Amakhadi Esikweletu awayona nje indlela yokukhokhela izinto zansuku zonke njengezinto zikagesi, amagajethi, noma ukuthenga ku-inthanethi. Aphinde akusize wakhe irekhodi lendlela ophatha ngayo imali.
Umlando wokuthengiselana oqinile ubonisa amabhange ongawaboleka futhi uwakhokhe ngendlela efanele. Lokhu kungenza kube lula ukuthola imali mboleko, imikhawulo ephezulu yesikweletu, noma ngisho nokunye Ikhadi lesikweletu esikhathini esizayo.
Qhubeka ufunda ukuze ufunde kabanzi mayelana nokuthi ukusebenzisa ikhadi lesikweletu ngokuhlakanipha kungaqinisa kanjani iphrofayili yakho yezezimali.
Usho ukuthini ngomlando wokuthengiselana?
Umlando wakho wokuthengiselana ubhekisela ohlwini oluphelele lwazo zonke izintengiselwano ozenzile esikhathini esithile. Isibonelo, Ikhadi Lesikweletu Lamafutha AseNdiya Umlando wokuthengiselana uzobonisa izinkokhelo ozenzile eziteshini zikaphethiloli usebenzisa ikhadi.
Amakhadi Esikweletu akusiza kanjani ukwakha umlando wokuthengiselana?
Ukusebenzisa la makhadi ukuze wenze ukuthengiselana kuthinta isilinganiso sakho sokusetshenziswa kwesikweletu, imvamisa yokukhokha izikweletu kanye nobude bomlando wesikweletu. Kuphinde kuthinte izinhlelo zakho zokusebenza zamakhadi amasha kanye nenhlanganisela yakho yesikweletu enempilo, njengoba kuboniswe ngezansi.
Isilinganiso sokusetshenziswa kwesikweletu
Isilinganiso sakho sokusetshenziswa kwesikweletu sibhekisela kwisilinganiso senani olisebenzisayo kumkhawulo wesikweletu ophelele otholakalayo futhi ngokuvamile sibalwa ngokwemigomo yephesenti.
Isilinganiso sokusetshenziswa kwesikweletu esifanele kufanele sibe ngaphansi kuka-30%. Lesi silinganiso sibonisa ukuthi usebenzisa iKhadi lakho Lesikweletu kodwa awuncikile kulo.
Uma unesilinganiso sokusetshenziswa kwesikweletu esingaphezu kuka-30%, khona-ke ungafaka engcupheni isikweletu esiphansi. Kubonisa ukuthi uthembele kakhulu emalini ebolekiwe, okungase kubonise ingozi kubabolekisi futhi kunciphise amathuba akho okuthola imali mboleko noma amakhadi esikweletu esikhathini esizayo.
Ukuvama kokukhokha izikweletu zekhadi lesikweletu
Ukuvama kokukhokha izikweletu zakho nakho kuyingxenye ebalulekile yomlando wakho wokuthengiselana. Ukukhokha izikweletu zekhadi lakho lesikweletu ngesikhathi kukusiza ugweme izinhlawulo ezifana nezimali ezikhokhwa sekwephuzile noma izindleko ezengeziwe. Kuphinde kubonise ukuthi ungumboleki onesibopho, okungenza amabhange abe namathuba amaningi okukwethemba ngamakhadi e-premium, njenge-Indian Oil Credit Card, isibonelo. Enye inzuzo yokukhokha izikweletu zakho njalo ngesikhathi iwukuba nesikweletu esihle. Isikweletu esihle singakusiza ukuthi ufake isicelo semali mboleko kalula noma uthenge into enenani eliphezulu ngaphandle kwezinkinga.
Ubunikazi bekhadi lesikweletu
Ubunikazi bekhadi lakho lesikweletu bubhekisela esikhathini osibe naso futhi osisebenzise ngaso ikhadi. Uma usebenzisa ikhadi lakho isikhathi eside, uzoba nomlando omude wokuthengiselana. Ngaphezu kwalokho, ukungalisebenzisi ikhadi lakho isikhathi eside kungaholela ekuvinjelweni noma ekucinyweni kwalo. Ngakho-ke kufanele ulisebenzise ngezikhathi ezithile ukuze uligcine lisebenza.
Inhlanganisela yekhredithi enempilo
Inhlanganisela yakho yesikweletu ibhekisela engxubeni yezinhlobo zemalimboleko ezingavikelekile nezivikelekile. Imalimboleko engavikelekile ibhekisela eMalimboleko Yomuntu Siqu, Imalimboleko Yemfundo kanye nemalimboleko yeKhadi Lesikweletu, ezingasekelwa yisibambiso njengesibambiso.
Ngakolunye uhlangothi, izimali mboleko eziqinisekisiwe zibhekisela kulezo eziqinisekiswe yisibambiso njengezibambiso futhi zibandakanya izimali mboleko zendlu noma zemali mboleko yemoto.
Uma ukwazi ukuphatha ngempumelelo lezi zinhlobo zemali mboleko zombili ngokuzikhokha ngesikhathi, kubonisa inhlanganisela yesikweletu enempilo.
Isiphetho
Kulula ukufaka isicelo seKhadi Lesikweletu elisha uma unomlando omuhle wokuthengiselana. Lokhu kuzokwenzeka kuphela uma ugcina isilinganiso sokusetshenziswa kwesikweletu esinempilo, isheduli yokukhokha izikweletu kanye nobude bobunikazi.
Zonke lezi zici zizothinta ndawonye amaphuzu akho esikweletu, okufanele abe phakathi kuka-750 no-900. Ukuba namaphuzu esikweletu anempilo kuzokuvumela ukuthi ufake isicelo semali mboleko kalula esikhathini esizayo.
