Umnikeli wakho wekhadi lokuthenga ngetyala unelungelo lokukhansela ikhadi lakho lekredit ngaliphi na ixesha. Awukwazi ukufumana isilumkiso xa ikhadi lakho lekhredithi likhanseliwe kwaye ufunde ngokukhawuleza ikhadi lakho likhanseliwe xa lithathwa kwirejista. Ukuba uyazibuza ukuba kutheni umthengi wekhadi lokukhredithi ahlawule ikhadi lekhredithi, zizathu ezimbalwa.
01 Uyeke Ukusebenzisa iKhadi
Abaniki bamakhadi beemboleko abavumelekanga ukuba bahlawule i-dormancy okanye umrhumo wokungahlawulisi kubanikazi bamakhadi abangasebenzisi iikhadi lamatyala ngeenyanga eziliqela. Nangona abanye abaniki bamakhadi batyala imali yonyaka eyayingasuswa xa usebenzisa ikhadi lakho lekhredithi, abanye bayaphula umrhumo kwaye bakhansele kuphela ikhadi lakho lesikweletu xa uyeka ukuyisebenzisa.
Amagama akho ekhadini lesikweletu angachaza ukuba kufuneka usebenzise kangakanani ikhadi lakho lekhredithi ukuze lihlale livulekile. Ukuze ube kwicala elikhuselekileyo, sebenzisa zonke iikhadi lakho leentengo zemali nganye emva kweenyanga ezintathu okanye ezine ukuze uzigcine zivulekile kwaye zisebenza.
02 Uyeka ukuhlawula iintlawulo
Iintlawulo ezincinci rhoqo ziyimfuneko yesivumelwano sakho sekhadi lesikweletu. Abaninzi abakhweletayo banokukhansela ikhadi lakho lesikweletu emva kokuhlawulwa kwemali enye. Abanye baya kugxininisa kuphela amalungelo akho wokuhlawula ukuba uneminyaka engama-60 okanye engama-90 edlulileyo kwaye uvumele ukuba uqale ukuhlawula kwakhona xa uzisa i-akhawunti yakho yangoku. Nangona kunjalo, ikhadi lakho lesikweletu liya kuthiwa lihlawulwe kwaye livalwe ngokupheleleyo emva kweentsuku ezili-180 okanye ezintandathu ezintandathu ezingenayo intlawulo.
03 I-Score yakho yeMboleko iyancipha
Utshintsho olutshanje kumthetho wekhadi lesikweletu unqatshelwe ukungagqibekanga kwendalo yonke - umkhwa apho umniki wekhadi lokuthenga ngekhredithi uza kwandisa inzala yakho ngenzala ngenxa yokuhlawulwa kwentlawulo kunye nomnye umniki wekhadi lokuthenga ngetyala.
Nangona ababolekisi bengenako ukwandisa umyinge wakho wenzala ngenxa yeentlawulo ezigqityiweyo kwamanye ama-akhawunti (ngaphandle kokuba i-akhawunti ikhona kunye nomniki-khadi), banokuvala i-akhawunti yakho ngokupheleleyo. Ukuba umvuzo wakho wekhredithi uqala ukugxotha, ungamangaliswa ukuba abakhupheli bekhadi lakho lesikweletu baqala ukuvala amakhadi enkokhelo.
04 Uye walahla inani lokunyuka okanye olunye utshintsho
Ngaphambi kokuba umniki wekhadi lokuthenga ngetyala aphakanyise izinga lakho okanye intlawulo yonyaka, kufuneka akunike isaziso seentsuku ezingama-45 . Ngethuba le festile, unokwenqaba iimimiselo uze ukhethe ukuhlawula i-akhawunti yakho phantsi kwemigangatho yamandulo. Nangona kunjalo, abaninzi abanokukhawulwa kwamakhadi e-credit card bavala i-akhawunti yakho xa ugqiba ukugatya imigaqo emitsha.
05 Umthumeli wekhadi lokuthenga ngetyala uyasusa iKhadi leMali
Abaniki bamakhadi ngekhadi baqhubeka behlaziya iiphothifoliyo zabo zekhadi zekhredithi kwaye balahla amakhadi enkokhelo awayekhoyo. Kule meko, umniki wekhadi lakho lekhredithi mhlawumbi uyathumela isaziso sangaphambili ngaphambi kokuba uvale ikhadi lakho lekredithi kwaye akuxelele izinto ozikhethayo. Unokwazi ukudlulisela i-akhawunti yakho kwenye ikhadi le-credit card.
06 Ibhanki ivala
Ngelishwa, abanye abanikidi bekhadi lokuthenga ngetyala banyanzelekile ukuba bavale imisebenzi xa bengasenakunceda. Abaninzi bamakhredithi abathengisa amakhadi bathengisa iiakhawunti zabo zekhadi zekrediti kwi-issuer entsha yekhredithi. Umnikezeli omtsha wamakhadi angavala ikhadi lekhredithi kwaye ufuna ukuba ufake isicelo se-akhawunti entsha ukuba ufuna ukwenza ibhizinisi kunye nabo.