Inani elikhulu leMillennials alizange libe nekhadi lesikweletu . Mhlawumbi abazali babo bakhonza njengengqungquthela yokulumkisa okanye mhlawumbi imithetho ye-CARD yomthetho olawula amakhadi ekhredithi kubantu abadala , nokuba yintoni isizathu, aba bantu abancinci banokuthi baye bagwema ityala lekhadi lesikweletu, kodwa kukho ezinye iindawo zokungabikho kwekhadi lesikweletu.
Ungeke ube neembali zekhredithi okanye amanqaku emboleko
Ukuze ube nomlinganiselo wekhredithi, kufuneka ube ne-akhawunti enye evulekileyo kwaye isebenze ubuncinane kwiinyanga ezintandathu.
Amakhadi ekwereta aqhelekile ngendlela abantu abaye baxhamla ngayo imbali yabo yekhredithi kwaye ukuba awuzange ube nekhadi lesikweletu, kunokuba nethuba lokuba ungabi namanqaku okuthenga ngetyala.
Ngethamsanqa, iikhadi zamatyala ayiyona ndlela yodwa yokuseka okanye ukwakha imbali yemboleko. Ukuba unalo nawuphi na umbolekiso-mboleko yomfundi okanye mboleko yemoto - mhlawumbi unokufumana amanqaku okuthenga ngetyala. Ukuba ngumsebenzisi ogunyazisiweyo kwikhadi lomntu wesikweletu unokukunceda ukuba umise umlando wesikweletu ngaphandle kokuba ube nekhadi lesikweletu.
Ukukhuselwa kobuqhetseba
Amakhadi ekwereta anikezela ngokukhuselekileyo ukuthengiswa kweentengiso; Kwiimeko ezininzi, awunaso uxanduva lokuhlawulwa kweekhredithi zekhadi lokuthenga ngetyala ngelixa ubika ubuqhetseba ngaphakathi kwexesha elithile. Nangona kunjalo, uxanduva lwakho oluphezulu li $ 50. Ngakolunye uhlangothi, unokuba noxanduva lwe-$ 250 yeendleko zekhadi lokukhwabanisa ngemali, kuxhomekeke ekuhambeni kwexesha ukubika ubuqhetseba. Yaye ukuba imali yakho ibiwe kwikhredithi yakho, ungeke ufumane nayiphi na into.
Kungaba nzima ukufumana ikhadi lekhredithi xa ugqiba ukugqiba
Ngokuqhelekileyo kufuneka uqalise umlando weebredari ukuba uvunywe kwikhadi lekhredithi. Ngelishwa, ukuba awuzange ube nekhadi lesikweletu ngaphambili, oko kuthetha ukuba uya kuba nexesha elinzima ukufumana ikhadi lakho lokuqala lokuthenga ngetyala. Kukho iindaba ezilungileyo: ukuba unezinye iindidi zeakhawunti zekredithi kwaye unayo ingeniso yakho, unethuba elingcono lokuvunywa kwikhadi lekhredithi.
Ngaphandle koko, ikhadi lekhredithi elikhuselekile linokuba yinto ekhethekileyo yokukhethwa kwimbali yakho yekhredithi.
Ulahlekelwa kwizinto ezininzi zekhadi lokuthenga ngetyala
Abantu abaninzi bafungela amakhadi ekredithi kuba baphethe i-matyala-into enokuyiphepha xa uhlawula oko unokukwazi ukuhlawula kwaye uhlawule imali yakho ngokugcwele inyanga nganye. Amakhadi e-Credit ayenamaxabiso amaninzi olahlekelwa ngawo ngokungabikho. Ukukhuselwa kobuqhetseba, umvuzo wekhadi lesikweleti, uncedo lendlela, i-inshurensi yokuhamba, inshuwalense yemoto yerenti, iwaranti enwetshiwe, kunye nokukhuselwa kwamanani nje kuphela okukufunyanwa yiyo, ngokuxhomekeke kwikhadi lekhredithi oyikhethayo.
Ezinye iintengiso ziya kufuna amanyathelo angaphezulu
Ukuqeshisa imoto nokubhuka ihotele, umzekelo, zintengiso ezimbini ezilula xa unekhadi lesikweletu. Ukuba awunayo ikhadi lekhredithi, unokucelwa ukuba ufumane amanye amaxwebhu okubonisa ubungqina bakho okanye kufuneka uhlawule idiphozi yokugcina ukugqiba ukuthengiselana.
Kwiintengiso ezininzi, i-debit card ifaneleka njengakhadi lekhredithi. Nangona kunjalo, kunye nekhadi lokubambisa liwela kwiindawo ezithile ezifana nokukhuselwa kobuqhetseba obuncinane, akukho mvuzo, kunye nokukhuselwa kwezokhuseleko ezithile.