukuze ukhusele umlinganiselo wakho wekhredithi? Ukuba uzama ukugcina amanqaku akho ekwereti ekumeni kakuhle, ukwazi ukuba kufuneka uhlale ixesha elide kangakanani ukugcina ikhadi lekhredithi liya kukunceda ukuba wenze isigqibo sokuba yeyiphi ikhadi lekhredithi yemali-mboleko yokuhlala uvulekile kwaye ungayifumana.
Amakhadi amatyala amatsha
Ukuba usanda kuqalisa ukusebenzisa i-credit kwaye usandula ukufumana ikhadi lakho lokuqala lokuthenga ngetyala , ukubethelela ukugcina loo makhadi evulekile ubuncinane kwiinyanga ezintandathu.
Lelo lixa elincinci lexesha lokuba ube nokwakha umlando wesikweletu ukubala amanqaku ekhredithi. Gcina ikhadi lakho lokuqala lekhredithi livule ubuncinci de ufumane enye ikhadi lekhredithi.
Imivuzo yeMakhadi
Ukuvala umvuzo wakho wekhadi lesikweletu kunokubangela ukuba ulahlekelwe yimbuyekezo ongayisebenzisi okwamanje. Ukuba uthe wagxotha ibhonasi yokubhalisa okanye ufumene umvuzo kwiinyanga eziliqela ezidlulileyo, gcina ikhadi lakho lekhredithi livule ngokwaneleyo ukusebenzisa imivuzo yakho. Hlola imiqathango yemiphumo yakho yemivuzo ukufunda ukuba unokudlulisela umvuzo wakho kwenye inkqubo yovuzo.
Amakhadi aMatyala angasetyenziswa
Amakhadi ekhredithi angasetyenziswa ayenomngcipheko wobuqhetseba. Ukuba awusebenzisi ikhadi lokuthenga ngetyala kungakuthatha ixesha elide ukufumanisa iindleko zobuqhetseba. Ngaphezulu, umnikeli wakho wekhadi lokuthenga ngetyala angayisebenzisi okanye akhuphe ikhadi lakho lekredithi ukuba awuyikusebenzisa iinyanga eziliqela. Sebenzisa iikhadi lakho lekredithi rhoqo kwaye uhlale ufunda izitatimenti zakho zentlawulo , nangona ucinga ukuba unokulinganisela.
Ekhusekileyo okanye Amanye Amakhadi Eenkokhelo zeNgxowa-mali engekho
Ukwakhiwa kwakhona kwimbali embi yesikweletu ngamanye amaxesha kuthatha ukuwamkela amakhadi ekweretyana ngamanani amanqanaba aphezulu, imilinganiselo ematyala aphantsi, iimali zonyaka, okanye iimfuno zokugcina ikhuseleko. Nangona la makhadi ekhredithi ayenzela ukubonisa ukuba uvuselele umkhwa wakho wokuziphatha ngetyala, abagcini.
Unokuvala enye yale "makhadi" athetha ngokukhawuleza ukuba unako ukufumana into engcono. Xa uwakha okanye uvuselela amanqaku akho ekhredithi, ujolise ukufumana amakhredithi angcono kwaye angcono.
Amakhadi aMatyala aphantsi
Amakhadi esikwereti kunye nomda ophantsi wokuthenga ngetyala abuye abe ngabaviwa bokuvala, ingakumbi ukuba unamanye amakhadi e-credit card. Akunjalo ukuba umlinganiselo omncinci wamakhadi ekredithi awonakalisa amanqaku akho ekhredithi, nje ngokuba la makhadi eemboleko kunye nemida ephantsi ayakuzuzi. Kungenzeka ukuba amakhadi akho ekhredithi aphantsi agcina amakhadi ekhredithi anexabiso lentengo ephezulu kwaye ayilona makhadi amakhredithi athile kakhulu kwindawo yokuqala. Ngaphezulu, i-credit score score calculation inikezela ubunzima bokugcina amakhadi enkredithi, ngoko awuzukuphucula kakhulu xa unabo.
Emva kokuhlawula okufutshane
Ngoxa uhlawuliswa imali ehlawulwa emva kwexesha ukuba imali yakho ayifumaneki ngomhla ofunekayo, ii-credit bureaus azikwaziswa kuze kube yimallawulo yakho ubuncinane iintsuku ezingama-30 ezidlulileyo ngenxa. Iintlawulo ezimbini zokugqibela, nangona kunjalo, zingakhokelela ekunyuseni kwezinga lentengo eliya kuhlala lide ubuncinane kwiinyanga ezintandathu. Ukuba amagama akho kwikhadi lekhredithi avumela umniki wekhadi-mboleko ukuba ashiye ixabiso lesohlwayo ngokusisigxina , unokucinga ngokuhlawula imali kunye nokuvala ikhadi lekhredithi.
Gcina ukhumbule ukuba ukuvala ikhadi lakho lekhredithi akususi umlando wesikweletu kwi ingxelo zakho zemali. Ukuhlawulwa kwexesha elizayo kuya kuqhubeka kubikwa kwingxelo yesixa seminyaka esixhenxe yokuthenga ngetyala.
Impembelelo yeMaphu
Ukugqiba ukungagcini ikhadi lekhredithi kungavulela umlinganiselo wakho wekhredithi, ngokukodwa ukuba ikhadi lakho lesikwerethi linomlinganiselo omhle weentengo zemboleko. Iingeniso zakho zemali zekredithi ukusuka kusetyenziso oluphantsi kweebredari ; xa umlinganiselo wekhadi lakho lekhadi lekhredithi kumlinganiselo wokuthenga ngetyala uliphantsi. Olu hlobo lwekhadi lekhredithi lunceda i-credit card yakho ibone amaninzi xa amanye amakhadi akho ekhredithi anezilinganiso; Ikhredithi ekhoyo kwikhadi lekredithi elinye linciphisa i-credit card yakho. Kodwa ukuba zonke izilinganiso zekhadi lakho lesikweletu ziphantsi, okt: ngaphantsi kwe-30% yomda wesikweletu, ukuvala ikhadi elinye akumele kulimaze amanqaku akho kakhulu.
UkuHlola iiKhadi zakho zeMatyala
Ukugcina amakhadi akho ekhredithi avulekileyo akuyi kuba yingozi kumvuzo wakho wekhredithi. Hlola zonke iikhadi lakho lekredithi ngokukhawuleza ukuthelekisa imigaqo nganye. Unokuqwalasela ukugcina abo abanomyinge omncinci wenzalo, imilinganiselo engcono yeentengo zemali, okanye inkqubo efanelekileyo yokuvuza kunye nokuvala abanye.