Imali engaphezulu kwemida ihlawuliswa xa ibhalansi yakho yekhadi lesikweletu lidlula umda wakho wesikweletu ngokuthenga, iifizi, okanye iindleko zemali. Umrhumo usebenza kuphela kumakhadi-ngetyala anomda we-credit.
Kwiminyaka yokuqala ye-2000, imali engaphezulu kwemida yayiyingxaki enkulu kubaxhasi. Emva kokuba ibhalansi yekhadi lesikweletu yayiphezu komda, intlawulo yahlawulwa inyanga nganye ibhalansi ayizange ifakwe phezu komda. Ukuba inkokhelo encinci yanciphisa ibhalansi ukuya ngaphantsi komda, iindleko zezemali ziza kushukumisela umlinganiselo kwimida kwaye enye imali iya kuhlawulwa.
Lo mjikelo uza kuphinda inyanga inyanga emva kwenyanga ukwenza kube nzima kubaphathi bekhadi ukuba bazise izilinganiso zabo phantsi kwaye bayeke iifizi.
Xa uMthetho weKharityhulam weKharityhulam udluliselwe ngo-2009, ukuhlawulwa kwemirhumo yemali kwaphela. Abaniki bamakhadi ngekhadi banokuhlawula kuphela imali yokukhawulela kwiimeko ezithile kwaye inani lemirhumo enokuhlawuliswa kwimijikelezo yokuhlawula ikhefu. Ngxelo ka - 2013 yeKharityhulam ye-CARD , iBhengi ye-Consumer Protection Bureau iqikelela ukuba abathengi basindise i-$ 2.5 billion kwiimali ezingaphezulu kwemida phakathi kwexesha loMthetho we-CARD usebenze ngoFebruwari 2010 kunye nekota yokugqibela ka-2012.
UMthetho kwiMali yokuLawulwa koMda
Umthetho we-Federal uvimbela abakhishwe ngamakhadi ekwereti ukuba bahlawule umrhumo ongaphezulu kwemida ngaphandle kokuba ukhethe ukungena kwemigqaliselo. Oko kuthetha ukuba kufuneka unike imvume yakho echazwe phambi kokuba ungahlawuliswa intlawulo. Ngaphandle koko, nayiphi na intsebenziswano eya kudlulela umda wakho wesikweledu iya kunqunyulwa ngaloo ndlela ikuvumela ukuba ugweme imali engaphezulu kwemingcele.
Ukuba ukhe wangena ukungena kwemida engaphezu kwemida kwaye ugqithise umda we-credit limit, unokuhlawulwa kuphela umrhumo ophezulu ngaphezu kwemigangatho emibili elandelelanayo yokuhlawula ukuba ibhalansi yakho ihlala phezu komda. Nangona kunjalo, ukuba uhlawula ibhalansi yakho phantsi kwaye uwela umda kwakhona okanye ukuba ufumana umlinganiselo wesikweletu kunye nokugqithisa umda omtsha wesikweletu, umniki-khadi wakho wekhredithi unokuhlawulisa enye imali engaphezulu kwemida.
Ingakanani Imali yokuLawulwa kweMali?
Emva kokuba urhulumente adlulisele umyalelo wokunciphisa imirhumo engaphezulu kwemali ehlawulwayo, abaninzi abanokukhishwa ngamakhadi ekhredithi basusa yonke imali. Oku kuthetha ukuba awuyi kufumana umrhumo wehlawulo ukuhamba ngaphezu komda wakho weekhredithi, nokuba ukhethe ukungena okanye cha.
Intlawulo iyahluka ngekhadi lesikweledu kulabo abasenzayo. UMthetho we-CARD ukhombisa imali engaphezulu kwama-25 engaphezulu kwemali yesiganeko kwisiganeko sokuqala kunye nentlawulo ye-$ 35 kwimeko yesibini kwiinyanga ezintandathu. Umniki wekhadi-mboleko akavumeli ukuhlawula imali engaphezulu kwemali ephezulu ngaphezu kwexabiso ogqithise ngayo umda wakho wesikweletu. Hlola isivumelwano sakho sekhadi lesikweletu okanye umva we-credit card yakho okanye ubize umniki wekhadi lakho lekhredithi ukuze ufumane umrhumo ophezulu wekhadi lakho lesikweletu.
Nangona iinjongo zakho kufuneka ukuba ungadluli umda wakho wesikweletu, ujonge ukukhetha ikhadi lekhredithi elingathengi imali engaphezulu kwemingcele. Ngaloo ndlela, ukuba uhamba ngengozi kwinqanaba lakho lemali-mboleko, awuyi kuhlangabezana nesigwebo esikhulu.
Unokukhalaza kwi-CFPB ukuba ukholelwa ukuba umniki-khadi wakho wekhredithi akawulandeli umthetho ngokumalunga nemirhumo yemida.
Ezinye izigwebo ezingaphezulu
Qaphela ukuba nangona umkhupheli wekhadi lokuthenga ngetyala angakhokheli imali engaphezulu kwemingcele, kunokukho ezinye izigwebo zokudlula umda wakho wesikweletu.
Ngokomzekelo, umnikeli wekhadi unokuphakamisa izinga lakho kwizinga eliphezulu lokugwetywa okanye ukulahlekelwa nayiphi na imivuzo oyifumene nayo. Isivumelwano sakho sekhadi lesikweletu siya kuchaza izigwebo zokuya kumda wakho wemali.