Abaninzi bamakhredithi abakhredithi bamakhredithi banamakhadi amaninzi eemali-mboleko, kaninzi ngeentlobo ezahlukeneyo zempahla . Umnikidi wekhadi lomntu omnye unokufumana amakhadi ekwereti e-intanethi ephantsi , ukukhawulwa kwamakhadi-krediti amakhadi, amakhadi e-redit kunye nemivuzo yeekhilomitha , amakhadi enkoleko ngemali yemali okanye amakhadi enkokhelo avuza ngamaphupha. Unokuba ufuna ukufumana ikhadi elitsha lekhredithi ukusuka kwibhankini osuvele unayo ikhadi lokuthenga ngetyala. Kodwa ngaba umnikeli wakho wekhadi uya kuvuma isicelo sakho kwenye ikhadi lekhredithi nangona sele unayo kunye nabo?
Unenhlanhla. Abaninzi bamakhredithi bamakhredithi baya kunivumela ukuba bafumane enye yamakhadi abo ematyala ngelixa udibana neenqobo zemfundo . Kwaye, ukuba uhlala ulawulo lwekhadi lakho lekredithi ngokufanelekileyo, oko kungenza kube lula kuwe ukuba ufumane imvume yamakhadi amatyala entsha.
Ukufumana enye iKhadi leNkokhelo ukusuka kwiSivumelwano seKhadi lesikweletu
Ungacingi ukuba uya kuvunyelwa ukuba ufumane imigaqo efanayo kunye nekhadi lakho lesikweletu. Umniki wekhadi lomniki-mboleko uya kuvuma isicelo sakho esekelwe kwingeniso yakho yangoku kunye nokuma kwekhredithi. Unokufumana imvume yokufumana umyinge ophezulu kunye nomyinge ophantsi. Okanye, ungaphumelela ukuba ube nesantya somyinge esezantsi kunye nomda ophezulu.
Amakhadi amabini esikweleti kwi-bhanki enye iya kuba neentlawulo ezahlukeneyo ngenxa yemini , ngoko kubalulekile ukuba ugcine ingqalelo kwimini yomhla. Kwaye, kufuneka uhambise inkokhelo nganye kwikhadi lekhredithi ngokuzimeleyo, uqiniseke ukuba uquka nenombolo ye-akhawunti kwisheke kunye nentlawulo yekhuphoni evela kwisitatimenti sakho kwimvulophu ukuba uthumele yakho intlawulo.
Ukuba wenza iikhodi zesikweletu sakho kwi-intanethi, kuya kufuneka ukhethe nganye i-akhawunti ngokwahlukileyo ukuze wenze intlawulo.
Ixabiso elincinci lokuhlawula lingafani nababini beekhadi lakho lesikweletu, ngokukodwa xa unesilinganiselo esahlukileyo kunye neerhafu ezahlukeneyo. Nika ingqalelo kwiintlawulo ozenzayo kwi-akhawunti nganye uze uqiniseke ukuba uhlawula imali efanelekileyo kwi-akhawunti efanelekileyo.
Into omele uyibukele
Ngelishwa, wena (ngokuqhelekileyo) awuyi kukwazi ukudlulisela amabhalansi phakathi kwamakhadi ekhredithi evela kwibhanki elifanayo. Amabhanki ngokubanzi anikezela ukukhushulwa kwemali yokutshintshela kuba bazama ukukufumana ukuba uhambise izilinganiso ukusuka kwelinye ibhanki. Ngoko ukuba kukho imali enkulu yokutshintshela imali, ufuna ukufaka isicelo sekhadi lesikweletu kunye nelinye ibhanki.
Ukuba neakhadi ezimbini zekredithi ezivela kumxhasi omnye wekhadi lekhredithi zingaba yingozi. Ukuba ungagqibekanga kwiintlawulo zekhadi lesikwerethi kwaye uhlawule isantya sohlawulelo , unokufumana isamba sohlwayo kwenye ikhadi lekhredithi, kwakhona, nokuba iintlawulo zakho kunye nekhadi lekhredithi lalihlala lixesha. Kodwa iifizi zokugqibela zisebenza kuphela kwikhadi lekhredithi apho ukuhlawulwa kwexesha elide.
Ukuba unomdla kwenye ikhadi lekhredithi evela kumkhredithi wakho wekhadi lokuthenga ngetyala ngenxa yokuba ufuna ukufumana ibhonasi yokubhalisa, funda imigqaliselo yenkqubo yomvuzo wekhadi lesikweletu ngaphambi kokuba ufake isicelo sekhadi lesikweletu. Awukwazi ukufumana ibhonasi yokubhalisa kwikhadi elitsha lekhredithi, ngokukodwa ukuba sele ufumene ibhonasi yokubhalisa kwi-issuer card. Abanye abathumeli bekhadi bekhredithi bavumela kuphela abanini bamakhadi ukuba bafumane ibhonasi yokubhalisa kanye emva kweminyaka emibini. Abanye banokuvumela kuphela abanini bamakhadi ukuba bafumane ibhonasi enye yokubhalisa.
Ngokuqinisekileyo, nokuba ngaba ufumana amakhadi amaninzi ematyala ukusuka kumthengisi wekhadi elifanayo okanye kumakhadi amaninzi ekhredithi evela kubaniki bamakhadi abahlukeneyo, kubalulekile ukuba ungaqiniseki ukuba awuthathi amakhadi anetyala anokuba ungayisebenzisa . Ukuba unzima neentlawulo zekhadi lakho lokuthenga ngetyala okanye zonke iikhadi lakho lokuthenga ngetyala (credit card) zixutywe ngaphandle, kungenokuba yinto engcono ukuba ufake isicelo sakho sekhadi lesikweletu kunye nawuphi na umniki wekhadi.