Ukuba ikhadi lakho lesikwerethi liza kunye nomda we- credit , inani elikhulu "ovunyelwe" ukuhlawulisa kwikhadi lakho lesikweletu, mhlawumbi uzibuza ukuba kunokwenzeka ukuba uhambe ngaphaya komda we-credit card. Mhlawumbi ufuna ukuthenga unkulu kunekredithi yakho ekhoyo . Okanye mhlawumbi uyazibuza ukuba kuya kwenzeka ntoni xa uthetha ngekhadi lakho lekhredithi ukuze kuthengwe ukukhudlwana kunomda wakho wekhredithi. Ingaba unako ukuhamba ngaphezu komda wakho wemali-mboleko kunene kuwe.
Unako ukuphuma ngaphandle kweMali yokuLawulwa kweMiqathango
Abaniki bamakhadi eemboleko kufuneka banike ithuba lokufumana iintengiso eziza kukubeka phezu komda owanqatshiwe. Unako ukungena okanye ukuphuma ngaphandle kokungena kwemida nganoma naliphi ixesha.
Unokungena ekukhuseleni ukuhlaziswa kwekhadi lakho lekhredithi okanye ukwenzela ukuba kube lula ukukwazi ukuhamba ngaphaya komlinganiselo wakho wesikweletu. Ukuba ukhethe ukungena kuyo, kuthetha ukuba ukhethe ukuba ukwazi ukuhamba ngaphaya komlinganiselo wakho wesikweletu. Ukuthengwa okugqithiseleyo i-credit yakho ekhoyo iya kudlalwa, kodwa ngokuqhelekileyo ngumlinganiselo othile obekwe ngu-issuer card card.
Ukuphuma, ngakolunye uhlangothi, kunokubangela nayiphi na intengiso eya kudlulela umda wakho wekhredithi ukuba unqatshelwe. Oku kunokukusindisa kuyo nayiphina imirhumo yemirhumo yakho kunye neentlawulo zeemali zokukhupha amakhadi kunye nokukugcina ekudaleni amatyala amaninzi kunokuba unako ukuhlawula.
Xa ibhalansi yakho isele ingaphezu komda wakho weekhredithi, ukuthengiswa okongeziweyo kunokunqunyulwa kuba ungenayo i-credit enye eyongezelelweyo, nokuba ukhe wangena.
Akukho mrhumo ngaphezu kweMali eLawulayo?
Amanqaku amaninzi amatyala aphelile imirhumo yemingeni yemali eya kuhlawuliswa ukuba uhamba ngaphaya komda wakho wemali. Abaniki bamakhadi abemali-mboleko abahlawulisa iintlawulo kufuneka balandele imithetho ethile.
Ukuba umnikeli wakho wekhadi uhlawula intlawulo, umrhumo awukwazi ukudlulisa inani eliye lawela umda wakho.
Umzekelo, ukuba uhamba ngaphaya kwemali yakho yemali nge-$ 15, umrhumo ophezulu ongakhokhelwa ngu-$ 15. Khangela imigaqo yekhadi lesikweletu okanye ufonele inkonzo yamakhasimende kumakhadi ukuze ufumanise ukuba uya kuhlawuliswa umrhumo wokuya ngaphaya komda kunye nemali yemali oyakuhlawulwa.
Nangona umnikeli wakho wekhadi lokuthenga ngetyala akuhlawulisanga intlawulo, kunokukho ezinye iirhafu zokuya kwelekhredithi yakho. Ukuya ngaphaya komda wakho wekhredithi kungabangela izinga lokuhlawulwa , inqanaba eliphezulu lexabiso elihlawulwe kwikhadi lakho lesikweletu. Umniki wekhadi lokuthenga ngetyala unokuphakamisa intlawulo yakho encinci ukuhlawula imali oye wadlula umda wakho wemali.
Ukuhamba ngaphezu komda wakho wesikweletu kukubonisa ukuba awukwazi ukulawula i-credit yakho. Nangona banokuvumela ukuba udlule umda wakho, abakhupheli bekhadi lesikweletu bangakujonga ngokungafanelekanga. Abanye abathumeli bekhadi banokuthi banciphise umda wesikweletu sakho okanye uvale iakhawunti yekhadi lakho lesikweletu.
Impembelelo yokuhamba ngaphezu kweMatyala akho
Umlinganiselo wakho wekhredithi unokuchaphazeleka ukuba ibhalansi yekhadi lakho lesikweletu liphezu komda xa umboleki wakho ebika i-akhawunti yakho kwi-credit bureau, edlalwa kwi- akhawunti yakho yokuvala ingxelo . Ukulinganisela kwekhadi lesikratshi elingaphezulu komyinge kwandisa ukusetyenziswa kweekredenti kwaye kunokunciphisa amanqaku akho.
Unokuphepha ukuba ube nokusetyenziswa okuphezulu kwiingxowa-mali zemali-mboleko ngokuhlawula imali yakho phambi kokuba isitatimende seakhawunti yakho sivale.
Ukuba ufuna ukuthenga okuza kudlulela i-credit yakho ekhona, okokuqala cela umnikeli wakho wekhadi lokuthenga ngetyala ngemali yokunyuka kwemali . Unokuzama ukwahlula ukuthengiselana, ukuhlawula isahlulo kwikhadi lakho lesikweletu kunye nentala ekhokhelwayo.