Umnikeli wakho wekhadi lokuthenga ngetyala akuyi kukunqanda ukuvala ikhadi lakho lekredithi ngelixa kusekho ukulinganisela , kodwa ukuvala i-akhawunti ayikukuxhasi iintlawulo zenzalo. Ukuba ngaba kunjalo, abantu babeza kuhlala bevala amakhadi abo ekwereta ukuze baphume ukuhlawula umdla.
Emva kokuba uvale i-akhawunti, uya kuqhubeka uhlawuliswa umdla unomdla de ufikelele kwi-balance balance.
Ukuvalwa kweKhadi leMboleko kuthetha ntoni
Nangona uvale ikhadi lakho lesikweletu, isivumelwano sakho sekhadi lesikweletu sisasebenza. Oko kuthetha umjikelezo ngamnye wokuhlawula onokulinganisela, intlawulo yemali iya kufakwa kwi-akhawunti yakho. Imali ehlawulwayo ibalwa ngokusekelwe kwibhalansi yakho kunye nenzala yakho. (I-APR kwi-balance card yakho yekhredithi ayitshintshi emva kokuba uvale iakhawunti yekhadi lakho lesikweletu.)
Yintoni utshintsho utshintsho uvale ikariti yekhredithi kukuba uyakwazi ukwenza ukuthenga ekhadini. Awusayi kuba nokufikelela kumda we-credit kwaye xa uzama ukusebenzisa ikhadi lakho lesikweletu, umthengi uya kunqatshwa .
Usenomsebenzi wokwenza ubuncinci ukuhlawulwa kwentlawulo ngomhla ofunekayo de kube ibhalansi ihlawulwa ngokupheleleyo. Ukuba uthe wabuya kwintlawulo yakho okanye uhlawula ngaphantsi kweyona nto ubuncinci, uza kuhlawula umrhumo wokugqibela.
Ukuhlawulwa kwexesha elininzi kungenza ukuba inzala yakho iphakanyiswe kwizinga lesohlwayo.
Indlela yokunciphisa okanye ukuphelisa iiNtlawulo zenzalo kwiKhadi leMali eliValiweyo
Kukho iindlela ezimbalwa ongazisebenzisayo ukunciphisa okanye mhlawumbi ukuphelisa inzala ehlawulwe kwiakhawunti yekhadi lesikweletu.
Dlulisa ibhalansi esele kwenye ikhadi lekhredithi .
Unokuphepha ukuhlawula umrhumo ngokudlulisela ibhalansi yakho kwikhadi lesikweletu elinomyinge we-0%. Ukuba uhlawula ibhalansi ngaphambi kokuphela kwexesha lokuphromotha , ulungile. Uya kuqala ukuhlawula inzala kuyo nayiphi na ibhalansi esele emva kokuba ukukhushulwa kuphelelwa yisikhathi.
Xubusha inzala engaphantsi kwemali ngaphambi kokuvalwa . Imbali efanelekileyo yentlawulo yayiza kwenza ukuba kube lula ukuthetha kunye nomniki wekhadi lakho lesikweletu. Nangona kunjalo, kusenokuba lula ukufumana umniki wekhadi lokuthenga ngetyala lokunciphisa izinga lakho xa i-akhawunti yakho ivaliwe. Ukuba ucinga ngokuvala ikhadi lakho lekredithi, kodwa ungakabikho, cinga ukucela inzala engaphantsi komva ngaphambi kokuvala ikhadi.
Bhatala ngaphezulu kwikhadi lakho lesikweletu . Unokunciphisa inani lemali oyihlawulayo kwikhadi lakho lekhredithi, nangaphandle kwenani eliphantsi okanye izinga le-0% lokunyusa ngokunciphisa ibhalansi yakho ngokukhawuleza. Umncinci wakho wezantsi, intlawulo ephantsi iya kuba. Ingeniso eyongezelelweyo yokwenza iintlawulo ezinkulu kukuba ibhalansi yakho ihlawulwa ngokukhawuleza kunokuba ubukhokha ubuncinci kuphela.