Unokuchitha kuphela imali ethile ethile kwikhadi lakho lesikweletu. Umnikeli wakho wekhadi lesikweletu unika umda wekhredithi kwi-akhawunti yakho eyona mali ephezulu ehlawulwayo ovunyelwe ukuba nayo kwi-akhawunti yakho nayiphi na ixesha. Unako ukuqhubeka uthengisa ukufikelela kwisixa semali yakho yemingeni ngokukhawuleza ukuba unayo isikweletu.
Yintoni ekhoyo ityala?
Ukwazi i-credit yakho ekhoyo kubalulekile ukuba ufuna ukugcina ibhalansi yakho yekhadi lesikweletu ngaphakathi komda wesikweletu.
Ngokuxhomekeke kwimimiselo yekhadi lakho lesikweletu, kunokukho izigwebo kunye nemiphumo yokudlula ibhalansi yamakhadi akho.
Ikhredithi yakho ekhoyo ixabiso lekhredithi okwazi ukuyisebenzisa ukuthenga ngexesha. Isixa semali eshintshiweyo isekelwe ukulinganisela kwekhadi lakho lesikweletu kunye nomda wakho wemali. Ikhredithi ekhoyo kwikhadi lakho lekhredithi ngokuqhelekileyo umlinganiselo wakho wekhredithi unciphisa ibhalansi yakho yangoku, kodwa ingaba isezantsi xa ulindele ukuthengiselana okungazange ithunyelwe kwikhadi lakho lekredit. Umzekelo, ukuba umyinge wakho weekhredithi ngu-$ 2,000 kwaye unemali engama-$ 500, ngoko uza kuba ne-$ 1,500 yemali ekhoyo. Ukuthengiselana kwe-$ 100 kuya kunciphisa ityala lakho elikhoyo kwi $ 1,400.
Unokuzijonga ngetyala lakho elikhoyo ngokubiza umnini-mvume wakho wekhadi ngekhredithi emva kwekhadi lakho lesikweletu okanye ngokungena kwi-akhawunti yakho ye-intanethi. Qaphela ukuba isitatimenti sakho sokubhalwa kwekhadi lesikweletu akuyona indawo efanelekileyo yokujonga ityala lakho elikhoyo ngenxa yeentengiselwano ezingasithumela kwi-akhawunti yakho njengoko isitatimenti sakho sokubhatala sanyatheliswa.
Kutheni kubalulekile ukufumana isikweletu esikhona
Ukuba nenkokhelo eninzi ekhoyo kulungelelaniso lakho lokuthenga ngetyala ngoba kuthetha ukuba ugcina ibhalansi yakho yekhadi lesikweletu. Ngenxa yoko, ukusetyenziswa kwakho kwekhredithi , okuyi-30% yemali yakho yemali, kuya kuba yinto ephantsi. Ingcamango enhle yokugcina ibhalansi yakho yekhadi lesikweletu phantsi kwe-30% yemingcele yakho yemali.
Oku kuthetha ukuba uya kuba ne-$ 300 kunye ne-700 yeekhredithi ezikhoyo kwikhadi lesikweletu elinomda we-$ 1,000.
Ikhredithi engaphantsi ekhoyo, ixabiso elincinci lakho kwikhadi lesikweletu. Ngomlinganiselo omncinci wesikweletu esikhoyo, awuyi kukwazi ukusebenzisa i-credit yakho xa uyayidinga, umzekelo, ukuqesha imoto okanye incwadi yehotele. Endaweni yoko, kuya kufuneka usebenzise ikhadi lakho lokubambisa elingafuna idiphozi yokukhusela okanye amaxwebhu athile okuthengiselana.
Yintoni eyenzekayo xa usebenzisa ngaphezulu kwekhredithi yakho ekhoyo?
Ukuba uzama ukuchitha ngaphezu kwekhredithi yakho ekhoyo, ukuthengiselana kwakho kuya kunqatshwa, ngaphandle kokuba ukhethe ukungena kwi-transactions . Ukungena-in kuvumela umthengisi wekhadi lokuthenga ikhredithi ukuba enze iinkqubo eziza kukubeka phezu komda wesikweletu, kodwa ushiya ukuba uhlawule umrhumo wemingcele, ukuba umniki wekhadi lakho lokuthenga ngetyala lihlawule enye. Ukugqithisa umda wakho wekhredithi kungabangela kwakhona inani lesohlwayo kwikhadi lakho lesikweletu.
Unokwandisa inani lemali ekhoyo kwikhadi lakho lesikweletu ngokuhlawula imali yakho. Emva kokuba izithuba zokuhlawula kwiakhawunti yakho, i-credit card yakho ikhuphuke ngemali oyihlawuleyo. Qaphela ukuba kungathatha iintsuku ezimbini okanye ezintathu zentengiso ukwenzela ukuba intlawulo ibonakalise ngetyala lakho elikhoyo, ngokuxhomekeke kumgaqo-nkqubo wokuthumela intlawulo yomthengi wekhadi.
Ukuba uzama ukukhulula enye ityala ngokuthenga, uya kufuneka ukuba wenze intlawulo iintsuku eziliqela ngaphambi kokuba uyidinga.
Ukongezwa komda wesikweletu kunokunyusa i-credit card yakho. Unokucela ukunyuka kwemali yemali kwi-issuer yakho yekharityhulam kwaye baya kuhlola i-akhawunti yakho kunye nomlando weebhanki ukuvuma isicelo sakho. Uya kuba nelixa elifanayo letyala, kodwa ukuba livunyiwe, ukunyuswa kwemida yesikweletu kuya kuphakamisa inkokhelo yakho ekhoyo.