Mhlawumbi woyika ukuqokelela amatyala amaninzi. Okanye, mhlawumbi uwela kwicandelo lekhadi elichasene nekhredithi othiya amandla okuhlawula inzala. Kungenzeka ukuba ikhadi lakho lokutsala liphambi kwesipaji sakho kwaye, ngokungagqibekanga, litshintshelwa kude kakhulu kunekhadi lakho lekhredithi.
Nokuba siyintoni na isizathu, ukuba uthembele kwikhadi lakho lebhanki lokuthenga-kwaye, ngenxa yoko, ulisebenzisa kakubi ikhadi lakho letyala-usenokuba uyazibuza ukuba ingaba liwachaphazela njani amanqaku akho etyala-ngakumbi ukuba uhlala kude nalo ukuze wonge imali eninzi yokwenza intlawulo esezantsi ekhayeni. Sacela iingcali zezezimali ukuba zichaze okwenzekayo xa ikhadi lakho letyala lingenzi nto, okanye lingasetyenziswa kwaphela. Nantsi into ekufuneka bayithethile:
Yintoni eyona nto inokwenzeka ukuba awusebenzisi ikhadi lakho letyala?
Kuqala, masikhuphe oku endleleni: Ukuba awusebenzisi ikhadi lakho letyala, kunokwenzeka ukuba umnikeli wekhadi alivale ikhadi ngenxa yokungasebenzi, ulumkisa uLauren Anastasio, nxulumana nomcwangcisi wezezimali I-SoFi , Inkampani yezemali.
Into enomdla kukuba, uninzi lweenkampani zamakhadi etyala azichazi ezazo Imigaqo-nkqubo yamakhadi engasebenziyo , ke kunzima ukwazi ukuba ungagcina ixesha elingakanani ikhadi lakho lingasebenzi ngaphambi kokuba licinywe. Iinyanga ezintandathu? Unyaka? Unokufuna ukucinezela umntu obolekayo kwesi sihloko.
Ukuba ikhadi lakho letyala liye lacinywa ngenxa yokungasebenzi, linokuchaphazela kakubi ityala lakho, njengoko imbali esekwe ngetyala yenza iipesenti ezili-15 zamanqaku akho. Njengewayini elungileyo, ikhredithi ibangcono ngokobudala: Iiakhawunti zobude zivulekile kwaye zide kangakanani ukusukela ukuba iiakhawunti zisetyenzisiwe kokubini kumanqaku akho, ngokwe NDINGU , imodeli yokufumana amanqaku esetyenziswa ngokubanzi.
Ngaba imeko imeko imbi kakhulu yokungasebenzisi ikhadi lokuthenga ngetyala? Umsebenzi wenkohliso wenzeka ekhadini lakho kwaye uyayihoya.
Nokuba awusebenzisi ikhadi lakho lokuthenga ngetyala, kufuneka uhlale ugcina ingxelo yakho yekhadi letyala ukuqinisekisa ukuba akukho buqhetseba benzekayo, utshilo uOliver Browne, umhlalutyi weshishini lokuthenga ngetyala kunye Ikhadi letyala ngaphakathi , uthelekiso lwekhadi letyala kunye nendawo yemfundo.
Idibeneyo: 8 UkuSombulula iithagethi kuThenga abahlali abancinci beNdlu ngokufunga
Ngaba ukusebenzisa kwakho ikhadi lekhadi kuphela kuchaphazela njani ityala lakho?
Ngokwenyani, ikhadi lakho lebhanki alikwenzeli lungelo xa kuziwa kulwakhiwo lwekhredithi. (Nangona ikhutshiwe, inkqubo entsha ye-UltraFICO inokukunceda ukuba uyivumele ukuba igcine iithebhu zendlela oziphatha ngayo iiakhawunti zakho zebhanki, kubandakanya neakhawunti yokutshekisha enxulunyaniswa nekhadi lakho ledebhithi).
Ikhadi lakho lokutsala linokuchaphazela amanqaku akho etyala ukuba ungaphaya kwemali oyibhatalayo, loo ntlawulo iya kwingqokelela, kwaye loo akhawunti yokuqokelelwa iya kuthi ke ixelwe kumaziko agcina ityala, utshilo uT Todd Christensen, umphathi wezemfundo Imali eyiyo , ukulawulwa kwetyala elingenzi nzuzo kunye nombhali we Imali yemihla ngemihla yabantu bemihla ngemihla .
Ukuba awusebenzisi iakhawunti yakho yokuthenga ngetyala ukuthenga okanye ukuhlawula amatyala, isaza kuvela kwingxelo yakho yekhredithi, ucacisa uAshley Dull, umcebisi ngetyala AmaCardRates , Isikhokelo sekhadi letyala.
Ukugcina ukubhatalwa kwangexesha yeyona nto unokuyenza kumanqaku akho etyala, ke ukuba awusebenzisi ikhadi lakho lokuthenga ngetyala, uphulukana namandla okubonisa ababolekisi ukuba ungalawula ngokufanelekileyo iintlawulo, utshilo uDull.
Kukho into enye yokungasebenzisi ikhadi lakho letyala rhoqo, nangona kunjalo, u-Adrian Nazari, u-CEO kunye nomseki wewebhusayithi yakho yezemali Ityala lesame.
Ukuba nebhalansi esezantsi okanye enguzilo kwikhadi letyala kunokuchaphazela ngokuqinisekileyo ityala lakho njengoko liza kunceda ukunciphisa umyinge wokusetyenziswa kwekhredithi, utshilo uNazari. Ukusetyenziswa kwekhredithi yenye yezona zinto zibalulekileyo kubalo lwamanqaku emboleko.
Kuyanceda ukukhumbula umthetho wama-30 xa kufikwa kumba wokusetyenziswa kwetyala: Yenza iipesenti ezingama-30 zakho Amanqaku eFICO kwaye kufuneka ugcine ibhalansi yekhadi lakho letyala phantsi kweepesenti ezingama-30.
Idibeneyo: Nantsi into onokuyifumana nge- $ 2,300 ngeNyanga (nangaphantsi) kwi-NYC ngoku
Ithetha ntoni i1212
Yeyiphi eyona ndlela inoxanduva yokusebenzisa ikhadi lakho letyala?
Nokuba uphethe ibhalansi ephantsi okanye awunayo, uNazari uthi, kubalulekile ukuba usebenzise ikhadi lakho letyala rhoqo emva kwexesha. Ungahlawula kwangoko ibhalansi ngokupheleleyo, utsho.
Oku kunokuba kukuthenga okuncinci okufana nokutya okanye igesi, utshilo uNazari. Zama ukwenza njalo kanye ngenyanga.
Ngale ndlela, uyakuthintela ukuvalwa kweakhawunti yakho ngenxa yokungasebenzi kwaye ubonakalise ukuba ungawabhatala amatyala akho.
Isicwangciso esiliqili sokwakha ikhredithi kunye nekhadi lakho letyala, nokuba ukhetha ikhadi lakho lokugcina imali ukugcina izinga lokusetyenziswa kwekhredithi liphantsi, kwaye uhlawule ibhalansi yekhadi lakho lokuthenga ngetyala ngokuzeleyo nangexesha ngenyanga, uBrowne ucebisa.
Yintoni esiya kuyo? Ikhadi lakho lokutsala linokuba yi-MVP kwisipaji sakho. Kodwa cinga ngekhadi lakho letyala elingasetyenziswanga njengomdlali ebhentshini, unomdla wokungena kumdlalo wokukora amanqaku (eentengo zemboleko) kwiqela.
Kwaye ngendlela: Ngaba uyazi ukuba yintoni amanqaku akho etyala? Unokufuna ukuphinda ujonge kuba lo mbhali Inqaku letyala lalinamanqaku angama-70 asezantsi kunokuba wayecinga- kwaye eyakho isenokuba njalo .
