Unokwabelana ngekhadi lesikweletu kunye nomnye umntu ngokuzongeza njengomsebenzisi ogunyazisiweyo okanye ngokusebenzisa njengabanikazi beakhawunti. Amalungiselelo amabini anikezela uxanduva oluneenkalo ezahlukeneyo, ngoko cinga ngokucophelela ngaphambi kokuhamba phambili.
Ngomsebenzisi ogunyazisiweyo kunye namakhadi ekhredithi ahlangeneyo, bobabini abantu kwiakhadi yekhadi lesikweletu banokufaka iindleko kwikhadi. Kukho umda wesikweletu omnye, ibhalansi enye, intlawulo enye, kunye nentlawulo enye ngenxa yomhla.
Imbali yekhadi lekhadi lekhredithi libikwe kwiingxelo zakho zeentengo zemali, kungakhathaliseki ukuba ngubani osebenzisa i-akhawunti.
Ngubani onoxanduva lokuBhalisa?
Umehluko omkhulu phakathi komsebenzisi ogunyazisiweyo kunye nomnini-akhawunti odibeneyo ngumthetho onyanzelekileyo wokuhlawula ibhalansi yekhadi lesikweletu.
Umsebenzisi ogunyazisiweyo akanalo xanduva lomthetho lokubuyisela ityala lekhadi lesikweletu. Nangona ukuhlawulwa kwexesha elidlulileyo kuzakuchaphazela umlando weentengo zemboleko zomsebenzisi xa nje bekho kwi-akhawunti, umniki wekhadi lokuthenga ngetyala akakwazi ukuqhuba lowo mntu ngenkokhelo.
Ngakolunye uhlangothi, umnini-akhawunti odibeneyo unelungelo lokuhlawula ibhalansi yekhadi lesikweletu njengomnini-akhawunti oyintloko. Umnikezeli wekhadi lokuthenga ngetyala angasebenzisa zonke iindlela zomthetho ukuba ahambe emva kokubambisa abantu.
Kwiimeko ezininzi, umnini-akhawunti ngamnye ohlangeneyo kufuneka adibanise iimfuno zekhredithi kunye neengeniso ukuba zongezwe kwi-akhawunti kwaye zinganqatshwa ukuba iimfuno ezingagqibekanga.
Ngakolunye uhlangothi, umsebenzisi ogunyazisiweyo unako ukudibaniswa kwiakhawunti eqinisiweyo kungakhathaliseki ukuba imbali yesikweletu somsebenzisi.
Ukuseka iAkhawunti
Unako ukongeza umsebenzisi ogunyazisiweyo kwiakhawunti entsha yekhadi lesikweletu nangaliphi na ixesha. Khankanya nje umniki-khadi wakho wekhadi kwaye unike ulwazi lomsebenzisi ogunyazisiweyo.
Umnikezeli wekhadi uza kwandisa umsebenzisi ogunyazisiweyo, akukho khankethi efunekayo, kwaye uthumele ikhadi lekhredithi egama layo kuyo.
Ukuze ufumane ikhadi lokuthenga ngetyala, bobabini kufuneka ufake isicelo sekhadi lesikweletu ndawonye. Umnikezeli wekhadi lokuthenga ngetyala (credit card issuer) uya kujonga i-credit and applicants 'credit information to approve the application. Ukuba uvunyiwe, uya kuhlanganiswa zombini kwiakhawunti kwaye ukhupha amakhadi enkoleko ngamagama akho.
Indlela iKhadi leMboleko elalikwabelana ngayo ngokungahambiyo
I-akhawunti edibeneyo ingabangela ingxaki ukuba ngaba abanikazi beakhawunti ezimbini baphela ubudlelwane babo , ngokukodwa ukuba i-akhawunti isenayo ibhalansi. Awukwazi ukususa kalula umntu kwi-akhawunti edibeneyo, nokuba umntu omnye wenza zonke iindleko kwi-akhawunti. Ababini benu kuya kufuneka bafike ngendlela efanelekileyo yokucombulula ibhalansi (njengokuhlawula okanye ukudlulisela ibhalansi) kwaye uvale i-akhawunti.
Umsebenzisi ogunyazisiweyo unokususwa kwikhadi lekhredithi ngefowuni elula. Abagunyazisiweyo abanalo uxanduva lokusemthethweni lokubuyiselwa imali ehlawulweyo; Ukususa umntu kwi-akhawunti kunokubanceda ukuba bangaqhubeki umlinganiselo ophezulu ngaphandle kokuziphindezela.
Ukukwabelana ngekhadi lesikweletu kuyingozi, nokuba unayo i-akhawunti edibeneyo okanye ungeze umsebenzisi ogunyazisiweyo.
Ukuba ucinga ngokufumana ikhadi lesikweletu ngomntu, njengomntwana okanye iqabane, qwalasela uxanduva lomthetho lokuhlawula ibhalansi kunye nokukhululeka kokuphelisa ubudlelwane bekhadi lesikweletu ukuze kukuncede wenze isigqibo.