Ingaba uhlawula ikhadi lakho lekredithi ngokugcwele, yenza kuphela intlawulo encinane , okanye into ephakathi, mhlawumbi uthumele intlawulo enye kwi-card yakho umkhishwa ngenyanga. Kungakhathaliseki ukuba ukhetha kangakanani ukuhlawula, nje kuphela xa wenza inkokhelo yakho ngexesha (kwaye uhlawule ubuncinci ubuncinane), wenza oko kanye umnikeli wakho wekhadi lokuthenga ngetyala. Kodwa, xa kuziwa kumanqaku akho okwekhredithi , kunokuba luncedo kakhulu ukwenza iintlawulo ezininzi zekhadi lesikweletu kwimijikelezo efanayo.
Akusiyo inani leentlawulo ozenzayo ezikunceda amanqaku akho okwekhredithi, kodwa kunokuba impembelelo kwibhalansi yakho yekharityhulam kwaye, ngokukodwa, umda wakho wesikweletu.
Ukuhlaziya okufutshane kwiKharityhulam yeKhadi lakho leMali kunye neCredit Score
Usenokuba sele uyayazi ukuba inxalenye enkulu yamanqaku akho ekhredithi isekelwe ekusebenziseni ngetyala - umlinganiselo wesikali sakho sekhadi lesikweletu ukuya kumda wesikweletu. Iphakamileyo ibhalansi yakho ihambelana nomda we-credit, eyona mbi kakhulu ngamanqaku akho.
Ukuhlaziywa kweekhadi zamatyala ngokukhawuleza kubathunyelwa kwiziko lemali-mboleko ngosuku lokugqibela lomjikelo wenkokhelo, kungekhona ixesha langempela. Oku kuthetha ukuba ukuba unayo ibhalansi ye-$ 1,200 xa umjikelo wakho wokuhlawula usuphelile, ngumlinganiselo oza kuxelwa kwi-credit bureaus kwaye ufakwe kwisikolo sakho semali. Kwikhadi lekhredithi elinomlinganiselo weekhredithi we-$ 2,000, ukusetyenziswa kwakho kuya kuba kwi-60%, ephezulu kakhulu.
Iintlawulo ezininzi zeKhadi leKhadi zingaNciphisa iNkcitho yakho
Ungakwazi ukulawula ibhalansi echazwe kwiivenkile zemboleko ngokuthumela ezininzi iintlawulo zekhadi zekhredithi.
Oku kuthetha ukuba enye ibhalansi yakho ihlawulwa ngethuba lokugqibela umjikelo wakho wokuhlawula, ngokunciphisa ukusetyenziswa kwekhredithi kunye nokuphucula amanqaku akho.
Kunokukunceda ngakumbi ukwenza iintlawulo ezininzi zekhadi lekhredithi ukuba ungumkhululi we-spender. Okanye, ukusasazeka kweentlawulo zakho phakathi kweefowuni kunokugcina i-akhawunti yakho yasebhanki ibe yinqanaba eliphezulu kwinyanga yonke ngokuxhomekeka kwisithintelo esikhulu kwikhadi lakho lesikweletu ngokukhawuleza.
Indlela Eyona Ngcono Yokuhlawula Iintlawulo zeeKhadi zeMatyala amaninzi
Ngombulelo kwiintlawulo zekhompyutha, kulula kakhulu ukwenza iintlawulo ezininzi zekhadi lesikweletu. Unokwenza inkokhelo kwi-Intanethi okanye ngefowuni usebenzisa i-akhawunti yakho yokujonga. Ngayiphi na indlela, intlawulo yakho izothumela kwi-akhawunti yakho kwiintsuku ezimbalwa zoshishino. (Amanye amakhadi ekhredithi axhunyiwe kwi-akhawunti yokukhawuleza angathumela ngosuku olufanayo.) Ukuthumela iintlawulo zakho ezongezelelweyo kusebenza, kodwa kuya kuthatha ixesha elide ukuhlawulwa kweposi emva kokuba ufanele ulinde i-imeyile ukuba ifike kumkhupheli wekhadi lakho lesikweletu.
Ukuba unquma ukwenza iintlawulo ezininzi zekhadi lesikweletu, qiniseka ukuba unenjongo. Ngaba uzama ukugcina ibhalansi yakho kwi-30% yemingcele yemboleko? Ngaba uzama ukuqinisekisa ukuba i-$ 0 ibhalansi ichazwa kwii-credit bureaus?
Qinisekisa ukuba uqhubeka unamathele kubhajethi yakho nangona uthumela imali engaphezulu kwekhariti enye, ngokukodwa xa wenza oku ngekhadi lekrediti enye. Isicwangciso singaphinduka xa uchitha imali eninzi uzama ukugcina ibhalansi yakho yekhadi lesikweletu liphantsi.
Ezinye iiNzuzo zeeNtlawulo ezininzi
Nangona ukuphucula umlinganiselo wakho wekhredithi unokuba yinjongo ephambili yokwenza iintlawulo ezininzi zekhadi lesikweletu, kukho enye inzuzo. Ngokuxhomekeke kwindlela umnikidi wakho wekhadi lokuthenga ngetyala ngayo ahlawule ihlawuliso yakho yezemali , ungalondoloza inzala ngokuthumela enye yentlawulo yekhadi lesikweletu ngenyanga leyo.
Ngokomzekelo, kunye nendlela yokulinganisela yemali yemihla ngemihla, uya kuhlawula ihlawuliso esezantsi zezimali ngokuthumela intlawulo engaphambili kumjikelezo wokuhlawula.
Ukunciphisa ibhalansi yakho ngaphambili kwimijikelezo yokuhlawula ikhulula ikranti eyongezelelweyo kwaye ikunika inkululeko enkulu yokuchitha. Oku kunceda ukuba unomlinganiselo omncinci wesikweletu okanye uceba ukuthenga okukhulu okanye ufuna ukuhlawula umvuzo ongezelelweyo kwikhadi lakho lesikweletu. Ukuba uzama ukufumana ibhonasi yokubhalisa, umzekelo, iintlawulo ezininzi zekhadi zesikweletu ziyimfuneko ukuze unokwenza ukuthenga okwaneleyo ukuhlangabezana neemfuneko zokuchitha ibhonasi.
Ngaba Unayo ukwenza iiNtlawulo ezininzi ukuze ubone ukungafani?
Akudingeki ukuba wenze iintlawulo ezininzi zekhadi lesikweletu ukuqinisekisa ukuba ibhalansi ephantsi ixelwe kwi-ofisi yee-credit. Unokusebenzisa ikhadi lakho lekredithi ekuqaleni kwenyanga, uhlawule ibhalansi, kwaye uvumele ikhadi lakho lekredithi lihlale kude kufike umjikelo wenkokhelo.
Ngokuqinisekileyo, oku kufuna ukuba uqhubeke kunye nemijikelezo yakho yokuhlawula, engagqithani ngokuhambelana neenyanga zekhalenda. Ukwenza intlawulo engaphezu kweyodwa ibe lula.
Qaphela ukuba amanqaku akho ekhredithi asekelwe kuphela kwibhalansi yekhadi lekhredithi. Ngenxa yokuba amanqaku akho ekhredithi ayilandeleli izilinganiso zakho zangaphambili zekhadi lesikweletu, unalo ixesha lokunciphisa ibhalansi yakho kwixesha elizayo ukuba kuyimfuneko.