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Indlela Iintlawulo Zakho Ezisetyenziswa Ngamaxabiso Ahlukeneyo

Ukulinganisela kwekhadi lakho lesikweletu akukona nje ukulinganisela kwekhadi lokuthenga ngetyala, ngokukodwa ukuba wenze iintlobo ezahlukeneyo zokuthengiselana, umzekelo, nayiphi na inhlanganisela yentengo, ukuhanjiswa kwemali, okanye ukunyuka kwemali. Ezi zilinganiso zihlukene ngokwenene kwaye iintlawulo zakho zekhadi zenyanga zeentengo zemali zizahlukana phakathi kweemali okanye zifakwe kwisilinganiselo esisodwa. Ngoko, unokucinga ukuba uhlawula imali yokutshintshela imali yakho, kodwa iintlawulo zakho ziyakuthi zifakwe kwi-balance balance.

Ngabe i-Balances ine-Interesting Rates?

Unokuba nezilinganisi ngeerhafu ezahlukeneyo xa wenza iintlobo ezahlukeneyo zokuthengiselana kwikhadi lakho lesikweletu, umzekelo, ukuthenga, ukuhanjiswa kwemali, kunye nokunyuka kwemali okanye ukulingana kwangaphambili kwemali. Izilinganiso zakho zinokuthi zibe neerhafu ezahlukeneyo xa usenza isantya sohlwayo ngokwamaxesha angaphezulu kweentsuku ezingama-60 ekugqithiseni ukuhlawulwa kwakho. Umyinge wenzalo uza kubuya kwisiqhelo sakho esele sikhokhele emva kweentlawulo ezintandathu ezifike ngexesha, kodwa ukuthenga okutsha kusenokuhlawulwa ixabiso lentlawulo.

Indlela Ofuna Iintlawulo Zakho Zahlula Phakathi Kwezilinganiso

Ukuba unokulinganisela amaxabiso ahlukeneyo, ufuna ukuba iintlawulo zakho zekhadi zenyanga zekredithi zizabelwe ngokupheleleyo, okanye ubuncinci, ngokubhekiselele kwibhalansi kunye nenani lentengo ephezulu, umz. Ngaloo ndlela, ungayikhupha ibhalansi ebiza kakhulu. Nangona kunjalo, abakhupheli bekhadi lokuthenga ngetyala banokukhetha ukunciphisa ibhalansi yentlawulo yeyona nqanaba eliphantsi, ngoko banokufumana inzala eninzi kangangoko kunokwenzeka kwimali ephezulu.

Ngaphambi kokuba uMthetho weKharityhulam weKharityhulam uthathe ukusebenza ngoFebruwari 2010, abaniki bamakhadi bekhredithi banokubanika ngokusemthethweni iintlawulo ngeengqiqo zabo. Bayeza kufaka isicelo saloo ntlawulo kwi-balance kunye ne-interest rate ephantsi kakhulu, nto leyo eyathetha ukuba inani eliphezulu lezinga lemali liza kuncipha ngokukhawuleza kwaye lenze inzala engaphezulu.

Ngenxa yoko, abaninzi abanamakhadi eemboleko bahlawula umdla, bathatha ixesha elide ukuhlawula umlinganiselo wabo, kwaye bengayifumana inzuzo yentengiso ephantsi.

UMthetho malunga naBathengi baKwabiwa kweKhadi lokuTyala

Ngoku, ngoMthetho weCredit CARD Act ngokwenene, nayiphi na inkokhelo yekhadi yesikweletu ngaphezu kokuncinci kufuneka isetyenziswe kwizilinganiso ezinezinga eliphezulu lemali. Kodwa inkokhelo encinci, nangona kunjalo, ingaba (kwaye ngokuqhelekileyo isetyenziswa) kwibhalansi kunye nenqanaba lesenzalo esiphantsi, eliza kubandakanya izilinganiso ngenani lentengiso.

Xa unokulinganisela ngeerhafu ezahlukeneyo, oku kufuneka uhlawule ngaphezu kokuncinci ukunciphisa ibhalansi yezinga eliphezulu. Ukuba uhlawula kuphela ubuncinci, ibhalansi yakho yezinga eliphezulu lingenakuncipha. Enyanisweni, xa iintlawulo zezimali zongezwa, loo mali ibinganyuka.

Ekubeni umgaqo waba yimpumelelo, amakhadi aninzi ngamatyala anexabiso elifanayo lokuthenga kunye nokuhanjiswa kwemali. Kule meko, abakhupheli bekhadi-mboleko banokufaka isicelo seentlawulo ezikhethayo.

Indlela engcono yokuphepha ukudideka kwentlawulo kunye nendlela ukuhlawulwa kwekhadi lakho lekhredithi kubelwe ukuphepha ukulinganisa izilinganiso ngeentlawulo zenzalo ezahlukeneyo kwikhadi lakho lesikweletu.

Musa ukudlulisela amabhalansi kumakhadi-ngetyala asele ephethe ibhalansi yokuthenga okanye usebenzise ukuthenga kwikhadi lekhredithi kunye nokutshintshwa kwemali. Ngokufanayo, thintela ukuthatha i-cash advance ngaphambi kwekhadi lesikweletu elisele linokulinganisela okanye ukuthenga / ukuhanjiswa kwamanani kwiikhadi zemboleko nge-balance balance cash.