Uninzi luyakwenzeka phakathi kwexesha lokuthumela itekethi yokuhlawulwa kwekhadi lakho lesikweletu kwaye xa umniki wekhadi lokuthenga ikhredithi ethatha isheke kwibhanki. Iindleko ezingalindelekanga okanye iimpazamo zokuphendula zingakhipha i-akhawunti yakho yasebhanki. Ukuba isheke lakho libuyiselwa yibhankini yakho, umniki wekhadi lakho lekhredithi uya kuhlawulisa intlawulo yesheke ebuyiswe njengesihlwayo.
Iimali ezinganeleyo zizathu esinye nje isheke sakho singabuyiselwa. Ukuvalwa kweAkhawunti okanye ukukhangela ukukhanselwa nazo zizathu zokubuyisela iitshekhi.
Xa uhlawula ikhadi lakho lekredithi, kufuneka ufake inombolo yakho yokuhamba yasebhanki kwaye uhlolisise ulwazi lweakhawunti kwiwebhusayithi ye-akhawunti yomthengisi wekhadi. Unokuhlawulwa kwakhona umrhumo wetsheke ebuyisiwe xa ufaka ulwazi lwakho lwebhanki ngokungalungile kwaye ukuhlawulwa kwekhadi lakho lekhredithi aliyi kusebenza.
Ingakanani Imbuyekezo Yokuhlawula Imali?
Umnikeli wakho wekhadi lokuthenga ngetyala unokuhlawulisa ukuya kuma-$ 25 kwisheke lokuqala sokubuyela emva kweenyanga ezintandathu, kunye ne-$ 35 nganye yokubuyisela. Ukuba ulahlekelwe intlawulo okanye omnye ubuyele kwisheke kwisithuba seenyanga ezintandathu ezidlulileyo, umniki wekhadi lakho lokuthenga ngetyala unokuphinde enze isigwebo sohlwayo , eli lizinga eliphezulu elihlawulwe kwikhadi lakho lesikweletu. Khangela imigaqo yekhadi lakho lekhredithi ngemali echanekileyo kunye nezohlwayo zokubuyisela iintlawulo kunye nekhadi lakho lesikweletu.
Iingcebiso zokuKhusela ukuBala iRhafu
Unokuphepha ukuhlawulwa kwemali yokujonga ngokuqinisekisa ukuba unayo imali eyaneleyo kwi- akhawunti yakho yokujonga ukuhlawula intlawulo.
Qinisekisa ukuba ulinganise i-checkbook yakho ukuba uqwalasele nayiphi na intsebenziswano engacima i-akhawunti yakho kwiintsuku ezimbalwa ezizayo. Unobungozi obandakanya imali yokukhangela yokubuyisela ukuba uzama ukutshekisha amasheke okanye ukuhlawula iindleko ngumbandela othile kuba awukwazi ukuhlawula yonke into. Ngelishwa, unako ukujongana nemali engapheleleyo evela kwibhankini yakho.
Jonga i-akhawunti yakho ngokukhawuleza emva kokuba uthumele i-credit card yakho ngenkokhelo ukuze uqinisekise ukuba ibhalansi yakho inokubambisa inkokhelo xa ibonisiwe.
Xa uhlawula i-intanethi ngewebhusayithi yonikezelo lwekhadi lesikweletu, qinisekisa ukuba ungenisile yonke ingcaciso ngokuchanekileyo, nangona kuthetha ukutshintsha isheke somzimba ukuqinisekisa ubungqina bakho beakhawunti. Umnikeli wakho wekhadi unokumisa i-akhawunti yakho ngeenyanga ezimbalwa ngaphezu kokuhlawula imali.
Unokwazi ukuhlawula umrhumo okanye ukuguqulwa ukuba bekukho isiganeko sesikhathi esisodwa kwaye imbali yakho ye-akhawunti ihlale ikhangelekile. Shayela inombolo yenkonzo yamakhasimende emva kwekhadi lakho lesikweletu, uchaze imeko, kwaye ucele ukuba imali ihlawulwe njengesidima.
Indlela iNkokhelo Ebuyisiwe iya kuthinta njani iNgxowa-mali yakho
Inkokhelo ebuyisiwe ingayi kuhamba kwingxelo yakho yekhredithi ukuba uyenza inkokhelo zingakapheli iintsuku ezingama-30 ngosuku olufunekayo. Ngombulelo, umlinganiselo wakho wekhredithi awuyi kuba nefuthe ngenxa yale mpazamo. Nangona kunjalo, ukuba iintsuku ezingama-30 ezipheleleyo zidlula emva komhla wakho wokugqibela kwaye awuphumelelanga ngempumelelo intlawulo, umhla weentsuku ezingama-30 uya kuhamba ngxelo yakho yekhredithi kwaye inokuchaphazela amanqaku akho.
Yenza umkhwa wokuqinisekisa ukuba iintlawulo zakho ziye zacima iintsuku ezimbalwa emva kokuba uzenze.
Oku kuya kunceda ukuba uphendule ngokukhawuleza ukuba kukho umba kunye nentlawulo yakho kwaye, ukuba awukwazi ukuphepha ukuhlawula imali yentlawulo, mhlawumbi unako ukugcina i-credit yakho ubuncinci.