Isilinganiso sakho somdla wekhadi lesikweletu sichaphazela ngqo iindleko zokuphatha ibhalansi kwikhadi lakho lekhredithi. Unokuqala ngezinga eliphantsi lomdla, kodwa isantya sakho asinakuhlala sifana. Umnikeli wakho wekhadi lokuthenga ngetyala unokunyusa izinga lakho lomdla kwiimeko ezithile, kodwa akusoloko ekwazisa ngaphambili.
I-Interest Interesting Increase Notice
Amabhanki kufuneka athumele isaziso sokwandiswa kwenani lentengo ubuncinane iintsuku ezingama-45 ngaphambi kokunyuka.
Le yimfuneko yeNyaniso kuMthetho Wokuboleka , umthetho we-Federal okhusela abathengi kubalimi.
Ngeli xesha leentsuku ezingama-45, uya kuba nethuba lokuphuma kwinqanaba lomyinge xa ukhe uhlawule ibhalansi yakho kunye nenani lamanani langoku. Ukukhethwa kuya kukuvumela ukuba ugcine umlinganiselo wakho ophantsi. Nangona kunjalo, ukuba ukhetha ukuphuma, umbolekisi angavala i-akhawunti yakho.
Ukuba awuphendulanga kwesaziso sokunyuka kwesantya kwenzalo, umniki-khadi wekhredithi angafaka isantya somrhumo omtsha kuyo nayiphi na intengo yokuthenga eyenziwa ekuqaleni kweentsuku ezili-14 emva kokuba isaziso sithunyelwe.
Xa iNqanaba lokuKhuphula isaziso asinakufuneka
Abaniki bamakhadi ngekhadi abangekho ngaso sonke isikhathi kufuneka bathumele isaziso sokunyuka kwezinga lentengo ngaphambi kokunyusa izinga lakho. Ukuba ukunyuka kwezinga kungenxa yokugqithisa okanye ukungafihli, umbolekisi akudingeki akuxwayise ngokunyuka kwamazinga. Ngokuqhelekileyo, ezi zihlomelo zesohlwayo zichazwe kwiprinta efanelekileyo yesivumelwano sakho sekhadi lesikweletu.
Ngokomzekelo, ukuba ubuncinane ubuncinane kwiintsuku ezingama-60 kwi-card credit card yakho, umnikeli wakho wekhadi unokunyusa umlinganiselo wakho wenzala ngaphandle kokuthumela isaziso sokwandisa izinga lokuzala okanye ukunika ithuba lokuphuma. Umnikezeli wekhadi lokuthenga ngetyala (credit card) naye akadingeki ukuba akunike isaziso ukuba isantya sakho senzala sanda ngenxa yokuba izinga lokukhushulwa liphelile.
Uninzi lwamakhadi-mboleko kule mihla inomlinganiselo wenzalo eguquguqukayo obophelelwe kwisilinganiselo esingaphantsi, njengezinga lokuqala okanye i-LIBOR. Ukuba loo mali inomlinganiselo wenzalo ukwandisa, ikhadi lakho lekhredithi ka-APR linokunyuka. Umnikezeli wakho wekhadi lokuthenga ngetyala akufanele ahambise isaziso esandulela ngaphambi kokuphakamisa izinga lakho kweli meko; Isivumelwano sakho sekhadi lesikweletu siya kuchaza ukuba izinga lakho le-APR libophelelwe njani kwaye liphendula njani kwishintsho kwizinga lokutshekisha.
Ukujongana neNqanaba leNzala elingenamdla liyanda
Qhagamshelana nomkhupheli wekhadi lakho lekhredithi malunga nokunyuka okungaxeliweyo kwinqanaba lakho lesenzalo. Baya kuba nako ukucacisa ukuba kutheni inzala yakho yenyuka. Ukuba ukunyuka kwezinga kwaba yimpazamo, unokukwazi ukufumana inzala yakho endala inzala.
Ungathumela isikhalazo kwiBhunga loKhuseleko lwezeMali xa uthe ukholelwa ukuba i-interest rate card card interest rate yanyuswa ngephutha okanye umniki wekhadi lokuthenga ikhredithi wenyusa izinga lakho ngaphandle kokunika isaziso esifanelekileyo.