Qinisekisa iiAkhawunti eziMnandi zokuVala
Okokuqala kuya kufuneka ufumane ukuba yeyiphi na amakhadi esikwerethi oya kuvala kunye nawaphi ofuna ukuhlala uvulekile. Kufuneka uvule ikhadi lakho lekredithi elidala, nokuba ngaba izinga lakho liphezulu lenzalo. Ingxenye yesikhokelo sakho semali- mboleko inqunywe ubude bembali yakho yekhredithi, kwaye ukuba uvala ikhadi lakho elidala kakhulu lekhredithi uza kufutshane ubude bembali yakho yekhredithi, eyokunciphisa amanqaku akho. Kufuneka uqhubeke uvula ikhadi lekhredithi kunye nenani lentengo ephantsi. Unqwenela ukuba uninzi lwemali yakho yemali efumanekayo ukuphucula umlinganiselo wakho wekhredithi.
Vala amakhadi akho eemboleko
Emva kokuba uzimisele amakhadi amabini uya kushiya evulekile, kufuneka uqale ukuvala amakhadi akho ekwereta. Musa ukwenza oku de uze uhlawule iibhalansi ngokupheleleyo. Ungavala ikhadi lekhredithi ngokubhalela ileta ebhanki kwaye ucele ukuba bavale i-akhawunti yakho.
Thumela ileta ngenzuzo yokufumana i-receipt eceliwe, ngeposi, ukuze ukwazi ukuba le ncwadi ifinyelele kwikhampani kwikhadi lekhredithi. Ukongezelela, kufuneka ucele inkampani yekhadi lekhredithi ikuthumele ileta echaza ukuba i-akhawunti ivaliwe.
Qaphela ukuba Qinisekisa ukuba iAkhawunti ivaliwe
Hlola ibhalansi yakho ukuqinisekisa ukuba ihlawulwa, kwaye ubize malunga nenyanga ukuqinisekisa ukuba i-akhawunti ivaliwe.
Ukuba ayinayo, ngoko unokucela ukuba i-akhawunti ikhutshwe. Khangela ukujonga ukuba bakufumene isicelo sakho sokuvala i-akhawunti yakho. Uzakufuna ukubuyisela le leta, kuba ufuna idokethi kunye nobungqina ngokubhaliweyo ukuvala i-akhawunti. Kubalulekile ukuba ulandele rhoqo kwaye uqinisekise ukuba i-akhawunti ivaliwe. Ungalokothi ucinge ukuba, ingakumbi ukuba ikhadi lakho linomrhumo wonyaka, ngenxa yokuba ulahlekile intlawulo kwiinto ezinokubamba amanqaku akho.
Hlola iNgxelo yakho yeMali
Emva kweenyanga ezimbalwa kufuneka ukhuphe ingxelo yakho yekhredithi ukwenzela ukuba i-akhawunti ibonakale ivalwe. Ukuba uyazi ukuba ibhanki ivale ikhadi, kodwa ingavaliwe kwingxelo yakho yekhredithi kufuneka uqhagamshelane nebhanki yakho kwakhona kwaye ubacele ukuba babike i-akhawunti njengoko ivaliwe kwi-credit bureau. Ingathatha iinyanga ezimbalwa ukwenzela ukuba oku kuboniswe kwingxelo yakho yekhredithi, kodwa ukuba ingazange ibikwe emva kweenyanga ezintandathu ungacela ukuba i-bureau yee-credit ihlolwe kwi-akhawunti yakho.
Vala iAkhawunti Emva kokuba Ubahlawule
Ungavali amakhadi akho okwereta uze uhlawule ibhalansi ngokupheleleyo. Iikhampani zamakhadi zetyala zizimisele ngakumbi ukwenza isicwangciso sokuhlawula kunye nabaxhasi abaneakhawunti evulekileyo, kwaye baya kuthethana ngezinga lentlawulo ephantsi.
Emva kokuba uvale i-akhawunti ngokulinganisela kuyo, ke unyanzele ukuhlawula kwakhona kwimimiselo yangoku yesivumelwano. Ikhamphani yekhadi lekhredithi inokukwazi ukuphakamisa inzala yakho inzala njengoko iimarike zilungisa.
Qaphela Ngokuvala iiAkhawunti zakho Ngokukhawuleza
Ukuba uvala amakhadi akho ekwereta njengoko uhlawula izikali zakho, unokulimaza amanqaku akho ekhredithi, kuba inxalenye yemali yakho yekhredithi ichongiwe yimalini ye-credit, ngoko unokuba ufuna ukuba nekhadi lesikweletu elingekho ukuthwala i-balance balance open at all times. Kubalulekile ukuqonda indlela umvuzo wakho osebenza ngayo kunye nendlela ukuvala i-akhawunti yakho kuya kuthintela ngayo ipesenteji yekhredithi ngoku kusetyenziswa, xa ichaphazela amanqaku akho jikelele.
Ukuba usebenza ekwakheni ikhredithi yakho ukufaka isicelo semboleko yemali , kufuneka uqaphele ngokuvala ii-akhawunti zakho.
Kubalulekile ukulungisa iimpazamo zesikweletu esidlulileyo kwaye ufumane ityala lakho lilawulwe, kodwa ufuna ukuqinisekiswa ukuba nomlando weebredithi ende. Qinisekisa ukuba uye waqwalasela ezinye iingxaki ngeengxelo zakho zeentengo zemali, ezifana nokuhlawulwa kwexesha elide okanye ukuhlawula imali .
Cinga ngeCwangciso loPhuhliso lweMali elide
Abantu abaninzi basebenzisa amakhadi abo ekwereta njengengxowa-mali yongxamiseko okanye indlela yokufumana imali engaphezulu okanye imivuzo . Unokuziphepha ukuzisebenzisa ngexesha loxakeka ngokukhawuleza uhlahlo lwezexakeka kunye nokwakha uhlahlo lwabiwo-mali oluya kuthintela ukuba ungaphaya kwe-overspending. Ukuba usebenzisa amakhadi ekrejethi ukuze ufumane umvuzo, qi ni sekise ukuhlawula izilinganisi ngokupheleleyo ngenyanga. Unokuba ufuna ukuyeka ukusebenzisa ikhadi ngaphambi kokuba uyihlawule ngokupheleleyo ukuze ungabi nithwele inzala ekuthengeni kwakho. Oku kuya kukuvumela ukuba wandise imivuzo. Khumbula amakhadi kuphela anikezela umvuzo ngenxa yokuba enza unomdla kwinani labathengi kwaye ufuna ukukukhuthaza ukuba uchithe imali ethe xaxa.