Imilinganiselo yeMboleko kunye neNgxowa-mali ekhoyo
Xa uvunyiwe kwikhadi lesikweletu, umniki-khadi wethu wekhredithi uyakunika umda wemali- mboleko ngokusekelwe kwimbali yakho yemali , ukukwazi kwakho ukubuyisela, kunye nekhadi lekhredithi ngokwalo.
Umsebenzi wakho wekhadi lesikweletu udilizwe yimijikelezo yokuhlawula, okwenzeka nje ixesha eliphakathi kweenkcazo zakho zokubhatala ngekhadi lesikweletu. Ngethuba lomjikelezo wenkokhelo, unokwenza ukuthenga, ukuhanjiswa kwemali, kunye nokuthengwa kwangaphambili kwemali ukuya kumda wekhredithi ngaphandle kokufumana nayiphi na isohlwayo. Nangona kunjalo, ukuba uhlawulisa ngaphezu komlinganiselo wakho wesikweletu , unokuhlawulwa imali engaphezulu kwemida ngokuya ngokwemiqathango yekhadi lakho lesikweletu. Nangona kunjalo, phambi kokuba uhlawuliswe imali engaphezulu kwemingcele, kufuneka ungene ukungena kwiimali ezongezelelweyo. Ngaphandle koko, ezo ntlawulo ziya kunqatshwa.
Njengoko ukulinganisela kwekhadi lakho lesikwereti landa, ityala lakho elikhoyo lokwenza ukuthenga olutsha linciphisa. Umzekelo, ukuba unomyinge weerhafu weedola ezingama-300 kwaye wenze i-$ 100 yokuthenga, ibhalansi yakho ngoku i-$ 100 kwaye i-credit yakho ekhoyo i $ 200 (i-$ 300- $ 100). Xa wenza inkokhelo okanye ufumana iitaliti kwi-akhawunti yakho, ithohlisa ibhalansi yakho kwaye iphakamise i-credit yakho ekhoyo.
IiNkcazo zoTywala kunye neNkcazo zeBill
Ekupheleni komjikelo ngamnye wenkokhelo , isitatimenti senkokhelo siya kuthunyelwa kuwe. Imijikelezo yokuhlawula ibhekele ngokubanzi ukusuka kwiintsuku ezingama-25 ukuya kwiintsuku ezingama-31, kodwa ingaba mfutshane okanye ixesha elide kuxhomekeke kwikhadi lakho lesikweletu.
Isitatimenti sakho siza kubandakanya ibhalansi ekuqaleni komhla wokuhlawula (okwenziwe kunyaka odlulileyo).
Kuya kufakwa iinkcukacha zeendleko zekhadi zekhredithi kunye neentlawulo kunye neentlawulo kunye neentlawulo ezenziwe kwi-akhawunti yakho ngexesha lomjikelo wokuhlawula . Imirhumo kunye neentlawulo zongezwa kwibhalansi ukusuka kumjikelezo wakho wangaphambili wokuhlawula, ngelixa iintlawulo kunye neengxowa-mali zikhutshwa ukuba zifike nge-balance balance.
Iintlawulo zezeMali kunye neeNyanga zeBrace
Ukuba uthabatha ibhalansi ukusuka kumjikelezo wangaphambili wokuhlawula , i- charge yezimali iya kufakwa. Intlawulo yezemali ibalwa ngokusebenzisa isilinganiso sepesenti yonyaka kunye nenye yeendlela ezintlanu : ibhalansi yemihla ngemihla, ibhalansi yenyanga edlulileyo, ibhalansi yemihla ngemihla, i- balance balance , okanye ibhalansi yansuku zonke.
Ukuba awuzange uthwale ibhalansi kwinqanaba lokugqibela lokuhlawula, uya kuba nethuba lokuhlawula ibhalansi yakho epheleleyo ngexesha lokubonga kwaye ugweme imali yentlawulo. (Ezinye iintengiso, njengengeniso yemali , musa ukufumana ixesha lobabalo .) Ukuba awuyi kuhlawula ibhalansi yakho ngokugcwele, isitatimenti sakho sokubakho esizayo siya kubandakanya imali yentlawulo.
Iintlawulo ezingaphantsi kunye neeRhafu eziHlulayo
Umnikeli wakho wekhadi lokuthenga ngetyala uya kufuna ukuba uhlawule ipesenti yebhanki yakho ngenyanga. (Okukuphela kwimeko yamakhadi okuhlawulwa apho kufuneka uhlawule ibhalansi epheleleyo okanye uhlawuliswe imali ephezulu okanye inzala.) Intlawulo ephantsi kunazo zonke ozenzeyo yintlawulo encinci .
Isixa sakho sokuhlawula esincinci siya kubalwa kwisitatimenti sakho sokuhlawula kwaye kufuneka senziwe ngaphambi kokuba umhla wokuhlawulelwa kufuneka uqwalaselwe ngexesha.
Ngokuqhelekileyo, inkokhelo encinci ibalwa njengepesenti yemali yekhadi lakho lesikweletu . Ukuba uhlawula ngaphantsi kweyona nto ubuncinci okanye wenza intlawulo emva komhla wokugqibela , intlawulo yakho ithathwa ingqalelo emva kwexesha kwaye uya kuhlawulwa umrhumo wexesha elifutshane . Xa usufikelele kwiintsuku ezingama-30, isaziso sokubhalwa kwexesha lokugqibela songezwa kwingxelo yakho yekhredithi kwaye i-akhawunti yakho ithathwa njengangaphambili. Uya kufuneka uhlawule intlawulo encinci, enokuthi ifake imali yokugqibela, ukuzisa i-akhawunti yakho yangoku kunye nokuma kakuhle.
Xa wenza inkokhelo yekhadi lekhredithi, imali isuswe kwi-balance. Ukulinganisela kwakho kuyancipha kwaye i-credit card yakho iyanda. Ngoko, ukuba ibhalansi yakho i-$ 200, umyinge wakho weekhredithi ngu-$ 300, kwaye wenza imali eyi-$ 50 yentlawulo, ibhalansi yakho yehla ukuya kuma-150 engama-150 kwaye i-credit card yakho iyanda ukuya kuma-150.
Inkqubo yeKhadi leKhadi eliqhubekayo
Hlalani nikhumbule ininzi yale nkqubo isebenza kumakhadi ezikwerethi eziza kukuvumela ukuba uthwale ibhalansi ukusuka kwenyanga ukuya kwenyanga kunokuhlawula amakhadi afuna ukuhlawulwa ngokupheleleyo ngenyanga.
Njengoko wenze iirhafu kunye neentlawulo ngekhadi lakho lesikweletu, ibhalansi yakho kunye nekhredithi ekhoyo iya kunyuka iphantsi. Nika ingqalelo kwisitatimenti sakho sokuhlawula inkokhelo encinci kunye nomhla ngenxa. Ukugcina i-credit credit, kufuneka wenze ubuncinane ubuncinane intlawulo nganye ngenyanga kwaye uhlale kakuhle phantsi kwe-credit limit limit. Ukuba awuqinisekanga ngomda wakho wesikweletu, unokuwujonga ngaphambi kokuthenga ngokubiza inamba emva kwekhadi lakho lesikweletu.