Amanye amakhadi ekhredithi afaka iifizi zokugqibela emva kwekhadi lakho lekhadi lesikweletu.
Ngokomzekelo, ukuba ibhalansi yakho iphakathi kwe-$ 0 - $ 500 yakho imali ehlawuleyo ingaba yi-$ 15 okanye ukuba ibhalansi yakho ingaphezu kwe-$ 500 yakho imali ehlawuleyo ingaba yi-$ 30. Ezinye iikhadi zamatyala zinomrhumo othe wenziwa ngokukhawuleza kungakhathaliseki ukuba ibhalansi kwikhadi lakho lekhredithi.
Yiyiphi i-Maximum Credit Card ehlawulwayo?
Ngokomthetho, abakhupha amakhadi ekwereti banqunyelwe oko bangakuhlawula imali yokugqibela. Abaniki bamakhadi ngekhadi banokuhlawulisa imali ephezulu yokuhlawula i-$ 25 ngexesha lokuqala ukufika okanye ufike kwi-$ 35 ukuba uye wafika emva kweentlawulo zakho kwiinyanga ezintandathu ezedlulileyo. Imali ehlawulezileyo ayikwazi ukugqithisa isixa sokuphulwa. Ngokomzekelo, ukuba ubude ufikelele kwi-10 yeyona ntlawulo encinci, umrhumo wakho wokugqibela awukwazi ukuphakama ngaphezu kwe-$ 10. Ngenxa yoko, uninzi lomniki wekhadi lokuthenga ikhredithi wenze intlawulo encinci i-$ 25 okanye ngaphezulu.
Iimali eziHlulayo kwiiNkcukacha zezinye iiAkhawunti
Unokuhlawulwa imali ehlawulwa emva kweemali mboleko kunye nemigca yemboleko. Ukuba awuyikuhlawula imali ehambileyo ngaphambi kokuba umjikelezo wakho wokugqibela wenkophelo uphele, intlawulo yakho esezantsi iya kubandakanya intlawulo encinci yeyona nto, umrhumo wexesha elifutshane, kunye nayiphi na imali edlulileyo yokuhlawulwa ukusuka kumjikelezo wokugqibela wokuhlawula.
Uninzi lwazo zonke i-akhawunti kunye nomhla wokuhlawula umrhumo wexesha elifanelekileyo lihlawula umrhumo wexesha elide ukuba intlawulo yakho ayenziwanga ngosuku olufunekayo.
Indlela yokugwema iRhafu ehlawulekileyo
Ungakwazi ukuphepha iifizi zokugqibela ngokugqibeleleyo ngokwenza ubuncinane intlawulo encinci phambi komhla wokugqibela. Ukuthumela intlawulo yakho kwangaphambili kubalulekile, ingakumbi ukuba uthumele iintlawulo zakho.
Ukuba ujwayele ukulibala ukwenza intlawulo, qwalasela ukuhlela iintlawulo ngewebhusayithi ye-issuer yekhadi lesikweletu okanye kwi-bhanti yakho ye-bhanki ye-intanethi.
Kufuneka uhlawule ngokukhawuleza kwithuba lokuhlawulwa kwakho, ngokukodwa ukuba uhlawula ngomhla ofunekayo. Ukuba inkokhelo yakho yenziwe emva kwexesha lokunqanda, nokuba ngaba ngomhla ofunekayo, unako ukuhlawuliswa umrhumo wokugqibela. Abaniki bamakhadi bamakhredithi abanakufuna ukuba inkokhelo yakho ihlawulwe ngaphambi kwe-5 ntambama, kwaye abanye bayamkela iintlawulo kuze kube phakathi kobusuku. Hlola kunye nomniki wakho wekhadi lokuthenga ikhredithi ukuze ufunde ixesha elifanelekileyo lokuhlawulwa kwakho, kodwa ugweme ukuyinqumla le nto.
Xa kusondele kumhla ofunekayo, unokukwazi ukuphepha umrhumo wexesha ngokukhawuleza ngokuhlawula ngokukhawuleza kwikhompyutha okanye ngefowuni. Ababolekisi bahlala behlawula imali eyongezelelweyo yokuhlawulwa kwexesha, ngokukodwa ukuba ummeli wenkonzo yabathengi inkqubo yakho yokuhlawula ukukunceda ukuphepha umrhumo wexesha elifutshane. Ngenhlanhla, umrhumo ohlawulelwayo uhlala ungaphantsi kwemali efihliweyo.
Ukuba awunakudla ngokukhawuleza kwikhadi lakho lesikweletu okanye iintlawulo zembolekiso, umboleki wakho unokuyeka imali yokugqibela xa ucela.