Iingcebiso Eziphambili Zokusebenzisa Amakhadi Eemboleko Ngokuhlakanipha
Ukusebenzisa amakhadi ekhredithi kubonakala kulula. Uwukhuphe ngaphandle kwesikhwama sakho, swayipha nge-reader yekhadi lesikweletu (okanye uyifake ukuba ulungisiwe kwikhadi lekredithi ye-EMV ), kwaye uhambe ngokuthenga kwakho.
Ukuba kwakungelula loo nto! Ukwazi konke okumele ukwazi malunga namakhadi ekhredithi kukubalulekileyo ekuphumeni kweengxaki zekhadi lesikweletu.
Izinto ezisisiseko zokusebenzisa iiCredit Credit
Abaniki bamakhadi bamakhadi benza inani elithile lekhredithi efumanekayo ukuba uboleke ngokugqithiseleyo.
Konke okufuneka ukwenze kukunamathela kwimimiselo yesivumelwano sekhadi lesikweletu. Oku kudla ukuthetha ukuhlawula ngexesha, ukuhlala ngaphakathi komda wakho wesikweletu, kwaye ungasebenzisi ikhadi lakho lekredithi ukwenza ubuqhetseba okanye ukuthenga izinto ezingekho mthethweni.
Ukuthengwa okwenziwe kwikhadi lakho lesikweletu kufuneka libuyiselwe, kodwa umnikezeli wakho wekhadi lokuthenga ngetyala unika ithuba lokubuyisela ibhalansi yakho ngexesha. Unako ukuqhubeka usebenzisa ikhadi lakho lesikweletu nangona unayo ibhalansi ngokukhawuleza ukuba unayo inkokhelo ekhoyo . Ngokomzekelo, ukuba umda wakho weekhredithi ngu-$ 1,000 kwaye ibhalansi yakho yangoku i $ 400, usenayo i-$ 600 ngetyala efumanekayo ekuthengeni kwangaphambili.
Ukuba ukhetha ukuhlawula ixesha, kuya kufuneka wenze okungenani ubuncinane iintlawulo zenyanga ngenyanga ngosuku olufunekayo ngenyanga. Ngaphandle koko, uya kujamelana neentlawulo kwiyiphi na iinyanga zokugqibela. Ukongeza, uya kuhlawula inzala kuyo nayiphi na ibhalansi ohlawula ngayo ixesha elithile.
Le nto yinto efana nento efana nokusebenzisa ikhadi lekhredithi. Masihlalele kwiinkcukacha.
Ukukhetha iKhadi lokuTyala eliKhe
Awukwazi nje ukhetha ikhadi lekhredithi ngokungaqhelekanga ngenxa yokuba uyifumene kwisikhangiso okanye wamkela isipho kwi-imeyile.
Kukho ininzi kunye namaninzi eekhadi lokuthenga ngetyala kwiimarike ngeemali ezahlukileyo, iirhafu zemali, imivuzo kunye nezinye izinto. Nazi ezinye iingcebiso ekukhetheni ikhadi elifanelekileyo lekhadi.
Qinisekisa into oyifunayo kwikhadi lekhredithi . Ngaba ufuna ukuhlawula ibhalansi kwisantya somyinge ophantsi? Ufumana umvuzo ekuthengeni? Yenza ukuthenga okukhulu kwaye ungahlawuli nzala? Qala ukwakha okanye ukwakha i-credit yakho?
Ezi ziintlobo eziphezulu zamakhadi-mboleko ongakhetha kuzo:
- Umgangatho oqhelekileyo okanye "i-vanilla ecacileyo" yamakhadi-mboleko ngamakhadi asematyala angundoqo anikezeli nayiphi na imivuzo ekhethekileyo okanye inzuzo.
- Iintlawulo zemakhadi-ngxowa- mali zihlawula imali emva, iimitha, okanye zikhomba umvuzo ekuthengeni kwakho.
- Ukukhawulwa kwamakhadi ekhredithi ngokukhawuleza kunikezela ngesantya sokungena esezantsi kwimilinganiselo oyithumela ekhadini lesikweletu.
- Amanani amakhadi ekwereti anomdla omncinci anikezela ngesantya esincinane sokungenisa ekuthengeni. Amanye amakhadi ekhredithi anikezela ngezinga eliphantsi kokutshintshwa kweebhanki kunye nokuthenga.
- Amakhadi ekhredithi e-Premium anika imivuzo ephezulu kunye nezinye izinto zokunethezeka. La makhadi eemboleko ahlawula imali ephezulu yonyaka.
- Amakhadi ekhredithi abafundi ajoliswe kubantwana abaselula ababhalise kwikholejini eliyiminyaka emine.
- Amakhadi okuthenga ngetyala angasetyenziswa kuphela ngevenkile ethile yokuthengisa.
Hlola imirhumo kunye nomdla . Nciphisa izinto ozikhethileyo kwaye ubuyekeze ixabiso lekhadi lokuthenga ngetyala ukuze ufumane ingcamango yokuba ingaba nekhadi lokuthenga ngetyala kangakanani. Ukuba ukhetha ikhadi lokuthenga ngetyala ngemali yonyaka, qiniseka ukuba inzuzo iyafaneleka.
Thelekisa amakhadi afanayo . Thelekisa inzala, inkokhelo, imivuzo, kunye nemali yamakhadi-kredithi avela kwiimveliso ezahlukeneyo zekhadi zekhredithi. Uyakwazi ukujonga imigqaliselo yekhadi lekhredithi kwi-intanethi kwiwebhusayithi nganye yomthengisi wekhadi okanye usebenzisa i-website yekredithi yekredithi.
Yazi ukulinganiswa kwesikweletu sakho . Imbali yakho yemali iya kudlala indima enkulu ekukwazi ukuvunyelwa kwikhadi lekhredithi. Ngokuqhelekileyo uza kufuneka umlinganiselo wekhredithi ophezulu ukufumana iimvuzo zamakhadi-ngetyala, amakhadi enkokhelo ngamanani omdla wokunyusa, kunye namakhadi okuthenga ngetyala.
Emva kokuba ukhethe ikhadi lekhredithi, ungagqiba isicelo sekhadi lesikweletu kwi-intanethi uze ufumane ukuba uvunyiwe kwimizuzu.
Ukuqonda iiMali zeKharity Card
Amakhadi enkoleko angafika kunye nenani lemirhumo. Abanye baphepheka ngokuxhomekeka kwindlela osebenzisa ngayo ikhadi lakho. Abanye bayadingeka kungakhathaliseki ukuba yintoni. Iimali zamakhadi eziqhelekileyo ziquka:
- Intlawulo yonyaka . Le ntlawulo ihlawulwe kanye ngonyaka kwiakhawunti yekhadi lakho lesikweletu. Amanye amakhadi ekhredithi ayalahla umrhumo wonyaka kunyaka wokuqala.
- Imali ephantsi . Abathengi bamakhadi abemali-mboleko bahlawula umrhumo wexesha elifutshane ukuba intlawulo yakho yenyanga ingaphantsi kobuncinci okanye ifunyenwe emva komhla wokugqibela.
- Imali yokuthumela imali . Xa udlulisela ibhalansi kwenye ikhadi lekhredithi, uya kuthi uhlawuliswe imali yokudlulisela imali, ipesenti yemali edluliselweyo.
- Imali yokuhlawula imali . Ukuba usebenzisa ikhadi lakho lekredithi ukurhoxisa imali ngokumalunga nomda wakho wemali, uzakuhlawulwa imali yentlawulo engaphambili. Imali yokuhlawula imali yangaphambili yipesenti yepesenti yemali yakho yangaphambili.
- Umrhumo wezeMali . Xa uthabatha ibhalansi kwikhadi lakho lesikweletu, uhlawuliswa inzala ngendlela yokuhlawulwa kwezemali.
- Imali yokuthengiswa kwamanye amazwe . Le ntlawulo iyahlawulwa xa kuthengwa ngezinye iimali. Umrhumo ngokuqhelekileyo ipesenti yemali yokuthengiselana kwaye unokukhutshwa kunye neentlobo ezithile zamakhadi-mboleko.
Iintengiselwano onokuzenza
Uninzi lwamakhadi-krediti akuvumela ukuba wenze iintlobo ezintathu zokuthengiselana: ukuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali.
Nanini na xa usebenzisa ikhadi lakho lekredithi ukuthenga into ethile, wenza ukuthenga. Ubuninzi bemali yakho yokuthengiselana mhlawumbi iya kuthengwa, enokwenziwa kumntu, kwi-intanethi okanye ngefowuni. Kukho akukho mrhumo wokuthenga izinto kwikhadi lakho lekhredithi. Kodwa, naziphi na izilinganiso ozenzayo kwikhadi lesikweletu zixhomekeke kumdla.
Ukutshintshiselwa kwemali xa uthumela imali kwikhadi lesikredithi kwenye.
Ungadlulisela ibhalansi ukuze usebenzise inzuzo yenzalo ephantsi okanye udibanise izilinganiso zekhadi lakho lesikweletu. Ukudluliselwa kwemali kubhaliswa ngokuqhelekileyo ukuhlawulwa kwemali yokubhalwa kwemali kwaye kungenziwa phantsi kwentlawulo ephezulu kunokuba kuthengwe.
Ukuqhubela phambili kwemali kwenziwa xa usebenzisa ikhadi lakho lekhredithi ukurhoxisa imali kwi-ATM. Ukuthengwa kwemali efana neentengo kungaphathwa njengengeniso yemali. Oku kubandakanya izinto zokudluliselwa kokukhutshwa kwe-overdraft kunye nokuthengwa kweemali okanye ukuhanjiswa kwentambo. Inkqubela phambili yemali ihlawuliswa imali yentlawulo engaphambili kunye nomdla ophezulu. Gwema ukukhupha imali ekwikhadi lakho lekhredithi kuba libiza kakhulu kunezinye iintlobo zokuthengiselana.
Ukuqonda iNzala yeMali yeTyala
Abaniki bamakhadi ngekhadi batyala inzala kwiintengiso zekhadi lakho. Umyinge wenzalo uboniswa njengezinga lepesenti okanye i-APR.
Ikhadi lakho lekhredithi liya kuba ne- APRS embalwa : enye yokuthengwa, enye yokutshintsheliswa kwemali, enye yokuqhubela phambili kwemali, kunye ne-penalty APR ehlawulwe xa ungagqibekanga ngokwemiqathango yekhadi lakho lesikweletu. Inzala yomdla kwikhadi lakho lekhredithi libophelelwe kukuthenga kwakho. Ngokuqhelekileyo, i-credit yakho ingcono, i-down interest rate you receive.
Uninzi lwamakhadi akhredithi anama-APR ahlukeneyo , oko kuthetha ukuba banokunyuka kunye nokuhla ngokusekelwe kwisilinganiselo se-index, njenge-Prime Prime rate. Ireyiti yekhredithi yekhadi lakho lesikweletu linokunyuka ukuya kwisihlomelo u-APR ukuba uyasemva kwiintlawulo zakho ngeentsuku ezili-60.
Inzala ityala kwikhadi lakho lekhredithi ngendlela yokuhlawulwa kweemali , ebalwa ngokusekelwe kwibhalansi yakho (okanye ibhalansi yakho yemihla ngemihla) kunye ne-APR yakho.
Ikhadi lakho lesikweletu liza ixesha lokubambela ngexesha ongayikhokhela ibhalansi yakho epheleleyo kwaye ugweme ukuhlawulwa. Ixesha lobabalo luphakathi kweentsuku ezingama-20 ukuya kwi-30 kuxhomekeke kwiimali zekhadi lakho lesikweletu. Isikhathi sobabalo asinakusebenza xa uqale umjikelezo wokuhlawula kunye nokulinganisela okanye ukuthengiselana akufumani ixesha lobabalo. Ukutshintshwa kwemali kunye nokuhanjiswa kwemali ngokuqhelekileyo akunalo ixesha lobabalo.
Ukufumana imivuzo ngelixa usebenzisa iiCredit Credit
Imivuzo yamakhadi ekrekodi ahlawula inzuzo ekuthengweni kwekhadi lakho lesikweletu. Unako ukuqokelela imivuzo uze ubahlawulele imali yeemali, iindleko zokuhamba, amakhadi wesipho, kunye neentengiso.
Amaninzi amanqaku amakhredithi enkokhelo anikezela umvuzo omkhulu kwiintlobo ezithile zokuthenga. Ngokomzekelo, ikhadi lekhredithi yokuhamba linokuhlawula umvuzo omkhulu kwiindiza kunye neehotele ozozibhala ngekhadi lakho lesikweletu.
Kubalulekile ukwazi imigangatho yemivuzo yakho yamakhadi-ngetyala-inani lembuyekezo oyifumanayo ekuthengeni, inani lembuyekezo lokuncinci, nayiphi na imini yokuphelelwa yimbuyekezo, kunye nezinto onokuzenza ukuze ulahlekelwe yimbuyekezo yakho. Ngokomzekelo, ukuba uwa emva kweentlawulo zekhadi lakho lekhredithi, ungalahlekelwa yimbuyekezo oye waqokelela.
UkuLawula iMali Yakho Imali
Amanqaku amaninzi eemali- mboleko aya kumlinganiselo wokuthenga ngetyala -inani elikhulu ovunyelwe ukuyisebenzisa kwikhadi lakho lesikweletu. Umlinganiselo wakho wekhredithi uzimisele ngokusekelwe kwimbali yakho yekhredithi, ingeniso, kunye nohlobo lwekhadi lesikweletu ozifakile isicelo.
Ukuhlala ngaphakathi komda wakho wemali kukuvumela ukuba ugweme izigwebo kwaye ugcine i-akhawunti yakho ngokuma kakuhle. Ukongeza, ukugcina izilinganisi zekhadi lakho lokuthenga ngetyala (credit card balance) elingaphantsi kwesiqingatha semali-mboleko kungcono kumanqaku akho.
Umnikezeli wakho wekhadi lokuthenga ngetyala unokunyusa ngokukhawuleza umda wakho wesikweletu xa usebenzisa i-akhawunti yakho ngokufanelekileyo kwaye ingeniso yakho iyanda. Unokucela ukongezwa kwemida yekhredithi kwi-issuer yakho yekhadi lokuthenga ngetyala xa sele iinyanga ezininzi emva kokuba ufumene ukwanda kwakho kokugqibela. Xa ucela ukunyuswa kwemida yekhredithi, umnikeli wekhadi lesikweletu uhlaziya umlando weakhawunti yakho, ingeniso, kunye nembali yengetyala ukugqiba ukuba ngaba ufanelekile.
Amanye amakhadi ekhredithi ayinayo umlinganiselo wokuchitha imali. Ukuba nekhadi lekhredithi elingenamlinganiselo wenkcitho ekhethiweyo akuthethi ukuba unokuchitha imali elingenamkhawulo kwikhadi lakho lesikweletu. Kunoko, kuthetha ukuba imali onokuyisebenzisa kwikhadi lakho lesikweletu lixhomekeke kwimikhwa yakho yokuchitha imali, imbali yemboleko kunye nokukwazi ukubuyisela. Unokubiza umnini-khadi wakho wekhadi ukuba ubuze umda wakho wokuchitha imali xa uzibuza ukuba unokwenza ukuthenga okukhulu kwikhadi lakho lesikweletu.
Ukufunda Iingxelo Zakho Zokuhlawula
Ngenyanga nganye, uya kufumana isitatimenti sokuhlawula okubandakanya zonke iintengiselwano ezenziwe kwiakhawunti yakho kumjikelezo wokuhlawula. Isitatimenti senkokhelo sichaza ibhalansi yakho ephumayo, intlawulo yakho encinci yokuhlawula, kunye nomhla ofunekayo.
Isitatimende sakho sokuhlawula siya kufika kwidilesi yokubhatala oyinike umniki-khadi wakho wekhadi. Okanye, ukuba ubhalisele ukuhlawula i-paperless, uya kufumana i-imeyile ekukwazisa ukungena ngemvume ukujonga i-akhawunti yakho ye-intanethi ukujonga isitatimenti sakho.
Musa ukuthatha into yokuba yonke into ekhadini lakho lekhadi lekhredithi lichanekile. Funda ngokuthenga ngalunye kwikhadi lakho ukuqinisekisa ukuba: intlawulo yakho yokugqibela kunye nawaphi na ama-credits asetyenziswe ngokuchanekileyo, uhlawuliswe imali elungileyo kuyo yonke into oyithengayo, kwaye akukho ukuthengiswa okungagunyazisiweyo kwikhadi lakho lesikweletu.
Ukuba ufumanisa nayiphina impazamo kwisitatimenti sakho sokubhatala, unelungelo lokuphikisana nephutha kunye nomniki-khadi wakho wekhadi. Ukubaluleka kwengxabano yakho kubalulekile. Unemihla engama-60 ukususela kumhla wokuthunyelwa kwetayitile kuwe ukuba wenze ingxabano yakho. Ukukhusela amalungelo akho phantsi koMthetho weNkundla yeMali yokuTyala, i-ingxabano yakho kufuneka yenziwe ngokubhaliweyo. Hlola isitatimenti sakho sokubhatala kwidilesi yesikhupheli sekhadi lesikweletu ngeposi yeposi.
Naziphi na iintlawulo ezingagunyaziswanga kufuneka zichazwe kumniki-khadi wakho wekhadi ukwenzela ukuba zisuswe kwi-akhawunti yakho. Unokufumana kwakhona ikhadi elitsha lekhredithi ngenombolo entsha ye-akhawunti ukuba uyakrokrela ukuba iakhawunti yakho yekhadi lesikweletu iye yahlaziywa.
Ukwenza Iintlawulo zeKhadi leKhadi
Ngesivumelwano sakho sekhadi lesikweletu, kufuneka uhlawule inyanga nganye. Ngaphandle kokuba unekhadi lokuthenga (efuna ukuba uhlawule ibhalansi yakho ngokugcwele), ufunwa kuphela ukwenza inkokhelo encinci. Intlawulo encinci kuphela ipesenteji encinci yemali esele ihlawulwe kwaye ngokuqhelekileyo kulula ukwenza.
Nangona umnikeli wakho wekhadi lokuthenga ngetyala unikucela ukuba wenze iintlawulo ezincinci, ngokuqhelekileyo ukuhlawula ngaphezulu. Ngeentlawulo ezincinci, ibhalansi yakho ihla ngexabiso elincinane inyanga nganye ngenxa yokuba inxalenye enkulu yentlawulo iya kusetyenziswa kumdla. Oku kwandisa inani elithathayo ukuhlawula ibhalansi yakho. Ngokufanelekileyo, kufuneka uhlawule iibhalansi zakho ngokupheleleyo ngenyanga.
Kubalulekile ukwenza inkokhelo yekhadi lakho lekhredithi ngomhla ofanelekileyo ngenyanga. Ngaphandle koko, uyahlawuliswa umrhumo wexesha elidlulileyo kuyo nayiphi na intlawulo engayifumana ngomhla ofunekayo. Ukuba inkokhelo yakho ingaphezu kweentsuku ezingama-30, i saziso esifikiweyo siya kudibaniswa kwingxelo yakho yekhredithi kwaye iya kuphazamisa amanqaku akho.
Umnikezeli wakho wekhadi lokuthenga ngetyala uya kunika ikhetho ezimbalwa zokwenza iintlawulo. Ungathumela isheke okanye wenze ifowuni okanye intlawulo ye-intanethi usebenzisa i-akhawunti yokujonga kunye nenombolo yokuhamba. Awukwazi ukwenza ikhadi lakho lokuthenga ngetyala ngekhadi lekredithi okanye kunye nekhadi lokukhwabanisa. Ungakwazi ukusekela ukuzenzekela ngee-autopay ukuqinisekisa ukuba iintlawulo zakho zenziwa ngexesha xa unenkxalabo yokukhumbula ukuyenza inyanga nganye.
Into eyona nto ungayenza nje ukuyeka ukuhlawulwa kwekhadi lakho lesikweletu, kungakhathaliseki isizathu. Uninzi lwababolekisi baya kukunceda ukuba ubazise ngaphambi kokuba uphephe intlawulo yakho. Biza umnini-mboleko wakho, uchaze ngokufutshane imeko, kwaye ucele zakho iinketho.
Ukuvala iKhadi leMatyala
Akukho onke amakhadi ekhredithi okumele agcinwe ngonaphakade. Unokucinga ngokunciphisa inani lamakhadi-mboleko onayo. Okanye, ungavala ikhadi lekhredithi ngenxa yokuba umnikeli wekhadi utshintshe imigaqo yekhadi. Ukuvala ikhadi lekhredithi kuyinto elula njengokwenza umnxeba kumniki wekhadi lakho lesikweletu, kodwa kukho ezinye izinto omele wazi ngaphambi kokuba uthathe isenzo.
Ukuvala ikhadi lekhredithi kunokulimaza amanqaku akho okwekhredithi, ngokukodwa ukuba ikhadi lekhredithi linokulinganisela okanye lenza inxalenye ebalulekileyo yembali yakho yematyala. Ukuba ufuna ukuvala ikhadi lekhredithi, kukulungele ukuhlawula ibhalansi yakho kuqala.
Ukuba uvala ikhadi lakho lekredithi ngelixa linokulinganisela, umlinganiselo wakho wekhredithi ungathatha isithintelo. Ngethamsanqa, i-credit score yakho kufuneka iphakame njengoko uhlawula ibhalansi yakho.
Ukuze ufikelele kwibhalansi yezinga, iintlawulo zakho zenyanga rhoqo ziyafuneka, nangemva kokuba ikhadi lakho lekhredithi livaliwe. Unokwazi ukufumana imiphumo efanayo yembuyekezo yokugqibela - intlawulo ehlawuleyo yenyuka izinga lomdla, kunye nokunika ingxelo ngetyala-xa i-akhawunti yakho ivaliwe.
Ngaphambi kokuba uvale ikhadi lakho lekhredithi, rhoxisa nayiphi na intlawulo ngokuzenzekelayo okanye ukubhaliselwa, njengomculo okanye inkonzo yokuthungatha, umise ngekhadi lakho lesikweletu. Ngaphandle koko, ezi ntlawulo ziya kuguqulwa. Unokujamelana nokukhanselwa okanye ezinye izigwebo ezivela kubanikeli benkonzo yakho. Khangela kwi-statement yekhadi yesikweletu esandula kutshanje ukuze ufumane ingcamango yeentlawulo ezizenzekelayo ozifakile kunye nekhadi lakho lesikweletu.
Sebenzisa nayiphi na imivuzo oye waqokelela ngaphambi kokuba uvale ikhadi lakho lekhredithi. Xa i-akhawunti yakho ivaliwe, uya kulahlekelwa nayiphi na imivuzo engasetshenziswanga.
UkuPhepha amatyala kwiKhadi leMatyala
Ngenxa yokuba uboleka imali xa usebenzisa ikhadi lokuthenga ngetyala, kukho ithuba lokungena kwiityala. Ukuhlawula amatyala kunokuthatha iminyaka emininzi, amawaka eedola, kunye neeninzi zamadini. Kulula kakhulu ukuba usebenze kwaye uhlale ngaphandle kwetyala lekhadi lesikweletu.
Isitshixo ekukhuseleni ityala lekhadi lesikweletu kukukwenza umkhuba wokuhlawula kuphela oko unokukwazi ukukwenza. Emva kokuba uqale ukusebenzisa ikhadi lakho lekredithi ukuxhasa imali yokuphila engaphezu kweendlela zakho, ubeka ingozi ekungeneni kwetyala lekhadi lesikweletu. Iimakhadi ezithengiweyo ngaphezulu, kulula ukuba ungene phezu kwentloko yakho.
Yenza izigqibo zobulumko malunga nokuthenga izinto ozifunayo ngokubhekiselele kwizinto ozifunayo. Sonke sisebenzise igama elithi "imfuno" ukuchaza into esiyifunayo. Ukusebenzisa ikhadi lakho lokuthenga ngetyala ngeendlela ezifanelekileyo ukuqonda ukuba yiziphi izinto ozifunayo kunye noko ufuna.
Gwema ukusebenzisa ikhadi lakho lekhredithi ukwenza ukuthenga kwansuku zonke ngaphandle kokuba kuzuze umvuzo okanye uphathe kakuhle imali yakho. Ukusebenzisa ikhadi lakho lesikweletu njengengeniso yemali ngumkhwa okhokelela kwibhatyala. Ukuthenga okuqhelekileyo, shiya ikhadi lakho lekhredithi kwisikhwama sakho kwaye usebenzise ikranti okanye ikhadi leedbit.
Bhatala ibhalansi yakho ngokupheleleyo ngenyanga. Nangona nje uhlawula ibhalansi yakho yekhadi lesikweletu, uhlala ngaphandle kwetyala. Xa ungeke ukwazi ukuhlawulela ibhalansi yakho epheleleyo, lixesha lokubuyisela imali yakho kwi-card credit card uze ufumane imali yakho.
Yintoni enokuyenza Ngetyala leKhadi leKharityhulam
Le mihla, ukuba nekhadi lesikweletu nje kukubeka engozini yokuba lixhoba lekhredithi yekhadi lesikweletu . AbaHackers bangakwazi ukweba ulwazi lwakho lwekhadi lesikweletu ukusuka kumashishini apho usebenzise ikhadi lakho. Baye baqhelana nolwazi lwekhadi lesikratshi kwiinkcukacha zepetroli kunye namanye amashishini. Kwaye, banokukhohlisa ekunikezeni ulwazi lwekhadi lakho lesikweletu ngokufaka njengebhanki yakho okanye enye inkampani oqhuba ishishini nayo.
Uninzi lweenkampani zamakhadi zekredithi ziya kuzama ukukhusela ukukhwabanisa kwi-akhawunti yakho ngokunciphisa ukuthenga okungavumelekanga de ukuba ziqinisekise ukuba nguwe ozama ukuthengiselana.
Unokuthintela ukukhwabanisa kwekhadi lokuthenga ikhredithi ngokukhusela ulwazi lwakho lwekhadi lesikweletu. Ungangenisi ulwazi lwekhadi lakho lesikweletu kwiiwebhsayithi ezisolisayo okanye uyithumele kwi-intanethi. Futhi ugcine umkhondo wekhadi lakho lekhredithi ngamaxesha onke.
Qaphela ukuthengiswa kwekhadi lakho lesikweletu ngokudala i-akhawunti ye-intanethi kunye nomniki-khadi wakho wekhadi. Ngale ndlela, unokuyihlolisisa ukuthengwa kwekhadi lakho lekredithi rhoqo ukuba ubone nayiphi na inkunkuma ekhangela.
Ukuba ubona iintlawulo ezingagunyaziswanga, vumela umnikeli wakho wekhadi lokuthenga ngekhredithi wazi ngoko nangoko ukuze iindleko zisuswe kwaye unokufumana ikhadi elitsha lekhredithi. Abaninzi bamakhredithi bamakhadi banemigaqo-nkqubo yokunyanzela inkohlakalo okuya kukugcina ungabangelwa yimirhumo yobuqhetseba eyenziwe kwi-akhawunti yakho.
Amakhadi aMatyala kunye neMali Yakho yeMali
Umlinganiselo wakho wekhredithi yinani elishwankathela ulwazi kwingxelo yakho yekhredithi. Abaninzi bemboleko kunye nababolekisi basebenzise amanqaku ekhredithi yakho ukuba banqwenele ukuba bayavuma izicelo zakho kwaye usethe ixabiso lakho.
Abaninzi bamakhredithi abakhulu bekhredithi bathumela ukuhlaziywa kwii-credit bureaus, iinkampani eziqokelela kunye nokugcina ulwazi lweengxelo zemboleko. Oko kuthetha ukuba indlela oyisebenzisa ngayo ikhadi lakho lekhredithi liya kuba nefuthe ngqo kumanqaku akho ekhredithi.
Ukusebenzisa ikhadi lakho lokuthenga ngetyala kukunceda ukuba wakhe kwaye ulondoloze umgangatho omhle wamatyala . Izinto ezibini ezilungileyo kakhulu ongayenza kumgangatho omhle wesikweletu zigcina ibhalansi ephantsi kwaye wenze iikhodi zekhadi lakho lesikweletu ngethuba lenyanga nganye.