Unokulahlekelwa ngamaphuzu abanjwe ngqo nomkhupheli wekhadi xa uvala i-akhawunti.
Emva konyaka okanye ezimbini zokuqoqa iililesi kunye neengongoma, unokulingwa ukuba uqale "ukukhangela" amakhadi-ngxowa-ukuvala nokuvula kwakhona ii-akhawunti ukufumana ibhonasi yesibini, yesithathu okanye yesine yokubhalisa emva kokudibana neemfuno zokuchitha ubuncinci. Ezinye iibhanki aziyi kukuvumela ukuba ufumane ibhonasi entsha kwiminyaka embalwa yokuvala i-akhawunti efanayo, ngelixa abanye bazimisele kakhulu ukunika amawaka amanqaku ngokutshintshana kwelinye ipempo ekukugcineni njengomthengi.
Ngandlela-thile, kuya kufuneka ukuba uvale i-akhawunti ngaphambi kokuvula entsha.
Asiyi kungena kwiintlanzi ze-churning, kodwa lo msebenzi ngokuqinisekileyo ufika kunye neengozi ezithile. Into ebalulekileyo yokuqwalasela kukuba ukuvala i-akhawunti yakho (nangona uceba ukuyivula kwakhona ixesha elifutshane emva koko) kunokubangela ukuba ulahlekelwe ngamaphuzu akho asebenze nzima, kuxhomekeke kuhlobo lwemali yembuyekezo oye wakwazi ukuyikhwela .
Ngokuqhelekileyo, iakhawunti ezitshintshisa iililesi ukuya kwiprogram yeflaya yexesha eliqhelekileyo elawulwa yinqwelo-moya okanye iakhawunti yeengongoma kunye ne-hotele ye-hotele (kwaye engekho ebhankini) ihluke ngokupheleleyo kwiakhawunti yakho yamakhadi ekwereti. Ngoko ukuba uvala ikhadi, iikhilomitha zakho kunye neenqwelo zomoya ziya kuhlala kule akhawunti ngonaphakade. Amanye amakhadi anokunyusa ixesha lakho lokuphelelwa ixesha lokuphela kwexesha elide njengoko ugcina iakhawunti yekhadi lesikweletu, ngoko ke into enokuyiqwalasela, kodwa ngokubanzi, ibhanki ayinakukuchaphazela iikhilomitha kwiakhawunti yakho yeflaya, ngoko ke loo nto ingeyakho ukugcina emva uvale ikhadi elihlangeneyo.
Amaphupha abanjwe ngqo nebhankini ibali ehluke ngokupheleleyo, nangona kunjalo. IiAkhawunti ngeeMali zoBungqina beBhodi ye-American Express, iMvuzo ephezulu ye-Chase ne-Citi's Thank you uhlala yipropati yeprogram yekhadi yekredithi. Xa uvala umgca wekhredithi odibene nomnye walezo zi-akhawunti ezivuyisayo, iingongoma zakho ziya kupheka, ucinga ukuba yilekhadi lekhredithi eliye ladibanisa ne-akhawunti efanayo.
Enye indlela yokukhusela ezo ngongoma ukuvula i-akhawunti entsha ehleliweyo ukufaka iipoti kwi-akhawunti yakho ekhoyo. Ukuba unayo ikhadi le-American Express Gold kunye nekhadi le-Everyday card elinikezelwe kwiakhawunti eyodwa yeeNkxaso zobulungu, umzekelo, unokuvala enye yamakhadi ngaphandle kwengozi yokulahlekelwa ngamaphuzu akho. Ukuba uvalela zombini imigca yekhredithi ngexesha elifanayo, nangona kunjalo, okanye ukuba unekhadi elilodwa elixhunyaniswe nelo Akhawunti Yemivuzo Yobulungu, uya kulahlekelwa ngamaphuzu akho aseleyo.
Into efanelekileyo ukuyenza kukuba ummeleli webhanki acacise ukuba ngaba uya kukwazi ukugcina amanqaku akho emva kokuba uvale ikhadi elihlangeneyo. Iipolisi zitshintsha rhoqo ngexesha kwaye ummeli wenkonzo yamakhasimende uya kufumana ulwazi olutshanje. Basenokukwazi ukuhambisa amanqaku ukusuka kwelinye i-akhawunti ukuya kwelinye, okanye benze iingcebiso malunga nendlela yokugcina ibhalansi yakho.
Ukuba kuyacaca ukuba uya kulahlekelwa ngamaphuzu akho kodwa usadinga ukuvala ikhadi, udlulisele amaphuzu akho kwiprojekthi yecalingani, njenge-airline okanye i-hotel chain. Ngokuqhelekileyo, kukulungele ukugcina amaphuzu akho kunye nekhadi lekhadi lokuthenga ngetyala ukwenzela ukwandisa ukuguquguquka, kodwa ukuba uzimisele ukuwalahleka, kufuneka ukwazi ukugcina enye yexabiso lawo ngokuwahambisa kwiqabane.
Uzakufuna ukugcina ikhadi lemivuzo evulekileyo kude kube ukugqitywa kokugqitywa, nangona kunjalo, ngoko ungekho ibhanki yakho ivale ikhadi lakho kude kube ngamaphuzu avela kwiakhawunti yeqabane.