10 imithetho nokusebenzisa ikhredithi khadi, kufuneka ukwazi

amakhadi Credit inokuba lulutho olukhulu ukuba unengxaki kwisicwangciso-mali. Bayakwazi kukunika ngokwephanyazo elincinane ukuphefumla, ukuba ufuna ukuba sihlawule iindleko nerente, ukutya kunye eziluncedo. Kodwa credit cards unako ngokukhawuleza ukuyeka ze akuncede ube yintloko omkhulu ukuba awufuni ukusebenzisa ngobulumko kubo.

Ngasezantsi uya kufumana imigaqo yokusetyenziswa credit cards. Ukuba landela kubo, uya kuzuza zonke iingenelo esifundisa ebhankini, kwaye ukujongana nangeengxaki ezivelayo.

1. Musa basayine nayiphi na imali-mboleko enika bank

Ukuba sele unayo ikhadi ngetyala okanye enye imali-mboleko, ngoko kukho amathuba ephakamileyo ukuba liza kuzithumela unikeza amatsha nge email. Kodwa ke oku akuthethi ukuba kufuneka ukuba babhaliswe ngasinye zindululo.

Kuqala kwinto zonke, bakugqale kufuneka ukuba cishe enye mboleko. Ukuba impendulo ngu-ewe, ngoko bachithe ubuncinane isiqingatha seyure ukufunda zonke izicelo kwaye khetha leyo aya kukunika inzuzo engaphezulu. Kubalulekile ukuba ibe Iinkcukacha ze-akhawunti ezifana iifizi zonyaka, inzala intshayelelo, iintlawulo emva kwexesha, umda zemboleko, kunye nayo nayiphi na eminye imiqathango kwinkampu yoqeqesho le mephu.

Khumbula, kubhaliselwa amakhadi amaninzi ngetyala, akuyi kuphela ngokungeyomfuneko kwandisa isiseko ngetyala, koko babe negalelo elibi kwi-akhawunti yakho ihlawulwe.

2. Zama ukugcina kwetyala kwikhadi lakho lokuthenga ngetyala kwi-0% kangangoko unako

Ukuba usebenzisa ikhadi lekhredithi, ufanele wazi ukuba ibhanki yakho ukunika iintsuku ezimbalwa phezu Akuyomfuneko ukuba uhlawule inzala. Ukuba ukucima onke amatyala ngeli xesha, akuyi kufuneka ukuba uhlawule inzala ukuba ukusetyenziswa umda zemboleko, kwaye ngexesha elinye kuba nako ukufumana imali yabo emva kwentsuku ezimbalwa.

Noko ke, oku kunokwenzeka kuphela xa uhlawule ngokupheleleyo amatyala wakho. Ziphe intlawulo asemva lenyanga nje enye yaye uya kubona ukuba uYehova uya kuqalisa ngayo ngokukhawuleza ukuba kongezeleka iintlawulo umdla omkhulu.

3. Ziphephe mali incinane

Omnye iimpazamo embi ezikhokelela imiba ngecredit card, ubambe kuphela intlawulo yenyanga ubuncinane eyi. Ukuba uchithe $ 2000 kwaye phantsi ngokwemvumelwano kufuneka uhlawule-2% ye-mali ezisetyenzisiweyo, ngoko ke intlawulo zisezantsi kulo mzekelo iya kulingana $ 40. Ngenxa umdla yonyaka kwaye ngenyanga, ibhanki emke-akhawunti yakho isixa esithile kumda ngetyala. Oku kuthetha ukuba imali ukuba wenze nyanga nganye, yehla kakhulu. Ukuba ubuyele umzekelo wethu, ubunyani-akhawunti yakho iya kufumana $ kuphela 8, endaweni ka-40 Ukuba sinamathele lo mkhwa, kodwa kule minyaka ezingamashumi amathathu, kufuneka uhlawule abo $ 2000 ukuba wathabatha ekuqalekeni, kodwa nezicelo enjalo ityala liya kuba phantse $ 7,000.

Eyothusayo, akunjalo na? Kungenxa yoko le nto kubaluleke kakhulu ukuba ucwangcise ucwangciso lwakho kwaye musa kumka kuyo xa usenza iintlawulo kwi-mboleko.

4. Ungaze uvumele usemva

Omnye wemithetho ephambili ekusetyenzisweni ngobulumko credit cards - lixesha ukwenza iintlawulo. Nangona abantu abaninzi bekholelwa ukuba aya kuyenza, abaninzi uyilibale nje ngayo.

Esalele intlawulo wakho iintsuku ezimbalwa ukuze kubonakale ngathi umba enkulu kuwe, kodwa le nkampani ikhadi lamatyala ziyabhatalisa ngokukhawuleza kakhulu isohlwayo ngenxa impazamo enjalo, singeze izinga lenzala, ingakumbi ukuba akukho kwixesha lokuqala.

Ukuba une amakhadi amaninzi ngetyala, yaye ukufumanisa kunzima ukukhumbula ngomhla wokugqibela zentlawulo ngamnye kubo, iyavakala ukuba isikhumbuzi kwifowuni yakho, ukuze uqiniseke ngokupheleleyo ukuba ucinga ngazo.

5. kabini ukujonga ingxelo yakho

iintengiselwano ezitenxileyo - akukho kwisehlo enqabileyo efana icredit card. Kwesinye kwaye ukuthenga efanayo zingahlawulwa kabini ikhadi lakho, kodwa awusoze ukwazi ngalo, ukuba bona ngokwabo ukuhlola.

Ukongeza, ukuba usebenzisa ikhadi lakho ngenxa ephindaphindekayo iintlawulo, ingakumbi abo yenziwa ngoncedo lwe-intanethi, ungenza ngokukhawuleza ukulibala ukuba zonke nyanga ngezityholo ikhadi lebhanki letyala lakho ihlawuliswa.

Ukukhangela zonke iindleko ngenyanga kwikhadi lakho lokuthenga ngetyala, awukwazi ukuphatha kuphela, kodwa kananjalo ukuchonga ngokukhawuleza ubuthathaka kunye neentlawulo ezitenxileyo enokuba longeziwe.

6. Ngoko nangoko azise ibhanki ukuba ikhadi lilahlekile okanye wenziwa intlawulo ngempazamo

Ukuba ukhe ulahlekelwe ikhadi lakho letyala, okanye ufumene umyalezo eyayibanjwe ongaziwa step, uyazi ukuba kufuneka usifowunela nangoko inkampani ikhadi lebhanki letyala kunye ukuvala i-akhawunti.

Xa ikhadi lakho letyala iwela ezandleni ephosakeleyo, credit yakho nzima ingasetyenziselwa imizuzu nje embalwa. Nangona kungekho kwamathandabuzo uya kuba nakho ukubonisa ukuba ikhadi nabakhohlisi zakho ukuluthatha, iya kuba yinkqubo ende kwaye kunzima, onokuwatshintsha papalata.

7. Ungaze ukurhoxisa imali kunye nekhadi lakho lokuthenga ngetyala

Nokuba ikhadi lakho letyala akanalo ipesenti enkulu uya kuba wothuka xa ufumanise into ibiza yebhanki yakho imali zokurhoxisa imali. Okokuqala, lo kamva kuya kufuneka ukuba uhlawule ukususela nge-2 ukuya kwi-4% yabo imali wemka. Okwesibini, kwaye kananjalo wazisusa intlawulo ekhawulezileyo, ophezu avareji 5% yemali ngemali. Kwimeko kulibaziseka kuya kufuneka ukuba uhlawule umyinge wenzala eliphakame kakhulu xa yokukhokhela ukuthenga ngqo credit card. Ukongeza, awufuni ukufumana isithuba saphambi korhafelo umdla-free.

8. Musa ukusebenzisa ikhadi kuphela ukuze bafumane amanqaku

miles ezamahala kwi moya, irenti imoto okanye intlawulo kwi nayiphi na iivenkile ezininzi - konke oku isandi kakhulu sinomtsalane kukutyhalele ukuba ukuhlawula nge-credit card. Ucinga ukuba le yenye indlela ukufumana ibhanki yakho yokukuhlawulela, akunjalo? Kodwa wena engalunganga!

Isibakala sokuba inzuzo usoloko ecaleni inkampani yekhadi. Bayazi ukuba sichithe imali eninzi imali ukuze bafumane iingongoma ethenjisiweyo, leyo ke isetyenziswe endaweni yemali. Bayazi ukuba uza uyazibuza ukuba yokuhlawula-mboleko phambi kwexesha umdla-free baya kukhululwa.

Xa ibhanki ufumana ithuba lokuba afumane inzala, ngoko nangoko wenza, kwaye ezi ntlawulo iza kuba nkulu kakhulu ngaphezu kwabo ukuba ufumana njengomvuzo tshembisiweke. Ngaloo ndlela, endaweni yenzuzo ezilindelekileyo uya kufumana iindleko ezongezelelweyo zezimali.

9. thethana kwaye ixoxe inkampani yekhadi lakho

Ngaba umthengi kakuhle kwibhanki yakho ekuhambeni kweminyaka? Ngaba zonke iimali-mboleko zakho kwaza kwabuyekezwa kuye? Ukuba ewe, ngoko ke kufuneka avuze ngoncedo kwenzala elisezantsi. Konke kufuneka ukwenze nje ukucela kuyo. Tsalela inkonzo yoncedo lwe kwibhanki yakho uze uxelele umphathi ngomnqweno wakhe.

Xa uqhagamshela, cela ukuba kwakhona inzala yakho kwi-mboleko, echaza ukuba bafanelwe nto, kuba nguwe client ogqibeleleyo. Uya kumangaliswa kukufumanisa ukuba loo izigqibo badla malunga nokuxhasa umxhasi, kodwa ibhanki kunqabile ukuba oko ngenxa yeenzame zazo.

10. Nceda uqhagamshelane yebhanki yakho kwangethuba ukuba unazo naziphi na iingxaki kwiintlawulo

Ukuba une imeko enzima zemali, kwaye wena, kungcono ukubabiza yena wayengazi ukuba ungenza iintlawulo kwi mephu kwiinyanga ezizayo ezimbalwa ebhankini kwaye ubazise malunga iingxaki vozniknuvshey.

Kungenzeka, uya kwenzelwa isicwangciso enye intlawulo. Ukongeza, ufumana ilayini dyondzisaka ukwenza iintlawulo, nani niya kunciphisa amathuba kokuba imbali embi yamatyala kwimephu yakho, eya ngokungathandabuzekiyo kwenzeka ukuba uphose intlawulo okanye iphelelwe.