Xa unamakhadi amaninzi ekhredithi, kusebenza ngokugqithiseleyo ukugxila kwikharityhulam yekrediti ngexesha kunokusasaza iintlawulo zakho phezu kwazo zonke iikhadi lakho lekredit. Uya kwenza inkqubela phambili xa uhlawula isamba semali kwikhadi lekredithi nganye ngenyanga. Nangona ubeka uninzi lwemizamo yakho ekuhlawuleleni ikhadi elilodwa lesikwereti, kufuneka uqhubeke uqhuba iintlawulo ezincinci kuzo zonke iikhadi lakho lokuthenga ngetyala ukwenzela ukuphepha ukuhlawulwa kwexesha lokugqibela kunye nokugcina i-akhawunti yakho ibume kakuhle.
Icandelo elinzima ke, liqikelela ukulungelelanisa iikhodi zamatyala -iyiphi ikhadi lekhredithi kufuneka ugxininise ekuhlawuleni kuqala.
Iindlela ezimbini ezibalulekileyo zokuhlawula ngaphandle kweeKhadi zeMatyala
Kukho iindlela ezibalulekileyo zokuhlawula amakhadi-ngxowa-mali : mhlawumbi ngokuhlawula ikhadi lesikweletu kunye nezinga eliphezulu lemali yokuqala okanye enye ibhalansi ephantsi. Ukugqiba isicwangciso esilungileyo kuwe, cinga ukuba ungathanda ukugcina imali kumdla okanye ukulahla yonke i-balance balance card.
Ukuba ukugcina imali kumdla kubaluleke ngaphezu kokuhlawula into ngokukhawuleza , ke uhlawule amakhadi akho ekhredithi aqala nge-balance rate yesibalo sokuqala. Ukuhlawula ibhalansi yentlawulo ephezulu kakhulu kuthatha ixesha elincinci kwaye kukuvumela ukuba ugcine imali kwiindleko zezemali , ingakumbi ukuba i-rate yeyona matyala ephezulu yemali yesikweleti ineemali eziphezulu.
Yenza uluhlu lwamakhadi wakho ekhredithi, uwabeke ngokulandelelana ukusuka kwizinga eliphezulu ukuya kweyona ncinane.
Emva koko, hlawula ikhadi lekhredithi ngenqanaba lokuqala lemali ngokwenza imali ephezulu yokuhlawulwa kwikhadi nganye ngenyanga. Emva kokuba uhlawule ikhadi lekhredithi elinomyinge omkhulu wenzalo, qhubela phambili kwikhadi ngezinga eliphezulu eliphezulu lezala kunye nokunye, de kube zonke iikhadi lekhredithi lihlawulwe.
Ukuba ukuhlawula iakhawunti ngokukhawuleza kubaluleke ngaphezu kokulondoloza imali kumdla , ke uhlawule amakhadi akho ekhredithi ngokuqala kwibhalansi ephantsi. Xa uhlawula iibhalansi ezincinci kuqala, uvakalelwa ukuba wenza inkqubela phambili ngokukhawuleza ukukhangela ibhalansi yekhadi. Le nkqubela inokukugcina ukhuthaze ukuba uhlale ukhuthele ngokuhlawula iakhawunti zakho. Umzekelo, ukuba unayo ibhalansi yekharityhulam ye-$ 500 kunye ne-$ 500 eyongezelelweyo kwi-paycheck, ibhonasi, ukubuyiselwa kwemali yentlawulo, unakho ukuhlawula ikhadi elipheleleyo lekhredithi kwaye ube neakhawunti enye engaphantsi ukucinga ngayo.
Ngaphandle kweMigaqo
Ngokuxhomekeke kumakhadi wakho eemboleko, kunokukho ezinye izinto. Ngokomzekelo, ukuba ukhethe ukunyuka kwezinga lentengo kunye nekhadi lakho lekhredithi liya kuvalwa kungekudala, kufuneka uqikelele ukuhlawula imali ngokukhawuleza ukuphepha ukulimaza amanqaku akho . Kwakhona, ukuba unemivuzo kunye nomdla ochasiweyo, hlawula loo minganiso ukuze ugweme ukutshatyalaliswa nazo zonke iintlawulo zomdla ekupheleni kwexesha lokuphromotha.
Hlalani nikhumbule ukuba iirhafu zinokutshintsha, ingakumbi ukuba unomdlalo ochanekileyo u-APR okanye ufumana isohlwayo ngo-APR.
Ngaba enye iWest Methoder?
Xa kufikelele kumlinganiselo wexesha elifunekayo ukuhlawula i-balance balance card yakho, akukho mfahluko omkhulu kwiindlela ezimbini.
Ukuhlawula umrhumo wenqanaba lomdla ngokuqhelekileyo kuya kukuvumela ukuba uhlawule iakhawunti zakho ezinyangeni ezimbalwa ngaphambi kokuhlawula umyalelo wokulinganisela.
Ekugqibeleni, akufanele ukhethe enye yezo ndlela ezimbini. Unokuhlawula amakhadi akho ekwerethi kuyo nayiphi na umyalelo owenza uvuyo - unako ukubhala i-alfabhethi ngomkhupheli wekhadi lokuthenga ngetyala okanye ukulahla izilinganiso kumakhadi awusayisebenzisi kwakhona. Injongo ephambili kukuba uhlawule i-balance balance card yakho ngokwenza inkokhelo yokuhlawula kwikhadi lekhredithi nganye nyanga de kube loo mali ibhatalwa. Okwangoku, qiniseka ukuba wenze iintlawulo ezincinci kuzo zonke ezinye iikhadi lamatyala.