Zingaba yithuluzi eluncedo, kodwa abaninzi abantu benza iimpazamo ngamakhadi abo. Ngaphambi kokuba ubhalisele ikhadi, qiniseka ukuba ukulungele ukuphatha ngokuchanekileyo.
Kutheni Ucinga Ngokufumana Ikhadi Lesikweletu?
Ukuba ufumana ikhadi lekhredithi ukwenzela ukwakha i-credit , kufuneka uqinisekise ukuba wenze ngokufanelekileyo ngekhadi lakho. Kufuneka uhlawule ibhalansi ngokupheleleyo ngenyanga. Oku kuthetha ukuba uqhubeka unamathela kwibhajethi yakho. Ukuba ufumana ikhadi ukuze ukwazi ukuthenga izinto ongenayo imali okwangoku ngoku, akufanele usebenzise. Uya kufuneka uhlawule yonke into ekugqibeleni kwaye nangona ungagcina iidola ezili-10 ngokuthenga ezo zihlangu ngoku, ukuba awuyikuhlawula ngokukhawuleza unakho ukuhlawula okungaphezulu kunokuba unomdla.
- Zama ukunciphisa inani lamakhadi-mboleko onayo.
- Ukuba ufumana ikhadi elitsha kuba elinye likhishwe ngaphandle, akufanele ufumane ikhadi elitsha lekhredithi. Endaweni yokusekwa uhlahlo lwabiwo-mali kwaye usebenze ekuhlawuleleni .
Khangela iNzala yeMdla
Amakhadi amaninzi aya kukukhanga ngesantya sokuqala senzalo yepesenti. Oku kukukukhuthaza ukuba wakhe umlinganiselo ongeke ukwazi ukuhlawula ngexesha lokuphromotha. Umlinganiselo wakho wenzala ungagxuma ukuya kwi-15 okanye iipesenti ezingamashumi amabini emva kokuba ixesha lokuqalisa liphelile.
Ukuba unikwa inzala kumlinganiselo wepesenti ezilishumi elinesihlanu kufuneka uqhubeke ukhangela elinye ikhadi.
- Ukongeza kwinqanaba lokungeniswa qiniseka ukuba ukhangele izinga eliqhelekileyo oza kuhlawulwa kwaye ukhethe ikhadi elinenani eliphantsi.
- Indlela efanelekileyo yokufumana amaxabiso aphantsi kukuba ube nemaphuzu aphezulu a matyala, oku kuthetha ukuba awusebenzisi i-credit yakho eninzi kwaye wenza iintlawulo zakho ngexesha.
Khangela iKhadi ngaphandle kweNyanga yonyaka
Kukho amakhadi amaninzi eemali ezifumanekayo ukuba akufanele uhlawule imali yonyaka ngokubambisana nekhadi lakho. Amakhadi amaninzi azama ukukunika imali emva kwemali okanye eminye imivuzo xa nje uhlawula umrhumo wonyaka ngekhadi. Kukho amakhadi omvuzo ongahlawulanga umrhumo wonyaka, ngoko ufanele uqhubeke ukhangele.
- Unokujonga kwi-intanethi yekhadi ngaphandle kwemali yonyaka kwaye usebenzise khona. Indawo enokuqala ukuqala iya kuba nebhanki yakho yangoku okanye inkontileka yekhredithi.
Cinga ngemiphumo
Ukuba uya kuhlawula lonke ibhalansi ekupheleni kwenyanga, kufuneka ukhangele kakuhle ngemiphumo onokuyifumana ngokusebenzisa ikhadi lakho lesikweletu. Ngokuqhelekileyo, amaqhinga amahle akwikhadi lokubuyisela imali. La makhadi abuyisela ipesenti yakho yenkcitho kuwe. Unokwazi ukuhlawula le mivuzo kwixabiso eliphezulu kwikhadi lesipho.
- Thatha ixesha lokufunda iimpendulo malunga neenkqubo ezahlukeneyo zembuyekezo. Ngamanye amaxesha ukuthintela kwimbuyekezo kunokukwenza kube nzima ukuyisebenzisa.
Khangela kwizohlwayo
Kubalulekile ukuqonda izigwebo kunye nemirhumo edibene nekhadi lakho. Ibhanki inokuphakamisa amaxabiso enzala yakho ngentlawulo enye. Ukongezelela uya kuthi uhlawuliswe umrhumo wokugqibela. Ukuba uyadlula ibhalansi yakho uze uhlawule umrhumo wokungahlawulwanga kwaye iirhafu zakho zenzalo ziya kuphakanyiswa kwakhona. Ezi ntlawulo zenzalo zihamba ngokuphakamileyo zibe ngamashumi amathathu ekhulwini.
- Ukuqonda indlela ikhadi elisebenza ngayo yindlela efanelekileyo yokwenza ubuninzi bekhadi ngaphandle kokufumana nayiphi na isohlwayo okanye umrhumo owongezelelweyo.
- Ukuba unonophelo unemigwebo ephakamileyo engafanelekanga, unokube ngcono xa ukhetha elinye ikhadi.
Nciphisa inani lamakhadi onayo
Ngokufanelekileyo kufuneka ube neyodwa okanye amabini amakhadi ezitaliti.
Oku kubandakanya amakhadi okuthenga ngetyala . Awudingi ngaphezu kwalokhu. Kulula kakhulu ukuzifumana ukhululekile ngetyala xa unamakhadi angaphezulu kwekredithi. Umkhwa okhuselekileyo kukuba nekhadi elilodwa lekhredithi olihlawula ngokupheleleyo inyanga nganye. Ukuba uvakalelwa ukuba ufuna enye ikhadi elongezelelweyo, cinga ukuba uthathe ikhadi lokuthenga ngetyala elihlawulwa ngaphambi kokuhlawulwa okanye ukuphelelwa yisikhathi akusebenzi.
- Khetha ikariti enye okanye ezimbini zokuthenga ngetyala. Oku kunokukunqanda ukufumana imali eninzi yekhadi lesikweletu kwaye uncede ukugcina i-credit yakho ekhoyo.
- Gwema ukuvala ikhadi lakho lekredithi elidala, kuba oku kuya kufutshane ubude bembali yakho yeebhanki kwaye kungakuzisa umvuzo wakho.