Akuthathi ixesha elide ukuqhuba ibhalansi yekhadi lekhredithi ephakamileyo. Ngamanye amaxesha konke okufunekayo kukuthengwa ukubeka okanye ukuvalela umda wakho wekhredithi. Nangona umnikeli wakho wekhadi lokuthenga ngetyala kukunika ubuninzi bokuguqulela ukubuyisela ibhalansi yakho phezu kwexesha, ukuba ne-high card card balance balance for you for a number of reasons.
Izikali eziphezulu zilimaza amanqaku akho.
Ikhadi lekhredithi elixakekileyo (xa ibhalansi yakho ilungile kumda wesikweletu) kunokubangela ukuba umlinganiselo wakho wekredithi uphononise amanqaku angama-10 ukuya kuma-45, ngokubhekiselele kwimiba yokulimala evela kwi-FICO .
Xa umlinganiselo wekhadi lakho lekhadi lokuthenga ngetyala (credit limit balance) - ukusetyenziswa kwemali-mboleko yakho - iphakamileyo kakhulu, umlinganiselo wakho wekhredithi uhlaselwa. Ukuphakamisa ibhalansi yakho, umlinganiselo wakho wekredithi unzima. Ukugcina ibhalansi ephantsi kungcono kumanqaku akho.
Kunzima ukufumana amakhadi amatyala kunye nemboleko.
Amakhadi kunye neentengo zemboleko ziqwalasela inani lekhadi lesikweletu olinayo xa ufaka isicelo se-akhawunti entsha. Amanqanaba athile aphakamileyo angabonisa ukuba unetyala elingaphezu kwamandla akho. Ababolekisi baya kubuza ukuba ngaba unako ukuphatha omnye umbopheleleko wemboleko. Gcina izilinganiso zakho ezantsi ukuze uzenzele umboleki okhangayo.
Izikali eziphezulu zibiza kakhulu.
Iindleko zezimali zenyanga zibalwa ngokusekelwe kwibhalansi yakho yekhadi lesikweletu kunye nezinga lakho lesenzalo. Ukuphakamisa ibhalansi yakho, iindleko zakho zemali ziza kuba ziphezulu. Ukuthatha ibhalansi yekhadi lekhredithi ephezulu kungabiza amawaka eedola ngonyaka, ingakumbi ukuba wenza imali encinci kuphela.
Amaxesha omyinge wokubaluleka ophromothayo ayimfuneko, kodwa hlawula imali eninzi njengokuba unakho ngexesha lokuphromotha ngoko uya kuhlawula umdla emva kokuba isantya sokuqalisa siphelelwa yisikhathi.
Intlawulo encinci iphezulu.
Ngaba uye wakhawula ingqalelo indlela i-credit card yakho encinci yentlawulo ehamba ngayo ngokumalunga nokulinganisela kwekhadi lakho lesikweletu?
Iintlawulo ezincinane zibalwa njengepesenti yekhadi lakho lekhadi lesikweletu, i-2% okanye i-3% yemali, umzekelo. Njengoko ibhalansi yakho yekhadi lesikweletu likhula, ngokunjalo inkokhelo yakho encinci. Ukuhlawula okungaphezulu kuncinci kukusoloko kukulungele ukukunceda ukuhlawula ngokukhawuleza imali yakho. Nangona kunjalo, ukuba uhlala unamathele kwaye ufuna ukuhlawula ubuncinci, ibhalansi ephezulu yekhadi yesikweletu iya kwenza ubuncinci buninzi kakhulu.
Unomngcipheko ophezulu wokuba unetyala.
Abantu bangena kwiitalente ngokuboleka imali engaphezulu kunokuba banakho ukuhlawula. Ukufumana ibhalansi yekhadi lekhredithi ephezulu, ingakumbi kwikhadi lekredithi elingaphezulu kweyodwa, akunakunceda imeko yakho ityala. Gcina izilinganiso zakho ziphantsi, okanye zihlawulwe, nokuba ugweme ukuba netyala.
Unayo imali ekhoyo ekhoyo.
Ukuqasha imoto nokubhuka ihotele kudla ngokufuna ikhadi lekhredithi. Ngezo zombini iintengiso, umniki wekhadi lokuthenga ngetyala uya kufaka isigunyaziso sokufumana isigunyaziso kwingxenye yemali yakho. Ukuba ibhalansi ephezulu ikushiye ngaphandle kwekhredithi efumanekayo, kuya kufuneka unciphise ibhalansi yakho, sebenzisa elinye ikarita, okanye, ngakumbi, ulungele uhambo lwakho. Gcina i-balance balance ukuze ugweme ukuba nale ngxaki.
Akunjalo ukuba awukwazi ukuthenga ezinkulu kwikhadi lakho lesikweletu. Ukusebenzisa ikhadi lakho lekredithi ngokuthenga okukhulu kukuvumela ukuba uqokelele umvuzo okanye usebenzise inzuzo yentengiso.
Xa wenza ukuthenga okukhulu kwikhadi lakho lesikweletu, kubalulekile ukuhlawula ngokukhawuleza. Ukuba uvumela ukulinganisela ixesha elide okanye uza kuqala ukufumana imiphumo emibi echazwe kweli nqaku.
Ukwandisa inkokhelo yakho yamakhadi yenyanga yamatyala kuya kunciphisa ibhalansi yekhadi lakho lesikweletu ngokukhawuleza. Kuba amakhadi amaninzi ematyala aneemali eziphezulu, egxininise ekunciphiseni ibhalansi enye ngexesha elifanelekileyo kunokuba uzame ukuhlawula bonke kanye kanye.