Ukuba nekhadi lakho lekhredithi liyancipha mhlawumbi linye yezona nkoliso ezona zihlazo ebomini bethu, ngakumbi ukuba ungowokuqala kumgca omde wabathengi okanye ngakumbi, awunayo enye indlela yokuhlawula.
Xa umniki-makhasi ehambisa ikhadi lakho lekredithi, inkqubo yokuhlawula inxibelelana nomniki wakho wekhadi lokuthenga ngetyala ukuchonga ukuba ngaba ikhadi lakho lekhredithi livumelekile kwaye unayo imali eyaneleyo yokuthengiselana.
Ukuba konke kulungile ngekhadi lakho lesikweleti, inkqubo ibuyisela umyalezo "ovunyiweyo" kwaye ukuthengiswa kwakho kugqiba. Nangona kunjalo, kwezinye iimeko, umniki wekhadi lokuthenga ngetyala ubuyisela umyalezo owehla ukuthengiswa kwekhadi lakho lesikweletu.
Izizathu ezintlanu iKhadi lakho leMali liyeke
Kukho ezimbalwa izizathu eziqhelekileyo ukuba ikhadi lakho lekredithi linqatshelwe. Ezinye zazo zingabonakali phakathi kwakho kunye nomniki wekhadi lokuthenga ngetyala. Okanye, kungenziwa ngenxa yento oyenzile nge-akhawunti yakho. Nazi zimbalwa izizathu eziqhelekileyo ezinokuthi uchaze ukuba kutheni ikhadi lakho lesikweletu liyeke.
Awunayo isikweletu esaneleyo . Ikhredithi yakho ekhoyo yohlukwano phakathi kwekhadi lakho lekhadi lesikweletu kunye nomda wakho wesikweletu. Unokuphelelwa yikratshi ekhoyo emva kokuchitha imali okanye ukuba unomlinganiselo wakho wekredithi uthinte ngokungalindelekanga. Gcina ukhumbule ukuba ugunyaziso olugcinwe kwiindawo ezifana neehotele kunye neentengiso zokuqeshisa imoto zinciphisa i-credit yakho.
Iakhawunti yakho ivaliwe . Abaniki bamakhadi ngekhadi banokuvala amakhadi enkredithi ngaphandle kwesixwayiso ngezizathu ezahlukeneyo. Okanye, kunokwenzeka ukuba umniki wekhadi lakho lekhredithi wathumela ileta, kodwa awukwamkelanga okwamanje.
Intlawulo yakho idlulileyo ngenxa . Ukuba ulahlekelwe iintlawulo ezimbalwa zekhadi lesikweletu, umniki-khadi wakho wekhredithi mhlawumbi unqamisile ukukwazi ukwenza iintlawulo ezintsha.
Uya kufuneka ukuzisa i-akhawunti yakho yangoku ukubuyisela amalungelo akho okuthenga.
Ikhadi lakho lesikweletu seliphelile . Hlola usuku lokuphela kwekhadi lakho lesikweletu. Ukuba usuku lokuphelelwa yisikhathi luye lwadlula, oko kuya kuchaza ukuba kutheni ikhadi lakho lesikweletu. Umnikezeli wakho wekhadi lokuthenga ngetyala ungathumela ikhadi lokutshintshela ngeposi. Ufuna nje ukufumana ikhadi elitsha uze ulisebenze.
I-akhawunti yakho ifakwe uphawu lokukhwabanisa . Abaniki bamakhadi bekhadi bajonga rhoqo ukuthengiswa kwekhadi lakho lesikweletu ukuze baqiniseke ukuba bafanelane nomzekelo wokuthenga kwakho. Nantoni na ngaphandle kwemikhwa yakho eqhelekileyo yokuchithwa kwempahla inokukhankanywa njengokhenqatha kwaye ibangela ukuba ikhadi lakho lekhredithi linqatshelwe.
Yintoni enokuyenza Ukuba iKhadi lakho leKhadi liyanqatshwa?
Ukuba ikhadi lakho lekhredithi liyanqatshwa, into elula ukuyenza iyigqiba ukuthengiselana kwakho kunye neminye indlela yokuhlawula-imali, ikhadi le-debit, okanye enye ikhadi lekhredithi.
Ukuze ufumane oko kwenzekayo ngeakhawunti yakho, unike umniki-khadi wakho wekhredithi umnxeba. Baya kuba nako ukukuxelela isizathu esivakalayo sokuba ikhadi lakho lekhredithi linqatshelwe. Kwezinye iimeko, njengokukhwabanisa okukrokrelayo umzekelo, umniki wakho wekhadi lokuthenga ngetyala unokulungisa loo nto ukuze ukuthengiselana kwakho kusebenze ngokuqhelekileyo.
Indlela Yokusingatha Ukungabi Nokuba neNkqubo yoKhuseleko yoKhuseleko
Umfanekiso wesimo esona sibi kakhulu sokuba ikhadi lakho lekhredithi liyanqatshiwe, kodwa lingenalo umthombo wokuxhasa imali.
Ngamashishini athile, unokumane ubeke iimpahla zakho emva kweselethi kwaye ubuyele emva kweempahla zakho xa unenye indlela yokuhlawula. Kwezinye iimeko, xa unetyala ngempahla oyisebenzisileyo okanye iinkonzo ozifumene kakade, kuya kufuneka usebenze isisombululo kunye neshishini.
Hlalani nizolile kwaye nihloniphe . Ungamangaleli umgcini okanye ivenkile. Baya kuba banomdla wokusebenza kunye nawe xa unesimo esihle sengqondo. Buza ukuba uya kuvunyelwa ukuba ubuyele kwishishini emva koko ukulungisa ibhalansi yakho emva kokuba usombulule umba okanye ufumene enye indlela yokuhlawula. (Unokwenza ukuba uthethe kumphathi ukuba wenze le sicelo.) Nika ishishini ulwazi lwakho loqhagamshelwano njengesiqinisekiso esincinci sokuthi ungaqhagamshelana nentlawulo.
Ukunikezela ukuyeka isahlulo sokubambisa uze ubuye .
Ukuba ishishini lithemba ukukuvumela ukuba ushiye ngaphandle kokuhlawula i-bill yakho, vumela ukushiya into kunye nokuqinisekisa ukuba uya kubuya.
Shayela umntu uncedo . Umhlobo okanye ilungu lentsapho unokukwazi ukuhlawula ifowuni okanye ukuzisa umthombo wokugcina imali ukuze unakekele intlawulo yakho. Ngaloo ndlela, uya kuthi uhlawulwe ngumhlobo wakho kunokuba ushishino.
Ukuba nekhadi lakho lekhredithi liyanqatshelwe lihlala linokwenzeka. Nangona wenze zonke iintlawulo zakho ngexesha kwaye ugcine ikhadi lakho lekhredithi ngokuma kakuhle, awuyazi into eyenzekayo kwikhadi lekhredithi. Zisoloko zithatha ubuncinane iifom ezimbini zokuhlawula kunye nawe, umz. Ikhadi lekhredithi kunye nekhadi lokubambisa. Ngaloo ndlela awuyi kukhawulela ingxaki yokugqiba intengiso.