Nge-akhawunti yokutshekisha, ngokuqhelekileyo uvumelekile ukuba uchithe kuphela imali onayo kwi-akhawunti yakho. Xa ukuthengiselana kubangela ukuba ibhanki yakho yebhanki ibe yinto engafanelekanga, ibhekiselwa ekubeni yi-overdraft.
Mhlawumbi uyazi ukuba ibhanki yakho iya kuhlawulisa imali ye- overdraft ngenjongo yokuhlawula imali yakho. Kusenokwenzeka nokuba uhlawule intlawulo ngosuku ngalunye i-akhawunti yakho ihlala ingalunganga. Kodwa i-overdrafts ithetha ntoni kwi-credit yakho?
Indlela i-Overdrafts echaphazela ngayo amanqaku akho kwiNgxowa-mali
Ingcaciso yakho yeakhawunti yokujonga ingabonakali rhoqo kwii-credit bureaus - kuba usebenzisa imali yakho, ingabi imali oboleke yona. Ngethamsanqa, i- bankdrawdrafts yebhanki ayiyi kuphazamisa umlinganiselo wakho wekhredithi ukuba uyayisombulula ngexesha elifanelekileyo. Emva kokuba uhlawule ixabiso lemali ye-overdraft uze ulethe i-akhawunti yakho ubuncinane ubuncinane benani, unokuqhubeka nokusebenzisa i-akhawunti yakho yokujonga njengesiqhelo.
Nangona kunjalo, ukuba uyayigatya imizamo yebhanki yokufumana i-akhawunti yakho ibhalansi engafanelekanga, ibhalansi yakho ehlawulwayo ingathunyelwa kwi- ejensi yokuqokelela . Xa kwenzeka oko, ityala liya kuluhlu olubhengezwe kwingxelo yakho yekhredithi. Ngelo xesha, iqoqo elivela kwi-overdraft yakho liya kuthintela amanqaku akho. I-akhawunti yokuqokelela izakuhlala kwingxelo yakho yeebhanki iminyaka engama-7, nangemva kokuba uyihlawule, ngaphandle kokuba uqinisekise ukuba i- arhente yokuqokelela ukuyisusa.
Ukuhlawula iKhadi lakho leKhadi nge-Check
Ikhredithi yakho yekhredithi nayo inokulimaza ukuba isheke osibhalileyo ukufihla ukuhlawulwa kwekhadi lakho lesikweletu libuyiselwa imali engenayo .
Oku kwenzekayo xa kungekho mali eyaneleyo kwi-akhawunti yakho yokukhangela ukuhlawula intlawulo kwaye ibhanki yakho ayiyihlawula isheke njalo
Kulo mzekelo, inkampani yakho yekhadi lekhredithi iya kukuhlawula imali yentlawulo ebuyisiweyo . Ukuba awuyi kuyenza inkokhelo zingakapheli iintsuku ezingama-30, i-akhawunti yakho iya kubikwa njengophulaphulo kwi -credit bureau kunye nomlinganiselo wakho wekhredithi uya kuthinteka.
Qaphela ukuba oku akukwenzeka nje ngokuba unikwe iitaliti, kodwa ngenxa yokutshekisha ukutsalwa kwekhadi lakho lokuthenga ngetyala .
Ukuba iireki ziqhubeka zibuyiselwa, iakhawunti yakho yekhadi yekrediti iya kuqhubeka ichazwa kwaye i- credit score will take more damage. Xa usebenzisa isheke ukuhlawula ikhadi lakho lesikweletu , qiniseka ukuba unayo imali efanelekileyo kwi-akhawunti yakho ukufaka isheke kunye nayiphi na enye imali ekhoyo.
I-Bank Overdrafts kunye ne-Score Credit yakho
Ngelixa i-bankdrawdrafts yebhanki ayinakuchaphazela ngqo umlinganiselo wakho wekhredithi, kukho ukulungelelaniswa phakathi kweebhanki ezithinteleyo zebhanki kunye nomlinganiselo ophantsi wekhredithi. Ukuba uhlala u-overdraft i- akhawunti yakho yokutshekisha , kuyimpawu yokuba usebenzisa imali eninzi kunokuba unayo. Oku kunokuthetha ukuba uthatha amatyala amaninzi kunokuba unakho ukuhlawula kwaye uyiphuthele iirhafu zekhadi lakho lekhredithi ngenxa yokuba unganayo imali yokuhlawula iindleko zakho. Ezi zimbini ziimpembelelo ezinkulu kwiimali zakho zemali .
Ezinye iiNkqubo zokuBala iMboleko
Ibhankini yakho inokuba nekripthi yangaphakathi yekredithi esebenzisa ulwazi malunga neengxelo zekredenti kunye neembali ze-akhawunti yakho kunye nebhanki. Ukuba ibhanki yakho isebenzisa lolu hlobo lwamanqaku ekhredithi , loo phawu lithile lekhredithi liyakuthi lichaphazeleke nge-overdraft yakho.
Kuya kuthinta kuphela amandla akho okufumana ikhadi lekhredithi okanye mboleko kunye nebhanki okanye inkxaso. Amanqaku akho e- FICO kunye namanqaku ekrejethi aphuhliswe ngamagosa eebhanki kunye namanye amashishini aziyi kuchatshazelwa yi- akhawunti yebhanki engaphantsi kwemali ngaphandle kokuba i-overdraft iphetha kwingxelo yakho ye-credit ngokusebenzisa i-akhawunti yokuqokelela okanye ukuhlawulwa kwexesha .
Kukho nee-arhente zengxelo ezikhethekileyo ezibika malunga nokujonga iikopi zivaliwe kunye nemali ebhalisiweyo. Ezi ziquka iiNkonzo zeChetegy Check, i-ChexSystems, ne-Telecheck. Ukuba ne-akhawunti ebhalwe ngelinye lale arhente inokuchaphazela ukukwazi kwakho ukufumana i-akhawunti entsha yokujonga. Nangona kunjalo, ulwazi oluvela kule arhente yokunika ingxelo ekhethekileyo alufakiwe kumanqaku akho ekhredithi.