Njengoko credit cards iphenjelelwa nguwe, okanye kutheni ukwenyuka kwetyala

On amakhadi abo ngemali ayikwazi kubizwa ngokuba embi. Inxenye ke kubo kungenzeka zimbi ngaphezu kwabanye, kodwa ngxaki inkulu indlela esisebenzisa ngayo. Kwaye kwenzeka ukuba imikhwa imali abantu abaninzi kuchaphazeleke kakubi ikhadi lamatyala. Kweli nqaku sijonga ezinye zezizathu zokuba credit cards kwandisa inani izigqibo ezimbi zemali. Kwakhona ngqo ikulawule wena wenze ukwandisa ityala.

1. amakhadi Credit ziluncedo kakhulu

Uphando lwakutshanje lubonise ukuba lula yinto ebalulekileyo. Ukuba umntu usebenzisa imali, yenza kakhulu ukuthenga ngaphantsi ezingenamsebenzi. Kodwa ke ukusetyenziswa kwekhadi lekhredithi uba yalula, ekubeni akuyiboni imali yokwenene kwaye bathuthunjiswe umbuzo ukuba unako ukuhlawula. Wena nje azibalwa imali ngaphambi kokuba uthenge.

2. akuvumela ukwanelisa ngokukhawuleza yonke iminqweno

Advantage, okanye kunoko, ukunqongophala credit card ukuba ungenza ngokukhawuleza ukusebenzisa imali ku tirhisa akufanele. Ukuba umntu ufuna ukuthenga ukutya okanye iziyobisi, ikhadi lamatyala uba iadvanteji. Kodwa kukho kuyinto embi kakhulu. Oku kwenza kube lula kwindawo yokuqala kuluhlu ephambili ukuhambisa ukuzanelisa kwangoko khohlwa acinga nokucwangcisa ixesha elide. Umzekelo imbi le yokuziphatha ngabantu abasebenzisa i ikhadi lamatyala sihlale ngokonwaba kangangeenyanga eziliqela, yaye ke ubomi bam bonke ukuba babuyele amatyala. Ngethamsanqa, Kwiimeko ezinjalo zinqabile kakhulu, yaye inkoliso yabantu ukulawula ukumisa siyanibongoza ukuba ndichithe nebhola kwamsinyane.

3. amakhadi Credit ukuba umgaqo-nkqubo ezingenangqondo ukubiza inzala

Xa sicinga ngepesenti, njengoko umthetho, sikhumbula ngonyaka, kuba kunjalo ke mboleko eqhelekileyo ukusuka ebhankini. Kodwa ikhadi lamatyala ezibiza ezahlukeneyo kwiskim eqhelekileyo. Endaweni yayo yonke efunekayo abazenzayo, kuya kufuneka ukuba uhlawule umyinge wenzala ukuba mkhulu ngaphezu avareji yemveli-20%. Kodwa ke akusoloko kusenzeka ukuba isaziso xa uqala, ekubeni inzala ibalwa ngenyanga kunokuba ngonyaka. Mhlawumbi 2% ngenyanga nganye wena musa lingakhangeleka liphezulu kakhulu ngexabiso ukuba kusetyenziswe ikhadi lamatyala. Kakade ke, oku kuxhomekeke ibhanki onikele ikhadi lakho. Ngaphezu koko, inkoliso yabo ukunika izohlwayo kakhulu ukuba anithanga uhlawule ityala ngexesha.

4. amakhadi Credit engakuvumeliyo ukuba uchithe ngaphezu uyamkelayo

Ukufumana imali-mboleko ebhankini - yinkqubo buhlungu. Akuyomfuneko mfuneko nje ukuba kuthiwe isizathu esihle ngenxa yoku, kodwa ukuze alungiselele eninzi lwamaxwebhu. Ngokwahlukileyo koko, credit cards engakuvumeliyo ukuba uchithe imali ngaphandle kwesizathu. Oku kungakhokelela ekubeni yokuba uqala ukuthenga impahla (kuba nje ngokungathi), xa ngokwenyani ayinayo imali oku.

5. ikhadi lamatyala ukugcina umkhondo iindleko kakhulu yingxaki

Mhlawumbi uya kuthi ngenye indlela. Ukuba akukho wonqena kakhulu ukuba ukulandelela iindleko zakho yonke imihla nge-Internet, kodwa oku nyani into enzima. Kodwa ingxaki kukuba akukho lula ukuyenza. Xa usebenzisa imali, kufuneka kuqala ukuze ususe ukuba bachithe. Ngenxa yoko, isixa semali olichithe kubhaliwe kwaye ungasoloko bathini apho inkcitho kunye nawe kule nyanga. Kodwa ke imali athathwe ikhadi lamatyala ezingabhaliweyo ngendlela efanayo. Nokuba uhamba zonke iindleko, bekuya kuba nzima ukuba bathi, oye wachitha umvuzo yokugqibela yakho okanye hayi.

Ukuthintela abaxhasi yimali nokuqinisekisa ukubuyiselwa imali-mboleko, iibhanki abaninzi imigaqo engqongqo mida yamatyala. Kodwa ke, ngelishwa, injongo credit cards ukwenza ubomi bethu ukhululeke ngakumbi, kodwa isibakala sokuba abanini iibhanki bakwazi ukufumana imali. Ngoko ke akunakwenzeka ukuba iibhanki uya kuthatha amanyathelo ezinye ukukunceda ukulawula ngakumbi phezu inkcitho yemihla ngemihla. Ngenxa yoko, kuphela ngokuthatha uxanduva, uya kuba nako ukutshintsha into.