Ikhadi lekhredithi elilondoloziweyo lifana nekhadi lesikweletu rhoqo, kodwa umahluko omkhulu kukuba kufuneka ukuba wenze idiphozithi ngokukhawulelwa kwemali yekhadi. Umda wakho wekhredithi uya kuba yipesenti yesigxina sakho sokukhupha okanye ingafana ne-deposit yakho.
Iibhanki ezininzi zibeka idiphozithi yakho kwi-akhawunti yokulondoloza inzala apho uhlala khona uvale i-akhawunti yakho, uthuthuke kwikhadi lekhredithi elingakhuselekanga okanye ukusilela kwi-card balance card.
Amakhadi okuthenga ikhredithi kunye namakhadi athengwa rhoqo
Ngaphandle kwe-deposit deposit, amakhadi e-credit card alondoloziweyo anjengezinye ezininzi iintlobo zamakhadi-mboleko. Ukuthenga okwenzayo kwikhadi lekhredithi elilondoloziweyo kunciphisa i-credit card yakho kwaye ufunwa ukuba wenze iintlawulo zincinci zenyanga kwi-balance card yakho. Ukuba ikhadi lakho lekhredithi elilondoloziweyo linomdla wobomi , unokuphepha ukuhlawula iintlawulo zemali ngokuhlawula imali yakho ngokugcwele inyanga nganye. Iintlawulo zexesha elide kunye nokukhawuleza kwemithwalo yokuthengiselana zihlawulwa ngomrhumo.
Amakhadi okuthenga ngetyala ahlala ekhuselekileyo anokufumana imali ngaphezulu kuneemakhadi zesikweletu ezingakhuselekanga. Kuqhelekile ukuhlawula intlawulo yonyaka kunye nentlawulo yesicelo. Ezinye zeakhadidi zekrediti ezikhuseleyo zihlawulisa inzala ephezulu, iindleko ze-akhawunti zenyanga, kunye neentlawulo zemali zokunyuka kwemali .
Kusenokwenzeka ukuba wenze iintlawulo
Nangona umda wakho wekhredithi ugcinwe ngediphozithi, usacelwa ukuba wenze iintlawulo ezincinci rhoqo kwiibhalansi yakho. Naliphina iinyanga eziza kuhlawulwa ziza kuxelwa kwi-credit bureau kwaye ziza kubangalisa amanqaku akho. Ukuba ungekho kwikhadi lesikweletu ngokuwa kweenyanga ezimbalwa emva kweentlawulo zakho, i-akhawunti yakho iya kuvalwa kwaye ulahlekelwe yokhuseleko lwakho.
Ngubani ozuza kwiKhadi leMali eliKhuselekileyo
Amakhadi ekhredithi rhoqo anemigangatho emgangathisiweyo yemboleko yokuba kunzima kubantu abanekhredithi embi kwaye akukho khredithi eya kuvunywa kula makhadi. Abathengi abanenkathazo yokufumana imvume yamakhadi wesikweletu ngamasiko bavame ukuvunyelwa kwikhadi lekhredithi elilondoloziweyo kunzima kakhulu kunekhadi lekhredithi rhoqo. Ukufumana ikhadi lekhredithi elikhuselekileyo livule ithuba lokubonisa ukuba ungasebenzisa amakhadi esikwereti ngokufanelekileyo. Emva kweenyanga ezimbalwa, unethuba elingcono lokufumana amaphepha amakhadi rhoqo.
Kwabantu abanomdla-mboleko - abo abanenkathazo yokufumana imvume yamakhadi-ngxowa rhoqo-banokuzuza kwikhadi lekhredithi elikhuselekile. Umzekelo, unokufuna umlinganiselo omkhulu wesikweletu kunokuba ungavunyelwa. Ukwenza i-deposit yokugcina ye-$ 5,000 okanye i-$ 10,000 iza kukunika umlinganiselo omkhulu wokuthenga ngetyala kwaye yenza kube lula ukufumana imimiselo efana nekhredithi kwikhadi lekhredithi elingakhuselekanga.
Ukuguqula kwiKhadi leMali elingaKhuseli
Amanye amakhadi ekhredithi ahlaziywa iakhawunti yakho emva kwexesha elithile, isib. Iinyanga ezili-12, kwaye kukuphucula kwikhadi lekhredithi elingakhuselekanga ukuba ufanelekile. Unokuphucula amathuba akho afanelekileyo kwikharityhulam yekhredithi engakhuselekanga ngokwenza iintlawulo zakho ngexesha kwaye ugcine ukulinganisela kwekhadi lakho lesikweletu.
Nangona umnikeli wakho wekhadi lokuthenga ikhredithi angakuphucula kwikhadi lekhredithi elingakhuselekanga, unakho ukufumana ikariti yekhredithi engakhuselekanga kunye nomnye umniki wekhadi lesikweletu emva kweenyanga ezintandathu ukuya kwezilishumi elinesibini. Ukucinga ukuba ikhadi lakho lekhredithi elikhuselekile lixelele imbali yakho yematyala kwenye yezona zikhulu zentengo zemboleko .
Ikhadi elikhuselekileyo lukhethi olufanelekileyo ukuba uqala nje ngekhredithi okanye kufuneka ulungise umlando wekredithi eyonakalisiweyo kwaye awukwazi ukufumana imvume yamakhadi akhredithi rhoqo.