Uza kuqeshisa kunye neenkonzo zokuhlawula, mhlawumbi inqaku lemoto, kunye neengxowa-mboleko zabafundi ukuba uzisebenzisa. Oku kunokwaneleyo kwinto enye-20, ngaphandle kwikholeji, ukucinga malunga nenyanga nganye.
Ngaphambi kokuba uhambe ukuya ekampus lokuwa, qiniseka ukuba uqonde ezinye iziseko eziza kukunceda uhlale ngaphandle kwetyala lekhadi lesikweletu.
Iikharityhulam zeKhadi leKharityhulam Abafundi beKholeji yoLuthando
Abafundi beKholeji bayinzuzo yekhampani yekhredithi. (Ukuba awubonanga i- documentary Maxed Out , jonga ngaphambi kokuba unyuke unyawo kwi-campus.) Bafuna ukukufumana xa usencinane ngenxa yezizathu ezimbalwa. Okokuqala, banomdla oqinileyo abazali bakho baya kukhwela ngawo xa uqhuba i-bill credit card yakho. Okwesibini, unobomi obuninzi bentengo phambi kwakho. Oko kuthetha ukuhlawulwa kweminyaka emininzi yemali kwiikhampani zekhadi lesikweletu.
Kwixesha elidlulileyo, iinkampani zekhadi lesikredenti zazilambile kakhulu kubafundi beekholeji, zavuma izicelo nakuba abafundi bebengayithobeli imigaqo. Ngokomzekelo, umfundi wekholeji unokufumana ikhadi lekhredithi elingenamsebenzi, akukho ngeniso engenakuqinisekiswa, akukho mlando wekhredithi, kwaye nangaphandle kokuba ungabhaliswanga. Utshintsho olutsha kumthetho wekhadi lesikweletu ngoku lufuna iinkampani zekhadi lesikredenti ukuqinisekisa ubungeniso bomfundi ngaphambi kokuba banike ikhadi lokuthenga ngetyala ngekhadi lesikweletu.
Abafundi abangenayo ingeniso kufuneka bafumane i-cosigner ukuba bafaneleke.
Ukuba ubona inkampani yekhadi lekhredithi kwi-campus yakho, mhlawumbi bakhokhela umlawuli wakho weekholeji umrhumo, ngamanye amaxesha izigidi zeedola, ukuze ukwazi ukuthengisa iimakhadi zekredithi kuwe. Iikholeji nazo zifumana ukukhawulwa kwekharityhulam kuzo zonke iikhadi lekhredithi evuliwe kwaye ngamanye amaxesha iipesenti zentlawulo ezenziwe.
Iikhampani zekhadi lokuthenga ngetyala zihlawula ukuthengisa amakhadi-ngetyala kubafundi kuba bebhanki kubafundi abakwenzayo kwiirhafu kunye nemirhumo.
Iimpawu zeNtengiso zeNkampani zeKhadi leKhadi
Iikhampani zekhadi zekhredithi ziyakuqonda ngokwenene iikholeji zabantu. Unokuzixelela ngamaqhinga okuthengisa abasebenzisa ukunyanzela abantu abadala ukuba bafake izicelo zamakhadi amatyala amatsha. Ezi ziqhinga ziquka ukunika into ethile "ngesikolo."
Lindela ukubona abameli bekhadi lekhredithi kwi-campus okanye banikezela izinto ezikhululekile kwizicelo zekhadi lesikweletu. Umthetho ubavimbela ukuba banike izinto ezibonakalayo ezifana ne-t-shirts okanye i-frisbees kwi-campus, kodwa umthetho awuvumeli izinto ezingabonakaliyo, njengesiqwenga sesitshixo samahhala kwindawo yokudlela yasendaweni okanye ingxelo yekhredithi kwikharityhulam yakho entsha.
Iikhampani zekhadi zekhredithi zinokuthi zinike izinto ezibonakalayo, nje kwindawo ekhoyo kwikampus. Izinto ezikhululekile ziyamnandi, kodwa oku akuyona indlela yokutyikityha kwikhadi lekhredithi. Ngaba akufanele usolazele inkampani egoba imithetho ukuze uzame ukukunika umveliso? Akusiyo nje isanti yesihlunu ofumanayo xa ubhalisela kwikhadi lekhredithi. Ubhalisela ithikithi kwisiTyala soMculo se Broadway esikukhangelayo . Kungakhathaliseki ukuba uhamba okanye awukho, kufike kuwe.
Ubungcono ukuthenga ngeenxa zonke
Xa ulungele ikhadi lekhredithi , ungabhaliswanga kwinqanaba lokuqala. Endaweni yoko, thelekisa ivenkile ngendlela onokuyifumana ngayo imoto entsha. Khangela amakhadi amathenda ahlukeneyo kwaye ukhethe enye into efanelekileyo. Kancinci, ikhadi lakho lekhredithi akufanele libe nemali yonyaka kunye nenzala ephantsi. Iidable kunye namadokodo kunye nasekufutshane neenkampu ziinkampani zekhadi zesikweleti enye-ndlela zizama ukufikelela kubafundi. Ngoku, baqalise ukuthumela i-imeyli kubafundi kwaye banxusa ukubhaliswa kwekhadi lekhredithi kwi-Facebook.
UMthetho we-Federal on Cards Credit kubafundi beKholeji
Iikhampani zekhadi zekhredithi zivunyelwe ukunikezela ngamakhadi ekredithi kubafundi kunye nabaselula abaneminyaka engaphantsi kwe-21 abangenayo imali engenayo okanye i-cosigner. Nangona kunjalo, umthetho awucacisi ukuba yiyiphi inzuzo njengemali engenayo okanye yeyiphi na inkcazo yeenkampani zekhadi lesikredenti kufuneka zifumane ngamakhadi-mboleko.
Umgca ophantsi - kungakhathaliseki ukuba kukhangeleka njani ikhadi okanye isipho sesihlawulelo, ungcono ukukhangela ikhadi lakho lesikweletu. Funda indlela yokusebenzisa i-credit ngokufanelekileyo ngoko-ke awukho omnye kwabafundi abanezifundo kunye namawaka kwi-credit card.