Umthetho odlulileyo ukukhusela abathengi bekhadi lesikweletu
UMthetho we-CARD wenza utshintsho olukhulu kumthetho wekhadi lokuthenga ngetyala, kuquka nemimiselo yokunyuka kwezinga lentengo, izitatimenti zokubhatala, ukuhlawulwa kwemali, kunye nentlawulo ngenxa yemini.
Nangona iindawo ezininzi ze-CARD Act zange zisebenze de kube ngoFebruwari 22, 2010, enye yomthetho yaqala ukusebenza ngo-Agasti 20, 2009. Nantsi ingqwalasela yezinye iinguqu eziphambili ezathi zenziwa ngo-2009.
Izaziso eziPhambi kweNzala
Ukuqala ngo-Agasti 20, 2009, abakhupheli bekhadi lokuthenga ngetyala banokufuneka bathumele ubuncinane isaziso seminyaka engama-45 esibhaliweyo sokunyuka kwezinga lomlinganiselo okanye ezinye iinguqu ezibalulekileyo zekhadi lesikweletu. Ezi zinguqu eziphambili ziquka ukunyuka kuyo nayiphina imali okanye imali yerhafu. Abanini bamakhadi abanokwereta mabaxelelwe ilungelo labo lokukhanyela, okanye ukuphuma kwabo, utshintsho. Nangona umthetho wawudinga ukuba iinkampani zamakhadi ekrejethi zibonelele ngokukhawuleza kwenyuka izinga lentengo, isenzo asifunanga ukuba izaziso zentlawulo ephantsi.
Akukho Phulo lokuPhuma
Ukuba unquma ukuphuma kwiphetshana lekhadi lokuthenga ngetyala kwaye uvale iakhawunti yekhadi lakho lesikweletu, umnikeli wakho wekhadi akakwazi ukuhlawula imali eyongezelelweyo ngenxa yokuba uvale i-akhawunti yakho, i-akhawunti yakho ngokukhawuleza, okanye ufuna ukuba uyihlawule ibhalansi ngokukhawuleza.
Umniki wekhadi lakho lokuthenga ngetyala: ukwandisa intlawulo yakho yenyanga ngenyanga ukuya kwi-100% (iphindwe kabini), kufuna ukuba ubuyisele ibhalansi yakho kwiminyaka emihlanu, okanye unokushiya isicwangciso sakho sokubuyisela esifanayo.
Akukho Mgangatho wokunyuka kwama-Balance
Abaniki bamakhadi bamakhadi abakwazi ukuphakamisa izinga lenzalo yakho kwii-balance balance (akukho nzala yenzalo ephindaphindiweyo), ngaphandle kweemeko ezithile.
Imida kwiNzala yomNyango iyanda
Abaniki bamakhadi ngekhadi abanako ukunyusa izinga lentengo kwiimali ezikhoyo ngaphandle kweemeko ezithile:
- Isantya senzala yokunyusa siphelile . Umnikezeli wekhadi lokuthenga ngetyala kufuneka akuxelele ngaphambi kokuqala kwesantya sokunyusa ukuba ixesha lokunyusa liza kuhlala lini na ukuba inqanaba lomdla liya kuba nini xa izinga lokukhushulwa liphela. Iirhafu zokunyusa kufuneka zenze okungenani ubuncinane ezintandathu.
- Ikhadi lakho lekhredithi linomlinganiselo wentsingiselo eguquguqukayo apho umniki wekhadi lokuthenga ngetyala alawulwa kwaye unokugqalwa ngokubanzi luluntu jikelele.
- Uqedile inkqubo yenkxalabo okanye ube nenkqubo yobunzima ekhanseliwe . Umlinganiselo wenzalo okhulayo awukwazi ukuphakama kunokuba wawuphi ngaphambi kokuba uqalise inkqubo. Ukongezwa koko, kufuneka uxelelwe ngaphambi kokuqala kwenkqubo ukuba ingaba inzala ingaba yintoni na ukuba inkqubo igqityiwe okanye ikhanselwe.
- Uneminyaka engaphezulu kweentsuku ezingama-60 ngokukhawuleza ukuhlawulwa kwekhadi lakho elincinci. Ukuba izinga lakho lesenzalo liyakwanda ngenxa yeentlawulo ezikhawulezileyo, kufuneka ufumane isaziso xa izinga lentengo likhula likwazisa ukuba kutheni izinga landa. Ukuba wenza inkokhelo yakho encinane ngexesha kwiinyanga ezintandathu ezizayo, umkhupheli wakho wekhadi kufuneka ukuba anciphise inzala yakho.
Akukho Mgangatho onyuka kwiAkhawunti ezintsha
Ukuba uvula iakhawunti entsha yekhadi lesikweletu, umnikeli wakho wekhadi akakwazi ukuphakamisa inzala yakho kwiinyanga ezili-12 ze-akhawunti yakho, ngaphandle kweemeko ezichazwe ngasentla.
Ukunyuka kwamaxabiso kufuneka kuhlaziywe yi-Bi-ngonyaka
Emva kokuba inzala yenzalo ikhutshwe, umniki wekhadi lokuthenga ngetyala kufuneka ahlaziye i-akhawunti njalo emva kweenyanga ezintandathu ukuze aqinisekise ukuba isantya sinokuphungulwa. Ukuba iziganeko ezibangele ukunyuka kwezinga lesenzalo ziye zatshintsha, umniki wekhadi kufuneka anciphise inzala.
Ukungena-Okufunekayo kwiiMali zeMingcele
Abaniki bamakhadi bamakhadi kufuneka banike abanikazi bamakhadi ithuba lokungena kwiimali ezingaphezulu kwemida . Ngaphandle kokuba abanikazi bamakhadi baye bathetha ukuba bangathanda ukugqithiswa kwemida-mali, ezo ntengiso eza kudlula umda wesikweletu kufuneka ziphikiswe.
Ngaphambi kokungena, abaphathi bamakhadi mabaxelelwe inani lemali engaphezulu kwemida. Umnini wekhadi okhethileyo ukungena kwimida yokukhawulela ngaphezulu unelungelo lokuphuma ngaliphi na ixesha.
Imida kwiiMali ezingaphezulu kwemida
Imali engaphezulu kwemida ingakhokhiswa kuphela emva komjikelezo wokuhlawula kwaye kuphela ukuhamba kweemali ezintathu zokulandelelana ngaphandle kokuba uhlawule ibhalansi yakho ngaphantsi komda wesikweletu uze uphinde uphinde uphinde uphinde ufumane umlinganiselo wesikweletu kunye nokugqithisa umda omtsha.
Iintlawulo kufuneka zicutshungulwe ngosuku olufunyenweyo
Naliphina intlawulo efunyenwe ngo-5: 00 ntambama ngosuku olufunekayo liqwalaselwa ngexesha. Umhla wakho wokuhlawula kufuneka ube ngumhla ofanayo ngenyanga. Ukuba umhla wakho wokuhlawula ufikelele kwiholide, ngeveki, okanye olunye usuku umnikeli wakho wekhadi akwamkeli iintlawulo, inkokhelo yakho inokucutshungulwa ngosuku olulandelayo lwezebhizinisi ngaphandle kokuhlawulwa kwexesha lokugqibela.
Ukuba umniki wekhadi wamkela iintlawulo kwi-yesebe yesebe, nayiphi na intlawulo efunyenwe kwisebe lendawo kufuneka iqhutywe ngaloo mini.
Ngaphezulu kweeNtlawulo eziNcinane kufuneka ziBelwe ngokufanelekileyo
Iintlawulo ezingaphezulu kuncinci kufuneka zisetyenziswe kuqala kwibhalansi yezinga lexabiso eliphezulu, lilandelwe lizinga eliphezulu lezala, ngaphandle kwimeko yokulinganisela kunye nenzala emiselweyo. Ukuba unomlinganiselo wokulinganisela umdla, yonke inkokhelo iya kufikelela kwibhalansi kwimigangatho emibili yokugqibela yokukhutshwa.
Akukho mali ehlawulwayo yeTshintsho lokuKhutshwa kweKhadi
Awukwazi ukuhlawulwa umrhumo wexesha elide ukuba intlawulo yakho ayizange iqhutywe ngenxa yokuba umnikeli wakho wekhadi lesikweletu wenza utshintsho kwidilesi yakhe yokuposa okanye inkqubo yokucwangcisa intlawulo. Oku kusebenza kwiintlawulo ezifunyenweyo ukuya kwiintsuku ezingama-60 emva kokuba utshintsho lube lusebenza.
Akukho mali kwiNkqubo yokuTyala
Abaniki bamakhadi bamakhadi abanakho ukuhlawula intlawulo ngokusekelwe kwindlela yakho yokuhlawula ngaphandle kokuba ucele intlawulo ehambelanayo ekufuneka ilawulwe ngummeli wenkonzo yabathengi.
Kumele unikezwe ixesha lokuhlawula iBhili yakho
Umniki wekhadi lakho lekhredithi kufuneka athumele isitatimende sakho sokubhatala okungenani iintsuku ezingama-21 ngaphambi komhla wakho wokugqibela. Awukwazi ukuhlawulwa umrhumo wokugqibela xa ingxelo yakho yokuthengisa ingathunyelwa okanye ingeniswe ubuncinane kwiintsuku ezingama-21 ngaphambi kokuba ukuhlawulwa kwekhadi lakho lekhadi lifanele.
Kumele ube nexesha lokuhlawula ngaphakathi kwexesha lokuBala
Ukuba ibhalansi yekhadi lakho lesikweletu linethuba lokubakho ukuhlawula imali ngokupheleleyo kwaye ugweme imali yentlawulo, isitatimenti sakho simele sithunyelwe okanye sithunyelwe kuwe ubuncinane iintsuku ezingama-21 phambi kokuba ihlawulwe imali yentlawulo yakho.
I-Universal Default iVimelwe
Ukungafihliyo kwe-Universal iyigatya esivumelwaneni sakho sekhadi lesikweletu esivumela umnikeli wakho wekhadi ukuba akhulise izinga lakho lomdla nangaliphi na isizathu nangaliphi na isizathu. Abaniki bamakhadi bekhadi baye basebenzisa eli gatya ukuba lisetyenziswe inqanaba lesenzalo xa uhlawule ukuhlawulwa kwenye ikhadi lekhredithi. UMthetho we-CARD uvimba ukungapheli kwendalo yonke.
Ukuhlawulwa kweeNkcitho zeMali zoLwabiwo ziViwe
Indlela yokujikeleza kabini yokuhlawula iindleko zezimali ayikho mthethweni phantsi komthetho we-CARD. Abaniki bamakhadi ngekhadi abanakho ukuhlawula inzala kwimalance ukusuka kumjikelezo wokugqibela wokuhlawula. Kananjalo abanakho ukuhlawulisa inzala kwimalance esele ihlawulwe. Imbangela eyenziwa yerhafu yezemali kwiibhalansi ezayingxenye yenkcenkceshela yephutha lokubambisa okanye ityala leemali elihlawulweyo kwisheke elibuyisiwe.
Imida kwiimali zokuqala zeeKhadi zeNkcitho ze-Subprime
Ngethuba lonyaka walo wokuqala, nayiphina imirhumo ehlawulwe yikhadi lekhredithi ye-subprime ayikwazi ukudlula i-25% yomda wesikweletu. Kwikhadi lekhredithi elinomlinganiselo wemali oyi-$ 400, iimali ezipheleleyo ezihlawulwe xa ikhadi lekhredithi livuliwe alikwazi ukuba ngaphezu kwama-100. Oku kungabandakanyi iifizi zokuhlawula ngokukhawuleza, iifizi ezingaphezulu kwemida, kunye nemirhumo yokukhangela yokubuyela.
Iingcebiso eziNcinane zeNtlawulo kufuneka ziveze kwiiNgxelo zeeNtlawulo
Ngomthetho we-CARD, abaxhasi bekhadi-mboleko bafuneka ukuba baqale ukudalula iindleko zokwenza iintlawulo ezisezantsi . Iingxelo zentlawulo kufuneka zibandakanye le nkcazo (okanye into efana nayo): "Isilumkiso esisisigxina seNtlawulo: Ukwenza intlawulo encinci kuphela iya kwandisa inani lemali ohlawulayo kunye nexesha elithathayo ukubuyisela ibhalansi yakho."
Isitatimenti senkokhelo kufuneka sibandakanye:
- Inani leenyanga eliza kuthatha ukubuyisela imali xa iintlawulo zincinci zenziwa.
- Iindleko ezipheleleyo zokwenza iintlawulo ezisezantsi zisekelwe kwinqanaba lentlawulo ekhoyo. Isitatimende senkokhelo kufuneka sibandakanye inani elipheleleyo leqununu kunye nenzala ehlawulwe.
- Intlawulo nganye yenyanga efunekayo ukubuyisela ibhalansi kwisithuba seenyanga ezingama-36 kunye nomdla kunye nenqununu ehlawulwa kwisicwangciso se-36 sokuhlawula iinyanga.
- Inombolo ye-toll-free ungayibongoza ngolwazi malunga nokucebisa ngekhredithi yomthengi.
Le ngcaciso kufuneka iboniswe etafileni apho ungayifunda khona. Ayikwazi ukufihla kwindawo ethile kwingxelo yokukhokha apho ungenakwenzeka ukuyifumana.
IiNkcazo zeeNtlawulo kufuneka zibandakanye ukuhlawula kwexesha elifutshane kunye nezohlwayo
Kwiingxelo zekhredithi ezihlawula umrhumo wexesha elidlulileyo ukwenzela ukuhlawulwa kwexesha elifutshane, isitatimenti sokubambisa kufuneka sibandakanye umhla wokuhlawula umhla (okanye umhla oza kuhlawulwa umrhumo wexesha elihlawulelwayo) kunye nexabiso lemali ehlawuleyo. Ukuba ukuhlawulwa kwexesha elizayo kuya kubangela ukunyuka kwezinga lentengo, loo nto kunye nenani lentlawulo yemali kufuneka ibhalwe kwi-statement statement. Zomibini iinkcukacha zimele zivele kwindawo apho umnikazi wekhadi angayifumana kwaye ayifunde.
Imigaqo yokuchaza "Iimveliso" zeeNgxelo zeNtengo
Nayiphi na isikhangiso seengxelo zemali-mboleko yamahhala kufuneka sichaze ukuba umthetho we-Federal uvumela abathengi ukuba bafumane ingxelo yeekhredithi yamahhala kwi-AnnualCreditReport.com. Iintengiso zethelevishini nezomathotholo mazifake esi sivakalisi esilandelayo: "Lo akusiyo ingxelo yekhredithi yamahhala ehlinzekwe ngumthetho we-Federal."
- Indlela Yokugwema Iingxowa-mboleko zeNgxelo Zemali Yesikhululo
- Iindlela ezithandathu zokufumana iNgxelo yeNtengo yeMali
- Indlela yoMyalelo wakho weNgxelo yeMali yonyaka
Imigaqo kwiiKhadi zeMatyala kubantu abadala
Ngaphantsi kwe-Ct ACt, abakhupheli bekhadi lesikweletu abanakho ukunika amakhadi-mboleko kunoma yimuphi umthengi ongaphantsi kwe-21 ngaphandle kokuba umntu engenise isicelo esibhaliweyo sekhadi lesikweletu. Abaselula abangaphantsi kwe-21 kufuneka babe ne-co-signer ukuze bafumane ikhadi lekhredithi okanye kufuneka babonise ukuba baneendlela zokubuyiselwa ibhalansi yekhadi lesikweletu.
Izibonelelo eziphambili ezibonwe ngetyala azikwazi ukuthunyelwa kwabasebenzisi abangaphantsi kwe-21.
Abaniki bamakhadi bamakhadi banqatshelwe ukuba banike izinto ezikhululekileyo kubafundi beekholeji ngokuchitshiyelwa kwisicelo sekhadi lesikweletu esigqibeleleyo nasiphi na isiganeko esenzeka kwi-campus, kufuphi ne-campus, okanye kwi-events-sponsored event.
Kwisenzo, iCongress iyacebisa, kodwa ayifuni, ukuba iikholeji zifuna iinkampani zekhadi lesikredenti ukuba zidibanise nayiphi na imicimbi yezobhengezo ze-campus ngaphambili; ukuba iikholeji zinciphisa indawo apho imicimbi yokuthengiswa kwekhadi lekhredithi eyenziwa; kwaye ezo kholeji zibonelela ngezemfundo zemali kunye nokulawulwa kwetyala njengenxalenye yokuqhelaniswa kwabafundi abatsha.
Imithetho kwiCape Card kunye neMali yeSatifikethi seSipho
Nayiphi na inkampani ekhupha ikhadi lesipho, isitifiketi sesipho, okanye ikhadi elihlawulwa kuqala alivumelekanga ukuhlawula imali yokungasebenzi ngaphandle kokuba ikhadi lesipho lisetyenziswanga iinyanga ezili-12. Umthengi kufuneka aziswe (ngaphambi kokuthenga ikhadi lesipho) ukuba imali yokungahlawulwanga ingahlolwa. Isixa semali kufuneka sichazwe ngaphambi kwexesha.
Isitifiketi sesipho sokuphelelwa yisikhathi kufuneka sibe yiminyaka emihlanu ukususela kumhla wokuthenga okanye iminyaka emihlanu ukusuka kumhla wokugqibela weemali ezilayishwe kwisiqinisekiso. Ukuba ikhadi lesipho linexesha lokuphelelwa yisikhathi, kufuneka livezwe ngaphambi kokuthengwa kwesiqinisekiso.
Le mithetho ayisebenzisi kumakhadi efoni okulayishwa kwakhona, amakhadi alayishwayo awanakathengiswa njengekhadi lesipho okanye izatifikethi zesipho, amakhadi asetyenziswa endaweni yamatikiti zokungena kwiimviwo ezithile kunye neziqinisekiso zesipho sephepha.
Izigwebo zokuShatshazwa kweKhadi leMatyala yeMali
Umnikezeli wekhadi lomniki-mboleko ophula uMthetho we-Credit CARD Act unokuhlawuliswa phakathi kwe-$ 500 kunye ne-5,000 yee-5,000 ukwenzela ukuphulwa.