Icandelo lekhadi lekhredithi, elingenakuzikhethela ngokwenza imithetho yalo, ithi i-mortbeat yekhadi lesikweletu ngumntu ohlawula izilinganisi zekhadi lamatyala ngokugcwele kunye nexesha ngenyanga.
Nesi sizathu sokuba ungafuni ukuphulaphula oko okuthethwa ngumboni wekhadi lesikweletu.
Kutheni iCandelo leKhadi leMatyala lisisebenzisa "i-Deadbeat?"
Iikhampani zekhadi lesikweletu zenza inxalenye enkulu yemali yazo kwimali kunye nemirhumo ehlawulwa ngabanikazi bamakhadi. Uhlawulwa inzala xa uvumela ukulinganisela kwakho kwemali - oko kukuthi, xa uyithwala ukususela kwinyanga enye kuya kwesinye, uvavanywa ixabiso lentlawulo ngexesha ngalinye. Iinkampani zekhadi lokuthenga ngetyala ziyakuthanda ezi ntlobo zabanini bamakhadi kuba abantu abahlawula umyinge ukwandisa inzuzo yeenkampani zekhadi lesikweletu.
Xa uhlawula ibhalansi yakho ngokugcwele inyanga nganye, inkampani yekhadi lesikweletu ayenzi imali eninzi. Ukuba kwakungengenxa yemirhumo yomrhwebi ehlawulwa yiivenkile apho usebenzisa ikhadi lakho, ikhadi lakho lekhredithi liya kuba yinkunkuma yeenombolo ezili-16. Awuyena umnikazi wekhadi elinenzuzo, ngoko, kwiikhampani zekhadi lesikweletu, uyisifo sokufa.
Kutheni ufuna ukuba yi-Deadbeat
Isizathu sokuba ufuna ukuba yi-card mortbeat isilula - kuba kungabi sisifo esibi.
Ukuba yinto yokubulala kukuvumela ukuba ubalekele iindleko zemali ezinokubakho kwixabiso lakho lokukhawuntana.
Masithi unayo ibhalansi yekhadi lesikweleti ye-5,000 zamawaka ngexabiso lentengo ye-15%. Kunokuba uhlawule ibhalansi ngokupheleleyo ngenyanga, uthumela iintlawulo zama-$ 200 ngenyanga. Ukuba awuhlawulanga nayiphi na into ekhadini lesikwerethi kwaye uqhubeke nokwenza iirekhodi ezingama-200 kwi-akhawunti, uya kuhlawula i-$ 1,033 inzala ngeli xesha uhlawule umlinganiselo kwiminyaka emibini nesiqingatha.
I-20% ye-balance balance. Ukuba uqhubeka ubeka iirhafu kwikhadi lesikweletu kunokuba uhlawule ibhalansi, iirhafu zakho zenzalo ziya kuba ziphakamileyo kakhulu. Yaye ukuba uhlawula kuphela inkokhelo encinci (eyancipha njengoko uhlawula ibhalansi yakho), uya kuhlawula ngaphezu kwama-2,000 kwi-interest ngexesha lakho kwikhadi lekhredithi lihlawulwa.
Ukuhlawula ibhalansi yakho ngokugcwele yindlela ephezulu kakhulu yokulawula i-credit yakho. Akunakuphela nje ukukhathazeka ngamatyala enzala, ugcina i- credit card usetyenziso oluphantsi, ukwandisa amanqaku akho ekhredithi -inani abaninzi abanetyala kunye nabathengi basebenzisa ukuvumela izicelo zakho - kwaye ugweme ukungena kwi-credit card.
Ulibale malunga nokuba yintoni umboniso wekhadi lesikweletu ngamatshitshi ekhadi lesikweletu. Kubaluleke kakhulu ukugcina imali kunokukhupha iipokethi zakho kwi-industry yekhadi lekredithi yee-dollar yezigidigidi.