Ibhalansi yekhadi lakho lesikweletu ngumlinganiselo werhafu ofunekayo kumkhupheli wekhadi lakho lesikweletu ngokusekelwe kulokho obolekileyo kodwa ungahlawulwanga. Ukuthengwa ngalunye, ukuhanjiswa kwemali, kunye nokwenyuka kwemali okwenzayo kwongezwa kwibhalansi yakho yekhadi lesikweletu. Imirhumo kunye nomdla kufana nokwandisa ukulinganisela kwekhadi lakho lesikweletu. Intlawulo kunye nokubuyisa kunciphisa ukulinganisela kwekhadi lakho lesikweletu. Ibhalansi yekhadi lakho lekhredithi linokuthi libi, ukuba uhlawulise ikhadi lakho lekredithi okanye ube nekhredithi esebenzayo kwiakhawunti yakho emva kokuba uyihlawule ibhalansi yakho ngokugcwele.
Kubalulekile ukuba ukhumbule ibhalansi yakho yekhadi lesikweletu, ukuba ungavumeli ukuba uphume kwi-control kwaye ugcine kwindawo efanelekileyo (okanye kwi-$ 0).
Kutheni kuba neNqaku elifanelekileyo lokuBhalisa kwiKhadi leMatyala
Ukugcina ibhalansi yamakhadi enhle kubalulekile kungekhona kuphela kumanqaku akho okwekhredithi, kodwa nakwimpilo yakho yemali ngokubanzi. Ibhalansi yekhadi lekhredithi ephezulu, ngokumalunga nomda wokuthenga ngetyala, inokulimaza amanqaku akho. Ukuphakanyiswa kwekhadi lakho lekhadi lesikweletu, okwenyuka imali yakho encinci kunye nemali eninzi oya kubelwa kuyo kwikharityhulam nganye ngenyanga. Ibhalansi yekhadi lekhredithi ephezulu ithetha ityala elingaphantsi lokwenza ukuthenga.
Yiyiphi imilinganiselo efanelekileyo kwiCredit Score yakho
Xa kuziwa kumanqaku akho ekhredithi , ibhalansi yekhadi lekhredithi elungileyo lingaphantsi kwe-30% yomda wakho wemali. Ngokomzekelo, ukuba unekhadi lesikweletu elinomlinganiselo wesikweletu se-$ 100, ibhalansi yakho kufuneka ibe ngaphantsi kwama-30. Ngokuqinisekileyo, ibhalansi yekhredithi engcono kakhulu yi-$ 0 kuba oko kuthetha ukuba awunayo ityala lekhadi lesikweletu.
Ukugcina ibhalansi ye-$ 0 akunakwenzeka ngaphandle kokuba ungalisebenzisi ikhadi lakho lesikweletu. Kodwa unako ukuqinisekisa ukuba ibhalansi yenani libikwe kwiivenkile zemali-mboleko ngokuhlawula ikhadi lakho lesikweletu ngaphambi kokuba umhla wokuvala i-akhawunti yakho.
Amanqaku okuthenga ngetyala, ngaphandle kwekhadi lekhredithi elifanelekileyo unako ukuhlawula.
Ekubeni indlela efanelekileyo yokulawula ityala lekhadi lesikweletu kukuhlawula ibhalansi yakho nyanga zonke, akufanele uhlawulise ngaphezu kwengeniso yakho yenyanga. Oko kukuthi, ingeniso yakho emva kwentela kunye neendleko.
Ngaba ukulinganisela kwakho kuphazamisa amanqaku akho kwiNgxowa-mali?
Yenza uluhlu lwawo onke amakhadi akho ekwereta. Bhala phantsi umda wesikweletu kunye nokulinganisela kwekhadi ngalinye lekhredithi. Emva koko, nganye kwikhadi lekhredithi, ukwahlula ibhalansi yekhadi lesikweletu ngomda we-credit. Phinda i-100 ukuguqula impendulo kwipesenti. Nawaphi na amakhadi ekrediti aneemali ezingaphezulu kwama-30% anokuchaphazela umlinganiselo wakho wekhredithi. Sebenzela ukunciphisa ezo zilinganiso kumanqaku angaphezulu kweetyala.
Indlela yokugcina i-Good Card Card Balance
Ibhalansi yekhadi lakho lesikweletu lingaphumelela ekulawuleni xa uchitha ingqondo ngaphandle kokukhangela ukuba ibhalansi yakho ifike kumda wakho wekhredithi. Yenza umkhwa wokuqhubeka uhlalutya ikhadi lakho lesikweletu, kanye ngeveki okanye kunjalo, ukuqinisekisa ukuba awukho ngaphezulu kwe-30% yomda wakho wemali. Njengoko ibhalansi yakho ikhula kakhulu, ungenza inkokhelo ukuzisa ibhalansi yakho phantsi. Okanye, ukuba awukwazi ukuhlawulela i-chunk enkulu ebhalansi yakho yekhadi lesikweletu, yeka ukusebenzisa ikhadi lakho lekredithi ngethuba de unokunciphisa ibhalansi yakho kwizinga elingcono.