I-Catch-22 yemboleko kubantu abadala: awukwazi ukufumana ikhadi lekhredithi ngenxa yokuba ungenayo i-credit kodwa awukwazi ukwakha inkokhelo eyaneleyo ukuba ufaneleke ngenxa yokuba awufumani ikhadi lekhredithi. Kunzima kunabantwana abaselula abangaphantsi kweminyaka engama-21 ukuba bafumane ikhadi lesikweletu ngokwabo ukususela kumthetho we-Federal ngoku bafuna abakhupheli bekhadi lokuthenga ngetyala ukuba baqinisekise ingeniso yabo ngaphambi kokuba banike ikhadi lekhredithi. Abazali banokunceda abantwana babo bagweme le ngqungquthela ngokufaka umntwana kumnye wamakhadi abo akhona.
Ukongeza umntwana wakho kwelinye lamakhadi ekwereta kukunika ithuba lokubafundisa ngekhredithi kwaye bancede baqale ukwakha amanqaku amatyala angenayo ngaphandle kokunika ngokupheleleyo uxanduva lokwenza iintlawulo zekhadi lesikweletu.
Abaninzi bamakhredithi bamakhredithi bayakuvumela ukuba ungeze umsebenzisi ogunyazisiweyo kwi-akhawunti yakho - ngumntu ogunyazisiweyo ukuba enze iindleko kwi-akhawunti. Umsebenzisi ogunyazisiweyo ufumana inzuzo yekhadi lesikweletu ngaphandle koxanduva olusemthethweni (njengoko babeya kuba nekhadi lekhredithi elidibeneyo ). Ngaphambi kokuba wenze umntwana wakho ngumsebenzisi ogunyazisiweyo kwikhadi lakho lesikweletu, qiniseka ukuba bobabini ukulungele ukuthatha elo nyathelo.
Ingaba Umntwana Wakho Ulungele Ukuba ngumsebenzisi ogunyazisiweyo?
Ngaba umntwana wakho uthembeke? Ukuba nekhadi lesikweletu ngumthwalo omkhulu. Ekubeni ekugqibeleni kwi-hook yezinto ezithengiweyo ezenziwe kwiikhadi lakho lekredithi, kufuneka ukwazi ukuthembela umntwana wakho ukuba ahlale naluphi na umqathango owamisela kwikhadi lekhredithi.
Ingaba umntwana wakho ulandele imigaqo oyimisile? Ingaba umntwana wakho uxanduva ngemali? Ukuba awukwazi ukuphendula ewe kule mibuzo, umntwana wakho akanako ukulungele ukuba ngumsebenzisi ogunyazisiweyo kwikhadi lakho lesikweletu.
Hlela izikhokelo ezimbalwa
Ngaphambi kokufowunela ukongeza umntwana wakho ekhadini lakho, qinisekisa ukuba usethe izikhokelo malunga nendlela yokusetyenziswa kwekhadi lesikweletu.
- Ingakanani umntwanakho angayisebenzisa?
- Ziyavunyelwa ukuthenga ntoni?
- Ngaba kufuneka bacele imvume yakho ngaphambi kokuthenga? Okanye ukwazise emva kokuba bathenge?
- Ngubani oza kuhlawula? Nini?
- Ulungelelaniso lomsebenzisi ogunyazisiweyo luya kuhlala ixesha elide?
Xoxa ngemiphumo yokungalandeli izikhokelo, umzekelo, ukususa ukufikelela kwinyanga okanye ezimbini okanye ngokusisigxina okanye ukunciphisa umda wabo wokuthenga. Gcina kwigama lakho. Ukuba uthe uya kususa imeko yomsebenzisi ogunyazisiweyo ngenxa yokuba bahlawule kakhulu, qiniseka ukuba wenza njalo. Ukungaphumeleli ukulandela nemiphumo kuthumela umyalezo ongafanelekanga. Ababolekisi abazenzile iimpazamo, ngoko kufuneka ufundise umntwana wakho ukuba kukho imiphumo emibi yokusebenzisa kakubi ikhadi lekhredithi.
Yiyiphi iAkhawunti okufanele uyenzise?
Kungaba ngcono ukuvula i-akhawunti eyahlukileyo okanye ukuzongeza kwikhadi le-credit card. Ngaloo ndlela, ukuthengiselana kwakho akuveli. Okanye, ukuba wabelana ngekhadi lesikweletu kunye nomntwana wakho, qiniseka ukuba ushiye i-credit box ye-credit card ukuze ukuthenga komntwana akukhiphi ibhalansi phezu komda wesikweletu.
Ukuba unqwenela ukongeza umntwana wakho kwenye yamakhadi akho akwereta, khetha umntu onomlando weebhanki.
Ngamakhadi athile ekhredithi, yonke imbali ye-akhawunti ibonakala kwikarti yomsebenzisi ogunyazisiweyo xa sele yongezwa kwi-akhawunti. Kuya kuba yinto engathintekiyo ukuyongeza kwi-akhawunti ekhokhiswe ngeentlawulo ezithe wabuya kunye nezinye izinto ezimbi. Ezi ziza kudibaniswa kwingxelo yengxowa yengane yakho kunye nosizi kunokuba uncede.
Uxanduva lwekhadi lomsebenzisi oluPrayimari kunye neGunyaziwe
Xa ungeze kwi-akhawunti, umsebenzisi wakho ogunyazisiweyo uya kufumana ikariti yecredit ehlukile egameni lakhe. Abanye abanikidi bekhadi zekhredithi banokukhupha iinombolo ezahlukeneyo zeakhawunti zabasebenzisi abagunyazisiweyo. Ngaphandle kwekhadi labo, umsebenzisi ogunyazisiweyo uvumelekile ukuba athenge i-akhawunti. Ngokuqhelekileyo abakwazi ukwenza nayiphi enye intsebenzo - ukunyuka kwemali okanye ukuhanjiswa kwemali. Kwakhona abanako ukwenza utshintsho kwi-akhawunti, umz. Vala i-akhawunti, cela ukongeza kwimivuzo, okanye ungeze abasebenzisi kwiakhawunti.
Gcina ukhumbule ukuba unembopheleleko yazo zonke iindleko ezenziwe kwikhadi lakho, kwanazo ezenziwe ngumsebenzisi ogunyazisiweyo, kwaye nokuba ngaba umsebenzisi ogunyazisiweyo uye wavuma ukuhlawula iintlawulo zabo. Njengoko umnini-akhawunti oyintloko, umniki-khadi wekhadi ngokubanzi ubeka uxanduva lwakho lokulinganisela kwekhadi lesikweletu.
Ngaba iya kukhulisa umvuzo wabo weMboleko?
Ukuxhaswa kwamanqaku okuthenga ngetyala ku-akhawunti yomsebenzisi ogunyazisiweyo kwakucatshulwe xa iFICO inqume ukuba abayi kuphinda badibanise i-akhawunti yomsebenzisi ogunyazisiweyo kwi-credit rating model. Isigqibo sisekelwe kwinani labantu abaye baxhaphaza lo mhlaba ngokuthenga ukufikelela kwiakhawunti yomsebenzisi ogunyazisiweyo. Ukuphelisa i-akhawunti yomsebenzisi ogunyazisiweyo bekuya kubangela izigidi zabantu abathengi, ngoko ke i-FICO yenze i-FICO-08 ibonise ukuba iquka i-akhawunti yomsebenzisi ogunyazisiweyo.
I- VantageScore 3.0 iphinda iqwalasele iakhawunti ezigunyazisiweyo xa kubalwa amanqaku.
Ukugqitywa kobudlelwane bomsebenzisi ogunyazisiweyo
Xa umntwana wakho angakwazi ukufumana ilungelo okanye ukuthenga ngetyala , akukho mfuneko yokuzigcina njengomsebenzisi ogunyazisiweyo. Ukususwa kwamalungelo omsebenzisi ogunyazisiweyo kumntwana kulula njengenxeba yekhredithi yakho yamakhadi.