Ingaba i-Credit card yakho ityala ngaphezu kweMyinge?
Inkokhelo yekhadi lesikweletu ngemali yase-US yayingama-8,182 ngo-Febhuwari 2018. Kuyi -2 ekhulwini ephezulu ngaphezu kwenyanga. Ingaphezulu kwerekhodi ye-1.02 trillion efikelele ngo-Ephreli 2008.
Umyinge wekhadi lesikweletu ngomntu ngamnye omdala (kukho izigidi ezingama-326) yi-$ 3,1. Kodwa, ukuba uthelekisa ityala lakho kwikhadi lekhredithi kuMelika ophakathi, lo mncinane.
Uphononongo lweCredit.com lubonisa ukuba ityala lekhredithi ngalinye elikhulile ngamakhadi li-$ 5,323.
Ewe, abanye abantu bahlawula amakhadi abo ekwereta ngenyanga. Ukuba ungomnye wabo, kuhle kuwe! Umyinge wabo wekota ngenyanga i-1,154. Oku kuninzi, ngaphantsi kwe-$ 7,527 umyinge wetyala lomthwalo kumntu ongenakuwuhlawula.
Xa usufikile kuloo nqanaba, kunzima ukuwuhlawula, kwaye ngokuqhelekileyo kuya kuba nzima. Umyinge wamatyala umthwalo womntu oye waya kwi-credit counseling ngu-$ 24,000. Ngokuqhelekileyo kumakhadi amahlanu ahlukeneyo, kwaye iipesenti ezingama-60 zengeniso yazo yonke yonyaka.
Inkcazo
Inkokhelo yamatyala ekhredithi yinxalenye yetyala labathengi omele uhlawule rhoqo ngenyanga. Ngenxa yesi sizathu, kwaziwa nangokuthi ityala elijikelezayo. Kukho iingxowa-mboleko zebhanki kunye neengxowa-mboleko zekhampani ezibhekiselwe kwiingxowa-mali eziqhubekayo, nangona kunjalo Ityala leThengi libandakanya imali-mboleko yemoto kunye nemfundo.
Izizathu
Uninzi lwabantu lucinga ukuba abathengi bakhankanya ityala lekhadi lesikredenti kwiindawo ezininzi zokuthenga. Kwaye, inene, abathengisi bakhuthaza ukusetyenziswa kwekhadi lesikweletu njengokuba lula kubaxumi babo.
Kodwa i- 1 engabangela ukuba i-bankruptcy iindleko zempilo . Uninzi lwabantu lufikelela kumakhadi abo ekwereta kuqala ukuhlawula iindleko zonyango ezingalindelekanga.
Xa befumanisa ukuba abanakho ukuhlawula iindleko eziphezulu, ngoko ke inani lentengo liqala ukunyuka. Izicwangciso zezempilo ezidityanisiweyo zanamhlanje azincedi. Abantu abaninzi kufuneka bangeze i-$ 2,000 ukuya kwii-5,000 zama-dollar kwikharityhulam yabo yekhredithi ngaphambi kokuba i-inshorensi ibone iindleko zonyango.
Umthetho Wokukhusela Ngomthetho ka-2005 ngowesizathu esinye esibalulekileyo sokwandisa ityala lekhadi lesikweletu. Umthetho wenza ukuba kube nzima ukuba abantu bathenge i-bankruptcy. Kwakulungile kubhanki kunye nabathengi kodwa babe nefuthe elingalindelekanga nelinobungozi kwintsapho ephakathi. Baye banyanzeliswa ukuba bahlawule ityala lekhadi lesikweletu ukuze bahlawule iimali zabo zemihla ngemihla.
Le meko yanda ngakumbi ngo-2008 xa amaxabiso egesi aphakama malunga nama-5.00 ngegaloni. Abaqhubi bee-SUV bahlawule i-$ 200 nje ukuzalisa iitanks zabo. Abanini-bendlu abaye baxhuma ngamakhadi-mboleko basebenzise imali mboleko yemali kunye neendlela zemboleko. Enye yezinto ezidale ingxaki yemali ka - 2008 . Xa izindleko zezindlu zawa, abanini bezindlu babengenabulungisa emakhaya abo. Abaninzi, bejamelene neengxowa-mali ezigqithiseleyo, baphoqeleka ukuba bahambe, bevumela amakhaya abo ukuba afuneke.
I-Credit Card yeMatyala yeMbali
Inkokhelo yekhadi lekhredithi yeSizwe idlula i-$ 1 triliyoni ngo-2008. Kwakukho umyinge we $ 8,299 kwikhadi lesikweletu ngalinye kwikhaya.
Kwakungaphezulu kweyesithathu (38 ekhulwini) yenkokhelo yabathengi base-US.
| Inyanga | Ityala leTyala leKhadi | Ipesenti yeTyala leMali |
|---|---|---|
| Disemba 2007 | $ 1,001,625 | 38.4% |
| Jan 2008 | $ 1,008,309 | 38.5% |
| Feb | $ 1,015,092 | 38.5% |
| Mar | $ 1,018,108 | 38.5% |
| NgoMatshi | $ 1,020,697 | 38.4% |
| UCanzibe | $ 1,020,027 | 38.4% |
| NgoJuni | $ 1,020,483 | 38.3% |
| Julayi | $ 1,019,693 | 38.3% |
| Agasti | $ 1,017,703 | 38.3% |
| Sep | $ 1,012,608 | 38.1% |
| Oktobha | $ 1,016,902 | 38.2% |
| Novemba | $ 1,010,902 | 38.1% |
| Dec | $ 1,003,997 | 38.0% |
| Jan 2009 | $ 1,006,740 | 38.0% |
Ngenye ixesha kuphela abantu baseMerika baxhomekeka kakhulu kwi-card credit card ngasekupheleni kweminyaka yama-1990. Kwakuyi-41 ekhulwini yebonke. Akuzange idibanise kakhulu ngexesha loqoqosho, iwele kuma-36 ekhulwini kwerhafu yabathengi.
Namhlanje, ityala lekhadi lokuthenga ngetyala lihla ukuya kuma-26.7 ekhulwini kwindleko. Leyo yingxenye yesiphumo se- Dodd-Frank Wall Street Reform Act . Yandisa imimiselo yebhanki, iphoqele ukuqinisa imigangatho yekhadi lesikweletu.
I- Arhente yeMali yokuThengwa kwezeMali yabathengi idale ukhuseleko oluninzi kulabo abasebenzisa amakhadi ekwereta. Ekugqibeleni amaMerika athembele le ncinane kwi-credit card yamatyala ekupheleni kwee-1980 nakwii-1990.