Ukuba usebenzisa amakhadi esikwereti, amathuba, uyaqhelana nomda wekhadi lakho lesikweletu, okanye ibhalansi onokuqhuba ngayo ikhadi lakho nanini na ixesha. Ukuba awuqinisekanga ukuba umlinganiselo wakho wesikweletu uliphi, biza inkampani yakho yekhadi lesikweletu okanye khangela i-statement yakho yakutshanje.
Kuthekani ukuba inkampani yakho yekhadi lesikweletu yenza isigqibo sokuba unqumle ngokukhawuleza umda wakho wemali ngaphandle kwesixwayiso? Ingaba kukho nto ongayenza, okanye uhlala unamathele? Yintoni enokubangela ukuba wehlise ngokukhawuleza kwisikwerelo sakho semali?
Siphula i-ins kunye nokuphuma kweyiphi na inguqu engalindelekanga kwinqanaba lakho lemali , kunye nendlela yokujongana nayo xa inkampani yakho yekhadi lesikweletu idlala umkhawulo wekhadi lakho lesikweletu ngaphandle kwesixwayiso.
Iikhampani zeKhadi leMatyala zizimisele njani ukubeka iCredit Credit?
Kukho imiba emininzi ecacisa umda wakho wekhadi lesikweletu. Okokuqala, uhlobo lwekhadi ludlala indima enkulu. Amanye amakhadi ekhredithi avumela kuphela umda wesikweletu osemgangathweni kwibhodi, kungakhathaliseki ukuba umlinganiselo wesikweletu somnini wekhadi, ingeniso, njl.
Amanye amakhadi angavumela kuphela ulwahlulo xa lufika kwimingcele yemboleko, ngoko ke abaphathi bamakhadi abanemivuzo ephantsi, amanqaku emboleko kunye neembali ezininzi zeentengo zemali ziya kuba sekupheleni kweloluhlu, ngelixa abanikazi bamakhadi abaqeqeshe kakhulu bebeza kufumana imingcele ephezulu yamatyala kuloluhlu.
Ezinye izinto ezinokumisela umda wakho weekhredithi ziquka umvuzo wakho , isilinganiso sakho semali-ngeniso-mali , umlando wakho wekredithi kunye namanye amakhadi e-credit, kunye nemida yabo.
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Ngaba Banokuyinqumla Umda Wakho Ngaphandle Kwezilumkiso?
Iikhampani zekhadi lokuthenga ngetyala zingakhonkxa umda wakho weemali ngezizathu ezahlukeneyo. Ngethuba loMthetho wokuXanduva lokuXanduva lokuXanduva lokuTyala kweKharityhulam kunye noNyaka woNyaka woNyaka ka-2009, ubeka ukukhuselwa kwabanikazi bamakhadi, njengemingcipheko yemingcipheko yokukhawuleza kunye nelungelo lokuphuma kwiinguqu ezinkulu kwiakhawunti zabo, isenza iikhampani zekhadi lokuthenga ikhredithi ukuba zinqumle umda wesikweletu ngaphandle kwesixwayiso.
Ukuba usweleka emva kweentlawulo okanye ityala lakho landa kwinto eyenziwa yinkampani yekhadi lesikweletu, iyakunciphisa umda wakho wekhredithi ukuze uzame ukubeka ingozi kumngcipheko. Baya kunciphisa umda wakho wekhredithi xa uqala ukuchitha ngaphezu kokuqhelekileyo, okanye kwiintlobo ezahlukeneyo zevenkile.
Ngokukodwa, nayiphi na ixesha xa inkampani yamakhadi ekhredithi ikrokrela ukuba awukwazi ukuhlawula xa uboleka, banokunqanda umda wakho ukukhusela ukuba uchithe ngaphezulu. Kwakhona kufanelekile ukuba uqaphele: Ukuba mhlawumbi uthi kwiphepha elifanelekileyo lesivumelwano sakho sekhadi lesikweletu ukuba inkampani inokunciphisa umda wesikweletu sakho.
Ndiyathembela kwiikhadi lakho lokuthenga ngetyala ukwenzela ukuhlawula iindleko ezifunekayo zenyanga, ukuhla kwehla ngokukhawuleza kwintengo ebonakalayo ingabangela ingxaki enkulu. Ukuncipha ngokukhawuleza kwekhredithi kunokubanomnye umphumo ongekho kwimpilo yakho yezezimali: Inokuchaphazela umlinganiselo wakho wesikweletu-kuya-ngeniso , obaluleke kakhulu ekuqaliseni umlinganiselo wakho wekhredithi.
Yintoni okufanele Ndiyenze Ukuba Oku kwenzekayo?
Ukuba inkampani yakho yekhadi lekhredithi yenza ngokukhawuleza umda wakho wekredithi, unezifundo ezimbalwa ongazenzayo. Okokuqala, ungabiza umnini-nkonzo kwaye (ngokuzithoba) uphikisane necala lakho. Khupha nayiphi na amanqaku ekuthandeni kwakho, njengembali yentlawulo efanelekileyo, amanqaku ekhredithi ephakamileyo, okanye impatho enempilo, kunye nesicelo somlinganiselo wakho wekhredithi ukuze ubuyiselwe kumda wayo wangaphambili.
Nangona kunjalo, oku kungenakusebenza, kwaye unyanzelekile ukuba wamkele umda omtsha weerhafu okanye udlulisele ibhalansi yakho kwikhadi eyahlukileyo. Kufuneka kwakhona ubuze isizathu sokuba umlinganiselo wakho wekredithi uyancipha ukuze uqiniseke ukuphepha ezi ntshukumo kwixesha elizayo.
Hlalani nikhumbule ukuba okuchasene nakho kuya kwenzeka: Inkampani yakho yekhadi lesikweletu nayo inokunyusa umda wakho wemali xa ubonisa ukuba ungumsebenzisi wekhadi lokuthenga ngetyala kwaye uhlale wenza iintlawulo zakho zenyanga ngexesha. Unokucela kwakhona ukunyuswa kwemida yemali xa ungekho ngokuzenzekelayo unikezelwa umntu onokusetyenziswa kwekhadi lokuthenga ngetyala ngexesha.
Isizathu Sokuba Ufanele Uhlale Uhle Ngaphantsi Kwetyala Lakho
Kubalulekile ukukhumbula ukuba ngenxa yokuba unayo i-kredithi ekhoyo okanye ufumane ukunyuswa kwemida yeetyala akuthethi ukuba uyayisebenzisa.
Iingcali zicetyisa ukuba zingasebenzisi ngaphezulu kweepesenti ezingama-30 zekredithi yakho ekhoyo kwikhadi lakho, elibizwa ngokuba yi- credit card usetyenziso .
Kubalulekile ukugcina iliso ekusebenziseni ngetyala lakho, njengoko lenza iipesenti ezingama-30 zemilinganiselo yakho yekhredithi jikelele, kunye nezinye izinto ezifana nomlando wokuhlawula, iminyaka yobudala bekhredithi, udibaniso lwekhredithi kunye nemibuzo yekhredithi.
Khumbula ukuba yonke into oyifakayo kwikhadi lakho lesikweletu, kufuneka ugcine ukuhlawula, kunye nomdla. (Ngaphandle kokuba unamaphesenti angu- 0 anomdla wekhadi lesikweledu , kodwa ezo zivame ukunikezelwa ngokunyusa kwaye zigcine kuphela inani elichanekileyo lexesha.)
Ukusebenzisa ngokukhawuleza amakhadi esikweleti kunye nokujongana neenguqu zenzeke kwiakhawunti yakho kunokuba nzima. Kodwa ukuba wenza okulungileyo, amakhadi enkoleko angaba yinto ebonakalayo yezoxhobo zemali.