Ukufumana loo makhadi okuthenga imboleko ngeposi kungabangela umdla, ingakumbi ukuba kukho isipho sekhadi lesikweletu elinomlinganiselo omncinci wenzalo okanye umvuzo wembuyekezo. Kodwa, musa ukuvuyela. Ukuba uke waphendule kwi-credit card yangaphambili yokuvunywa kwe-credit card, ngoko sele uyayazi inyaniso malunga nokunikezelwa kwamakhadi ekhredithi kwangaphambi kokuba avunywe. Ilungile lo nto. Unako ukukhishwa ngenxa yekhadi lesikweletu oye "wamukelwa ngaphambili".
Kuthetha ntoni?
Abaniki bamakhadi ngekhadi banomsebenzi wokuhlola ukufumana ukuba ngabaphi abathengi banokulungelelanisa ikhadi elithile lekhredithi. Kwinkqubo yokuhlola, umnikeli wekhadi ucela i-credit bureau kwiluhlu lwabathengi abafanelekileyo kwiikhrayitheriya ezithile, njengalabo abanomlinganiselo othile wekhredithi okanye unani le-akhawunti. Ukuba udibana nenqobo, igama lakho liya kuluhlu kwaye umniki wekhadi lokuthenga ngetyala uyakuthumela isibonelelo sangaphambili sokuvunywa. Cinga nje ngesimemo sokuba ufake isicelo sekhadi lesikweledu kunokuba unikezelo oluqinileyo lwekhadi lesikweletu.
Ukuvunywa kwangaphambili akuchaphazeli umlinganiselo wakho wekhredithi, kuba umniki wekhadi lesikweletu akazange enze ukukhutshwa kanzima kwingxelo yakho yekhredithi. Ukuba unquma ukufaka isicelo sekhadi lesikweletu, umniki wekhadi lokuthenga ngetyala uya kwenza ithenkethi yokutshekisha okuya kubangela ukuba uphenyo olunzima. Uphando oluvela kwisicelo sakho lunokulimaza amanqaku okuthenga ngetyala ngokuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi.
Indlela Yokufumana Iikhadi Zemali Ezivunywe Ngaphambili
Ukuba awufumananga ukunikezelwa kwekhadi lekhredithi kwangaphambili elivunyiweyo kwi-imeyile, akuthethi ukuba awufaneleki omnye.
Abanye abaniki bamakhadi bekhredithi bakwenza kube lula ukufumanisa ukuba ngaba uvunyiwe ngaphambili kwikhadi lesikweletu. Uza kufaka kuphela ulwazi lwakho olusisiseko - igama lakho kunye neenombolo ezine zokugqibela zenombolo yakho yokhuseleko loluntu - ukubona ukuba yeyiphi na amakhadi enkoleko, ukuba kukho na, unokufanelekela.
Ukuhlolwa kwangaphambi kokuvunywa ngokuqhelekileyo kuthatha kuphela ukudonsa okukhatywayo kwingxelo yakho yekhredithi oku kuthetha ukuba akuyi kuphazamisa amanqaku akho ekwereta ngaphandle kokuba ekugqibeleni ugqibe ukufaka isicelo sekhadi lesikweletu.
- American Express
- Bank of America
- Inkunzi eyodwa
- Chase
- Citi
- Fumana
- Merrick Bank
- Ibhanki yaseU.S.
Ukutshekisha ngokukhawuleza ukuba ubone ukuba uvunyiwe ngaphambili kwikhadi lekredithi kunokukugcina ingxaki yokusebenzisa amakhadi ekwereti "aphume kwinqanaba lakho" ukuba uthethe. Oku kubalulekile kuba imibuzo emitsha yesikweletu inokuchaphazela amanqaku akho ekwereta kwaye yenza kube nzima ukufumana izicelo ezizayo ezivunyiweyo.
Kutheni ukuVunywa kwangaphambili kweKhadi leMali-mboleko kunikezela ukuba akunjalo
Nangona emva kokufumana ukunikezelwa kwekhadi lekhredithi elivunyiweyo, kufuneka usenze isicelo, ngokungathi ufumene ikhadi lokuthenga ngetyala. Emva kokufaka isicelo, umniki wekhadi lokuthenga ngetyala uya kuthatha umboniso osondeleyo kwimbali yakho yekhredithi kunye nolwazi kwisicelo sakho ukuba unqume ukuba ngaba unelungelo lokufumana ikhadi lesikweletu.
Kwimeko enhle kakhulu, uvunyiwe kwikharityhulam yekhredithi kunye nemigangatho efanayo eya kubhalwe kwileta yokunikezela. Ukuncinci kancinci: unokuvunyelwa, kodwa ngeemeko ezincinci kunezinto ezibhalwe kwi-offer. Umzekelo, unokuvunyelwa ukuba ube nesantya esiphezulu senzala okanye ixesha elifutshane lokuphromotha.
Isimo esona sibi kakhulu: unokuphikiswa ngenxa yekhadi lesikweletu ngokupheleleyo.
Izikolo zeMali eziMahla emva kweSigqibo esingathandekiyo
Ukuba unqatshelwe kwikhadi lekredithi elivunyiweyo ngaphambili (okanye nayiphi na ikhadi lekhredithi) okanye uvunyiwe kodwa ngaphandle kwemimiselo encinci kunokuba unikezelwa ngenxa yokuba umlinganiselo wakho wekhredithi awuzange uhlangabezane neendlela, umniki wekhadi uya kuthumela ikopi yakho yamanqaku akhokhredithi asetyenziswa kwisigqibo .
Unako ukufumana ilungelo lokunika ingxelo yekhredithi yemali ukuba unqatshelwe ngenxa yolwazi kwingxelo yakho yekhredithi. Uya kuba neentsuku ezingama-60 ukucela le ngxelo yekhredithi yehhafu.
Ungasebenzisa eli thuba ukuba ufumanise oko kukulimaza amathuba akho okuvunywa kwaye usebenze ukuphucula umlinganiselo wakho wekhredithi ngoko ukuba unquma ukufaka isicelo sekhadi lesikweletu kwikamva.
Musa ukulibala ukuthenga
Ikhadi lekhredithi eliphambili elivunyiweyo elifumanayo lingahlawulwanga ngolu hlobo.
Ngaphambi kokuba uphendule, hamba kwi-intanethi ukukhangela ukunikezelwa kwekhadi lokuthenga ngetyala. Unokufumana into engcono kunokuba unikezwe ngeposi. Ukuthenga ngeenxa zonke kunokukunceda uqiniseke ukuba ufumana into engcono. Unokufumana ikhadi lekhredithi elingcono kunye nomnye umniki wekhadi.
Thelekisa amakhadi ekwereti ofanelekile ukusekelwe kwimiphumo, i-perks, inzala, kunye neentlawulo.
Yeka IziKhutshwa zeKhadi leMatyala eVunyiwe ngaphambili
Ukuba awusayi kufuna ukufumana iikethi zekhadi lesikredenti esamkelwe ngaphambili, mhlawumbi ngenxa yokuba ufumana ezininzi kakhulu, unganciphisa izibonelelo ozithola ngeposi. Khangela nje kwi-optoutprescreen.com. Unokungena kwakhona kwiwebhsayithi enye ukuba ukhethe ukuphuma.
Umgca wokuphuma oya kumisa amaninzi amaninzi anikezelweyo-oko kusekelwe kwi-pre-screenings ngokusebenzisa i-credit bureaus enkulu. Nangona kunjalo, usenokufumana izibonelelo ezivela kwiinkampani sele usuqhuba ishishini kunye okanye ukusuka kwiinkampani ezithe zafumana ulwazi lwakho kwindawo ethile ngaphandle kwee-credit bureaus.
Ungasasebenzisa izixhobo eziphambili zokukhishwa kwekhadi lekhredithi kwi-intanethi ukuthenga ngeenxa zonke kumakhadi-mboleko xa ulungele ukufaka isicelo kwikharityhulam entsha. Ngale ndlela, uhlala kwisihlalo somqhubi xa ukhangelelwa ngamakhadi wesikweletu.