Xa kufike kwiakhawunti yakho yekhadi lesikweletu, i-akhawunti "yexesha elidlulileyo" i-akhawunti ayiyona into enhle. Ngokude i-akhawunti yakho idlulileyo ngenxa yoko, kubi kakhulu ukuma kweakhawunti yakho kunye nokulinganiswa kwetyala lakho.
Kuthetha ukuthini ukudlula ngenxa?
Xa i-akhawunti idlulileyo ngenxa yoko, oko kuthetha ukuba akukho ntlawulo esetyenzisiweyo kwi-akhawunti njengentlawulo yokugqibela efunekayo. Iakhawunti yakho idlulileyo ngenxa yosuku olahlekelwa yintlawulo.
I-akhawunti ihlala kwimeko edeleyo-kuze kube yilapho wenza inkokhelo encinci efunekayo ukuzisa i-akhawunti yangoku.
Xa i-akhawunti yakho idlulileyo ngenxa, unokuhlawulwa imali ehlawulwa emva koko, yenza ukuba inzala yakho inyuke, okanye ulahlekelwe amandla akho okuthenga kwiakhawunti yakho. Ngomvuzo wekhadi lesikweletu, unokulahlekelwa yimiphumo oyifumene nayo. Ubume bexesha elidlulileyo lungafaka isicelo kunaliphi na i-akhawunti efuna iintlawulo zenyanga rhoqo ngenyanga.
Yintoni eyenzekayo xa udlulile ngenxa
Nangona i-akhawunti yakho ingaba idlulileyo ngenxa yosuku olahlekelwa ngayo intlawulo, unayo ixesha ngaphambi kokuchaphazela ukulinganiswa kwetyala lakho. Ingxelo yakho yekhredithi ayiyi kubonisa ukuba i-akhawunti yakho idlulileyo ngenxa yokuhlawulwa kweentlawulo iintsuku ezingama-30. Xa iimeko ezidlulileyo-mali zichazwe kwiziko lemali-mboleko, kuya kuthintela umlinganiselo wakho wekhredithi. Okudlulileyo ngenxa yokuba uyenze, iyakhathaza ngakumbi amanqaku akho ekhredithi.
Kwiintsuku ezili-180 ezidlulileyo ngenxa yoko, ikhadi lakho lekhredithi liya kuhlawulwa .
Awuyi kuba nekhetho lokufumana ibhalansi yexesha elidlulileyo kwaye uphinde uhlawule iintlawulo eziphantsi. Kunoko, uya kuba nekhetho kuphela lokuhlawula ibhalansi ngokupheleleyo. Umnikezeli wakho wekhadi lokuthenga ngetyala ungabela okanye uthengise i-akhawunti kwi- arhente yokuqokelela ukuqokelela okunye.
Unokuhlawulwa umrhumo wexesha elidlulileyo kwinyanga oye yadlulela ngenxa.
Ngenxa yokuba le ntlawulo idibanisa, ixesha elide lidlulileyo ngenxa yoko, kuya kuba neendleko zokubanjwa kwiintlawulo zakho. Emva kokuba uneminyaka engama-60 edlulileyo ngenxa yekhadi lakho lekhadi lesikweletu , umboleki wakho unokwandisa izinga lakho lomdla kwizinga eliphezulu lokuhlawulwa. Kwezinye iimeko, izinga lezahlwayo linokuthi lihlale lisebenza kuyo nayiphi na ibhalansi entsha emva kokuba uhlawule i-akhawunti yakho yangoku.
Ubomi obudlulileyo ngaphambili
Abanye ababolekisi banikezela ixesha lokubakhokhelwa ngentlawulo emva komhla ofunekayo apho inkokhelo yakho ingafumaneka ngaphandle kwehlwayo. Umzekelo, ukuba inkokhelo yakho ihlawulwa ngomhla wesihlanu wenyanga kwaye unesithuba se-day grace, uya kuthathwa njengokuba udlulileyo ngenxa yeshumi elinesihlanu lwenyanga. (Qaphela: oku kwahluke kwixesha lokubonga ngekhadi lekhredithi elikunika ithuba lokuphepha iintlawulo zenzalo ngokuhlawula ibhalansi yakho ngokugcwele.)
Inani elidlulileyo-mali
Isitatimende sakho sekhadi lesikweletu siquka inani elidlulileyo-mali. Le mali iya kuba phezulu kakhulu kuneentlawulo zakho zenyanga rhoqo ngokuxhomekeke kwixesha elidlulileyo ngenxa yokuba i-akhawunti yakho iyenzile. Inani elidlulileyo-mali liyimali yezona ntlawulo ezincinci ozilahlekileyo kunye neemali ezidlulileyo eziye zongezwa kwi-akhawunti yakho ukususela kwinkokhelo yakho yokugqibela efunekayo . Le yintlawulo omele uyihlawule ukubuyisela i-akhawunti yakho yangoku kwakhona.
Ukuphuma kwimeko efunekayo ngaphambili
Unokuzisa i-akhawunti yakho kwiimeko ezidlulileyo-ngokuhlawula intlawulo encinci kunye neyiphi imirhumo yokugqibela kunye nenzala eyongeziweyo kwibhalansi yakho. Emva kokuba uhlawule ibhalansi yexesha elidlulileyo, uya kuyeka ukuqokelela iifizi zokugqibela. Umnikeli wakho wekhadi lokuthenga ngetyala uya kubika isimo "samanje" kwii-credit bureaus kule nyanga phambili. Ukuba umniki wekhadi lakho lekhredithi uphakamise i-APR yakho kwizinga lesohlwayo, liya kubuyela kwi-APR rhoqo emva kokuba wenze iintlawulo zakho ezilandelayo ezintandathu.
Ukuba awukwazi ukuhlawula imali epheleleyo efunekayo ukuzisa i-akhawunti yakho yangoku, khuluma nomthengi wakho okanye ubolekisi malunga neendlela zokuhlawula. Umnikezeli wakho wekhadi lokuthenga ngetyala unokukwazi ukubonelela ilungiselelo lokuhlawula eliza kwenza kube lula ukufumana i-akhawunti yakho kwi-post-due status. Abanye ababolekisi banokufaka isicelo sokunyamezela kwiakhawunti yakho kwaye bongeza inani elidlulileyo-mali ekumali-mboleko yakho kwaye bakhuphe ngaphandle kwexesha elifanelekileyo.