Ikhadi yokuTyala kunye neKhadi leKhadi
Nangona ngamanye amaxesha asebenzisa amagama ngokungafaniyo, amakhadi enkoleko kunye namakhadi okuhlawulisa ayilona into efanayo.
Ukwahlukana phakathi kweeKhadi kunye neekhadi leMatyala
Ikhadi lokuthenga ngokwenene luhlobo lwekhadi lesikratshi elifuna ukuba uyihlawule ngokugcweleyo ekupheleni komjikelo ngamnye wenkokhelo kunokuba wenze iintlawulo zincinci zenyanga kwiibhanki kwiinyanga eziliqela. Ukuhlawulwa kwamakhadi kukunyanzela ukuba uxanduva lokuthenga kwakho kuba kufuneka uhlawule ibhalansi yakho ekupheleni kwenyanga.
Ikhadi lesikweletu, ngakolunye uhlangothi, likuvumela ukuba ube ne-balance balance ekwazi ukuhlawula ngayo ixesha elide. Ukulungelelanisa ukwenza iindleko ezincinci ngenye yezinto ezikhokelela abathengi kwiitaliti zekhadi lesikweletu.
Abanye abahlawulisa amakhadi abanalo umda wesikweletu esengaphambili , kukunika inani elibonakalayo elingenamkhawulo-mboleko. Ukukhupha abanikidi bekhadi banomda wokunciphisa umlinganiselo wekhadi lakho lokuthenga. Umyinge wokuchitha imali ususelwa kwinto yokukhishwa kwekhadi lesikweletu ecinga ukuba unakho ukuhlawula inyanga nganye ngokubhekiselele kwizinto ezininzi ezibandakanya ingeniso yakho kunye nemali kunye nemirhumo yokuhlawula.
Amakhadi eemboleko anomlinganiselo wemali wesikweletu omiselweyo xa uvunyiwe kwikhadi lekhredithi. Umda wesikweletu uhlala ufana nxalenye enkulu ngaphandle kokuba uvunyiwe ukunyusa umlinganiselo wesikweletu okanye umniki wekhadi lakho lekhredithi unciphise umda wakho wemali. Kukho izigwebo zokudlula umda wakho wesikweletu. Ngokomzekelo, uya kuhlawula umrhumo ongaphezulu kwemida kwaye ngamanye amaxesha inzala yakho yenzalo yonyuka ukudlula umda wesikweletu kwikhadi lakho lekhredithi eliguqukayo.
Ngokuqhelekileyo kufuneka ube nekhredithi enkulu kakhulu yokufumana ikhadi lokuthenga. Amakhadi okuthenga ngetyala anokufumaneka kwiintlobo ezahlukeneyo zeentengo zemboleko, kwi-credit card embi.
Iibhanki ezimbalwa zikhupha amakhadi ezityhulwa. Enyanisweni, i-American Express iphambili ngamakhadi okuhlawula.
IKhadi lokuTyala kunye neNdleko yeKhadi leKhadi
Awuyi kuhlawula nayiphi na inzala kwibhalansi yekhadi yerhafu kuba awuvumelekanga ukuba uphathe ibhalansi ngaphaya kwexesha lobabalo .
Nangona kunjalo, uya kujongana nesigwebo esipheleleyo xa ibhalansi yakho epheleleyo ingakhokhelwa ngumhla ofunekayo. Umrhumo wexesha elifutshane unokuba ngumrhumo weplati okanye ipesenti ye-balance yakho, kuxhomekeke kumigangatho yamakhadi.
Amakhadi enetyala anemali ehlawulwa emva kwexesha xa ungenzi imali yakho encinci ngomhla ofunekayo. Ngokomthetho, umrhumo wexesha elidlulileyo kwikharityhulam yekhredithi ingaba yi-$ 35 engaphezulu, kwaye kuphela xa ulahlekelwe intlawulo emibini elandelelanayo.
Iimali zamakhadi azinalo inzala, ngoko yinto enye ongayifumana kwi-equation xa uthengela ikhadi lekhadi. Nangona kunjalo, amakhadi ekwereti anomdla. Enyanisweni, izinga lomdla wekhadi lesikweletu linye yezona zinto zibaluleke kakhulu kwiikhadi lekhredithi kuba isantya senzalo sithintela ngqo indlela ohlawula ngayo ukuphatha ibhalansi kwikhadi lakho lesikweletu. Unokuphepha ukuhlawula umdla kwikhadi lekhredithi ngokuhlawula umyinge ngokupheleleyo phambi kokuba ixesha lobabalo liphele.
Iimali zamakhadi zisoloko zinomrhumo wonyaka onokukhishwa ngonyaka wokuqala. Imirhumo yonyaka iyahluka ngokuxhomekeke kwikhadi kodwa ingaba phezulu njengama-$ 500. Ezinye iikhadi zekhredithi nazo zinomrhumo wonyaka, kodwa kulula ukufumana ikhadi elifanelekileyo lekhredithi engenayo imali yonyaka.
UkuThengiswa kweMida
Ukukhawulwa kwamakhadi akukuvumeli ukuba wenze izikali okanye wenze ukwenziwa kwemali.
Ukuba unomdla wokwenza enye yezinto zokuthenga, ikhadi lokuthenga ngetyala linokukhetha kuphela.
Iintlawulo zeKhadi lokuTyala
Iimali zamakhadi ngamanye amaxesha ziza neenzuzo ezongezelelweyo ezingakhange zinikezelwe ngamakhadi athengiweyo rhoqo. Umzekelo, ikhadi lakho lokuthengisa linokunika uncedo lendlela, iwaranti enwetshiwe ekuthengeni okuthile, inshorensi yokuqashisa imoto, ukhuseleko lokuthenga, kunye ne-inshurensi yengozi yokuhamba.