Iminyaka yeshumi elivisayo ifika ngamalungelo amaninzi kunye neemfanelo ezifana nokufumana ilayisenisi yakho yokuqhuba nokufumana ilungelo lokuvota. Kukho namanye amalungelo enkonzo, njengokuba unokukwazi ukufumana i-akhawunti yebhanki ngaphandle kwabazali bakho kwaye ufumane ikhadi lakho lokuqala lokuthenga ngetyala.
Uneminyaka emingakanani ukuba ube nekhadi lokuthenga ngetyala?
Kumele ube ubuncinane ubuneminyaka engama-18 ubudala ukuba ufumane ikhadi le-credit card ngokwakho, kodwa ukufumana ikhadi lokuthenga ngetyala ngelo xesha ngeke kube lula njengoko kufaka isicelo sekhadi lesikweletu kwaye uvumelekile.
Ngelixa unokufumana ngokusemthethweni ikhadi lekhredithi elineminyaka eli-18 ubudala, umyalelo ufuna ukuba ufumane umthombo wakho wokufumana imali ukuze ufumane ikariti yekhredithi . Ngelishwa, isibonelelo semali esivela kubazali bakho mhlawumbi asiyi kubala. Kungenxa yokuhle. Kufuneka ube neengeniso zenyanga, ezinokuthenjelwa rhoqo, ukuze uhlawule nayiphi na inkokhelo oyenzayo kwikhadi lakho lesikweletu kwaye ugweme ukungena kwi-credit card.
Ngekhadi lakho lokuqala lokuthenga ngetyala, khangela ikhadi lesikweletu ejoliswe kubafundi okanye kwikhadi lekhredithi yokuthengisa. La makhadi afanelekile ukuba avumele wena nangona uqala nje. Ikhadi lekhredithi elilondoloziweyo , elifuna ukuba wenze idiphozithi kumlinganiselo wekhredithi kwi-akhawunti, enye enye indlela enhle yokufumana ikhadi lakho lokuqala lokuthenga ngetyala kwi-18 ubudala. qalisa.
Ukufumana ikhadi lekhredithi phantsi kweminyaka eyi-18
Unokufumana ikhadi lekhredithi phantsi kweminyaka eyi-18 ukuba umntu omdala ungeze wena njengomsebenzisi ogunyazisiweyo kwikhadi lekhredithi.
Njengomsebenzisi ogunyazisiweyo, uya kuba nekhadi egama lakho kulo ungayisebenzisa ukuthenga. Umnini-akhawunti oyintloko unembopheleleko yokwenza iintlawulo , nangona kunjalo, loo mntu unokulindela ukuba uhlawule iintlawulo zokuthenga ozenzayo kwi-akhawunti.
Ukuba ngumsebenzisi ogunyazisiweyo kwikhadi lekhredithi kunokunceda ukugqithisa imbali yakho yekhredithi kwaye wenze kube lula ukufumana imvume yamakhadi ekwereti xa usudala ngokwaneleyo.
Ungakwazi kwakhona ukufumana ikhadi elihlawulwa ngaphambi kweminyaka eyi-18. Ikhadi elihlawulwe kuqala alikho ikhadi lekhredithi, kodwa libukeka njengenye kwaye lithengisa njengenye. Kuyafana nendlela ekhadi lokudibanisa lixhunyiwe kwi-akhawunti yokutshekisha, kodwa inkqubo yokwenza isicelo yekhadi ehlawulwa kuqala ilula. Ngekhadi elihlawulwa ngaphambili, kufuneka uhlawulele nayiphi na into oyithengayo kwikhadi, ngokumalunga nokuhlawula ukuthenga emva kokuba wenze. Ikhadi elihlawulwa kuqala alikuncedi ukwakha imbali yekhredithi .
Ngokuqinisekileyo, akudingeki ukuba uthole ikhadi le-credit card kwiminyaka eyi-18. Amakhadi enkokhelo athatha umngcipheko omkhulu wetyala kwaye ukufumana enye ngaphambi kokuba ulungele ukubeka engozini yokulimaza imbali yakho yematyala ngaphambi kokuba ufumane ithuba lokufumana qalisa. Kungcono ukulinda iminyaka embalwa de ube nomsebenzi ongenamathuba kwaye unokuhlala unako ukufumana iintlawulo zekhadi lakho lesikweletu ngexesha.