Iingcebiso ezibalulekileyo omele wazi ngaphambi kokuba unqumle umvuzo wakho kwikhadi lesikweletu
Ngoko, wena nomvuzo wakho wekhadi lesikweledu uye wagqiba ekubeni uhambe iindlela zakho ezahlukeneyo. Iyenzeka. Ngokuqinisekileyo, ukhangele kakuhle indlela osebenzisa ngayo imali kunye nemivuzo oye waqokelela - ngaphambi kokuba ufike kwisigqibo sakho sokugqibela ukuba ikhadi lakho lokuvuza alisebenzelanga .
Ayikho isisombululo-esisisombululo-esisisombululo esisodwa: ikhefu elihle kakhulu elikhawulayo lihlala lisoloko liyakulingana nawe nendlela yakho yokuphila. Kodwa ngaphambi kokuba uphule i-scissors, zikhona ezimbalwa kwaye akufuneki ukuba wazi ukuba ukuqinisekisa ukuba ukhansela luhamba kakuhle kwaye awuyi kulahlekelwa nayiphi na imivuzo yakho eyimali.
Yintoni ongayenza ngaphambi kokuvala iMvuzo yemivuzo yeKhadi
1. Fumana iintlawulo zakho ukwenzela
Abaninzi bamakhredithi bamakhadi abathandwayo abathandi ishishini elingagqibekanga, ngoko baya kukufuna ukuba uhlawule nayiphi na imali eseleyo phambi kokuba uvale i-akhawunti yakho. Oko kuqukwa nayiphi na imali esalindileyo kodwa ukuba ibonakale kwisitatimende sakho.
Futhi ungakulibali malunga nayiphi na intlawulo ezenzekelayo ozibekayo kumvuzo wakho wekhadi lesikweletu. Qiniseka ukuba wenze amalungiselelo amatsha kunye neenkampani ukuze ungaphuthelwa nayiphi na intlawulo. Ungakwazi kwakhona ukudlulisela ibhalansi yakho kwenye ikhadi lekhredithi.
2. Funda okushicilelweyo
Phuma iziglasi zakho zokufunda uze uhambe ngokwemiqathango yesivumelwano sakho somnini-khadi. Ukuba uhlawule umrhumo wonyaka wekhadi lakho, kubalulekile ukujonga ukuba kwenzekani kwimali oyihlawuleyo xa kwenzeka ukukhanselwa ngaphambi konyaka.
Unokuba nelungelo lokufumana isaphulelo sakho nasiphi na isithuba esingasetshenziswanga, kwaye apho uhlala khona kumjikelezo wakho wokuhlawula kubalulekile.
Ukuba akukho nethuba lokufumana isaphulelo, unokufumana ixabiso elingakumbi ngokugcina ikhadi lonke unyaka. Ubuncinane uza kuzuza amanqaku ambalwa / iikhilomitha ngaphambi kokuba ukhansele.
3. Thetha kumkhupheli
Iikhampani zekhadi zekhredithi aziyikuvuyela ukulahlekelwa ngabathengi abathembekileyo, ngoko nangona sele usenze isigqibo sokuvala i-akhawunti yakho, bazise ukuba kutheni xa ubiza umnxeba.
Ukuba uvakalelwa kukuba umrhumo wonyaka uphakeme kakhulu, xelela, kwaye unokukwazi ukuwukhupha umnyaka ozayo, ngakumbi ukuba wenze imali eninzi kwikhadi lakho. Okanye, banokunikela ukuba baphonsa amamayela ambalwa ebhonasi yakho indlela yokugcina ibhizinisi lakho. Akukhathazi ukuzama ukuxoxisana - akukho nto yokulahleka - kodwa ungangeni kwifowuni elindele ukufumana inkuthazo yokuhlala. Akuhlali kwenzeka njalo.
Oko Akufanele Uyenze Ngaphambi kokuvala iMvuzo yemivuzo yeKhadi
1. Ungashiyi umvuzo kwitafile
Ngenhlanhla, kwiimeko ezininzi, xa ufumene amaphulo okanye iikhilomitha kwikhadi lakho lesikweletu, zingabakho ukugcina nokuba ukhansela ikhadi. Ukuba ikhadi lakho likufumana umvuzo nge-hotela okanye kwinkqubo ye-airline , ezo ngongoma / iikhilomitha zifakwe ngqo kwi-flier yakho okanye i-akhawunti yokuthembeka yehhotela kwaye ayikwazi ukubuyiswa. Sekunjalo, soloko ucela umnikezeli ukuba aqinisekise oko kwenzekayo kumaphuzu / iikhilomitha emva kokuba ikhadi likhanselwe.
Ukukhansela ikhadi lekhredithi eliqhutywa yibhanki okanye umniki wekhadi lokuthenga ngetyala kungaba nzima. Xa ukhansela amakhadi ukusuka kwi-Chase Ultimate Rewards, i-American Express Ubulungu bemivuzo kunye ne-Citi yoMbuleloNemivuzo, unokulahlekelwa yimbuyekezo. Indlela elula yokukhusela oku kukukhupha onke amanqaku akho phambi kokukhansela.
Ukuba oko akunakwenzeka, funda kwiimimiselo ezithile zomkhuphi.
Chase ikuvumela ukuba udlulisele amaphuzu akho kwenye i-Ultimate Rewards amaphupha-ukufumana ikhadi ngaphambi kokuvala i-akhawunti yakho. I-American Express ikunika iintsuku ezingama-30 ukususela kumhla wokukhansela ukukhupha amanqaku akho yoBungqina beBulungu Ukuba unomnye, ikhadi le-AmEx esebenzayo. I-Citi ThankYou kufuneka ikhutshwe zingakapheli iintsuku ezingama-60 zokukhansela, okanye yabelane nelinye ilungu kwisithuba seentsuku ezingama-90.
2. Musa ukusika kwaye usebenze
Ukuba uhamba phambili ngokuvala umvuzo wakho wekhadi lesikweletu, kuluvo oluhle ukuthetha nomnikezeli kungakhathaliseki. Ukusika ikhadi lakho liyingxenye ye-equation - ukuvala ikhadi lekhredithi kunokuchaphazela amanqaku akho kwi-FICO kuba enye yezinto eziqwalasele ngayo ubude bembali yakho yematyala. Shayela inani eli-1-800 elibhalwe ngasemva ukuze uxelele umkhupheli kwaye uqaphele ukuba ukukhanselwa kwe-akhawunti kweso sicelo sakho .
Ingongoma encinci, kodwa kungcono ukuba le nto ibhalwe kwi-credit report yakho.