Ukufumana imvume yekhadi lakho lokuqala kwikratshi linokuba nzima. Kufuneka ufumane umniki wekhadi lomniki-mboleko oza kukuvuma nangona ungazange ube nekhredithi ngaphambili. Ukuba sele ufumene ikhadi lekhredithi kwaye uvunyiwe, vuyisana! Ukuba le yikhadi lakho lokuqala lokuthenga ngetyala, umda wakho wekhredithi unokube mncinci kunokuba ulindele. Musa ukukhathazeka, kuyinto eqhelekileyo ukuba ube nomda omncinci wesikweletu xa uqala ngekhredithi yakho yokuqala.
Kutheni Umlinganiselo Wokuqala Wokuthenga Kwetyala Unokuthi Ungezantsi
Umlando weNgxelo yenye yezinto ezikhutshwa ngabaniki bekhadi bekhredithi ukugqiba umda we-credit limit. Umntu onembali yokulawula i-credit card uya kuba nethuba elingcono lokufumana imvume yokumisela umlinganiselo wesikweletu. Nangona kunjalo, ngenxa yokuba ungumsebenzisi omtsha wekhadi lokuthenga ngetyala, awunayo imbali yokusebenzisa amakhadi enkokhelo ngokufanelekileyo. Umnikeli wakho wekhadi lokuthenga ngetyala alikwazi ukuba ungayithatha ingakanani imali kwaye ngoko ke baya kuqala ukuqala kunye nomda omncinci. Ukuba kuvela ukuba awunakulungele ukuthenga ngetyala, uza kulawula kuphela inkampani yekhadi lesikweletu ngamakhulu angama-dollar kunamawaka.
Umlinganiselo wakho wokuqala wokuthenga ngetyala ungaba ungaphantsi kwe-$ 100 ukuba ikhadi lakho lokuqala lekhredithi likhadi lokuthenga i-credit card . Unokuvunyelwa ukuba ube ngumlinganiselo omncinci werhafu weedola ezingama-300 okanye i-$ 500 ukuba ikhadi lakho lokuqala lekhredithi li-Visa okanye i-MasterCard enkulu. Akunakwenzeka ukuba umda wakho wokuqala wokuthenga ngetyala uza kuba ngaphezu kwe-$ 1,500 ngaphandle kokuba unayo imbali yesikweledu eselungisiweyo, umzekelo, ukuba unemali mboleko okanye imoto yemali mboleko kwi-credit card yakho sele sele okanye ungumsebenzisi ogunyazisiweyo kwikhadi lekhredithi. ngembali ehle.
Umlinganiselo weKhadi leKhadi
Ngaphandle kwimeko yangaphambili yekhadi lokuthenga ngetyala, awukwazi ukuba kunokwenzeka ukuba ube nomda wesikweletu ophezulu kunokuba uqala ntoni. Umyinge wemyingeni wemyingeni unokunika ingcamango yento ongayilindela ngayo ukuba ulawula i-credit yakho kakuhle.
Abathengi be-Superprime, abo bane-VantageScore 3.0 phakathi kwe-781 no-850, banomyinge weentengo zeentengo zemali ezingama-39,539, ngokwe-Experian, enye yezona zikhulu zentengo zemali-mboleko .
Ukuqwalasela umthengi osemgangathweni unamakhadi okuthenga ngetyala, oku kuthetha ukuba umntu oqhelekileyo onetyala elihle kakhulu unomyinge wokuthenga umyinge ongaphezu kwama-12,750. Ngakolunye uhlangothi lwesiganeko, umyinge wamanani omyinge womthengi ophantsi ophantsi kwe-credit rating phakathi kuka-300 no-499 ungaphezulu kwe-$ 1,200.
Olunye umthamo ophezulu unokwakhokhwa ngabathengi abanekhredithi ephezulu kakhulu unokuba nemida emithandathu yemali okanye iikhadi lekhredithi engenakucatshangelwa yonke imali . Laba bantu banemida ephakamileyo yemboleko ngenxa yeembali zabo zembali zekhredithi kunye nokukwazi ukuhlawula izilinganiso eziphezulu.
UkuLawula iLungelo lokuTyala eliThengiweyo
Musa ukudumala ngumlinganiselo wakho wokuthenga ngetyala. Eyona nto ingcono ukuqala encinci de ube isetyenziselwa ukuphatha isikweletu. Ngeke uzule kakhulu kumatyala ekhadi lamatyala ngelixa umlinganiselo wakho weentengo zemali kukugcina ungakhangeli. Njengoko ubonisa ukuba unokusebenzisa ikhadi lakho lekredithi ngokufanelekileyo , umz. Bhatala i-bill yakho ngexesha kwaye ukhuphe ukukhupha ikhadi lakho lekredithi, uya kulungelelanisa umlinganiselo wesikweletu ngaphezulu kwexesha.
Abanye abakhupha amakhadi ekhredithi baya kukwandisa umda wesikweletu sakho ngokuzenzekelayo emva kweenyanga ezininzi zeentlawulo ezifike ngexesha. Abanye banokwandisa umda wesikweletu sakho kwisicelo. Lindela ude wenze iikhadi lakho lokuthenga ngekhadi lesikweletu ngexesha ubuncinane kwiinyanga ezintandathu ngaphambi kokuba ucele ukongezwa kwemida yemali.
Indlela Yokufumana Omkhulu Wokuqala Kwetyala
Unokukwazi ukufumana umda wesikweletu ophezulu kwikhadi lakho lokuqala lokuthenga ngetyala ngokusebenzisa ngokubambisana nomntu, umzali okanye iqabane, osuvele unembali yengeniso kunye nenzuzo efanelekileyo.
Okanye, ukuba ufaka isicelo sekhadi lesikweletu elikhuselekile, unokhetho olukhethileyo unokwenza umlinganiselo wesikweletu sakho ngokwenza ukhuseleko kwidibanti yomlinganiselo wekhredithi oyifunayo. Ngokomzekelo, ukukhawulelwa kwemali engama-2,000, uza kwenza i-deposit $ 2,000. Ngekhadi lekhredithi elikhuselekile, ukugcinwa kwakho kwekhuseleko kubuyiselwa kuwe nje kuphela xa ugcina i-akhawunti ngokuma kakuhle .
Ukuba ufuna ikhredithi ekhuselekile ngomlinganiselo omkhulu wesikweletu, jonga kwi-Wells Fargo Mastercard ekhuselekile. Abafaki zicelo bangenza i-deposit deposit kuze kufike kwi-R10 000 ngomlinganiselo wesikweletu somlinganiselo ofanayo. Ukuqala ngomlinganiselo omkhulu wezikrediti-kwaye ukuwulawula ngokufanelekileyo-kuya kwenza kube lula ukufumana imvume yamakhadi ekhredithi angakhuselekanga kunye nemida emikhulu xa usungula imbali yakho yematyala.
Gcina ukhumbule ukukhutshwa kwekhuseleko yakho kucinywa kuze kube yilapho uvala ikhadi lakho lesikweletu, ngoko ke sebenzisa imali kuphela ongayinceda ukukhusela umda wakho wesikweletu.
Ukunyuka kweNkcitho yeMali
Kungakhathaliseki ukuba yeyiphi imingcele yekhredithi oqala ngayo, kukho ithuba lokunyuka ngokukhawuleza ukuba awuyikuhlawula kakhulu (ngaphantsi kwe-30% yomlinganiselo wakho wesikweletu), wenza iintlawulo zakho ngexesha ngalinye ngenyanga , kwaye ulawula lonke i-credit yakho kakuhle.
Uninzi lweengxelo zokukhishwa kwamakhadi ekhredithi rhoqo rhoqo kwaye iphakamisa umlinganiselo wakho wekhredithi ngokuzenzekelayo ukuba ulungele i-credit yakho kakuhle. Inkunzi eyodwa, umzekelo, ngokunyuka ngokukhawuleza umda wemali-mboleko kumakhadi amaninzi emva kokuba wenze iintlawulo zakho zokuqala ezintlanu ngenyanga.
Ukuba umnikeli wakho wekhadi lokuthenga ngetyala aphakamise i-credit yakho ngokuzenzekelayo, unokucela ukunyuka kwemali yemali . Xa ucela ukunyuswa komda wesikweletu, umniki-khadi wakho wekhadi uya kuhlaziya umlando weakhawunti yakho, umlando wakho wekhredithi, ingeniso yenyanga yakho yangoku kunye nezinye izibophelelo zetyala. Ukuba ezi zinto zilungile, unethuba elihle lokuba nesicelo sakho sokwandisa umlinganiselo wesikweletu esivunyiwe.
Ngakolunye uhlangothi, ukuba isicelo sakho asivunyelwanga, umniki wekhadi lokuthenga ngetyala uya kuthumela incwadi echaza isizathu . Le ngcaciso inokukunceda ukuba ufumanise imimiselo oyifunayo ukutshintsha ukuze uvunyelwe ukunyuka kwemali elandelayo.