Xa unqatshelwe kwikhadi lesikweletu, umbolekiso, okanye omnye umkhiqizo-nkonzo okanye isevisi ngenxa yenkcazelo kwingxelo yakho yekhredithi, umbolekisi kufuneka ukuba athumele ileta ekukuxelele isizathu okanye izizathu zokuthi unqatshelwe. Lesi saziso esilungileyo kufuneka sifike kwi-imeyile ukuya kwiintsuku ezili-10 emva kokuba wenze isicelo sakho.
Ukukhishwa ngenxa yeZingxelo zokuTyala ezinganeleyo
Kukho izizathu ezininzi ezichasayo, enye yazo "Ingenani elaneleyo leenkcazelo zekhredithi." Eli nqaku lithetha ukuba awunayo iakhawunti ezaneleyo zekhredithi kwingxelo yakho yekhredithi ukuze uhlangabezane neziqinisekiso zemali-mboleko.
Le meko-enokuba neengxelo ezimbalwa zeerhafu kwi-credit report yakho-inokuthiwa "umlando wesikweletu esikhatywayo" okanye " ifayile yesikweletu esincinci ."
Abathengi abahlukeneyo nabathengi banemfuno eyahlukeneyo yeenombolo zeakhawunti zekreditenti omele ukuba nazo phambi kokuba bavume isicelo sakho. Abanye bangakuvuma ngaphandle kwee-akhawunti (okanye iinkolelo), abanye bangakufuna ukuba ube ngaphezu kweyesithathu. Unokwenyulwa ngenxa yokuba ungenayo i-akhawunti ekhredithi, nangona unomvuzo omhle wekhredithi. (Mhlawumbi awuyi kuba nekhredithi ephezulu kakhulu ngeakhawunti ezimbalwa zeentengo kwi-credit report yakho.)
Oko Ukwenza Xa Ukhishiwe Ngenxa yokuba Unayo Ama-Akhawunti Ayenzileyo
Isaziso esilungileyo senkqubo oyifumeneyo siya kufaka imiyalelo yokuyalela ikopi yamahhala yeengxelo zemboleko esetyenziswe kwisigqibo. Uya kuba neentsuku ezingama-60 ukuze ulandele ikopi yale ngxelo yengxelo yemboleko. Qinisekisa ukuba ufumana ingxelo yakho, ukuze uqinisekise ukuba zonke ii-akhawunti zakho ezivulekileyo, ezisebenzayo zekredithi zichazwe ngokufanelekileyo.
Ukujonga ingxelo yakho yekredithi iya kuqinisekisa nenani leakhawunti onayo kwingxelo yakho yekhredithi.
Ukuba awuvunyelwanga ngenxa yokuba "inani elaneleyo leenkcukacha zeentengo zemali," uya kufuna ezinye iingxelo ze-credit card yakho ngaphambi kokuba isicelo sakho singavunyelwa kule nkampani.
Ngenxa yokuba iimfuno zeentengo zemali-mboleko ziyahluka, unokufumana imvume kwezinye iibhanki okanye umniki wekhadi lokuthenga ngetyala kunye nenani elifanayo leakhawunti zekredithi kwingxelo yakho yekhredithi. Cinga ukuthenga ngeenxa zonke nabanye ababolekisi.
Ukwakha i-credit yakho xa unemali engqinqiweyo yemboleko, khawucinge ngekhadi lesikredenti yokuthengisa okanye ikhadi lekhredithi elilondoloziweyo (idinga idiphozithi). Ukuba ngumsebenzisi ogunyazisiweyo , ukufumana i-akhawunti edibeneyo, okanye ukufaka isicelo kunye nomnxibelelwano wokubambisana kunye nezinye iinketho zokukwakha ikhredithi yakho ukuze ukwazi ukufumana yedwa.
Qaphela ukuba awufaki izicelo zeakhawunti ezininzi zekredithi ngexesha elinye kwizame zokufaka ii-akhawunti ezingaphezulu kwi-akhawunti yakho ye-credit. Ingaba nefuthe elichaseneyo kwaye lenze kube nzima nakakhulu ukufumana imvume, ngexeshana elifutshane. Ababoleki banokubheka njengengozi xa umfaki sicelo eneakhawunti ezitsha ezivulekileyo ngexesha elifutshane. Nangona kunjalo, njengoko ulawula kakuhle iakhawunti kwaye uhlawula ngexesha, ukuba le akhawunti ikhuphe ingxelo yakho yekhredithi.
Funda malunga ne- CPN kunye nendlela yokuyisebenzisa.