Ukuthumela intlawulo yakho yekredithi ngexesha ngalinye inyanga iyimfuneko encinane. Ukuba ungomnye umva kamva (ngamanye amaxesha kunye neeyure ezimbalwa okanye kwimizuzu emva), kuya kufuneka ujongane nemiphumo emininzi yokuhlawulwa kwexesha elide . Ukuhlawula i-bill card yakho yebhanki kwangaphambili kunokubonakala ngathi yindlela epheleleyo yokufumana kakuhle kunye nabaniki bekhadi lakho lokuthenga ngetyala, qinisekisa ukuba intlawulo yakho ngexesha, kwaye ukwakha amanqaku angaphezulu kwekhredithi. Nangona ukuhlawula kwangethuba kunokuba luncedo, akunakulungele ngokupheleleyo ngokumalunga neentlawulo ezifike ngexesha kunye nokuhlala kwindawo efanelekileyo nababolekisi bakho.
Ukuthumela i-bill credit card yakho ekuqaleni - iintsuku ezimbalwa ngaphambi komhla wakho wokugqibela - yindlela efanelekileyo yokuqinisekisa ukuba inkokhelo yakho ifika ngexesha. Ukuba ulindele ukuthumela intlawulo yakho nje ngosuku okanye ezimbini ngaphambi komhla ofunekayo, ubeka umngcipheko wokuba ukuhlawulwa kwakho kufike emva kwexesha, ngokukodwa ukuba uthumele intlawulo yakho. Ukuhlawula kwangethuba kuyinto elungileyo xa uhlala ulahlekelwa iintlawulo ngenxa yokuba ukhohlwa ukuba ziza ngenxa.
Ngaba ungathumela yakho imali ngokukhawuleza?
Kukho into efana nokuhlawula i-bill yakho kusenjenjalo kwaye kunokubangela ukuba intlawulo yakho elandelayo ifike emva kwexesha. Oku kunokwenzeka xa uthumela imali yakho yekhadi lesikweletu ngaphambi kokuba umhla wokuvala umyalelo wakho. Le ntlawulo isetyenziswe kwinyanga ekhoyo kwaye uya kuba ne ntlawulo ngenxa yenyanga ezayo. Yithi, umzekelo, umhla wokuvala umyalelo wakho ngomhla kaJanuwari 15 kwaye wenza intlawulo yokuqala ngoJanuwari 13 okanye 14. Le ntlawulo iya kusetyenziswa kwixesha lokuhlawula iJanuwari kwaye ukuhlawulwa kwentlawulo kaFebhuwari kwintetho yakho ye-ntanethi ye-15 kaJanuwari iyaqhubeka.
Ukuqhubeka kunye nemijikelezo yokuhlawula kunye nemizuzu yokuvala kunzima. Isitatimenti sakho sokubhatala kwi-intanethi yindawo efanelekileyo yokujonga ukuhlawula kwakho ubuncinane ubuncinane ngenxa yoko.
Iintlawulo zeentlawulo zekhadi lokuqala zekhadi
Ukwenza ukuhlawulwa kwekhadi lakho lokuthenga ngetyala kungaphumelela ngamanqaku akho ekhredithi ngokwemali yakho yokusetyenziswa kwemali ngokunciphisa ibhalansi yekhadi lesikweletu echazwe kumaziko eentengo zemboleko.
Ibhalansi ethunyelwe kwi-credit bureaus isoloko sakho ibhalansi njengomhla wokuvala umyalelo. Ukuhlawula ibhalansi yakho phambi kokuba isitatimende sivale sinokukunceda amanqaku akho okwekhredithi ngokwemali yetyala olibikile, kodwa gcinani engqondweni ukuba ukuhlawula ngokukhawuleza kunokubangela iifizi zokugqibela xa ulahlekelwa intlawulo yakho elandelayo.
Ukuthumela ukuhlawulwa kwekhadi lakho lokuthenga ngetyala kungakunceda ugcine inzala. Ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) usebenzisa i- balance balance day or method balance method, ukunciphisa ibhalansi yakho ngaphambili kwinqanaba lokuhlawula linciphisa ibhalansi esetyenzisiweyo ukubala iirhafu zakho zezemali. Uninzi lweentsuku unesilinganiselo esezantsi, iindleko zenzalo zakho ezantsi ziya kuba. Ukuba ulinda kude kamva kwinqanaba lokuhlawula ukwenza inkokhelo yakho, ibhalansi yakho iya kuhlala ephakamileyo ixesha elide kumjikelezo wokuhlawula, oku kuthetha ukuba ibhalansi yakho ephakathi iya kuba phezulu kwaye uya kuhlawula umdla.
Ukucwangcisa Iintlawulo zeKhadi leMatyala elizayo
Ukuba udinga ukwenza ikhadi lakho lokuthenga ngekhredithi ngokukhawuleza, zithi kuba uya kuhamba xa imali yakho elandelayo ihlawulwa, kodwa ungayifuni ukuba ityala kwi-akhawunti yakho kwingqungquthela engalunganga yokuhlawula, unokumisela inkokhelo yakho. Ngena kwi-akhawunti yakho ye- intanethi ukwenza inkokhelo njengoko uqhele ukuyenza kwaye ufake usuku oluzayo lwenkokhelo yakho.
Ukuhlawulwa kwekhadi lakho lekhredithi liya kucutshungulwa ngomhla wokungena kwakho. Inkokhelo yebhanki yakho ye-intanethi ingakuvumela ukuba uhlalutye iintlawulo zexesha elizayo. Unokukhetha olu khetho ukuba ufuna ukucwangcisa iintlawulo ezininzi kwindawo enye kunokundwendwela iiwebhusayithi ezininzi ukuhlela iintlawulo.