Abantu abaninzi banqanda ukufakela i-bankruptcy ngenxa yokuba bayesaba incwadi ebomvu "B" iya kubabamba ukuba bangabikho ngetyala. Ngelixa i-bankruptcy ingakwazi ukujongana nefuthe elibi kwiimbali zakho zemali-mboleko, iphinda isule i-slate yakho icocekile, ikukhulule kwi-matyala, kwaye ikunike ithuba lokuqalisa. Enyanisweni, uya kufuna ukuqala ngokukhawuleza xa usulungile, ngoko uqala ukuvuselela ikhredithi yakho. Ababolekisi banemithetho eyahlukeneyo yokuvuma amakhadi esikweretyala kubantu abanomdaka.
Ukufumana ikhadi lokuthenga ngetyala emva kokuphazamiseka kungabi nzima njengoko ucinga.
Indlela yokuChobisa ichaphazela njani iNgxowa-mali yakho
Njengoko mhlawumbi uyazi, unika ingxelo yengxelo yemboleko equlethe imbali yeakhawunti zakho zekredithi. I-Bankruptcy iya kuphuma kwingxelo yakho ye-credit kwaye iya kuhlala iminyaka engama-7 ukuya kwe-10, kuxhomekeke kuhlobo lokutsalwa kwebhanki ozifakile.
Ukuba unomlinganiselo ophezulu wokuthenga ngetyala xa ufaka i-bankruptcy, umlinganiselo wakho wekredithi usenokulahla amanqaku angamakhulu amaninzi xa i-bankruptcy ibetha ingxelo yakho yesikweletu. Umlinganiselo wakho wekhredithi awukwazi ukufaka ifayile eninzi xa sele sele unomlinganiselo omncinci wesikolodo ngaphambi kokuba ufake i-bankruptcy. Ababolekisi baya kutsala ingxelo yakho yekhredithi okanye amanqaku ekhredithi xa wenza isicelo sekhadi lesikweletu, kodwa loo nto inokuthi ikunqande ukuba ufumane ikhadi lekhredithi.
Yazi Xa Ulungele iKhadi leMali
Ngaphambi kokuba ufake isicelo sekhadi lesikweletu, qiniseka ukuba ulungele uxanduva. Ngeke ukwazi ukufakela i-bankruptcy kwakhona iminyaka emininzi, ngoko ke ukuba ungena kwi-credit card ngetyala kwakhona, i-bankruptcy ayiyi kuba yindlela yokunceda.
Qinisekisa ukuba ulungisile imimiselo yokuchitha imali enokukufaka ematyaleni. Xa ufumana ikhadi lekhredithi kwakhona, kufuneka uqeqeshwe ngokwaneleyo ukuba uhlawule kuphela oko unokukwazi ukuthenga kumakhadi akho okwereta kwaye uhlawule ibhalansi yakho ngokugcwele inyanga nganye.
Khangela iBhokisi Yakho yeeMeyili kwiiMali zeKhadi leMali
Ukukhangela ibhokisi lakho lemeyile yenye yeendlela ezilula zokufumana ikhadi lekhredithi emva kokuphazamiseka.
Abanye abakhiqizi bamakhadi esikweleti, beyazi ukuba awukwazi ukufakela i-bankruptcy kwakhona iminyaka emininzi, uya kuthumela ukunikezelwa ngamakhadi abo ekwereta. Ezi zinikezelo zamakhadi ngamatyala ngamanye amathuba akho aphezulu okufumana imvume.
Ukuba ukhe ukhethile ukufumana ukunikezelwa kwekhadi lokuthenga ngetyala, umzekelo, ukunciphisa kwi-imeyile engenanto, abaxhasi bekhadi-mboleko abayi kuthumela nayiphi na isibonelelo kuba uyabayalela ukuba bangabikho. Uza kuphinda ungene kwakhona kwi-OptOutPrescreen.com ukuze uqale ukufumana izibonelelo ezivela kwiikhampani zekhadi lesikweletu.
Qhubeka ukhumbula, nangona kunjalo, ukuba ukunikezelwa kwamakhadi ekhredithi kwangaphambi kokuvunywa akuqinisekisi ukuba kuvunywa. Kuya kufuneka usebenze kwaye uphumelele kwinkqubo yokuvunywa kwesicelo. Ukuba, ngethuba, unqatshelwe, umniki wekhadi lokuthenga ngetyala uya kuthumela ileta ekukuxelela ukuba izizathu zakho ziphendulwe.
Lungisa iindleko zakho
Musa ukulindela ikhadi lakho lokuthenga ngetyala lokuqala, okanye mhlawumbi amakhredithi akho okuqala amakhredithi emva kokutshatyalaliswa, ukuba ube nemigangatho ephezulu. Amakhadi eemboleko kunye nemirhumo kunye namanani aphantsi-nzala agcinwa kubathengi abaneengxelo eziphezulu kakhulu zemali. Ukuba unomdla wokwakha kwakhona i-credit yakho, uya kufanelekela ezi ntlobo zamakhadi ekrediti ekugqibeleni, kodwa uya kufuneka uqinisekise ubungqina bakho bokuthenga ngetyala.
Gwema ukusebenzisa izicelo zamakhadi ozifake kwi-bankruptcy yakho. Ezi nkampani zinakho ukukhanyela isicelo sakho sekhadi lesikweletu. Qinisekisa ukuba ikhadi ukhetha iingxelo ubuncinane enye yezinto ezintathu ezinkulu zemali-mboleko , mhlawumbi zonke ezintathu. Ufuna ukusetyenziswa kwekhadi lakho lesikweletu ukuba lihambe kwingxelo yakho yekhredithi ukuze uqale ukubonakalisa imikhwa emihle yemboleko.
Cinga ngeKhadi leMali eliKhuselekileyo
Ikhadi lekhredithi elikhuselekileyo lifuna ukuba wenze idiphozithi ngokukhawulelana nomlinganiselo wesikweletu. Emva kokubhitswa kwebhanki, unako ukufumana imvume yamakhadi ekhusiweyo ngenxa yengozi encinane kumkhupheli wekhadi lesikweletu. Amanye amakhadi ekhredithi aqinisekileyo awanakukuvumela ukuba unobhajethi okhutshwe kwixesha elidlulileyo okanye kwiminyaka emibili edlulileyo; sifunde ngeemfuno zeemfuno zamakhadi ezikolo ezikhuselekileyo ocinga ngazo ukuba u-bankruptcy uyakukukhusela ukuba uvunyiwe.
Amakhadi amancinci athengiweyo okuqwalasela:
- Inkunzi eyodwa MasterCard ekhuselekile
- Fumana iKhadi Elikhuselekile
- I-Wells Fargo I-Visa I-Credit Card
- Ikhadi leVisa elikhuselekile lase-US
Umlinganiselo wakho wekhredithi uza kulingana nokugcinwa kwekhuseleko lakho, ngoko ke uhlawule ngokubanzi njengoko unakho kumda we-credit. Emva kweenyanga ezimbalwa zokugcina ikhadi lakho lekhredithi elungileyo, unokukwazi ukuguqula ikhadi lakho kwikhadi lekhredithi elingakhuselekanga. Abanye abanikidi bamakhadi bankokhelo banokuba bazimisele ngakumbi ukuvunywa kuwe kwikhadi lekhredithi elingakhuselekanga.
Iimali zeeNkcukacha zeMatyala zingabakho enye into efanelekileyo
Amakhadi okuthenga ngetyala - ezo zinikwe kwiivenkile ezithengayo - zihlala zifumana imigaqo-nkqubo yokuvunywa engqongqo kubafakizicelo. Unokuba nethuba lokuvunyelwa enye yale makhadi amakhadi. Uvumelekile ukuba uvunywe kwikharityhulam ye-credit card yokuvala i-loop, engenayo iVisa okanye i-MasterCard logo kwaye ingasetyenziselwa kuphela kwivenkile yokuthengisa.
Yazi ukuba yiziphi iikhadi zeNkcazo zokuKhusela
Uninzi lwamakhadi ekwereta anikezelwa kubafaki-zicelo abatshangise ukufakela i-bankruptcy banamanani amaninzi kunye nenkokhelo. Ngelixa ungeke ufanelekele i-echelon ephezulu yamakhadi-mboleko, oko akuthethi ukuba ufanele wamkele nayiphi na ikhadi lekhredithi eliya kukuvuma.
Gwema nayiphi na ikhadi lekhredithi elinomlinganiselo ophezulu kakhulu wenzala okanye ukuba iindleko eziphezulu zeemali eziphambili. La makhadi ekhredithi ayilona khetho oluhle kakhulu lokuqala xa befaka ityala ngaphambi kokuba ufumane ikhadi kwiposi. Ukuba, njengendlela yokugqibela yokukhetha, ukhetha enye yamakhadi, hlawula imali ngokukhawuleza ngaphambi kokuba isitatimende sakho sifike kwi-imeyile kwaye uhlawulele ibhalansi yakho ngokupheleleyo nyanga zonke ukuphepha iintlawulo zenzalo ezinkulu.
Ngelixa ungafungela amakhadi ekredithi ngenxa yokuba ungafuni ukuba uphinde uxhathise ityala kwakhona, uya kufuneka uvuselele kwakhona umlinganiselo wakho wekhredithi ukuba ufuna ukuhlawula imoto okanye ikhaya. Amakhadi ekwereta enye yeendlela ezilungileyo zokukwenza. Ukuhlawula kuphela imali encinci inyanga nganye kwaye uhlawule ibhalansi yakho ngokupheleleyo inyanga nganye kwaye, kungekuphela nje uya kuphepha ukufumana ityala kwakhona, ngelixesha uya kuphucula umlinganiselo wakho wesikweletu.