Xa sele ugqibile ukugqiba ukufaka isicelo sakho kwikharityhulam yakho yokuqala yekhredithi kwaye ukhethe oko ucinga ukuba yona nto ibhetele kuwe (kuninzi ukukhetha kuyo), lixesha lokugcwalisa isicelo. Ukufaka isicelo kwikhadi lakho lokuthenga ngetyala kungakuvuyisa, kodwa kukhwankqisayo. Ukwazi oko unokulindela kunokunciphisa ukukhathazeka kwakho.
Unokuthi unqatshelwe.
Masikufumene kakubi kakhulu kwindlela eya phambili. Ngaphandle kwimbali yentengo yemboleko, kukho ithuba onokuliphika, ingakumbi ukuba ufuna isicelo sekhadi lesikratshi elenzelwe umntu onetyala elihle okanye elihle kakhulu.
Abafundi banokuphucula amathuba abo okuvunywa ngokufaka isicelo kwikhadi lekhredithi yomfundi . Ukuba unqatshelwe umniki wekhadi lokuthenga ngetyala uya kuthumela ileta ekuxelela izizathu ezithile zokukhanyela . Emva kokuba ufumene ileta, sebenzisa ulwazi ukukunceda ukuba ufake isicelo sekhadi lesikweletu esilungele ixesha elizayo. Ngokomzekelo, ikhadi lekhredithi elikhuselekileyo lidla ngokufanelekileyo kubantu abadala abasuka ngekhredithi.
Usebenza ngokusemthethweni ngemboleko.
Ikhadi lesikwerethi uhlobo lomboleko oya kuboleka ngokuphindaphindiweyo ngokukhawuleza ukuba uyihlawule. Nangona oko uye wacinga ukuba ufikelele kweli nqaku, ikhadi lekhredithi ayikho imali yamahhala. Njengoko uthatha uxanduva lokuba nekhadi lesikweletu, khumbula ukuba kufuneka uhlawule yonke into oyibolekayo.
Baya kuba nolwazi oluthile.
Abaniki bamakhadi abasebenzisa amakhadi basebenzise izicelo zokuqokelela ulwazi olufunekayo ukucwangcisa isicelo sakho. Ngokomzekelo, ezininzi izicelo zicela inombolo yakho yokhuseleko loluntu kunye nolunye ulwazi lomntu siqu njengosuku lwakho lokuzalwa.
Oku kuvumela umniki wekhadi lokuthenga ngetyala ngekontenti ukuqinisekisa ubungqina bakho kwaye uhlole i-credit yakho kunye ne- bureaus ye-credit -us ikukufumanisa nenombolo yokhuseleko loluntu.
Umele usebenzise idilesi yendawo apho ufumana i-imeyile.
Idilesi oyifake kwisicelo sakho yilapho ikhenda lakho lekredithi kunye nezitatimenti ziya kuza.
Qinisekisa ukuba usebenzisa idilesi yangoku kunye nechanekileyo. Qaphela ukuba ukuba usebenzisa ibhokisi yepostile kwidilesi yakho, inokulibazisa ukucwangciswa kwesicelo kuba umnikezeli wekhadi lesikweletu kufuneka abe nedilesi yangokwenyama.
Uya kufuneka ukwazi imvuzo yakho.
Abaniki bamakhadi bamakhadi kufuneka bacele ingeniso ukuqinisekisa ukuba abafake izicelo bangahlawulela oko baboleke. Ukuba awunayo ingeniso eyaneleyo, unokufuneka ulinde uze ufumane umsebenzi okanye ucele umzali okanye umntu omdala ukuba angenele kuwe. Abazali bakho bafumana ingeniso ngaphandle kokuba ungabakwi-akhawunti kunye nabo kwaye banokufikelela kwi-deposit yabo rhoqo okanye bakunika isibonelelo esiqhelekileyo.
Awukwazi ukufumana isigqibo ngokukhawuleza.
Uninzi lwezicelo zekhadi zekredenti ze-intanethi kunye nefowuni zinokucutshungulwa ngemizuzwana kwangoko, kukunika imvume ngokukhawuleza. Ngamanye amaxesha, izicelo zithatha ixesha elide kuba kukho ukubandakanyeka komntu okufunekayo, nokuba ufumane ulwazi oluninzi kuwe okanye ukuhlolisisa ngesandla sakho isicelo. Ungacingi ukuba unqatshelwe ngenxa yokuba awufumananga impendulo ngokukhawuleza.
Unokuba nomlinganiselo ophantsi wekhredithi.
Xa uqale uqala ngekhredithi, abakhupheli bekhadi-mboleko baya kuqalisa ukuphuma kunye nomncinci wesikweledu ukunciphisa umngcipheko wabo.
Akuyona into embi - udinga ixesha lokuba ujwayele ukulawula ikhadi lekhredithi kunye nomda omkhulu wemali kwenza kube lula ukuba ungene phezu kwentloko yakho. Ngaphezu koko, imingcele yemboleko ixhomekeke kwingeniso, ngoko ke ukuba usebenza ngexesha lesikhathi ngelixa uhamba kwiikholeji, umda wakho wekhredithi unokukhawulelwa ngumvuzo wakho.
Le khadi iya kuba yinxalenye yembali yakho yematyala.
Abaniki bekhadi lokuthenga ngetyala banokusetyenziswa kwekhadi lakho lokuthenga ngetyala ngemali eyaziwayo njengee- credit bureaus , okanye i-arhente yokubika ngetyala. Ezi zibonelelo zigcina iimbali zemboleko kumntu ngamnye onomakhadi wesikweletu, umbolekiso, okanye olunye uhlobo lweakhawunti enekredithi. Iimpazamo ezithile zekhadi lesikredithi - njengeentlawulo ezikhawulezileyo kunye nezilinganiso eziphezulu-ziya kubonisa ingxelo yengxelo yakho yekredithi kwaye yenza kube nzima ukufumana amanye amakhadi e-credit kwixesha elizayo.