Vala ikhadi lekredithi elihlawulwe ngokulumkisa
Ukuhlawula ikhadi lekhredithi kukufezekiswa okukhulu, ngakumbi ukuba usebenze ixesha elide kwaye unzima ukwenza. Yintoni ngoku? Ngaba ushiya ikhadi elivulekile okanye kufuneka ulivale?
Kutheni ungawuvala?
Ungagcina ikhadi lekhredithi, kodwa kukho ezimbalwa izizathu ezifanelekileyo zokuvala ikhadi lekhredithi olihlawule ngalo.
Ufuna ukunciphisa amakhadi akho ekwereta . Unokuziva ukuba unamakhadi amaninzi kwaye ufuna ukunciphisa inani leakhawunti ofuna ukuqhubeka nalo.
Nokuba ikhadi lokuthenga ngetyala elinomlinganiselo wokulinganisela kufuneka lijongwe rhoqo ukuze libone nayiphi na ityala elingagunyaziswanga . Ukuvala ikhadi lekhredithi elihlawulwe kungenza kube lula ukulawula iimali zakho.
Unamakhadi ekwereta angcono . Lekhadi lekhredithi lingaba yinto enayo xa uqale uqale ngekhredithi. Ingaba nomlinganiselo omncinci wesikweletu okanye izinga eliphezulu-nzala ngelixa ezinye iikhadi lakho lekredithi zinemiqathango engcono, ixabiso eliphantsi kunye nembuyekezo. Ukukrazula ikhadi lekhredithi elingasenayo inzuzo wena uluvo oluhle.
Awufuni ukungena kwi-credit card ngetyala kwakhona . Emva kokuba usebenze kanzima ukuhlawula amakhadi akho, into yokugqibela oyifunayo kukukhupha kwakhona. Ukuba ucinga ukuba nekhadi lekhredithi elivulekileyo liya kukulinga ukuba uhlasele ngaphezu kokuba unakho ukuhlawula, ukuvala ikhadi lekhredithi kungcono kunokubuyela kumatyala .
Yintoni ukuvala ikhadi elingenakuyenza
Nangona kukho ezinye iinzuzo zokuvala ikhadi lekhredithi olihlawuleyo, kubalulekile ukwazi ukuba ukuvalwa kwekhadi lokuthenga ngetyala kungenzi ntoni kuwe.
Ngokomzekelo, abaninzi abantu bacinga ukuba ukuvala ikhadi lesikweletu kuya kuphucula amanqaku abo. Ngelishwa, kunokwenzeka ukuba ukuvalwa kwekhadi lesikweletu-nokuba lihlawulwe-kuya kuphazamisa amanqaku akho ekwereta kunokuba uncede.
Ukuvala ikhadi lekhredithi aliyi kulukhupha kwingxelo yakho yekhredithi. I-akhawunti iya kuhlala kwiingxelo zakho zemali-mboleko kude kube ngumda wexesha lokubhengezwa ngetyala.
Yiyo imashumi esixhenxe ukuba i-akhawunti ivalwe ngokuma okubi, njengento yokuhlawula. I-akhawunti ivalwe ngokuma kakuhle iya kuhlala kwingxelo yakho yekredenti ngokusekelwe kwixesha le-credit bureau yokubika i-akhawunti ezivaliweyo.
Ngaba kufuneka ushiye i-akhawunti?
Ukushiya iakhawunti evuliwe iyakunceda kwiimeko ezithile. Cinga ukushiya i-akhawunti evulekile ukuba yikhadi elilodwa kuphela lekhredithi. Ukuba leli khadi likunceda ukusetyenziswa kwakho kwetyala jikelele, okuyi-30% yemanqaku akho ekhredithi.
Kufuneka kwakhona ugcine i-akhawunti ukuba yikhadi lakho lesikweletu kuphela. Iingeniso zakho zemali zekhredithi ngokuxuba i-akhawunti kwingxelo yakho yekhredithi. Oku kuthetha ukuba uya kuba nomlinganiselo wekhredithi engcono xa unamakhadi kunye namatyala-mboleko njengenxalenye yomlando wakho weentengo zemboleko.
Amanye amakhadi okuthenga amakhadi atyala ngokukhawuleza angasetyenziswanga kwiinyanga eziliqela. Ukugcina i-akhawunti yakho ivuliwe, qiniseka ukuyisebenzisa rhoqo. Yenza ukuthengwa okuncinci kwikhadi nganye emva kweenyanga ezintathu okanye ezine kwaye uhlawule umlinganiselo wokukhawuleza ukuwugcina usebenza kwaye uvule.