Ukuhlawula iindleko ngekhadi lakho lekredithi ukuze uzuze umvuzo okanye ukuphatha kakuhle imali yakho imali xa uhlawula ibhalansi yakho ngokupheleleyo ngenyanga. Nangona kunjalo, ukuba uhlawula iibhidi ngekhadi lakho lekredithi kuba awukwazi ukuhlawula ngemali kwi-akhawunti yakho yokutshekisha, luphawu lweengxaki zemali ezinkulu eziya kuba zibi xa uvumela ukuba ube ngumkhwa .
Ukuba unenkathazo yokuhlawula iintlawulo zebhilikhi ngenxa yokuba ufumana ii-paychecks zeveki okanye zenyanga, ukusebenzisa ikhadi lakho lekredithi kunokukunceda ukuphatha kakuhle iibhola zakho-nje kuphela xa unokuhlawula ibhalansi yakho ngokugcwele inyanga nganye.
Indlela yokuhlawula iiBhili zakho zenyanga kunye neKhadi leMboleko
Into yokugqibela ofuna ukuyidiliza imali yakho kwizame zokufumana umvuzo wemali yekredithi. Ukuba uhlawula iibhidi zakho ngekhadi lesikweletu, qaphela ukuba awusebenzisi kakubi ikhadi lakho lekhredithi.
- Qala nge-balance balance kwaye uhlale uhlawula ngokupheleleyo: Ngaphambi kokuba utshintshe ukuhlawula iibhokhwe zakho ngekhadi lesikweletu, hlawula ibhalansi yakho yekhadi lesikweletu. Ngaloo ndlela, uqala nge-balance balance kwaye ungayisebenzisa ixesha lokubonga ngekhadi lokuthenga ikhredithi ukuze ungaphepheli umdla. Ngaphandle koko, ukuba usebenzisa ikhadi lekhredithi elinokulinganisela, iintlawulo zezemali ziya kwongezwa kwi-balance yakho inyanga nganye, okwenza kube kubi kakhulu ukuhlawula iindleko zakho ngekhadi lesikweletu.
- Ungayisebenzisi amakhadi amaninzi eemali-mboleko: Kulula ukulawula ibhalansi yakho xa usebenzisa ikhadi elilodwa lekhredithi ukuhlawula iindleko zakho kunokuba uzame ukuhlawula iibhilidi kumakhadi amaninzi ematyala. Khetha ikhadi lekhredithi elinomlinganiselo omkhulu wemali kunye nethuba elihle lokufumana umvuzo. Iimakhadi ezingaphezulu zemali oyisebenzisayo ukuhlawula iindleko, kunzima ukuba ulandele uphinde ulawule ibhalansi kuzo zonke iikhadi lakho lekredithi. Akunakwenzeka, kodwa kufuneka ube nokunyamekela ngokugcina izilinganiso zakho kwaye uqinisekise ukuba awuchithekanga ngaphezu kokuba unakho ukuthenga.
- Jonga ikhredithi yakho ekhoyo : Ukuba uceba ukuhlawula zonke iindleko zakho zenyanga ngekhadi lesikweletu-okanye ubuncinci iibill ezingakhokhelwa ngeentlawulo zekhadi-khredithi - qi niseka ukuba kukho imali eyaneleyo kwikhadi lakho lesikweletu. Abanini bamakhadi abaninzi bekhredithi baye baphula iifizi zohlwayo ngokugqithisa umda wakho wekhredithi, kodwa ibhalansi ephakamileyo inokulimaza amanqaku akho kwirejethi ukuba kuxelwe kwi-credit bureaus (ibhalansi yakho kumhla wokuvala isitatimende ngokuqhelekileyo oko kuthethwa kwii-credit bureaus). Unako ukukhulula i-credit ngenyanga leyo ngokwenza iintlawulo ezongezelelweyo kwikhadi lakho lesikweletu.
- Gcina imali yemali ekhoyo kwiakhawunti yakho yokujonga: Ngenxa yokuba uhlawula iibhilikhwe ngekhadi lakho lekhredithi akuthethi ukuba unako ukuhlawula imali kwi-akhawunti yakho yokujonga. Kunoko, sebenzisa le mali ukuze uhlawule ngokulinganisela kwekhadi lakho lesikweletu. Uya kuphelisa amatyala kwaye ukhuphe umvuzo. Qhubeka uqaphela i-balance balance accounts ukuze uqiniseke ukuba ibhalansi yakho yekhadi lesikweletu ayidluli ibhalansi ekhoyo kwi-akhawunti yakho yokujonga.
- Zigweme ukuhlawula iindleko ezibizayo zokuzikhethela: Ezinye iinkampani zihlawulisa imali eyongezelelweyo yokuhlawula i-bill yakho ngekhadi lesikweletu. Ngokuxhomekeke kwimali yemali, unokuyeka ukuhlawula eso sibhozo ngekhadi lesikweletu kwaye usebenzise i-akhawunti yakho yokutshekisha endaweni yoko. Unokuthi ulungele imali e-$ 2 yokulungelelanisa, kodwa gcinani engqondweni ukuba iifowuni zidibanisa, ingakumbi ukuba uyazihlawula kwiindleko ezininzi.
Yiyiphi iYilwayo oya kuhlawula ngeKhadi leMali?
Ngeke ukwazi ukuhlawula ezinye iindleko ngekhadi lakho lesikweletu. Unokuhlawula ngokuqhelekileyo iselfowuni yakho, ezinye iinkonzo, ikhebula kunye ne-intanethi ngekhadi lakho lesikweletu. Unokwazi ukuhlawula irenti yakho ngekhadi lesikweletu, kodwa kuxhomekeke ekubeni umninimzi wakho uyamkela amakhadi ekwereta. Iinkampani ezinkulu zolawulo lwepropati ziyakwazi ukufumana amakhadi ekredithi.
Qinisekisa ukuba akukho mali ebiza kakhulu yokuhlawula irente yakho ngekhadi lesikweletu.
Iinkampani ezikuvumela ukuba uhlawule umrhumo wakho ngekhadi lesikweledu ngokuqhelekileyo makenze inkokhelo kwi-intanethi okanye ngefowuni. Uya kufuneka unike inombolo yakho yekhadi lesikweletu kunye nomhla wokuphelelwa yisikhathi kwaye ubuncinane ikhowudi yakho ye-zip yokukhokha. Ezinye iinkampani zinokucela idilesi yakho yokuzalisa epheleleyo kunye nekhowudi yokhuseleko emva kwekhadi lakho lesikweletu (phambi kwe-American Express yakho.)
Ngeke ukwazi ukuhlawula ibhilidi yakho yekhadi lesikweletu kunye nelinye ikhadi lekhredithi. Kwakhona, abanye ababolekisi nabo abawuthathi amakhadi enkredithi kwiintlawulo. Uya kufuneka usebenzise i-akhawunti yakho yokutshekisha ukuhlawula nayiphi na iindleko ezingamkeli amakhadi esikweletu.
Musa ukulingwa ukuba usebenzise isheke kwikhasi lekhredithi yokukhangela ukuhlawula iindleko ezingaqhelekanga zamkele ikhadi lekhredithi. Akukho nzuzo yokwenza njalo ngale ndlela kwaye inokubiza.
Ukuvavanya ukuvavanya kukuthengiswa kwangaphambili kwemali kwaye umniki-khadi wakho wekhadi mhlawumbi akahlawuli umvuzo kwimpumelelo. Ngaphezu koko, uya kuhlawula imali yentlawulo engaphambili kwintengiso kwaye uya kuqala ukufumana inzala ukusuka ngomhla wokukhangela isheke.
Ngaba uya kuhlawula iibhilidi nge-Card Card Impact yakho Score Score?
Ukuhlawula iibhidi ngekhadi lakho lesikweletu kunokuncedisa okanye ukulimaza amanqaku akho ekwereti, kuxhomekeke kwindlela osebenzisa ngayo ikhadi lakho lesikweletu. Ukukhishwa kwekhadi lakho lesikweletu kunye neentlawulo zekhadi zekredithi ezingabikho zingonakalisa amanqaku akho. Ukuhlawula i-bill yakho ngexesha ngalinye inyanga kunceda amanqaku akho.
Ngaphandle kokuba uhlawula iibhidi ngekhadi lesikweletu, usadinga ukuhlawula imali kwaye ulandele imali yakho ngendlela oqhelekileyo. Ezi ziqhelo zezemali ziyizona ziphambili zokugcina imali yakho yokukhangela, ukuphepha iimali kunye nokukhusela amanqaku akho.