Iibhanki zebhanki akumele zihlale ngonaphakade. Unokufuna ukuvala i-akhawunti ngenxa yokuba ufumene i-akhawunti engcono, ufudukela kwilizwe elitsha apho ibhanki yakho ingenawo amagatsha, okanye ngenxa yokuba unganelisekanga ngeenkonzo zabathengi bakho basebhange. Ngaphambi kokuba uhambe ukusuka kwibhankini yakho, mhlawumbi ufuna ukwazi ukuba ukuvala i-akhawunti yebhanki kuthintela amanqaku ekhredithi ukwenzela ukuba unokuyilumkisa xa kuyimfuneko.
I-score score yakho ithinta izigqibo zakho zezimali ezininzi.
Ichaphazela ukukwazi kwakho ukufumana ikhadi lekhredithi, ukurenta indlu, ukuthenga indlu okanye imoto, uncedo oluvuliwe kwigama lakho, nangaphezulu. Ngokuqinisekileyo, ufuna ukuphepha ukwenza nayiphi na into echaphazela kakubi amanqaku akho ekhredithi, nangona ukuba kuthetha ukuxhathisa ubuhlobo obubi kunye nebhanki.
Indlela yokuvala i-Akhawunti yeBhanki ithintela ngayo amanqaku akho eNgxowa-mali
Iindaba ezilungileyo kukuba i-akhawunti yebhanki yokuvala ayichaphazeli amanqaku akho. Ngethuba kungekho miba ne-akhawunti yakho, ungatshintshela kwibhanki entsha ngaphandle kokukhathazeka ngokumaza amanqaku akho ekwereta.
Ngelixa iibhanki zingakhangela i-credit yakho xa ufaka isicelo sokuvula i-akhawunti, phantsi kweemeko eziqhelekileyo, umsebenzi wakho webhanki awunakwenziwe kwi-score yakho yekhredithi. Oko kuthetha ukuba iibhanki zakho zentlawulo, ukuhoxiswa, kunye nokuthengiselana kwansuku zonke akuncedi okanye kulimaze amanqaku akho. Ngaphandle kwemali-mboleko ayikuchaphazeli i- credit yakho , ucinga ukuba uhlawule imali yentlawulo ye-overdraft kwaye ucacise nayiphina ibhalansi engalunganga phambi kokuba ibhanki ithathe inyathelo.
Abantu abaninzi bakholelwa ngokugqithiseleyo ukuba yonke ingcaciso yezemali, kubandakanywa nomsebenzi we-akhawunti yebhanki, ifakwe kwinqanaba lekhredithi, kodwa akunjalo. Amanqaku akho ekhredithi ibalwa kusekelwe kuphela kwingcaciso ifakwe ingxelo yengxelo yakho yeebhanki kunye neenkcukacha zakho zebhanki azixeliwe kwiivenkile zemboleko.
Iimpawu zesikweletu zisekelwe kwimisebenzi ebolekayo, njengamakhadi-mboleko kunye neemali-mboleko, iziganeko ezigqithisileyo kunye neengxelo zoluntu. Ungahlola ukujonga iintlobo zeeakhawunti kwingxelo yakho yeekhredithi, mahhala ngokuvakashela i-AnnualCreditReport.com. Ungasebenzisa nesevisi yamahhala efana neKharma Karma, iSesh Sesame, okanye i-Wallet Hub ukuze ugcine iithebhu kwiinguqu kwiinkcukacha zakho zekhredithi.
Qaphela ukuba ngelixa ukuvala i-akhawunti yebhanki yendabuko, njenge-akhawunti yokulondoloza okanye ukujonga i-akhawunti ayiyi kuphazamisa amanqaku akho okwekhredithi, ukuvala iakhawunti yekhadi lesikweletu kunokuchaphazela i-credit yakho. Amakhadi esikwereti enye yeentlobo zeakhawunti ezixelwa rhoqo kwii-credit bureaus kwaye zichanekile kumanqaku akho ekhredithi.
Xa Ukuvala i-Akhawunti yeBhanki inokulimaza i-Credit yakho
Kukho imeko apho ukuvala i-akhawunti yebhanki kunokuchaphazela amanqaku akho ekhredithi, ngendlela engalunganga. Ukuba i-akhawunti yakho i-overdrafted kwaye ine-balance balance xa uyivala (okanye xa ibhanki ivala oko ngenxa yokuba awuzange uyibambe), ibhalansi engalunganga ingathunyelwa kwi-ejensi yokuqokelela ukwenzela ukuba kuthathwe amanyathelo angaphezulu. I-arhente yokuqokelela i-third party iqokelela amatyala egameni lamanye amashishini.
Emva kokuba i-arhente yokuqokelela ithathe i-akhawunti yakho, iya kuba ibika ingxelo kwii-credit bureaus.
Ngelo xesha, kuya kuhamba kwingxelo yakho yekhredithi kwaye iya kufakwa kwinqanaba lakho lekhredithi. Ngelishwa, iikholeji zihlala kwingxelo yakho yeekhredithi iminyaka eyisixhenxe ukususela kumhla wokuqala wokusebenza kakubi, nangemva kokuba uyihlawule.
Ukutshintsha i-akhawunti yakho yokukhangela kunokukunika kwakhona kwi- ChexSystems , i-arhente yokubika yabathengi kumaziko emali. Amabhanki ahlala asebenzisa i-ChexSystems ukuqinisekisa ukuba unokuvumela ukuba uvule i-akhawunti yokujonga. Naliphi na iingxelo ezingalunganga ezenziwe kwiChexSystems, kubandakanywa i-overdrafts ongazange uyikhuphe, iya kuhlala kwindlela ukuya kwiminyaka emihlanu. Unokuba nobunzima ukuvula i-akhawunti yokukhangela okanye yokulondoloza ukuba unalo irekhodi elibi kunye ne-ChexSystems, kodwa ezi ngxelo azifaki kumanqaku akhokhredithi.
Indlela yokuVala i-akhawunti yakho yeBhanki ngendlela efanelekileyo
Ukuba uceba ukuvala i-akhawunti yakho yebhanki kwaye ufuna ukuphepha ukuphazamisa amanqaku akho ekhredithi, qi
Thetha kwibhankini ukwenza amalungiselelo okuhlawula xa ungeke ukwazi ukuhlawula imali ngokukhawuleza.
Ungacingi ukuba i-akhawunti yakho endala ayibonayo engqondweni ngenxa yokuba sele usuqhubele phambili kwibhanki entsha. Uya kufuneka unakekele nayiphi na i-check checks, ukulindela ukuthengiselana, okanye i-autodrafts ezithumela kwi-akhawunti yakho emva kokuba ivaliwe. Ibhanki yakho endala iya kukwazisa nayiphi na ibhalansi ephumayo ngeposi ukuze uqiniseke ukuba uvule nantoni na oyifumana kuyo.