Amakhadi etyala avuza ingqalelo. Abantu abafumana okuninzi kuwo ayisiyiyo abo banemida emikhulu okanye iinkqubo zemivuzo ezikhawulezayo. Ngabo banika ingqalelo kwimikhwa emincinci, engananzwa lula eqhubeka ngokuzolileyo kwiinyanga neminyaka. Le mikhwa ayifuni iispredishithi okanye ubuchule bezemali. Ifuna ulwazi, kunye nokuzimisela ukuqaphela oko uninzi lwabanini bamakhadi badlulayo.
Funda Ingxelo Ngaphambi kokuba Uyihlawule
Phantse wonke umntu uhlawula ityala lakhe lekhadi letyala. Bambalwa kakhulu abafunda ingxelo kuqala. Oku kuvakala ngathi yinto encinci, kodwa kutshintsha yonke into. Ukufunda ingxelo umgca ngomgca kunyanzela ukujongana kancinci nenyani. Ubona ubhaliso olibele ukulurhoxisa. Ubona intlawulo ephindwe kabini evela kwindawo yokutyela. Ubona ukuthengwa okuncinci kwemihla ngemihla, ngokukodwa, okubonakala kungenabungozi, kodwa kunye kubonakalisa isabelo esibalulekileyo setyala.
Umthetho oluncedo kukuba ungaze uhlawule ingxelo ongakhange uyifunde. Nemizuzu emihlanu yanele. Awuhlolisisi ibhanki. Uhlaziya ulwazi lwakho lokuba imali iya phi xa uyeka ukubukela.
Hlawula ngaphezu kwesihlandlo esinye ngenyanga
Uninzi lwabantu luhlawula ikhadi labo kube kanye ngemijikelo, ngomhla wokugqibela okanye kufutshane nalo. Oku kuyasebenza, kodwa kushiya indawo engabonakaliyo. Uninzi lwenyanga, ibhalansi yakho exeliweyo ihlala kwinto ebeyiyiyo xa ingxelo ivaliwe, kwaye loo mfanekiso yinto ebonwa zii-credit bureau. Ukuba udla ngokuhlawulisa imali eninzi ngaphambi komhla wengxelo, ukusetyenziswa kwakho okuxeliweyo kubonakala kuphezulu kunokuba kufuneka.
Ukwenza intlawulo encinci phakathi komjikelo, nokuba incinci, kuyayilungisa le nto. Kukwadala indawo yokujonga ingqondo eluncedo. Uphinda ujonge ibhalansi, ubona inani elihamba kwicala olifunayo, kwaye uhlala unomdla kwikhadi endaweni yokulivumela ukuba lisebenze ngokuzenzekelayo de kufike ingxelo elandelayo.
Yazi ixabiso lokwenyani leempawu zoBuchule
Amakhadi etyala anika uluhlu olude lweempawu zokunceda: imali ebolekiweyo, ukudluliselwa kwemali eseleyo, izicwangciso zokuhlawula ngentlawulo xa uthenga izinto ezinkulu, kunye neendlela ezahlukeneyo zokuhlawula imali ezibonakala zinobuhlobo de ufunde umbhalo omncinci. Ngayinye kwezi inesakhiwo esithile seendleko, kwaye uninzi lwazo lubiza kakhulu kune-APR yokuthenga eqhelekileyo.
Oku akuchasani nokusetyenziswa kwazo. Ngamanye amaxesha zizixhobo ezifanelekileyo. Ingongoma kukuba ixabiso kufuneka libe lukhetho olucwangcisiweyo, kungabi yinto engaqhelekanga. Ngaphambi kokuba usebenzise naluphi na uphawu ongazange ulusebenzise ngaphambili, khangela imiqathango yalo ethile kwisivumelwano sakho somnini wekhadi. Imizuzu emibini ethathayo inokonga iiveki zenzala edibeneyo.
Xa umbuzo usiba banzi kunekhadi lakho elinye, kufanelekile ukuphonononga iinkonzo ezizodwa ekuncedeni abanini bekhadi ukuba bafikelele kwimali ngokufanelekileyo. Abanye abantu basebenzisa inkonzo yaseKorea ebizwa ngokuba yi 카드깡 드림기프트 bacinge ngeendlela abanokukhetha kuzo ngaphambi kokuba bazibophelele kwindlela ethile. Inzuzo ayikokukhonza ngqo. Ngumkhwa wokuma kancinci ukuze uthelekise, endaweni yokwamkela ukhetho lokuqala oluphambi kwakho.
Tshatisa ikhadi nentengiselwano
Abanini bamakhadi abaphethe amakhadi angaphezu kwelinye badla ngokungasebenzisi ikhadi elinye kuyo yonke into. Oku kulula kodwa akusebenzanga. Amakhadi ahlukeneyo anamandla ahlukeneyo: imali ebuyayo kwivenkile yokutya, amanqaku ohambo, iikhredithi zengxelo xa usasaza, ukhuseleko lwentlawulo xa uthenga kwamanye amazwe. Imivuzo yimali yokwenyani, kodwa kuphela ukuba ikhadi elifanelekileyo lihlangabezana nentengiselwano efanelekileyo.
Ukuziqhelanisa okulula kuyanceda. Kanye kwikota, bhala phantsi ukuba leliphi ikhadi elihlawula kakhulu kudidi luni. Gcina inqaku kwindawo oza kulibona ngaphambi kokuba uhlawule, kungekhona emva koko. Ngaphezulu konyaka, umahluko phakathi kokusebenzisa ikhadi elinye ngokungagqibekanga kunye nokudibanisa ikhadi ngalinye namandla alo unokuba nentsingiselo, ngakumbi ukuba uhamba, utya ngaphandle, okanye uneendleko zasekhaya eziphindaphindayo.
Phatha Ukunyuka Kwemida Njengesixhobo, Kungengomvuzo
Xa umntu okhupha ikhadi ekunika ukonyuswa komda, ingqondo yakhe kukuba uyamkele loo nto njengophawu lokuzithemba uze uyilibale. Indlela ekrelekrele kukuqwalasela oko kutshintsha umda omtsha. Umda ophezulu uphucula umlinganiselo wokusetyenziswa kwakho ukuba uqhubeka nokusebenzisa imali ngendlela ezinzileyo, nto leyo enokuphucula kancinci amanqaku akho etyala. Kodwa ikwakhulisa umsantsa phakathi koko unokukuhlawulisa noko unokukubuyisela ngokukhululeka. Inani elifanayo elinceda amanqaku akho ephepheni linokulimaza imali yakho xa usebenza ukuba liyayikhulula ingqeqesho yakho.
Eyona ndlela ifanelekileyo kukwamkela ukonyuka, ukubhale phantsi, uze ungakunaki. Umda awulothagethi. Yinto ethintelayo. Yiphathe ngaloo ndlela, kwaye ikhadi lakho lihlala lisisixhobo. Yiphathe njengenyathelo elibalulekileyo, kwaye ikhadi liqala ukuqhuba ubudlelwane endaweni yakho.
Imikhwa emincinci, esetyenziswa rhoqo, yiyo eyahlula abanini bamakhadi abaziva belawula abo baziva belandelwa ziingxelo zabo. Akukho nanye kwezi ndlela ifuna ulwazi olukhethekileyo. Ifuna kuphela ukuzimisela ukunikel’ ingqalelo kwiinkcukacha ezimbalwa abantu abaninzi abazishiyayo xa bezenzela izinto ngokuzenzekelayo.
