Qonda ukuba kutheni kufanelekile
Amakhadi okuthenga ngetyala ayenomda wokuthenga ngetyala- inani elininzi ongayisebenzisa kwikhadi lakho. Eyona ndlela, ibhalansi yakho kufuneka ibe phantsi kwelo mali.
Ixesha leKhadi leMatyala lixhaswe nini?
Ikhadi lekhredithi elixhamlileyo lisekufutshane, okanye nangaphezu komda wesikweletu. Umzekelo, ukuba umyinge wakho weekhredithi uyi-$ 1,000 kwaye ibhalansi yakho yekhadi yesikweletu i-$ 1,000, kwaye ikhadi lakho lekhredithi lixutywe. Ibhalansi yekhadi lakho lesikweletu lingaphelela ngaphezu komda ukuba awuyi kuhlawula phambi kokuba iindleko zezimali zenziwe kwi-akhawunti yakho.
Xa ikhadi lakho lekhredithi lixhunyiwe, umniki-khadi wakho wekhadi angeke akuvumele ukuba wenze iintlawulo ezongezelelweyo uze uhlawule umlinganiselo kwaye wenze i- credit ekhoyo . Ukuba udlula umda wesikweletu sakho, usengozini yokuhlawuliswa imali engaphezulu kwemida kwaye unomyinge wakho wenzalo ukwanda kwinqanaba lentlawulo.
Yintoni Oyenzayo Ngayo?
Kukho iindlela ezimbini kuphela zokulungisa ikhadi lekhredithi. Enye kukufumana ukunyuka kwemali-mboleko , okuza kukunika ikamelo elithile kwikhadi lakho lesikweletu. Nangona kunjalo, umniki wekhadi lakho lekhredithi akanakho ukulungele ukuphakamisa umda wakho wekhredithi ukuba udibanise umda wokuthenga ngetyala.
Indlela ekhethiweyo yokunyamekela ikariti yekhredithi ekhawulezileyo kukuhlawula umlinganiselo wokulinganisela njengoko unakho, ngokukhetha ngokupheleleyo. Ukuba uhlawula i-chunk enkulu ebhalansi yakho, umniki wekhadi lakho lekhredithi angavuma ukunyuka kweekhredithi.
Unokuthintela ukulinganisa i-balance balance out by monitoring your use card card usetyenziso.
Ungajonga ibhalansi yakho nanini na kwi-intanethi, nge-app yeselula, okanye ngokubiza iinkonzo zamakhasimende akho ekharityhulam. Yenza umgudu wokugcina ukuthenga kwakho ngaphantsi kwetyala lakho elipheleleyo lekhredithi ukuze ugweme ukukhupha ikhadi lakho lekredithi. Xa ibhalansi yakho iqala ukufikelela kumda wesikweletu, yeka ukusebenzisa ikhadi lakho lekredithi kwaye ucinge ukwenza inkokhelo kwi-akhawunti yakho.
Iikhowudi zeKharity-Out Out kunye neKhorensi yakho yeMali
Ukuba ikhadi lakho lesikwerethi lisagxininiswa ngethuba lakho lokukhishwa kwekhadi lekhredithi libika i-akhawunti yakho kwii-ofisi zemali-mboleko-ngokuqhelekileyo kwisitatimende sakho sokuvala umyalelo-ibhalansi ye- akhawunti iyakuchukumisa amanqaku akho. Phantse i-third-grade ye-credit score yakho isekelwe kwinqanaba le-credit card yakho elisebenzisayo, ngoko ke ukuphuma kwekhadi lakho lekredithi liya kulimaza amanqaku akho. Ngokuqhelekileyo, nayiphi na ibhalansi engaphezulu kwama-30 ekhulwini lakho lekhredithi ekhoyo inokuthi ibe nefuthe elibi kumanqaku akho.
Ngakolunye uhlangothi, unakho ukuhlawula ibhalansi yakho phambi kokuba ivalwe ivalwe, kwaye ibhalansi ekhutshwayo ayiyi kuxelwa kwi-credit bureaus, ngaloo ndlela igcina amanqaku akho.
Ukukhishwa kwekhadi lakho lekredithi akusoloko kuthetha ukuba ungumboleki ongenakuziphendulela. Usenokuba wenze isigqibo esinqununu sokuhlawula ibhalansi ephezulu kwikhadi lakho lesikweletu. Umzekelo, unokuba ufuna ukukhupha umvuzo wakho wekhadi lesikweletu. Okanye unako ukukhupha ikhredithi yakho kwikharityhulam ukuze unakekele imali yokuthumela imali. Nangona umlinganiselo wakho wekhredithi usenokuthi uthathe ukubethelwa kwezi zinto, unokulungisa umonakalo ngokunciphisa ukulinganisela kwekhadi lakho lesikweletu ngokukhawuleza.