Ingakumbi credit cards. Yintoni ukwelixesha loxolelo nendlela ukufunda ukuyisebenzisa kakuhle?

Inani amakhadi kunokwenzeka epokothweni abemi bethu kuthechu ukwanda njengoko imali yokubolekisa sele gqitha ngaphantsi athandwa kakhulu kunangaphambili. kubaboleki ezininzi ukuqinisekisa ukuba, nangona ziqinisekiso yeebhanki zentengiso, le mveliso mboleko imali eninzi kakhulu.

amakhadi Credit namhlanje ziye zithandwa kakhulu ngakumbi sixhobo, kodwa ke ngezezimali sesininzi baseRashiya nangoku kuhlala kuphantsi kakhulu. Nokuba i "ngeplastiki 'eqolo, abaninzi abazi ukuba ukwelixesha loxolelo kwaye ukuyisebenzisa kakuhle ngayo.

Iimpawu amakhadi ahlukeneyo

Ukuxuba ingqiqo ka "zeplastiki" kunye card "credit", abanye ukwahlula phakathi kwala maxesha zahlukile iimveliso zebhanki. Okwangoku, asinguye wonke "yeplastiki" i ikhadi lamatyala.

Eneneni, nayiphi na ikhadi sisixhobo nje ukungena kwi-akhawunti yebhanki. Kungakhathaliseki ukuba yintoni akhawunti uhlobo ikhadi inxulumene, uya kuchaphazeleka, iya kubalwa okanye ngetyala.

ikhadi debit (kuqikelelwa) nje ikuvumela ukuba okuhlawulela iimpahla ngaphakathi eseleyo imali yabo umniniyo. Credit Card kwakhona ivumela umnikazi wayo ukufumana ufikelelo nje kuphela imali lobuqu, kodwa-mboleko, apho ibhanki inika mboleki.

ingqiqo Grace-ithuba

Nayiphi na imali-mboleko inikezwa ngokusekelwe ngokungxamisekileyo kunye nentlawulo, ngoko ukusetyenziswa imali isoloko unokuhlawuliswa umdliwo zibalwe njengepesenti. Nciphisa okanye uphephe ngokupheleleyo ukuba usivumele iicredit cards kunye isithuba saphambi korhafelo.

Ukugqiba ukuba basebenzise eli khadi, ubolekayo ngalinye kufuneka ufunde imithetho ukulisebenzisa ndikhuphe ekwiqondo eliphezulu isixhobo-mali okhoyo. Iimpawu ze indlela ngenzuzo zichazwe mvumelwano zebhanki. Emva kokufunda amanqaku bakhe, ungenza uqonde into ubabalo-ixesha.

Enyanisweni, iluphawu ixesha elithile apho impatho engcono ngetyala, ezizezi: ungasebenzisa imali ebolekiweyo ngaphandle kwentlawulo okanye ukuhlawula kubo ngesaphulelo. Imeko ephambili apha abe Enyanisweni buyiselo lonke ityala phambi kokuphela eli thuba.

Izinto eziluncedo ezibolekisa concessional

Mboleko kunye ukwelixesha loxolelo Kuyinto elula kakhulu, umzekelo kwiimeko yokulibaziseka lomvuzo okanye izitenxo yengeniso. Nangona kunjalo, indlela eya ekukhetheni kwabo noyilo kufuneka silumke kakhulu ngenxa yokuba kukho umngcipheko ukuba ukuhlangabezana ngemihla amaqashiso kuwe lobabalo.

Ukuba uhlawule ngokupheleleyo de kuye ekupheleni kwethuba ubabalo akathandi kusebenza, siya kuya kufuneka ahlukane umdla eziza efunyenwe isixa-mali abolekiweyo. Kulo mzekelo, iindleko zizonke ukuboleka ukuze umboleki unpleasantly isimanga unsophisticated. Ngoko ke kufuneka siqwalasele ngenyameko isixa kwesantya senzala, kwakunye neempawu ukubalwa ukwelixesha loxolelo, ngaphambi kokuba isiginitsha yakhe sivumelwano semali-mboleko.

Iimpawu ze ukubala

Grace ixesha zokuboleka kufana ehlaziyekayo yaye ovadrafti ikhadi lamatyala. Ukuze uqonde into ubabalo-ixesha kwimeko nganye kunzima kakhulu. Emva lenkqubo ezahlukeneyo amaziko credit zahluke ngeendlela yayo kubalo kunye nenani imisebenzi ezinxulumene flow yayo. Ukongeza, ubude ukwelixesha loxolelo azifani ngokungqongqo. Kwimigangatho eyahlukeneyo, oko iyahluka ukusuka kwiinyanga 1 ukuya 2. Ezininzi eziqhele ukusetyenziswa isithuba seentsuku 50-55.

Bokuqonda basebenzisa amakhadi kunye nokubonisa ixesha elongezelelweyo

Ngokuqokelela ulwazi malunga yintoni ubabalo-ixesha, sinikela ingqalelo ezinye iimpawu zayo ibalulekileyo. Okokuqala, oku kusebenza idla kuphela transactions non-cash, ezifana ikhadi intlawulo ngokusebenzisa iimpahla okanye iinkonzo kurhwebo kunye nenkonzo kwamashishini.

Ukuba ikhadi isithuba saphambi korhafelo, ungaqalisa ukuyisebenzisa kwangoko, kodwa kufuneka ukhumbule ukuba ukusebenza yokuqala ikhutshwa phandle esebenzisa ixesha lokuvula ngokukhethwa ngumthetho osebenzayo. Abantu abaninzi kule senilulibele ukuba notsalo imali evela ATM - kukwayinto entle itransekshini ebhankini, yaye akukho lifinyele.

Iintlobo lamathuba ubabalo

Umbuzo of ukuqala xa yokuqala ubabalo-xesha, Kuyinto nzima ukuba baqonde. Ukuze uphendule lo mbuzo oko kuyimfuneko ukufunda inkqubo yokubala ixesha umdla-ezamahala ngetyala, esiza kusetyenziswa ziibhanki. Phezu kwayo yonke ezahlukeneyo iinkqubo mboleko ngeemveliso khadi, kukho 2 iintlobo eziphambili lamathuba ubabalo;

• Kuba transaction nganye eyenziweyo (-umlenze ngetyala). Ziqikelela ukuba ngexesha elimisiweyo ixesha (isithuba saphambi korhafelo) emva intengiselwano hayi ixhuzulwa mdla. Baza kubalwa ihlawuliswe yibhanki kuphela emva kokuhlawulwa kwamatyala onesiphumo.
• On iseti kwiintengiselwano ezenziwe ngexesha lokunika ingxelo. Ke, ukuze bakwazi ukulisebenzisa ngokupheleleyo eli thuba ubabalo kuya kufuneka ukuba uhlawule ityala kude kube lusuku lokumakisha ekupheleni kwexesha. Grace ixesha uba ixabiso variable, kubukhulu Iintengiselwano kwenziwa ekuqaleni, kwaye ubuncinane - kuba ukuthumela yakutshanje.

Enyanisweni, lo ikhadi kwisithuba ubabalo i "phambili" imveliso zemali obutofotofo kakhulu kwaye ivumela indlela echanekileyo ukuboleka imali ebhankini kwi imigaqo kuluncedo kakhulu. Imeko kuphela oluyimfuneko ukuze abolekisa concessional yi kubaboleki ingqeqesho mali epheleleyo. Kufuneka uqonde kakuhle zonke iinkalo ukhetho ekhethiweyo yokuboleka, ukulandelela ngenyameko yonke inkcitho kwaye ugcine irekhodi indlela wahlangabezana icinyiwe, kwaye kwabalelwa kwikhadi imali.