Ukucacisa ukubonelelwa kwangempela kwikhadi lakho lekhredithi
Enye yeembono ezingalunganga abaninzi abahambahambayo behla endleleni kunye nembono yokuba bahamba ne-inshorensi yokuhamba, ngenxa yamakhadi abo ekwereta. Kodwa inqanaba lokubhengezwa ngabahambi abacinga ukuba banalo, ngokubhekisele kwinqanaba lokubambisa ababenalo linokuba nezinto ezimbini ezahlukeneyo.
Nangona ukubhalwa kwekhadi lekhredithi kungaba lukhulu (ngokukodwa kwimeko yemoto yokuqashisa ), kungenakho ukukhuselwa ngokupheleleyo kwizinto ezinokungahambi kakuhle.
Nazi ezinye izikhalazo ezifihlekileyo ukuba i-inshorensi yokuhamba ngekhadi lakho lekhredithi ayinakufihla xa usendleleni.
Indlela yokuhlawula ikhetha iNqanaba leNkcazo yeNtshumo
Amakhadi amaninzi amatyala aya kunika " inkcazo " yokuhamba nge-inshorensi yokuhamba njengengxenye yesivumelwano sakho somnini-makhadi, okuvumela ukuba ugxininise kwisicwangciso sakho sokuhamba. Ngoxwebhu olulungileyo, nangona kunjalo, ngenye yezinto ezisemgangathweni zomgaqo-nkqubo wokuhamba ngekhadi lakho lekredithi: kufuneka uhlawule ukuhamba kwakho kunye nekhadi lakho lesikweletu.
Ingakanani uhlawula ngayo ngekhadi lakho ngaphambi kokuba uhambo lukhawule ngokuxhomekeke kumnikezeli wakho wokuhamba. Kwabanye, ukuhlawula nje uninzi lweendlela zakho zokuhamba kwikhadi lakho kuya kukufumana ilungelo lokufumana iinshurensi zokuhamba. Kweminye amakhadi, kuya kufuneka uhlawule inani elipheleleyo lehambo lakho kwikhadi le-credit card phambi kokuba inzuzo ye-inshurensi yokuhamba iyakwandiswa. Qinisekisa ukuba uyaqonda ukuba luhamba kangakanani uhambo lwakho ekufuneka ulihlawule ngalo ekhadini lakho ukuze ukwazi ukufumana inzuzo ye-inshorensi yokuhamba.
Inqaku elongezelelweyo malunga neendlela zokuhlawula kunye ne-inshurensi yokuhamba: ukuba uhlawula uhambo lwakho kunye namanqaku okanye iikhilomitha ezithatha kwikhadi lesikweletu, nayiphi na i-inshurensi yokuhamba ayinakwandisa ukufihla loo maphupha kunye neekhilomitha. Qiniseka ukuba uqhagamshelane nemigaqo-nkqubo yekhadi lesikredenti ukuze ubone indlela amaphupha kunye neekhilomitha eziphathwa ngayo xa kuziwa kwi-inshurensi yokuhamba.
Vs Primary I-inshurensi yokuhamba
Enye yeyona mibuzo ebalulekileyo ekufuneka uyibuze nge-inshurensi yokuhamba ngekhadi lakho lekhredithi kukuba ngaba ukuhamba kwakho kwinqanaba eliphambili okanye lekondari. Ukwazi le ngqununu yolwazi kunokukunceda ukuba ufumane indlela yokufaka ibango ngexesha okanye emva kohambo lwakho.
Kwiimeko ezininzi, ukukhutshwa kwakho okuphambili kuya kuba yimigaqo-inshorensi osuyenayo kubantu bakho kunye nepropati-kuquka i-inshurensi yakho, i-inshurensi yasekhaya, okanye i-insularensi nkqubo. Ukufihla kwesekondari (okanye ukuxhaswa kwee-supplemental) kusebenza kuphela xa ukhuseleko lwakho oluphambili luphelile. Emva kokuba ibango lihlaziywa yiphathi-sithintelo sokuqala kunye nesigqibo esenziwe, ukukhutshwa kwesekondari kungabandakanya oko kushiywe. Nangona kunjalo, ukufihla okwesibini kubakho amaxesha amaninzi ezayo kunye nesethi yemigaqo ekufuneka idibeneyo ukuze isebenze.
Ngaphambi kokuba uhlale kunye nenqubomgomo yomshuwalense wokuhamba ngekhadi lokuthenga ngesikweletu, qiniseka ukuba uyaqonda ukuba ngaba yiprayimari okanye eyesibili. Ukuba ngaba ngumgaqo-nkqubo wesibini kuphela, ngoko unokufuna ukucinga ngokungongeza inkcitho yomshuwalense oyimfuneko yohambo lwakho.
NgamaBango okanye kwiNgxelo yeNkcazo yoThutho
Enye yeengcinga ezibalulekileyo abahambahambayo kunye ne-inshurensi yokuhamba ngekhadi yesikweletu kukuba iyakwazi ukujongana neemeko ezininzi eziqhelekileyo, kungakhathaliseki ukuba inani lamabango ofuna ukuyifaka.
Ngokuxhomekeke kwenkxaso yakho, unokunyanzeliswa ukuba uhlawule ngalinye ibango ngalinye, kunye nawo onke amabango akho njengesiganeko sokuhamba.
Ngaphambi kokuba uhambe uhambo lwakho, kubalulekile ukwazi ukuba i-inshorensi yakho yokuhamba ngekhadi yesikweletu isekelwe kwibango ngalinye, okanye ngomcimbi. Ukuba umgaqo-nkqubo wakho wokuhamba ngenye ibango, ngoko unyanzelekile ukuba uhlawule nayiphi na imfuneko (njengamanani athathekayo) kuwo onke amabango owenzayo. Kodwa ukuba i-inshorensi yakho isekelwe kwisiganeko ngasinye, isiganeko sakho sokuhamba siya kubhekiswa njengesiganeko esisigqibeleleyo, oku kuthetha ukuba uza kuhlawulelwa enye okanye inkokhelo engaphezulu. Ngoko ke, ukuba unokuba neentlawulo ezininzi (ezifana nokulahlekelwa kwempahla kunye nokuhamba kwexesha lokuhamba ngexesha elifanayo) kunye nesicwangciso se-inshurensi yokuhamba esithatha ibango ngasinye kwisiganeko, uya kuhlawula ixabiso elilodwa elichithwe kuwo onke amabango akho. Nangona kunjalo, ukuba i-inshorensi yakho isekelwe kwibango ngalinye, unokuba noxanduva lweentlawulo ezingaphezulu kwebango ngalinye.
Ngoxa i-inshurensi yokuhamba eyongezwa ngumniki-khadi wakho wekhredithi inhle, kungenzeka ukuba ayikudibanise ngokupheleleyo njengoko ucinga. Ngokuqonda indlela osebenza ngayo iinshurensi yakho yokuhamba, unokuqiniseka ukuba ufumana ukufumana ingcaciso emnandi kwimisebenzi yakho, kungakhathaliseki ukuba uya kuphi.