10 Imithetho for usebenzisa ikhadi lokuthenga ngesikweleti, odinga ukukwazi

Credit card kungaba iyisibusiso enkulu uma unenkinga ku uhlelo lwezimali. Abakwazi ukukunika isikhala kancane ukuphefumula, uma ufuna kuvalwe izindleko ukuqasha, ukudla nezinye izinkonzo. Kodwa ama-credit card kusheshe ayeke futhi kukusize ube ikhanda enkulu uma ungayisebenzisi ngokuhlakanipha.

Ngezansi uzothola imithetho ukusetshenziswa wesikweletu. Uma ukuzilandela, uyozuza zonke izinzuzo enikeza ebhange, hhayi ukuba ubhekane nezinkinga ezingase ziphakame.

1. Musa usayine noma yisiphi loan enikeza yasebhange

Uma usuvele unayo i-credit card noma ezinye loan ke kukhona awokuthi uzobe uthumela izipesheli entsha nge-imeyili. Kodwa lokhu akusho ukuthi kufanele ibhaliswe ngamunye iziphakamiso.

Okokuqala, cabangela ukuthi ingabe udinga ngokuvamile elinye loan. Uma impendulo inguyebo, khona-ke bachitha okungenani isigamu sehora ukufunda zonke iziphakamiso bese ukhetha omunye ukuthi uzokunika izinzuzo eziningi. Kubalulekile ukuthatha ku imininingwane ye-akhawunti ezifana zaminyaka yonke, ezethula zenzalo, izinkokhelo sekwephuzile, umkhawulo wesikweletu, kanye nanoma yimiphi eminye imibandela ukuze ekamu ukuqeqeshwa kumephu.

Khumbula, zisekela amakhadi esikweletu eziningi, ngeke nje ngokungadingekile ukwandisa base-credit, kodwa angase abe nomthelela omubi kuma-akhawunti wakho ekhokhwa.

2. Zama ukugcina izikweletu ekhadini lakho lesikweletu at 0% nje unga

Uma usebenzisa ikhadi lokuthenga ngesikweleti, kufanele wazi ukuthi ibhange lakho kukunika izinsukwana lapho ungenayo akhokhe inzalo. Uma okucima ngaso yonke izikweletu ngalesi sikhathi, ngeke kudingeke ukuba ukhokhe inzalo for ukusetshenziswa umkhawulo wesikweletu, futhi ngesikhathi esifanayo ukwazi ukuthola imali yabo emuva ezinsukwini ezimbalwa.

Nokho, lokhu kungenzeka kuphela uma ukhokha ngokuphelele sikweletu. Zinike ukukhokhelwa sekwephuzile inyanga eyodwa nje uzobona ngokushesha kangakanani uzoqala ezicela izinkokhelo okusezingeni eliphezulu isithakazelo.

3. Gwema izinkokhelo ubuncane

Omunye amaphutha ezimbi kakhulu eziholela nezindaba credit card, ubambe kuphela inkokhelo encane ngenyanga. Uma uchithe u- $ 2000 futhi ngaphansi imigomo yenkontileka kufanele ukhokhe 2% izimali esetshenziswa ke inkokhelo esincane kulokhu kuyoba ulingana $ 40. Banikezwe isithakazelo yonyaka futhi nyangazonke, ibhange ehoxa akhawunti yakho ethile umkhawulo wesikweletu. Lokhu kusho ukuthi imali ukuthi wenze njalo ngenyanga, ziyancipha kakhulu. Uma siya emuva isibonelo sethu, ngokoqobo akhawunti yakho uzothola kuphela $ 8, esikhundleni 40. Uma sinamathela lo mkhuba, kodwa eminyakeni engamashumi amathathu ezayo, kufanele ukhokhele labo $ 2000 ukuthi wathatha ekuqaleni, kodwa i ngokweqile ezifana kunjalo kuyoba cishe $ 7,000.

Okuthusayo, akunjalo? Yingakho kubaluleke kakhulu ukuba ukuhlela isimiso sakho futhi akusuki ke uma wenza izinkokhelo ku loan.

4. Ungalokothi uvumele isikweletu

Omunye wemithetho eyinhloko ukusetshenziswa ezihlakaniphile wesikweletu - sekuyisikhathi ukwenza izinkokhelo. Nakuba abantu abaningi bakholelwa ukuthi ngeke sikwenze, abaningi nje ekhohlwa yiso.

Sekwephuzile inkokhelo yakho izinsuku ezimbalwa kungase kubonakale kuyinto encane indaba kuwe, kodwa inkampani credit card ngeke sikukhokhise inhlawulo ngokushesha kakhulu iphutha elinjalo, ngisho ukwandisa inani lenzalo, ikakhulukazi uma akusiyo okokuqala.

Uma une amakhadi esikweletu eziningi, futhi ukuthola kunzima ukukhumbula usuku lokugcina lokukhokha ngamunye wabo, kunengqondo ukubeka isikhumbuzi efonini yakho, ukuze siqiniseke ngokuphelele ukuthi ucabanga ngazo.

5. Phinda uhlole isitatimende sakho

ukuthengiselana eyiphutha - akuyona nesenzakalo enjalo ezingavamile ikhadi lesikweletu. Kwesinye isikhathi futhi ukuthengwa efanayo kungenziwa ukhokhelwe double ikhadi lakho, kodwa awusoze lokwazi ukuthi niyaphola, uma bona uhlole.

Ngaphezu kwalokho, uma usebenzisa ikhadi lakho okuvela izinkokhelo, ikakhulukazi leyo abazenzi ngosizo lwe-inthanethi, ungakwazi masinyane akhohlwe ukuthi njalo ngenyanga ngamacala yekhadi lakho lesikweletu ekhokhwa.

Ihlola zonke izindleko ngenyanga ku-credit card yakho, ngeke ukwazi kuphela ukuphatha, kodwa futhi ngokushesha ukukhomba amaphutha kanye nezinkokhelo oyiphutha wokuthi kungenzeka singezwe.

6. Ngokushesha wazise ebhange uma ikhadi elahlekile noma senziwa yokukhokha yokuphambuka

Uma kwenzeka ulahlekelwa credit card yakho, noma umyalezo wakhe wawenziwa esingaziwa ushiya, wazi ukuthi udinga ngokushesha shayela inkampani credit card kanye ukuvimba akhawunti.

Lapho-credit card yakho luwele ezandleni ezingalungile, credit oyisebenzele kanzima ekuthengeni ingasetshenziswa imizuzu embalwa nje. Nakuba ngokungangabazeki uyobe ugxekwa bakwazi ukufakazela ukuthi izigebengu ikhadi lakho baye sasebenzisa, kuyoba inqubo ziningi futhi zaba nzima, okuyinto ungakwazi ukugwema.

7. Ungalokothi ukuhoxisa ukheshi nge-credit card yakho

Ngisho noma i-credit card yakho ayinayo ingxenye enkulu uzobe washaqeka lapho uthola ukuthi ibhange lakho uyala imali ukhipha imali. Okokuqala, kamuva kuyodingeka bakhokhe kusuka 2 kuya ku-4% semali wena wasuka. Okwesibili, futhi zakhipha yokukhokha ngokushesha, okuyinto ngokwesilinganiso 5% inani cash. Endabeni ka ukubambezeleka uzodinga ukukhokhela lokuthenga ngesikweletu futhi inzalo eliphakeme kakhulu kunangesikhathi wena ukhokhele ukuthengwa ngqo nge-credit card. Ngaphezu kwalokho, ungatholi i grace period kwenzalo.

8. Ungayisebenzisi ikhadi kuphela ukuze uthole amaphuzu

amamayela Mahhala e yendiza, ukuqasha imoto noma inkokhelo kunoma izitolo eziningi - konke lokhu kungase kuzwakale ngempela ezilingayo futhi ibenze ukuba akhokhe nge-credit card. Ucabanga lena ngenye yezindlela ukuthola ibhange lakho ukukhokhela wena, akunjalo? Kodwa wena okungalungile!

Iqiniso lokuthi inzuzo njalo ohlangothini inkampani credit card. Bayazi ukuthi kufanele uchithe isamba esikhulu semali ukuze uthole amaphuzu ethenjisiwe, okungase kusetshenziswe esikhundleni imali. Ziyazi nokuthi uzoba uyazibuza ukuthi isetshenziselwe ukukhokha off the loan ngaphambi kokuphelelwa entshisakalweni khulula bayokhululwa.

Lapho ibhange athole ithuba lokuziphendulela ezicela isithakazelo, masinyane enza, futhi kulezi izinkokhelo kuyoba kakhulu kunangendlela yibo uthola njengoba umvuzo othenjisiwe. Ngakho, esikhundleni inzuzo elindelekile uzothola izindleko ezengeziwe zezimali.

9. Baxoxisane futhi ukuxoxisana inkampani yekhadi lakho lesikweletu

Uke waba ikhasimende ezinhle ibhange lakho eminyakeni? Ingabe bonke loans zakho abuyiselwe? Uma yebo, khona-ke kufanele umvuzo ngosizo aphansi zenzalo. Okufanele ukwenze nje ukucela ke. Shayela i-hotline yesevisi yebhange lakho ukutshela umphathi ngesifiso sakhe.

Ngemva kokuthi uxhume, cela ukuba aphinde acabange lenzalo yakho kwi loan, esishoyo ukuthi ebafanele, ngoba wena iklayenti ephelele. Uzoba kukumangaze ukwazi ukuthi izinqumo ezinjalo ngokuvamile kwenziwa esivuna iklayenti, kodwa ibhange akuvamile uwubonisa ngokusuka kuzo.

10. Sicela uxhumane nebhange lakho kusengaphambili uma kukhona izinkinga mayelana nenkokhelo

Uma une nesimo esinzima zezimali, futhi, kungcono ushayele yena wayengazi ukuthi wenze izinkokhelo kumephu ezinyangeni ezimbalwa ezizayo ebhange futhi ubatshele ngezinkinga vozniknuvshey.

Cishe, uzobe inikelwe enye buyiselo uhlelo. Ngaphezu kwalokho, uthola umugqa enetjhuguluko ukwenza izinkokhelo, uzophinde kuncishiswe amathuba okuthi kokuba umlando credit ezimbi zemephu yakho, okuyinto nakanjani yenzeke uma uphuthelwe lokukhokha noma yisikhathi.