Kutheni le thuluzi lezemali lingumqolo wamashishini
Ngezantsi zingezona zizathu eziphezulu ezi-8 zokufumana ikhadi elincinci lekhadi lesikweletu.
Ukuzonwabisa
Into efanelekileyo malunga nekhadi lesikweletu kukuba uyakwazi ukufikelela kalula kwiimali kungakhathaliseki ukuba ungaphi. Umnini-shishini akayi kudingeka ukuba athathe iincwadi zokujonga okanye imali eninzi ngenxa yokuba kulula kwaye kulula ukurhoxisa imali okanye ukuthengwa kwe-inthanethi.
Khuselo lweMali
Ngamanye amaxesha ishishini linokufumana amaxesha xa kuthengiswa okuphantsi kwaye ishishini libophelelwe imali. Ukuba umnini-shishini unekhadi lekhredithi yoshishino , uya kukwazi ukufikelela kwiimali zokuqhuba ishishini kwaye oku kungenza njengento yokutya yesikhashana yoshishino. Amakhadi ekhredithi yamashishini anika amandla amakhulu okusebenzisa imali kwaye ikuvumela ukuba usebenze ibhizinisi lakho lingaphazamiseki ngethuba loqoqosho olukhuni.
Ulungelelwaniso olunzulu lweMali
Nabani na umntu osomashishini oye wazama ukufaka isicelo semboleko ebhankini ngaphandle kokubambisa angakuxelela ukuba kunzima kangakanani xa ungenayo idumela elifanelekileyo lekhredithi.
Amakhadi enkoleko angaba yindlela engcono kubanini boshishino ngokuthelekiswa nabathengi bendabuko, abafunanga ukuba banikezele ngemboleko ngaphambi kokuba banike ikhredithi. Unokukwazi ukufumana imali ngokufanelekileyo nangona ungenayo imbali yesikweletu esinamandla. Le yenye yezona zizathu ezilungileyo kakhulu zokuba kutheni ufuna ukufumana ikharityhulam encinci yekhredithi ye shishini lakho.
Iyakusiza iindleko zoLuntu kunye neNkcitho
Kubaluleke kakhulu ukulawula iindleko zomntu kunye nezoshishino ukwenzela ukuba ube nembono ocacileyo malunga nendlela ushishino olusebenza ngayo. Oku akukona nje ukuqhelana nezobugcisa, kubaluleke kakhulu kwizizathu zerhafu nezizathu zokuphendula. Ibhizinisi kufuneka liqhubeke ngokuqhubekayo ingxelo kunye neengxelo zezemali ngokukhawuleza ukuba kuya kukhula kunye nakwiimeko zokuphicothwa.
Iindlela zokuBala iMboleko
Ingaba ufuna nje ukuqala ukwakha idumela elifanelekileyo lekhredithi okanye ufuna ukulungisa umlando wekredithi eyonakalisiweyo, amakhadi ekweretheni yoshishino uyakukunceda wenze oku. Amakhadi ekhredithi yamashishini ahlukeneyo kumakhadi e-credit card kunye namanqanaba omdla oya kufumana kwiimali ziya kuxhomekeka kwindlela oyibolekisiweyo ngayo ngokusekelwe kwimbali yakho yekhredithi. Ukuba wenze izicelo zokubolekisa imali kwaye uyazihlawula ngokuqhubekayo ngaphandle kokungafezeki, uya kwakha inzuzo efanelekileyo yengxowa-mali. Uya kukwazi ukufikelela kwiimali zenzalo ephantsi xa ufaka isicelo semali-mboleko emikhulu kwixesha elizayo.
Umshuwalense kunye noKhuseleko lokuThengwa
Ukufaka isicelo ngekhadi lesikweledu leshishini eliqinisekisayo linikeza ukhuseleko lokuthengwa kwamahhala ngexesha elithile. Oku kuthetha ukuba uya kuhlawulwa xa kuthengwa into oyithengileyo okanye ilahleka ngexesha elichaziweyo.
Ngoxa lo khuselo kunye nemibhonkco engekho phezulu, kusakhusela wena kunye nebhizinisi lakho ngokukhwabanisa ekuthengeni.
Jabulela iibhonasi kunye neeRipoti
Xa ufumana ikhadi elincinci lokuthenga ngetyala, unokufumana ujonge kwiibhonasi kunye nezaphulelo xa uthengi. Oku kuya kuthi, kuxhomekeke kuhlobo lwekhadi lekhredithi yamashishini oyikhethayo . Kukho ezininzi iintlobo zamakhadi eemboleko ezikhoyo kodwa kufuneka uqiniseke ukuba ufumana enye ifanelekileyo kwishishini lakho kunye nelinye elinokukugcina imali engaphezulu kwixesha elide.
Kungaba Yiyo kuphela Indlela Yokuhlawula
Amanye amashishini aphephekanga kwaye ayamkela kuphela amakhadi ekredithi ngokuhlawulwa. Ukuba nekhadi lokuthenga ngetyala liya kukuvumela ukuba uthenge okanye ufumane iinkonzo ezivela kumashishini afumanekile ukuba unayo ikhadi lekhredithi.