Ukufumanisa ukuba uvunyiwe kwikharityhulam ye-credit card iindaba ezilungileyo. Kodwa ukufumanisa ukuba uvunyiwe kwikhadi lekredithi elinomlinganiselo omncinci wesikweletu kunokudanisa. Usenokuba nethemba lokuba ikhadi lekhredithi elinomda weekhredithi ezine-kredithi kuphela kufuneka kuvunyelwe ama-dollar ambalwa. Nangona kungabonakali kukufanelekile, kunokubaluleka ukugcina ikhadi lekhredithi nangona kunomda we-credit limit.
Kutheni i-Credit Your Limit So Low?
Kukho izizathu ezimbalwa zokuba ikhadi lakho lekhredithi livunyiwe ukwenzela ukuba umlinganiselo ophantsi wekhredithi.
Okokuqala, uhlobo lwekhadi lesikratshi ozifakayo linganika bonke abanikazi bamakhadi ngomlinganiselo ofanayo. Oku kudla ngokuqinisekileyo kumakhadi okuthenga ngetyala kunye namakhadi e-credit card, kodwa kungenzeka nakwamanye amakhadi esikwereti. Iimbali zeentengo zemboleko , okanye ukungabikho kwembali yengxelo yemboleko, sinokuthi ityala. Izilinganiso zamakhadi eziphezulu zekredithi okanye imali engenayo ziphantsi kwezinye izizathu oye wavunyelwa ukuba ube ngumlinganiselo omncinci wesikweletu.
Ukujongana nomlinganiselo ophantsi weKhadi lokuTyala
Ngaphandle kokuba leli khadi lekhredithi linomda ophantsi kakhulu kunamanye amakhadi enkokhelo, musa ukuyivala. Ukuba awunayo enye yamakhadi avulekileyo okanye usebenza ukuvuselela imbali yakho yematyala , lo mda ophantsi wekhadi lesikratshi unokukunceda uphucule i-credit yakho. Umlinganiselo wekhredithi olungcono uzokukunceda ufumane imvume yamakhadi-mboleko kunye nemida ephezulu.
Amanqaku akho ekhredithi ayiphendula kakuhle xa ugcina izilinganisi zekhadi lakho lesikredithi elisezantsi kwisilinganiselo semboleko. Oku kunzima xa unekhadi lesikweletu elinomlinganiselo ophantsi.
Kodwa, okwangoku, sebenzisa ikhadi lakho lekredithi ngokuthenga okuncinci kuphela kwaye qiniseka ukuba wenze iintlawulo zakho ngexesha nganye ngenyanga. Ibhalansi yekhadi lekhredithi elungileyo lingama-30% okanye ngaphantsi komda wesikweletu sakho. Ukuyibeka ingqiqo, loo nto i-$ 100 kwikhadi lekhredithi elinomlinganiselo wemali oyi-$ 300.
Ukunyuka kweNkcitho yeMali
Abanye abakhupha amakhadi ekhredithi baya kuphakamisa umda wakho wekhadi ngokuzenzekelayo emva kokusebenzisa ikhadi lakho ngokufanelekileyo kwiinyanga eziliqela.
Ixesha lihluka nge-issuer ekhadini lesikredithi, kodwa linokuqala ukusuka kwiinyanga ezintandathu ukuya kunyaka. Ukuba awufumananga ukongezwa kwemali yesikweletu ngokuzenzekelayo emva kweenyanga ezintandathu, ungaqhagamshelana nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ucele ukunyuka kwemali yemali . Abanye bakuvumela ukuba wenze oku nge-akhawunti yakho ye-intanethi. Ngaphandle koko, ungabiza inkonzo yabathengi ukuba ucele ukongezwa kwemida yemali.
Ukuba isicelo sakho sokwanda siyanqatshwa, uya kufumana ileta ekukuxelela ukuba kutheni. Sebenza ekuphuculeni i-credit yakho kule mimandla ukuze ukwazi ukufumana umlinganiselo wesikweledu omkhulu ngokuzayo.
Emva kweenyanga ezintandathu zokusetyenziswa kwekhadi lesikweletu, unokuzama ukufaka isicelo sekhadi lesikweletu kunye nomnye umniki wekhadi. Ngeli xesha, umzamo wakho wokufumana umda wesikweletu omkhulu kunokuba uphumelele.
Ekugqibeleni, ukuba unako ukuyifumana, unokufumana ikhadi lokuthenga ngetyala kwaye uhlawule i-deposit ephezulu. (Umlinganiselo wakho wekhredithi ngokuqhelekileyo ulingana nentlawulo yakho yezokhuseleko.) Nangona ungeke ufune ukubopha imali yakho ngale ndlela, inokukunceda njengoko iikhadi lekhredithi elilondoloziweyo libikwe kwingxelo yakho yekhredithi njengamanye amakhadi esikweletu.
Ukuba nekhadi lekhredithi elinomlinganiselo ophezulu wesikweletu kwi-credit report yakho iya kukhangeleka kwaye yenze kube lula ukuba uya kuvunywa kwikhadi lekhredithi eliqhelekileyo elinomlinganiselo ophezulu wesikweletu.
Ngethuba nje xa ugcina ikhadi lakho lekhredithi elungileyo , ukugcinwa kwekhomali yakho iya kubuyiselwa xa uvala ikhadi lesikweletu okanye uguqulelwe kwi-akhawunti engakhuselekanga.