Ukuba nekhredithi yinto enkulu kubantu abadala. Ukuba ufuna ukufumana ikhadi lokuthenga ngetyala okanye ufumana mboleko kufuneka ube nekhredithi efanelekileyo-ilungu leebhanki elihle kakhulu. Nangona kunjalo, izigidi ezingama-26 zaseMerika zingenawo amanqaku okuthenga ngetyala, ngokubhekiselele kwiBusiness Consumer Bureau.
I-Credit yikhono lokufumana iimpahla okanye iinkonzo ngaphambi kokuba uzihlawule ngesithembiso sokubahlawulela kwikamva. Ukuba "akukho ngetyala" kuthetha ukuba awunayo imbali ebalulekileyo yokuboleka imali nokuyibuyisela.
Into engenazo iNgxowa-mali ezithetha ngawe
Asizalwanga ngetyala. Enyanisweni, awuyi kuba namanqaku okuthenga ngetyala uze ufumane ubuncinane i-akhawunti enye yekredithi kwiinyanga ezintandathu ezidlulileyo. Abaselula nabaselula baqhelekileyo phakathi kwalabo "abangenakho ikhredithi." Ngaphandle kokuba abazali bakho bakwenze umsebenzisi ogunyazisiweyo okanye umnini-akhawunti odibeneyo xa usencinane, awuyi kuba neembali zekhredithi kwaye ngoko, awuyi kuba nekhredithi.
Kunokwenzeka ukuba ube neengxowa-mali ozihlawula rhoqo ngenyanga kwaye ungabi namanqaku ekhredithi. Hayizo zonke iinkampani ozihlawula ingxelo yenyanga kwirejista yemboleko. Ngokomzekelo, iinkonzo zesevisi, ifowuni kunye ne-akhawunti yobulungu be-gym ayixelwa kwi-credit bureaus kwaye ayiyi kunceda ukwakha amanqaku amatyala entle.
Ukungenawo amanqaku ekhredithi akuyona into embi. Umlinganiselo wakho wesikweletu ngokwakho - nokuba unetyala lekhredithi, akukho ngetyala okanye i-credit card-ayikho inkcazo yobume bakho boqoqosho okanye impilo yezemali.
Unako ukufumana umvuzo ophezulu kwaye ungenakho ikhredithi, ngakumbi ukuba uhlala uhlawula ngemali kwaye awuzange ube nekhadi lesikweletu, umbolekiso, okanye i-bill yexesha elidlulileyo.
Akukho mboleko kunye neNgxowa-mali engekho
Ukuba akukho kredit ayikho into efana nekhredithi embi. Xa unetyala elibi, kuthetha ukuba uboleke imali ngaphambili kwaye awuzange uyihlawule ngokuvumelana.
Ngenxa yoko, iibhanki ziya kunqikaza ukukunika ikhadi lekhredithi okanye mboleko. Xa ungenayo ikhredithi, phantse nje ingozi, kuba iibhanki ayikwazi ukujonga imbali yesikweletu ukuqikelela ukuba uya kuhlawula umboleko wakho ngexesha. Amabhanki afuna ukuqinisekisa ukuba anikezela ngetyala umntu oza kubakhokhela ngexesha.
Xa ungekho "credit", unokufumanisa ukuba unqatshelwe ngamakhadi-mboleko, iimali-mboleko kunye nezinye iinkonzo ezifuna ukukhangela ngetyala . Unako ukukwazi ukufumana imvume kwezinye iinkonzo, kodwa uya kufuneka uhlawule ukugcinwa kwekhuseleko okanye umququzeleli.
Indlela yokuseka iMatyala yakho
Xa ungenakho ikhredithi, unakho amathuba okuba izicelo zakho zivunywe kunokuba unesikweletu esibi, kodwa sisenokuba nzima. Ukuba uneminyaka engaphantsi kweminyaka engama-21 , kufuneka ukuba ube nengeniso yakho okanye umququzeleli ukuba avunyelwe kwikhadi lekhredithi.
Ungaqala ukwakha i-credit yakho ngaphandle kwekhadi lesikweletu, kodwa oko kuya kuthetha ukuba kufuneka uthabathe imali. Ukuba unemali-mboleko yomfundi oye waqala ukuhlawula okanye uya kuqala ukuhlawula ngokukhawuleza, oku kunokukunceda uqale ukukwakha imbali yemboleko. Unokucela umzali ukuba akunge njengomsebenzisi ogunyazisiweyo kwenye yamakhadi abo ekwereta.
Imbali ye-akhawunti ingakunceda ukuba ufanele ukufumana ityala kuwe.