Uninzi lwabantu lujolise ukugcina ixabiso lekhadi lekhredithi kwi $ 0. Ukufumana ikhadi lekhredithi elingenayo imali yonyaka yinto yokuqala, kodwa ukuba unokulinganisela, unokwenza iindleko ngoluhlobo lomdla. Ukwazi ukuba umrhumo wekhadi lokuthenga ngetyala kangakanani kwaye yindlela efanelekileyo yokuphepha ukuhlawula umdla kunye nokugcina ikhadi lakho lesikweletu.
Umnikeli wakho wekhadi lokuthenga ngetyala uya kuhlawulisa inzala nanini na uqhuba ibhalansi ngaphaya kwexesha lobabalo .
Inzala yemakhadi yesikweletu ayiyona nto yexesha elilodwa. Inyanga nganye awuyi kuhlawula ibhalansi yakho ngokugcwele, uya kuba nentlawulo yemali eyongeziweyo kwibhalansi yakho. Indlela yokuphatha umlinganiselo kwaye ukhuphe ukuhlawula umdla kukusebenzisa inzuzo ye-0% yentengiso.
Xa unetyala leKhadi leMatyala yeMali
Uyahlawulwa inzala xa ungekhe uhlawule ibhalansi epheleleyo ukusuka kumjikelezo wokugqibela wokuhlawula. Ngokomzekelo, ukuba isitatimende sekhadi lakho lesikweletu li-$ 1,000, kufuneka uhlawule i-$ 1,000 epheleleyo ukuze ugweme ukuhlawulwa inzala. Ngaphandle koko, isitatimende sakho sekhadi lesikweletu siya kubandakanya intlawulo yenzalo yexabiso elingakhokhelwa.
Akunabo bonke abathengiselwano abanethuba lobabalo xa ungahlawula ngokupheleleyo kwaye ugweme umdla. Uyakuhlawulwa inzala naliphi na inyanga oyenzayo ngemali engaphambili okanye olunye uhlobo lokuthengiselana olungenalo ixesha lobabalo okanye ukuba ikhadi lakho lesikweletu alikho ixesha lobabalo.
Ukuba unamanani amabini ahlukeneyo kwikhadi lakho lesikweletu, elinye libe ne-APR% nelinye ngaphandle, uya kuqhuba inzala kwimali ebinomdla. Oku kunokwenzeka ukuba udlulisela umlinganiselo wokusebenzisa inqanaba le-0% kwaye wenza ukuthenga ngekhadi lesikweletu ngaphambi kokuhlawula imali yokudlulisela imali.
Xa Inzala yeKhadi yeMatyala ayihlawulwanga
Ngeke uhlawuliswe inzala ekuthengeni kwakho xa uqale umjikelezo wokuhlawula nge-balance balance okanye uhlawule ibhalansi yakho yokugqibela ngokugcwele. Ukwahlawulwa inzala kwimalance nge-APR% yokuphromotha.
Isitatimende sakho sokuqala senkokhelo kwikharityhulam entsha yekhredithi ayiyi kuba netyala leemali, ngaphandle kokuba wenze i-cash advance okanye ikhadi lakho lesikweletu alifiki ixesha lobabalo (oku akunqabile). Ukuba uhlawula ibhalansi epheleleyo ngaphambi kokuba ixesha lobabalo liphele, awuyi kuhlawula nayiphi na inzala. Le yile naliphi na inyanga oqala ngayo umjikelo wokuhlawula kunye ne-$ 0 ibhalansi, kumakhadi amatsha kunye namadala endala kunye nokuba ikhadi lakho lekhredithi livuliwe okanye livaliwe. Ixesha lobabalo liza kuqala ngomhla wokuba umjikelezo wokuhlawula uphele kwaye ugcine malunga neentsuku ezingama-21 ukuya kwi-27, kuxhomekeka kumagama akho ekhadi lesikweletu.
Unomdla Omkhulu Uya Kuhlawula?
Inzala yomdla wekhadi lesikweletu oya kuhlawula inyanga nganye inokutshintshwa ngokusekelwe kwibhalansi yakho yekhadi lesikweletu kunye naluphi na utshintsho kwisilinganiso sakho somdla. Intlawulo yakho yezemali, yindlela inzala isetyenziselwa ngayo ibhalansi yakho, ingabalelwa kwenye yeendlela ezintlanu ngokusekelwe kwinqanaba lakho lepesenti kunye nekhadi lekhadi lesikweletu. Funda emva kwekhadi lakho lekhadi lesikweletu ukuze uthole iinkcukacha malunga neendleko zakho zemali ezibalwe.