Ukuba ukwenza izigqibo zemali ezintle kungenye yeenjongo zakho kulo nyaka, ukhetha umvuzo wekhadi lesikweletu kufuneka ube phezulu kwoluhlu lwakho. Kodwa ngeendlela ezininzi ezininzi apho, kunokumangalisa ukuba ukhethe okulungileyo kuwe.
Nazi imibuzo embalwa ukuze uqalise:
Uhlobo luni lwe-Spender?
Okokuqala, cwangcisa iipateni zakho zokuchitha. Yintoni enokuthi uya kuthenga kunye nomvuzo wakho wekhadi lesikweletu - ukuthengwa kwansuku zonke njengokuthengwa kunye negesi okanye izinto ezinkulu zetiketi ezifana neTV okanye ithebhulethi entsha?
Ukuba ungumkhululi we-spender kwaye uya kusebenzisa ikhadi lakho lokuthenga okukhulu, khangela amakhadi anemali yonyaka. Nangona uninzi lwethu luleka ngenye indlela xa sibona intlawulo yonyaka, ezi ntlobo zamakhadi ziyakuthanda abachitha imali enkulu, oku kuthetha ukuba uya kuzuza umvuzo (kunye nokunye) umvuzo.
Ukuba ukhangele ukwakha i-credit yakho, ngeentengo ezincinci, ukuthenga rhoqo njengenjongo yakho, khangela ikariti yomvuzo ekunika amaphuzu amanani kunye neebhonasi ngokusekelwe kwizinto eziqhelekileyo, eziphantsi kwexabiso elifana nefuthe okanye ukutya. Futhi ugweme amakhadi afuna ubuncinane ubuncinane ukuze ufumane imivuzo.
Ukuba uhamba ngefestile rhoqo, ungumgqatswa wokuqala umvuzo wekhadi lesikweletu. Ngaphambi kokukhangela kwiindidi ezahlukeneyo zokuhamba umvuzo wamakhadi-ngetyala, qiniseka ukuba ukhangele amakhadi anqumle iimali zentengiso yangaphandle kwaye ufuna ukuba usebenzise ipini (chip-kunye ne-PIN) kunokuba usayinwe ukuthengiselana, oku kuya kunceda qi niseka ukuba unako ukusebenzisa ikhadi lakho phesheya.
Uhlobo Luni Lemivuzo Ngaba Ufuna?
Emva kokuba uzimisele ukuba uluphi uhlobo lwekhadi elona lifanelekileyo lokusebenzisa imali yakho, isinyathelo esilandelayo kukuba ufumane uluhlobo luni lomvuzo onethemba lokufumana. Ziziphi iimvuzo ezibaluleke kakhulu kuwe?
Ukuba ufuna ukuzibophezela ekuzuzeni uze usebenzise imivuzo yakho kwindawo enye, khangela amakhadi omvuzo okuvumela ukuba udlulisele amaphuzu akho kwezinye iinkqubo zokunyaniseka, ezifana neMbuyekezo Yobulungu be-American Express okanye i-Chase Ultimate Rewards.
La makhadi akuvumela ukuba ufumane amaphupha ngekhadi lakho kwaye uwadlulisele kwinkqubo yokwethembeka yabalingani abahambahambayo kunye neentengiso kunye nokuguqula lawo maphuzu azuziweyo kwiindawo ezinyanisekileyo kunye nezinye iinkqubo. Kodwa ngoku kuguquguquka, kubalulekile ukuba uhlale uhlelekile kunye nazo zonke iinkqubo zakho ukuphepha ukunikezelwa okungakhoyo okanye imihla yokuphelelwa yisikhathi.
Ukuba uhamba nje ngeenqwelo zeenqwelo ezinxulumene neenqwelo okanye iindawo zokubhuka kunye nekhenketho ethile yehotele, khangela amakhadi anxulumene naloo mveliso, njenge-United MileagePlus Explorer okanye iCiti Hilton HHonors Reserve. La makhadi aza kukunceda ukuba ufumane umvuzo omkhulu wokuchitha yakho.
Yintoni kwiPrinta eliMnandi?
Ngoku ukuba uye wanciphisa ukhetho lwekhadi lakho lomvuzo ngokusekelwe kwenkcitho yakho kunye nokukhethwa komvuzo, zibuze le mibuzo ngaphambi kokuba ubhalise.
Yiyiphi ubuncinci omele uyichithe ukuze uzuze umvuzo ?: Mhlawumbi uye wabona iinkampani zekhadi lesikweletu zikukhohlise ngeibhonasi ezibhalwe ngokugqithiseleyo, kodwa amaxesha amaninzi amabhonasi afuna ibhalansi encinane ukuba uzuze. Qinisekisa ukuba uhlolisise ubuncinci kwaye uvavanye amathuba okuba ngaba uya kukwazi ukufumana loo mvuzo.
Ngaba kukho usuku lokuphela kweembuyekezo? Ezinye iimvuzo zamakhadi zidinga ukuba uchithe umvuzo wakho kwincinci nje ngomnyaka, ngelixa abanye bakuvumela ukuba usebenzise loo mivuzo xa nje ikhadi livulekile.
Qinisekisa ukuba umhla wokuphela komvuzo wekhadi lixesha elikusebenzelayo ngaphambi kokuba ungene ngemvume, kwaye emva kokukhetha ikhadi lakho, gcina iliso elifutshane kuloo mihla.
Ingaba kukho umgca wokukhulula okanye ikhusi? Amanye amakhadi adinga ukuba uqokelele inani elithile lamaphuzu ngaphambi kokuba ufumane ixabiso elipheleleyo, kwaye abanye bakuvumela ukuba ufumane umvuzo othile ngexesha elithile. Khangela le ngcaciso ngaphambi kokuba uvule ikhadi ukuze uqiniseke ukuba uninzi kangakanani umvuzo oza kufuneka ufumane, kwaye uyakwazi ukufumana kunye nokuchitha.
Ngomvuzo omncinci wamakhadi eentengo zemali, kubalulekile ukufumana ikhadi elona lilungelelanisa indlela yokuphila yakho. Ukuze usebenzise ngokugcwele umvuzo wemali, yayazi ukunyameka kwakho kwemali, ukuchonga ngqo uhlobo lunikelo olufunayo kwaye uhlale uqinisekile ukuba ufunde shi cilelwa.