I-Akhawunti Yakho yeBhanki kunye neNdawo yokuBaluleka kweMboleko zixhumene ngqo
Funda indlela iibhanki zebhanki kunye nembali yeebhanki ezixhunyiwe nale ngongoma kwaye kutheni kubaluleke kakhulu kumthengi ukugcina i-credit and good banking history.
Oko Kufuneka Ukwazi NgeeKhekhSystems
Ngelixa iibhanki zingakhangeli iingxelo zemboleko ngemveli yendalo, kukho ingxelo ekhethekileyo yebhanki ethatha kwi-ChexSystems. Ukongeza kwisicelo sangaphakathi kunye nokuqinisekiswa kwesazisi, iibhanki zibuza i database malunga nabaxhasi. Ukongeza le ndlela kunika ithuluzi lokuhlola ingozi ebantwini, enye ekufuneka abaxhasi bazi ngayo.
Iingxelo ze-ChexSystems aziyaziwa njengeziqinisekiso zeFICO okanye ii-freeaus zemali, kodwa abathengi banelungelo lokunika ingxelo enye yamahhala ngonyaka. Le ngxelo ekhethekileyo ihlala isahlukileyo kwiinkqubo zemveli zesikweletu. Ingcinga efanelekileyo ukuphonononga ngezikhathi iinkcukacha ukuqinisekisa ukuba konke kuchanekile. Ulwazi luhlala kwingxelo yeeminyaka emihlanu, encinane ngaphantsi komgangatho wokubonga kwetyala , okuyiminyaka esixhenxe ukuya kwe-10.
Ngaba i-ChexSystems Idatha iya kuthintela amandla akho okuvula i-akhawunti?
Ngokuqhelekileyo, ukudonsa idatha akuyiyo ingozi kubasebenzisi abaninzi.
Ngokungafani nokobuninzi beenkcukacha eziqokelelwa ngamaziko eentengo zemboleko , i-ChexSystems ixela ngokubanzi ngemiba emikhulu: ayifumanekanga imali engaphezulu kwee-paydraft, inombolo yee-akhawunti, iifizi eziphindaphindiweyo zemirhumo okanye ubuqhetseba. Iibhanki ezininzi zivumela abathengi ukuba babhale iingxelo ezichazayo imiba encinci, njengokuba bexakeka imali ye-overdraft ngexesha lokungasebenzi.
Abanye abathengi banandipha ukuphuma kwi-bhanki enye baye kulandela ukufumana "i-freebies." Oku kunokuhlawula i-akhawunti ye-jumpers kwixesha elide ukuba amabhanki abone indlela yokuziphatha kwaye anqande ukuvula ii-akhawunti.
Ibhanki inokukhanyela abathengi ithuba lokuvula i-akhawunti kunye nabo ukuba iinkcukacha ezinikezwa yi-ChexSystems zibonisa indlela yokuziphatha okanye yokuziphatha ngobuqhetseba. Qinisekisa ukuba uhlolisise ingxelo yehhala rhoqo ngonyaka ukuze uhlaziye naziphi na iimpazamo ezinokwenzeka.
IiAkhawunti zeBhanki zibophelelwe ngqo kwiTyala lakho
Kungenxa yokuba ingxelo yengxelo yemboleko ayikuchaphazeli i-akhawunti yakho yokutshekisha, nangona kunjalo, akuthethi ukuba ukuchasana akunjalo. Ababoleki baya kufuna i-akhawunti yokujonga xa befaka isicelo somboleko okanye umgca we-credit. Ngokuqhelekileyo, ukusetyenziswa kwemikhakha kunye nezilinganisi zeakhawunti zikhangelelwe ukuqinisekisa indlela yokuziphatha. Umthengi kwimarike yemali yokubolekwa kwempahla, umzekelo, unokuthi uphonsa ifulegi ebomvu ukuba amawaka eedola zokuthenga izihlangu okanye iintlawulo ezivela kwi-Best Buy zivele kwisitatimende sebhanki ngaphambi kokuvalwa.
Wonke umntu wenza iimpazamo ngexesha elide, kodwa ukuphepha iimali ezingaphezulu kwe-overdraft kunye nokugcina iimpawu zebhanki ezizinzileyo kunokuhlawula ngokuthe ngqo kwixesha elide. Iibhanki zebhanki zichaphazela i-credit yakho, ngoko ke uhlahlo lwabiwo-mali luyakunokusindisa amawaka enzala phantsi kwendlela