Enye yezona zinto zibaluleke kakhulu ukuzazi malunga nekhadi lakho lekhredithi ngumlinganiselo wakho wekhredithi oyilona elona nani lilonke elikhoyo elikuyo kwikhadi lakho lekredithi kwinqanaba elithile ngaphandle kokufumana isohlwayo. Ukulawula umda wakho weekhredithi kubalulekile kokubili ukuphuma kwetyala nokukwakha amanqaku amatyala .
Ukuba uyazibuza ukuba umlinganiselo wesikweletu uliphi ikhadi lakho lesikweletu, khangela isitatimenti sakho sokubhatala, ungene kwi-akhawunti yakho ye-intanethi, okanye ubize inkonzo yamakhasimende akho ekharityhulam.
Ingakanani Imali Yakho Yomlinganiselo?
Umnikezeli wakho wekhadi lokuthenga ngetyala (credit card) umisela umda wakho wekhredithi xa uqala ukufaka isicelo kwikhadi lekredithi ngokuvavanya ingeniso yakho, inqanaba lesikweletu langoku, kunye nembali yekhredithi. Ukuba unembali entsha yematyala, imbali yeentlawulo ezifihlakeleyo, inzuzo ephantsi, okanye inqanaba lesikweletu ephakamileyo unakho ukuvunyelwa ukuba umlinganiselo omncinane wesikolodo uqale.
Ngelishwa, awukwazi ukuba yeyiphi imingalo yakho yemali eya kuba yinto de uzalise isicelo sakho kwaye avunyelwe kwikhadi lekhredithi. (Ikhefu lekhadi lekhredithi elikhuselekile apho umda wakho wekredithi ngokuqhelekileyo ulingana nentlawulo yakho yokhuseleko.) Ukuba (unesizathu) ongenakuvuyela umda wemali-mboleko oyifumeneyo, unokucela omnye omkhulu okanye uhlawule ikhadi lesikweletu .
Umda wakho wekhredithi awukwazi ukuhlala ufana kunye nexesha elipheleleyo lekhadi lesikweletu. Ukuba usebenzisa i-credit card yakho ngokuhlakanipha kwaye wenze iintlawulo zakho zenyanga ngethuba, unokuvunyelwa ukunyuka kwexesha lokuthenga ngetyala, ngamanye amaxesha ngaphandle kokucela ukunyuka kwemali yesikweletu .
Ngokufanayo, umda wakho wekhredithi unganciphisa ukuba imithwalo yakho yokuhlawula iwele emva okanye ityala lakho landa kwinqanaba elikhutshwa ngumniki-khadi wakho wekhadi.
Umlinganiselo wokuTyala nge-No Preset Spending Limit
Amanye amakhadi ekhredithi ayinayo imingcele yesikweletu esomeleleyo. Amakhadi eemboleko angenawo umda wokuchitha imali angakunikezeli inani elingenamkhawulo.
Kunoko, la makhadi anomlinganiselo wokuchitha utshintsho ngokusekelwe kwimikhuba yakho yokuchitha imali, ingeniso, umlando wesikweletu kunye nezinye izinto.
Ingakanani Umlinganiselo Wemali Ongawusebenzisa?
Unako ukuthenga yonke indlela ukuya kumda wakho wesikweletu, kodwa ungeke ukwazi ukuhamba ngaphezu komda wakho wesikweletu , ingakumbi ukuba ungenayo ukungena kwemida engaphezulu. Ukugqithisa umda wakho wekhredithi kunokubangela imali engaphezulu kwemingeni kwaye inokubangela isantya sohlwayo . Jonga kwisivumelwano sakho sekhadi lesikweletu ukuze ubone ukuba umnikeli wakho wekhadi ubeka isohlwayo ekuhambeni umda wakho wemali.
Ukugqithisa umda wakho wesikweletu, kwaye nokuba usondele kuso, uphumelele kumanqaku akho ekhredithi. Umlinganiselo wakho wekhredithi - kwaye ibhalansi yakho yekhadi-mboleko - ibhalwa kwii-credit burea ngenyanga nganye kunye nolunye ulwazi lwe-akhawunti. Le ngcaciso isetyenziselwa ukubala amanqaku akho kunye neemeko kwi-"usetyenziso lweentengo" kwinqanaba lekhredithi yakho.
Ukusetyenziswa kwetyala kukumisela inani lemali yakho yomyinge osetyenziswayo kwaye ibalwa ngama-30% emanqaku akho ekhredithi. Ukuphakanyiswa kwekhadi lakho lekhadi lesikweletu, ngokumalunga nomda wakho wemali, ukuphakanyiswa kwetyala lakho kunye neklasi lakho lekhredithi. Kulungile ukugcina izilinganisi zekhadi lakho lesikweletu ngaphakathi kwe-10% ukuya kwi-30% yomda wakho wemali ukwenzela ukuphumeza amanqaku amanqaku angaphezulu.
Umda wakho wekhredithi uyaphinda uhlaziywe. Ungasebenzisa i-credit yakho ngaphezu kwexesha elide uhlawula ngexesha nganye ngenyanga kwaye ugcine i-akhawunti yakho ngokuma kakuhle .