Ukuba ungumvuzo wekhadi lokuthenga ngetyala , okanye unqwenela ukuba yinye, usenokuba weva ngekhadi lekhredithi. Yazi ukuba ukuba ufanele uqaphele xa ubhalisela amanqaku amaninzi ekwereta ukuze ufumane ibhonasi kunye nezinye izinto. Ukuba awukho uxanduva ngamakhadi-mboleko kwaye awunayo isiseko sezemali endaweni, unokuphelisa unzulu kwi-matyala kunye nomlinganiselo wekredithi owonakele. Ngethuba lokuqala kwendlela, makhe singene kwiinkcukacha zendlela i-credit card churning isebenza ngayo.
Yiyiphi iCredit Card Churning?
Abanini bamakhadi abaninzi bekhredithi banika ibhonasi enkulu yokubhalisa . Abanikazi bamakhadi abatsha bafumana ibhonasi enkulu yokuchitha imali ethile ngexesha elithile - ngokuqhelekileyo iintsuku ezingama-90 zokuvula ikhadi lekhredithi. Umvuzo omkhulu kumakhadi ekhredithi ovulekileyo, ibhonasi ezininzi zokubhalisa ongayifumana.
Ukukhishwa kwekhadi lokuthenga ngetyala kubhekisela kumsebenzi wokuvula ngokuphindaphindiweyo nokuvala ikhadi lekhredithi ukuze ufumane ibhonasi yayo yokubhalisa ngokuphindaphindiweyo. Ukwenza oku kunye namakhadi athile eemboleko kukuvumela ukuba uhlawulele umvuzo omkhulu kunokuba ungayifumana xa unamathela kwikhadi elilodwa lekhredithi. Ungasebenzisa ezinye izicwangciso - njengokuhlanganisa imivuzo kwinkqubo yokwethembeka - ukwandisa inani lembuyekezo oyifumanayo.
Imigaqo yokuLandela
Kukho izikhokelo ezimbalwa ozifuna ukuzinamathela kwimpumelelo enkulu ngekhadi lekhredithi.
Bhatala ibhalansi yakho ngokupheleleyo ngenyanga . Qinisekisa ukuba awuchithekanga ngaphezu kokuba unako ukuhlawulela, nokuba uzimisele ukufumana ibhonasi.
Ukuba awukwazi ukuhlawulela ibhalansi yakho epheleleyo ekupheleni kwenyanga nganye, kufuneka ucinge ngokukhawuleza ngekhadi lesikratshi. Futhi ngokuqinisekileyo akufanele uzame ukufumana ibhonasi ngaphezulu kwekhadi lekrediti ngexesha xa unzima ukuchitha nokuhlawula ikhadi elilodwa lekhredithi. Ukukhawuleza izikali ezinkulu zekhadi lesikredenti kunokukufumana uhlobo lwetyala elithatha iminyaka ukuhlawula.
Esinye isizathu sokuhlawula izilinganisi zakho ngenyanga - ukuba ugweme ukuhlawula umrhumo kwimali yakho. Iphuzu lokukhawulwa kwamakhadi ekwereti kukufumana inzuzo kubakhuphaza bekhadi lesikweletu. Nayiphi na inzala ohlawulayo inciphisa inzuzo enetyala oyifumanayo kwikhadi lakho lesikweletu.
Njalo yenza iintlawulo zakho ngexesha . Thumela intlawulo yakho yenyanga ngethuba lokuphepha iimali ezifihliweyo kunye nomonakalo kwi-credit yakho. Ukuba i-credit yakho ixhomekeke ngenxa yokuhlawulwa kwexesha elide, unokufumana kunzima ukufumana imbuyekezo yembuyekezo yamakhadi ekwereta kwikamva. Uya kufuna kwakhona ukuhlawula ngexesha lokuphepha ukulahlekelwa yimbuyekezo yakho.
Yiba nenjongo yamaphupha akho . Kufuneka uhlale unombono wento osebenza kuyo. Iintsuku ezine eS Santorini. Ikhefu e-Bahamas. Ukutyelela ootatomkhulu nootatomkhulu kwieholide. Amathuba okusebenzisa imivuzo yakho ayipheli. Ukwazi oko ufuna ukukwenza ngamaphuzu akho kuya kukunceda ukhethe amakhredithi asemgangathweni ngamakhadi kwaye ugcine ekusebenziseni amaphuzu akho kungekudala.
Musa ukuthatha amakhadi angekrediti angaphezulu . Mhlawumbi ucinga ngamakhadi atyala ngamatyala athetha amabhonasi amaninzi kunye namanqaku amaninzi. Kodwa, ukuthatha amakhadi anamatyala amaninzi kunokudala iingxaki. Ukuba awukwazi ukuhlawula ubuncinci benkcitho kwiiakhadi ezininzi zeentengo zemali ungagqiba unetyala elingaphezulu kunokuba ungayisebenzisa.
Gcina iimali zonyaka ngqondweni . Amaninzi amanqaku amakhredithi eemboleko ahlawula umrhumo wonyaka kunyaka wokuqala. Abanye banganikela ngenzuzo efanelekileyo ukugcina ikhadi lekhredithi kunye nokuhlawula intlawulo yonyaka. Umzekelo, unokufumana ihotele yamahhala unyaka ngamnye. Ukuba umrhumo wonyaka uphantsi kobusuku kumahotele, ikhadi linokufaneleka ukugcina. Khumbula ukuba kufuneka usebenzise ikhadi lakho lesikweletu rhoqo ngexesha elide ukuligcina lisebenza kwaye kufuneka ulinganise imali yokusebenzisa imali ekhadini lesikweletu ngemali oyenzayo kumakhadi-mboleko apho uzama ukufumana ibhonasi.
Njalo uqaphele ukunikezelwa kwamakhadi amatyala ekutsha . Abaniki bamakhadi ngekhadi batshintsha utshintsho lwabo rhoqo. Ungacingi ukuba isibonelelo esiyibonayo kwiwebhusayithi yakho yilungiselelo elihle kakhulu onokufumana ngexesha. Xa unomdla kwikhadi lesikweletu, khangela ezinye iiwebhusayithi ezahlukeneyo (ngokukodwa i-website yeefayile zekredithi) ukuze ubone oko kuhanjiswayo.
Sebenzisa ishati okanye ispredishithi ukugcina yonke into . Ewe, kunjalo nje. Uya kufuna ukuqhubeka kunye neenkcukacha ezininzi kwikhadi ngalinye lesikweletu ovula ngalo:
- Umnikezeli wekhadi lesikweletu kunye nekhadi elithile lekhredithi
- Umhla owavula ikhadi lekhredithi
- Umrhumo wonyaka wesikweletu kunye nokuba uyasuswa
- Umhla umrhumo wonyaka uza kuhlawuliswa ukuba unqunywe ngonyaka wokuqala (ukuba awugcini i-akhawunti, kufuneka uvale i-akhawunti ngaphambi kwalo mhla)
- Ibhonasi
- Imfuno yokuchitha imali
- Umhla ofuna ukuwuhlangabezana nemfuneko yokuchitha imali
- Ibhalansi yamakhadi akho okwangoku (kunye nemali phakathi kwazo zonke iikhadi zamatyala)
- Inkqubela yakho ekuhlangabezaneni neemfuno zokuchitha imali
- Ingaba ibhonasi isetyenziswe kwiakhawunti yakho
- Enoba usebenzise ibhonasi
- Isikhathi sokwenza nayiphi na izinga lokunyusa
Njalo ufunde ukushicilelwa okulungileyo . Ukufunda ngokwemigaqo yekhadi lesikweletu kuyimfuneko. Abanye abanikezeli bekhadi bekhredithi bavumela ukuba ufumane ibhonasi phantsi kweemeko ezithile, umzekelo awuzange ufumane ibhonasi kweso sikhupheli sekhadi kwiinyanga ezingama-24 ezidlulileyo. I-American Express, umzekelo, ivumela abanikazi bamakhadi ukuba bafumane ibhonasi enye ngekhadi lekhredithi. Xa ufumene ibhonasi ye-Amex ethile, awuyi kukwazi ukufumana ibhonasi kweso sikhadi kwikharityhulam. Amakhadi ekhadi lesikweletu aya kutshintshwa, ngoko rhoqo ufunde imimiselo neemeko ngaphambi kokuba ufake isicelo sekhadi lesikweletu.
Qaphela ukuba mangaphi amakhadi ovulekileyo ngexesha elifutshane . Abaniki bamakhadi bamakhredithi banokukhanyela isicelo sakho sekhadi lesikweletu xa uvula okanye ufaka izicelo zamakhadi amaninzi kwiinyanga ezili-12 ukuya kwezi-24.
Ungalokothi wenze i-balance balance transfers okanye ithathe imali . Ezi zintengiselwano azithethi njengento yokuthenga kwaye ke akunakukunceda ukuba ufinyelele ubuncinci benkcitho yakho. Zithatha nje umda wakho wekredithi kwaye zikushiye ngegumbi elingaphantsi lokuchitha. Ngaphezu kokubili ukuthengiselana kubangela ukuba kukho imali, into ofuna ukuyiphepha ukufumana inzuzo enkulu kwikhadi lekhredithi. Kwaye, kwimeko yokuqala, awufumani ixesha lobabalo kwiimali zentlawulo kwaye uqale ukufumana umdla ngokukhawuleza.
Imida kwiCards Credit Open
Abaniki bamakhadi bamakhadi bafuna ukuba nabathengi abathembekileyo abaza kuba namakhadi abo okuthenga ngetyala ngeenyanga ezimbalwa. Ngoko, ngomgudu wokukhahlela phantsi kwekhadi lesikweleti ukukhupha amaninzi amakhredithi ekhredithi ngoku iyanciphisa inani lamakhadi-mboleko ongawavula.
Umzekelo, abathengi abaninzi beChase baqaphele ukuba i-Chase ayiyi kuvuma izicelo zabathengi abavule amakhadi amatyala amatsha angaphezulu kwamahlanu (nawaphi na amakhadi ekhredithi) kwiinyanga ezingama-24 ezedlule.
Imida ekuvuleni amakhadi amatyala amatyala kuthetha ukuba kufuneka ube neqhinga xa ufuna ukuvula amakhadi enkredithi kunye nabaniki bamakhadi oyifake izicelo.
Abaniki bamakhadi bamatyala banokuthi banciphise inani elipheleleyo lama-akhawunti avulekile onokuyenza nabo kanye kanye. I-American Express, umzekelo, umda ngamakhadi amane ekwereta.
Ngaba iKharity Card Churning ithinta i-Credit?
Ukukhishwa kwekhadi lokuthenga ngetyala kungathintela amanqaku akho ekhredithi, kodwa mhlawumbi akusayi kubonakalisa amanqaku akho. Khumbula ukuba imbali yokuhlawula kunye nenqanaba lesetyala yizona zibini eziphambili ezichaphazela amanqaku akho ekhredithi . Ukuba wenza zonke iintlawulo zakho zenyanga ngethuba kwaye ugcine ukulinganisela kwekhadi lakho lesikweletu, ugcina uphawu lakho lokuthenga ngetyala kwi-tanking.
Njalo xa ufaka isicelo sekhadi lesikweletu, kukho uphando olunzima kwingxelo yakho yekhredithi. Le mibuzo iyakuchukumisa amanqaku ekhredithi yakho - imibuzo i-10 ekhulwini yemilinganiselo yakho yekhredithi - ngokukodwa emininzi ngexesha elifutshane.
Ukuvula ii-akhawunti ezintsha kunokunciphisa umyinge weminyaka-mboleko yobudala-into ebangama-15 ekhulwini lakho lemali.
Usenokubona okuchaseneyo - amanqaku akhokredithi enyukayo - kuba uqikelele ukwenza iintlawulo zakho ngexesha kwaye uhlawule ibhalansi yakho ngokugcwele inyanga nganye. Abanye abaniki bamakhadi bekhredithi baquka umlinganiselo wesikweledu samahhala kwisitatimende sakho seenyanga. Ukuba akukho namakhadi akho analo le nzuzo, ungasebenzisa inkonzo yekhredithi yekhredithi yamahhala njengeKharma Karma okanye iSesh Sesame ukugcina amathebhu kumanqaku akho. Unako ukutsala ngokukhawuleza kwikharityhulam yekhredithi ukukhangela ukuba kukuchaphazela amanqaku akho.
I-Credit Card Churning Akunakuba Yakho Ukuba ...
Njengoko kunomdla njengoko kunokuzwakala ukufumana ibhonasi emva kwebhonasi ngokukhululekile, kukho ezinye izinto oza kuziqwalasela xa uhlawula amakhadi ekwereta.
Awunayo ikhredithi enhle . Ngokuqhelekileyo kufuneka ube nekhredithi ephezulu kakhulu ukufumana umvuzo omhle wamakhadi esikwereti. Ukuba unolwazi olubi kwingxelo yakho yekhredithi, njengeentlawulo ezidlulileyo okanye ukuqokelela kwetyala, kufuneka uphucule ingxelo yakho yekhredithi ngaphambi kokuba uzame ukukhawuleza amakhadi wesikweletu.
Ulungiselela umboleko omkhulu ngokukhawuleza . Unokuba ungafuni ukukhawula ngamakhadi ekredithi (okanye ubuncinci ukubeka i-churning yakho ngokubambelela okwesikhashana) ukuba uyilungiselela umboleko okanye esinye isicelo esikhulu semali mboleko kwiinyanga ezili-18 ukuya kwezi-24. Imibuzo yeenombolo kunye neengxelo ezivulwe ngokutsha ziyakuchukumisa amanqaku akho okwekhredithi kwaye yenza kube nzima ukufumana i-akhawunti evumelwaneni - nangona ufike ngexesha kunye nazo zonke iintlawulo zakho.
Awuthathi imali ngokwaneleyo inyanga nganye ukuhlangabezana nemfuneko yokuchitha imali . Unokuba uchithe amawaka angamawaka eedola ekuthengeni kwiinyanga ezimbalwa nje ukuhlangabezana neemfuneko zokuchitha. Ukuba imali yakho yangoku ayikho ephakamileyo ngokwaneleyo ukuhlangabezana neemfuno zokuchitha imali, ukulungelelaniswa kungenakukwazi ukuphambi kwakho. Ukwandisa imali yakho ukufumana ibhonasi kukubeka engozini yokudala izilinganiso ezinkulu kunokuba unako ukuhlawula.
Awunalo ixesha okanye inzala ekuhambeni kunye nenkqubela yakho yekhadi lesikweletu . Unako ukufumana iimali zeebhonasi zeekhredithi kunye nembuyekezo ekuthengweni kwekhadi lakho lesikweletu. Nangona kunjalo, ukuba unomsebenzi onzulu malunga namakhadi wesikweletu, ukulungiswa kwemizamo yakho kubalulekile.
Awuzange ube nekhadi lesikweletu . Ukukhishwa kwekhadi lokuthenga ngekhredithi kungekhona kwabangenalwazi. Kufuneka ube namava aqinileyo usebenzisa ikhadi lokuthenga ngetyala kwaye uhlawule ibhalansi yakho ngokupheleleyo inyanga nganye ngaphambi kokungena kwikhadi lekhredithi. Kulula kakhulu ukungena enkingeni kwaye xa ikhadi lakho lekhredithi liwonakalisiwe, kunzima ukuyilungisa.