Ukuba uthengisa nasiphi na isitolo esinikeza ikhadi lekhredithi, sele uqinisekiswe ukuba ucele ukuba ubhalisele yona. Isibonelelo sokugcina i-10-20% ekuthengeni ngalolo suku kuyilingo, kodwa ukugcina iikhadi zemali-mboleko kaninzi akufanelekanga xa kuthelekiswa nokuqhelekileyo, okanye ukusetyenziswa jikelele, amakhadi eemboleko ezinomxholo onxibelelwano.
Ukusetyenziswa okuNcinci
Gcina amakhadi enkredithi, ngaphandle kokuba i-co-branded - ingasetyenziselwa kuphela kwivenkile ethile okanye intsapho yeevenkile.
Ukuba ufumana ikhadi lekhredithi ye-Eagle yaseMelika ingasetyenziselwa kuphela ukuthenga e-American Eagle. Ikhefu xa ikhadi lekhredithi yesitolo lichaneka ngeVisa, MasterCard, okanye i-American Express logo. Uninzi lwezitolo lunikeza ubuncinane ikhadi elilodwa lomnxeba wekredithi ngokubhekisele kwikhadi lekhredithi, kodwa ikhadi elingu-co-brand linesicatshulwa.
Ngokuthelekiswa, iinjongo zamanqaku ezikredithi, kunye namakhadi e-credit card, angasetyenziselwa nawuphi na umrhwebi owamkela amakhadi ekwereta avela kuloo nethiwekhi. Bafana naliphi na elinye ikhadi lekhredithi, kodwa ukuthenga ezenziwe kwivenkile echaphazelekayo kuya kufumana umvuzo ophezulu okanye ezinye izibonelelo. Ngokuqhelekileyo awuyi kufikelela kuyo nayiphi na ingxaki usebenzisa iVisa okanye MasterCard.
Iimali zenzalo eziphezulu
Ukugcina amakhadi enkredithi kaninzi kunamanani amanqanaba aphezulu ngaphezu kwamakhadi athengiweyo rhoqo. Amakhadi eentengo zethengi zorhwebo zithengisa i-APR yamaphesenti angama-24.99 ngelixa iinjongo eziqhelekileyo zamakhadi ezikredithi zinezinga eliphakathi kwe-16.15%, ngovavanyo lwango-2017 kwi-CreditCards.com.
Inzala ephakamileyo yemali ithetha ukuba uya kuhlawula umdla xa uqhuba ibhalansi kwaye kuya kukuthatha ixesha elide ukuhlawula ibhalansi yakho kunokuba unayo ikhadi lekhredithi elinomyinge ophantsi. Amakhadi ekhredithi esetyenzisiweyo ahlala athengisa inzala engaphantsi kweleyo engabikho, kodwa le mivuzo iphezulu kuneemakhadi zekrediti ngaphandle kokuthengiswa kwevenkile yokuthengisa.
Imiqobo kwiMbuyekezo
Ngamakhadi ekhredithi esitolo, imivuzo enzima ukuyifumana kwaye ibe neenketho ezinqunyelwe ukuhlengwa. Uninzi lwekhadi lekhredithi ligcinwa kuphela kukuthenga ngokuthenga kwakho kwile venkile - ngokucacileyo ekubeni awukwazi ukusebenzisa ikhadi lekhredithi kwenye indawo. Emva kokuba uqokelele umvuzo onokwaneleyo wokuhlenga - ngokuqhelekileyo isitifiketi sesipho okanye isigqebhezana - ungayisebenzisa kuphela kwisitorethi kwaye maxa wambi kufuneka usebenzise ikhadi lakho lesikweletu ukuze uhlawulele umvuzo.
Amakhadi ekhredithi esitolo esivakelweyo anokuvumela ukuba ufumane imivuzo kuyo yonke into yokuthenga kunye nokunye kwiivenkile zokuthenga, kodwa usenokuvumela ukuba usebenzise kuphela umvuzo wakho kuloo venkile.
Ngaphandle kwamakhadi e-credit card, umvuzo wamakhadi wesikweletu anikeze umvuzo wakho nge-cashback kwifom yesheke okanye isitatimende sekhredithi, amanqaku okusebenzisa ukuthengisa okanye iintlobo zezatifikethi zesipho, okanye iikhilomitha zokunciphisa iindleko zokuhamba.
0% Inzala vs Inzala ethintekayo
Ukugcina amakhadi enkredithi ayinayo i-APR perks efana ne-0% yenkxaso yemali. Oko ungayifumana kunoko, ngokukodwa kwiivenkile ezithengisa izinto ezinkulu zetikiti, kukukhushulwa kwenzalo emiselweyo . Ngomdla ochasiweyo kufuneka uhlawule ibhalansi ngaphambi kokuba ixesha lokukhuthaza liphephe ukuhlawula inzala. Ngaphandle koko, ukuba nayiphi na ibhalansi ihlala, uzakufumana umtsalane onomtsalane kwithuba lonke lokuphromotha.
Ngokwempumelelo yentengiso ye- 0% , uza kuhlawuliswa inzala kwimali esele emva kokuba ixesha lokunyusa liphela.
Amanqaku okuTyala
Ukugcina amakhadi enkredithi kaninzi kunemiqathango emancinci yemali , ubuncinane ukuqala. Akuqhelekanga ukuba abanikazi bamakhadi bavunyelwe i $ 300 okanye i-500 lemali yokukhawulwa kwemali-mboleko kwikhasi lekhredithi. Umlinganiselo wekhredithi ophantsi ulula ukuphuma ngaphandle ngolunye usuku, ingakumbi ukuba ufumene ikhadi lekhredithi kwisitolo sakho ozithandayo. Oku akuthi ukuba uya kuvunywa ngokuzenzekelayo kumda wekhredithi ophezulu ngekhadi eliqhelekileyo lekhadi lesikweletu, kodwa kunokwenzeka nje ukuba kunekhadi lekhredithi yesitolo.
Impembelelo Kwimbali Yemali Yakho
Amakhadi ekhredithi rhoqo abonakala bhetele kwi-credit yakho. Ukugcina amakhadi enkredithi kulula ukuba afaneleke, okwenza kube yinto efanelekileyo kubasebenzisi bekhadi lokuthenga ngetyala okanye abantu abafuna ukuvuselela ikhredithi yabo.
Nangona kunjalo, amakhadi okuthenga ngetyala ayenayo kuphela ukuya kusekudala ukudala imbali yamatyala entle. Ukuze ufikelele kumgangatho omhle wesikweletu, ekugqibeleni uza kufuneka ufumane ikhadi elikodwa lekhredithi, nangona kukho inguqu ebhokisini yekhadi lesikweletu.
Ukugcina amakhadi enkredithi kunokulungele ukuqala ngekhredithi. Emva kokuba usungule umlando weebhanki, ityala lekhredithi okanye ikhadi lekhredithi yesitokethi liza kuba yindlela efanelekileyo.