Kukho iindaba ezilungileyo nezimbi kumntu ofuna ukuvala ikhadi lekhredithi ngokulinganisela. Okokuqala, iindaba ezilungileyo. Unokuvala ikhadi lekhredithi nangona linokulinganisela. Umnikeli wakho wekhadi lokuthenga ngetyala akuyi kufuna ukuba uhlawule ibhalansi yakho phambi kokuvala ikhadi.
Kwezinye iimeko, ukuvala ikhadi lekhredithi kunokunceda. Ngokomzekelo, ukuba umnikeli wakho wekhadi lokuthenga ngetyala uliphakamisa inzala yakho, ungavali ikhadi lakho lekredithi ukuphuma kwizinga eliphezulu lomdla.
Isaziso sokugqibela se-45 siya kukunika ixesha lokuhlawula ibhalansi okanye ukuyithumela kwelinye ikhadi lekhredithi kunokuvalela ikhadi ngelixa iselungelelaniso.
Indlela Ikhredithi Yakho Yemali Eya Kuchaphazeleka ngayo
Ngoku iindaba ezimbi. Ukuvalwa kwekhadi lesikweletu akunakunceda uncedo lakho ngetyala, kungakhathaliseki ukuba i-akhawunti inomlando ontle okanye ongekho. Emva kokuba uvale ikhadi lakho lekhredithi, liyaqhubeka nokuxelwa kwi-credit bureaus njengesiqhelo. Ukwahlukana kuphela kukuba ikhadi lakho linesimo "Valiwe". Imbali yakho yokuhlawula yenyanga ihlaziywa ngenyanga nganye njengoko wenzayo-okanye ungenzi - iintlawulo zakho.
Ukuvala ikhadi lekhredithi kunye nokulinganisela kunokwenzakalisa inqaku lakho lekhredithi . Xa umlinganiselo wakho wekhredithi ubalwa, ubona inani lemali yekhadi lakho lesikredenti ngokumalunga nomda wakho wesikweletu. Olu hlobo luyaziwa njengetyala lakho lokusetyenziswa kwerhafu kwaye yenye yezona zinto ziphambili ezichaphazela amanqaku akho.
Ikhadi lekhredithi elivaliweyo alikho umda wekhredithi, ngoko i-credit score scoring calculation ingakugweba ngokuba nekhadi elinomlinganiselo kwaye akukho mda wesikweletu.
Yintoni eyenzekayo emva kokuba iKhadi leMboleko liValiwe
Emva kokuba uvale ikhadi lakho lekredithi, awuyi kukwazi ukuthenga kwikhadi lakho lesikweletu. Kwaye uya kuthi ulahlekelwe nayiphi na umvuzo wekhadi lesikweletu oye waqokelela.
Musa ukulibala malunga neentlawulo zekhadi lakho lesikweletu emva kokuba uvale ikhadi lakho lesikweletu. Usuke ufuneka ukuba wenze inkokhelo yakho yincinci yenyanga ngokukhawuleza. Ukuba uthe wabuya emva kwe ntlawulo, ubhekane nemiphumo efanayo: iifizi zokugqibela ezijongene nazo, izaziso ezisekupheleni kwirekhodi yakho yekhredithi, kunye nokwanda kwezinga lokuhlawulwa.
Ukuvala ikhadi lakho lesikweletu akuncinci ukususela kumdla wenyanga. Ibhalansi yakho iya kuhlawuliswa inzala inyanga nganye de i-balance card yekharityhulam ihlawulwe ngokupheleleyo. Ukuba wenza kuphela intlawulo encinci kwikhadi lakho lekhredithi, kuya kuthatha ixesha elide ukuhlawula ikhadi lesikweletu kwaye uza kuhlawula umlinganiselo ongcono kunokuba uthe waphindwa kabini kwiintlawulo kwaye wakhokhela ibhalansi yakho ngokukhawuleza.
Ukulinda Kuze iKhadi lihlawulwe
Akufanele uvumele ukwesaba ukulahlekelwa kwimiba yamatyala kwenza ukuba ugcine ikhadi lekhredithi livulekile. Nasi isizathu. Unokufuna ukuvala ikhadi lekhredithi, umzekelo, ukuba awukwazi ukunqanda ukusetyenziswa kwekhadi lakho lesikweletu kwaye ufumana ityala.
Ukulahla kwexeshana kwinqanaba lakho lemali-mboleko kukukhetha ukuba ugxile emadolweni ongenakukwazi ukufumana. Akunjalo nje kuphela, ukulahlekelwa kweengongoma ezivela ekuvaleni ikhadi lekhredithi elinokulinganisela kungabuyiselwa emva kwexesha njengoko uhlawula ibhalansi yakho. Cinga ngempilo yakho yexesha elide lemali njengoko usenza isigqibo sokuvala ikhadi lekhredithi elinomlinganiselo.