Ukuba unayo ibhalansi enkulu kwikhadi lesikweletu elinomyinge ophezulu, inkokhelo ingabonakala ingenakwenzeka. Iintlawulo zakho zenyanga ziphela kuphela kwi-balance ngenxa yokuba ininzi yentlawulo iya kwi-interest. Ukutshintshela ibhalansi kwinqanaba lomncinci lomlinganiselo wesikweletu kungakunceda ugcine imali kwaye ikuvumele ukuba ukhokhe imali yakho ngokukhawuleza.
Ukugcina Imali NgokuTshintshiselwa Kwemali-mboleko Akunjalo
Ngaphambi kokuba uvule ikhadi elitsha lekhredithi kwaye uhambise ibhalansi yakho, kubalulekile ukulinganisela indleko malunga nezibonelelo.
Uninzi lwemali yokudlulisa amakhadi-mboleko ahlawulisa intlawulo yokudlulisela ibhalansi yakho kunye namanye amakhadi anemali yonyaka . Ezi zindleko ezimbini kunye nexesha elithathayo ukuba uhlawule ibhalansi yakho inokulahlekisa nayiphi na inzala yokugcina imali oyenayo ukusuka ekutshintsheni ibhalansi yakho kuba yandisa iindleko zokuhambisa ibhalansi yakho kwikharityhulam entsha.
Ngokubanzi, izinga lokutshintshela ibhalansi elingaphantsi (0% lilungele) kwaye ixesha elide lokunyusa lide lide, ithuba elihle unalo lokuhlawula ibhalansi yakho kungekho nzala. Ukuba awukwazi ukuhlawula ibhalansi ngaphambi kokuphela kwexesha lokuphromotha kwaye izinga lokukhushulwa kwentengiso liphezulu kunezinga lakho lesenzalo, ukutshintshwa kwemali kungenakukufanele.
Emva kokuba uthumele imali, kubalulekile ukuba ungenzi naluphi na ukuthenga kwikhadi lesikweletu uze uhlawule imali yokudlulisela imali. Nangona ukuthengwa kwakhona kunomlinganiselo wokunyusa, ukwandisa ibhalansi yakho yonke kwenza kube nzima ukuhlawula ukutshintshwa.
Musa ukufumana i-lax kunye neentlawulo zekhadi lakho lesikweletu ngenxa yokuba unomyinge wenzala yokukhangisa. Qhubeka kunye neentlawulo ezifanayo zenyanga ozenzayo ngaphambili - ngaphezulu kwelokuba unako-ukuhlawula imali eninzi njengoko unako ngaphambi kokuba ixabiso lokunyusa liphele. Xa ixesha lokuphromotha liphelile, iindleko zenyanga zemali ziya kutsala kwaye zilibazise ikhefu lakho lekhadi lesikweletu.
Iimali zokuBhalisa ezintathu zokuBhalisa
Ungasebenzisa i-calculator transfer calculator ukuthelekisa ukuhlawula ibhalansi yakho kwikhadi lakho lokuthenga ngetyala ukwenzela ukuba uyihlawule ngokuthumela imali. Ukusebenzisa i-calculators, kuya kufuneka ukwazi ibhalansi ekhoyo kunye nomyinge wenani lazo zonke amakhadi ezikolothi ofuna ukuzithumela kunye nemigangatho yokuphromotha kunye nokuthunyelwa kwekhadi lokuthenga imali.
Bonke abathathu babalawuli makungenele ngamakhadi amaninzi eemali-mboleko enokuthanda ukutshintshela kunye neenkcukacha zokuphromotha kwekhadi lokuthenga imali. Ukuba ufumene isipho esamkelwe ngaphambili, ungasebenzisa lelo khadi lekhredithi. Khangela amanani amakhadi ekhredithi ekutshintshiselwe kwi-credit card abanikezeli bekhadi lokuthenga ngetyala.
- Bhatala iKharity Card Transfer Calculator
- CreditCard.com Ibhalansi yokuTshintshiselwa kweKharityhulam
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Ukufumana imvume yokuTshintshiselwa kweKharityhulam yeKharityhulam
Gcina ukhumbule ukuba kufuneka ukuba ube nekhredithi enhle kakhulu ukufumana ukunikezelwa kwemali ebhalisiweyo. Iintlawulo zexesha elikhawulezayo zingakonakalisa kakhulu amathuba akho okuvunyelwa kwikharityhulam yekredithi enezinga lokuqala lokungeniswa ngu-0% okanye ukuvunyelwa ukuthenga i-credit ngokwaneleyo ukuba udlulisele ibhalansi yakho.