Ikhadi lekhredithi yindlela nje yokufikelela kwi-akhawunti yekhredithi ibhanki eyenziwe kuwe. I-akhawunti yekhredithi iza kunye namanye amacandelo, achazwe kwisivumelwano sakho sekhadi lesikweletu. Isivumelwano sekhadi lesikweletu sivumelwano esichaza imiqathango, imiqathango, intengo, kunye nezohlwayo zekhadi lesikweletu.
Ngokusebenzisa ikhadi lakho lekhredithi okanye ungakhange ukhansele ngaphakathi kwithuba elithile emva kokuba uyifumene, uyavumelana nemimiselo kwisivumelwano sekhadi lesikweletu, apho ungenayo ingeniso.
Umnikezeli wekhadi lokuthenga ngetyala unokutshintsha imiqathango nangaliphi na ixesha, ngesaziso esandulelayo, kwaye uqhubeke usebenzisa izibonakaliso zekhadi lakho lesikweletu ovuma kuzo utshintsho kwimimiselo. Unokwazi ukulahla iinxalenye ezithile zesivumelwano sakho sekhadi lesikweletu, njengesiqendu sokubambisana, kodwa kuxhomekeka kumkhupheli wekhadi lesikweletu.
Yintoni kwiSivumelwano seKhadi lesikweletu
Izivumelwano zekhadi lokuthenga ngamatyala azinakukuthabatha ukufunda, ngaphandle kokuba uthanda ukwazi imigaqo yamakhadi ekwereti. Kodwa, ekubeni isivumelwano sekhadi lesikweletu sivumelwano esibophe ngokomthetho, kufuneka ukwazi ukuba uyavuma ntoni.
Isivumelwano sekhadi lesikweletu siya kuluhlu lwazi lwexabiso malunga nekhadi lesikweletu:
- ireyenti yepesenti yonyaka nganye kwimivuzo enokuthi ithathwe - ukuthengwa, ukuhanjiswa kwemali, kunye nokunyuka kwemali - kunye nenqanaba lesohlwayo xa lisebenza
- izinga lokutshintsha apho izinga eliguqukileyo libophelelwe khona, umz
- iinkcukacha zeentlawulo zemali kubandakanya ixabiso elincinci lezemali, indlela yokubala yemali yezimali, kwaye xa ungahlawulwanga imali
- ixesha lenceba
- iirhafu ungahlawulwa kwaye xa ziya kuhlawulwa
Iinkalo ezichazwe ngasentla zixabiso elincinci lolwazi olufakwe kwisivumelwano sekhadi lesikweletu.
La maxwebhu aqheleke kakhulu kakhulu kwaye aphephe zonke iinkcukacha zekhadi lakho lesikweletu kuquka:
- umda wakho wekhredithi kunye nolwazi malunga nendlela umniki wekhadi lakho lekhredithi angalitshintsha ngayo
- iinkcukacha malunga nokusebenzisa ikhadi lakho lesikweletu kwelinye ilizwe
- indlela inkokhelo yakho encinci ibalwa ngayo
- okukhethwa kukho ukuhlawula ibhalansi yakho yekhadi kunye neentlawulo zakho
- indlela ikhadi lakho lekhredithi lichazwa ngayo kwii- credit bureaus
- ukuba ulwazi lwakho lwabelwana njani okanye lugcinwe ngasese
- utshintshe umniki wekhadi lokuthenga ngetyala unokwenza kwiakhawunti yakho
- yintoni eyenza ukungakho phantsi kwaye kwenzekani ukuba ungekho
- indlela yokusingatha ikhadi lekhredithi elahlekile
- indlela yokuvala iakhawunti yakho
- indlela yokusingatha iingxabano zokubambisa kunye nomniki wekhadi lesikweletu
- iqumrhu elisemthethweni elenza isivumelwano sekhadi lesikweletu
Indlela yokufumana iSivumelwano sakho seKhadi leKhadi
Umthetho we-Federal ufuna ukuba bonke abanikidi bekhadi abanamakhredithi abane-akhawunti engaphezulu kwe-10,000 akhawunti yekhadi lokuthenga ngetyala badibanise ikopi yeemvumelwano zabo zekhadi lesikweletu. Umnikeli wakho wekhadi lokuthenga ngetyala kufuneka akunike nekopi yesivumelwano sekhadi lesikweletu se-akhawunti yakho xa ucela. Ekugqibeleni, iBhodi yoKhuseleko lwezeMali yabathengi igcina isiseko sedatha esibandakanya izivumelwano zekhadi zetyala ezivela kuma-issuer angaphezulu kwama-300.