Kodi ndi ngongole iti yomwe ndiyabwino kupeza
Mabanki omwe amathandizana wina ndi mnzake amapereka ma kirediti kadi: amaperekedwa ngati mphatso potsegula akaunti kapena kuyika chiphaso, kutumiza ndi makalata, kuvomereza zolembera kudzera pa intaneti komanso positi ofesi. Ndikosavuta kutayika pamitundu iyi. Kodi ndi khadi iti yabwinobwino yomwe ndiyabwino, ndipo ndi njira ziti zosankhira kirediti kadi?
Makhadi angongole omwe "amatembenuka"
Pali ma kirediti kadi omwe ali ndi malire osazungulira, omwe mungatenge ndalama zomwe banki idavomereza kamodzi. Ndikosavuta kugwiritsa ntchito kirediti kadi pamalingaliro a ngongole "yozungulira" yomwe mungatenge ndalama mkati mwa malire a ngongole nthawi zopanda malire - gwiritsani gawo la ndalamazo, kenako ndikulipira ngongoleyo mwachangu ndikupezanso ndalama zonse.
Kutalika kwa nthawi yachisomo
Zatsatanetsatane zokhazikitsa nthawi yachisomo yomwe chiwongola dzanja sichimalipidwa ndizosiyana kubanki iliyonse. Mabanki ena amagwiritsa ntchito nthawi yachisangalalo pazochitika zilizonse ndi ma kirediti kadi, ena - okhawo osalipira ndalama, ndipo kuchotsera ndalama kumakhala chiwongola dzanja kuyambira tsiku loyamba.
Zolemba pakuwerengera nthawiyo zimasiyana kutengera ndi mgwirizano wa khadi linalake. Mabanki ena amayamba kuwerengera kuyambira pomwe khadi imagwiritsidwa ntchito, ena kuyambira koyambirira kwa mwezi womwe ndalama zidagwiritsidwa ntchito. Mlandu wachiwiri, chisomo cholengezedwa cha masiku 50-55 chimasanduka chosowa chidwi kwa mwezi umodzi wokha.
Tiyenera kumvetsetsa kuti ngakhale mutakwanitsa kubweza ndalama zambiri zomwe munagwiritsa ntchito pa khadi nthawi yachisomo, chiwongola dzanja chimaperekedwa osati pamalipiro a ngongole, koma pa ndalama zonse zomwe mudagwiritsa ntchito.
Mosasamala nthawi yachisomo, ndikofunikira kulipira ndalama zochepa pamwezi munthawi yomwe banki idalipira kuti lisalandire chilango chakuchedwa.
Kusavuta kugwiritsa ntchito
Mtundu wamakhadi akubanki umadalira momwe zimakhalira bwino kugwiritsa ntchito ndalama zomwe munabwereka ndi kubweza ngongole. Makhadi olipira padziko lonse Visa ndi MasterCard amavomerezedwa kulikonse m'malo a POS a mabungwe azamalonda, ma ATM, nthambi zamabanki ndi njira zolipira zamagetsi. Khadi lomwe siliphatikizidwa munjira zolipirira padziko lonse lapansi lingabweretse mavuto kwa eni ake pakulandila ndalama komanso ndalama zopanda ndalama komanso malo okhala.
Samalani kuchuluka kwa ma komisheni obwezera ndalama kapena kulandira ndalama zolipirira kapena kubweza ndalama. Ndi bwino kulandira ndalama kuchokera pa khadi ndikubwezeretsanso ku "mbadwa" yotulutsa banki osalipira ndalama za 3-5% ya ndalamazo.
Kutulutsidwa
Mukamaitanitsa kirediti kadi pa intaneti, kuyesa kusunga nthawi, mutha kuwononga masiku amtengo wapatali kudikirira kutumizidwa ndi makalata. Ngati mukufuna kirediti kadi mwachangu, ganizirani zomwe mungachite kuti mupeze khadi yosatchulidwe dzina kapena lemberani ku banki komwe mumasunga ndalama kapena kulandira ndalama kuti muchepetse nthawi yakusinthira. Tchulani pasadakhale kuti mudzadikirira nthawi yayitali bwanji - maola angapo kapena milungu ingapo.
Chiwongola dzanja
Muyeso wofunikira wowunika phindu la kirediti kadi kwa obwereka ndi chiwongola dzanja chogwiritsa ntchito ndalama kunja kwa nthawi yachisomo. Pali pafupipafupi pakati pakufulumira kwakanthawi kogwiritsa ntchito, kuchuluka kwa zikalata zowunika kudalirika kwa eni, ndi kuchuluka kwa banki. Kutengera kuchuluka kwa banki komanso kirediti kadi, mitengoyi imasiyanasiyana pakati pa 20-40% pachaka. Ngati woperekayo amangofuna pasipoti, safuna chikalata cha ndalama ndi bukhu la ntchito, sawunika mbiri ya ngongole, ndi mwayi wambiri atha kuweruzidwa kuti milanduyo idzakhala yayikulu kwambiri kuposa avareji.
Kuchuluka kwa ngongole
Ngati musankha khadi potengera kuchuluka kwa ngongole, musayembekezere kuti ndalama zonse zivomerezedwa nthawi imodzi. Mukayamba kulumikizana ndi banki, mutha kupeza ndalama zochepa pazobwereka. Ndikubweza kwakanthawi komanso kugwiritsa ntchito pafupipafupi, pakatha miyezi ingapo, banki imakulitsa malire paokha kapena mwakufuna kwanu. Mutha kuwonjezera malire omwe alipo ku banki komwe mumakhala kasitomala pantchito yolipira kapena komwe mudapitako kale ndikubweza ngongole.
Kupeza kirediti kadi sikophweka. Kuti mupeze, sikokwanira kuti mudzaze pulogalamu yoyamba yomwe ikupezeka pa intaneti, ndikofunikira kuyerekezera momwe mabanki akukhalira ndikupanga chisankho pamaziko azomwe zalembedwa.