Ungayikhokha kanjani ikhadi lesikweletu? Ufuna indlela engcono yokukhokha isikweletu sakho sekhadi lesikweletu ngokushesha? Ufuna ukwehlisa izinkokhelo zakho zenzalo, ugcine amaphuzu akho amahle wesikweletu, futhi uphume esikweletini ngesikhathi esincane?
Uma kunjalo, ake ngichaze ithuluzi elikhona okufanele ulisebenzise uma unesikweletu esingu- $ 1,000 noma ngaphezulu ekhadini lakho lesikweletu. Kusemthethweni ngokuphelele futhi kusebenzisa nezinhlelo ezenziwe ngabakhiphi bekhadi lesikweletu ngokwabo.
Nakhu ukuthi ungawakhokha kanjani amakhadi akho esikweletu unomphela, ngokushesha kunokuba ubucabanga ukuthi kungenzeka:
Isinyathelo 1: Hambisa ibhalansi yekhadi lakho lesikweletu
Uma unebhalansi yekhadi lesikweletu le- $ 10,000 ngamaphesenti ayi-15 kusuka APR , Uyakhokha $ 1,500 ngonyaka ngenzalo ! Lezi zinkokhelo zezezimali zenza kube nzima kakhulu ukukhokha isikweletu sakho. Isibonelo, uma wenza inkokhelo yanyanga zonke ye- $ 200 , Uzonciphisa ibhalansi yakho kuphela nge $ 50 ngemuva kokukhokha inzalo!
Ngakho-ke, into yokuqala okufanele uyenze ukuyeka ukusebenzisa imali kwizindleko zezezimali.
Kulungile, kodwa kanjani? Kulula kakhulu:
Iminikelo ngeyakho ongayithatha
Izinkampani zamakhadi esikweletu ziyancintisana
Bathola imali njalo lapho usebenzisa ikhadi lakho (futhi-ke, futhi uma uphatha ibhalansi futhi ubakhokhela inzalo). Kunoma ikuphi, uma unekhadi lesikweletu neBhange A, iBhange B lingathanda ukukunikeza ithuba lokushintsha. Lokhu kukhushulwa kungaphana futhi kufaka amakhadi anokwethulwa okude kokudluliswa kwe-APR engu-0%.
Lokhu kusho ukuthi uvula ikhadi elisha lesikweletu bese ucela ukudlulisa izilinganiso zamakhadi akho akhona liye kwelisha. . Ibhange elisha lizokhokha izikweletu zakho ezindala bese uqala ukukhokha ekhadini elisha. Ubuhle balokhu ukuthi ikhadi elisha Ngeke ukhokhise inzalo unyaka owodwa noma ngaphezulu (kwesinye isikhathi kufika ezinyangeni ezingama-21).
Cabanga ngenkokhelo engu- $ 200 yanyanga zonke ebhalansi engu- $ 10,000 futhi. Ku-0% APR, ama- $ 200 azokhokha ibhalansi. Ngokungazelelwe, isikweletu ebesizothatha iminyaka eyishumi ukuthi sikhokhwe singakhokhwa eminyakeni embalwa.
Ungonga malini?
Ungonga malini ngokwenza ukudluliswa kwebhalansi? Amakhulu - uma kungenjalo izinkulungwane - ezithakazelisayo! Izibali ezilula zokudlulisa ibhalansi online zingakubonisa cishe ukuthi ungonga kangakanani.
Vele, imali oyilondolozile uqobo izoncika ekutheni ungakhokha ngokushesha kangakanani ibhalansi yakho. Okusiholela ku:
Isinyathelo 2: Gxila kuyo yonke imizamo yakho yezezimali ekukhokheleni isikweletu sakho sekhadi ku-0%.
Uma unebhalansi enkulu yekhadi lesikweletu, kufanele usebenzise yonke idola osele ukuyikhokha.
Lokhu kuyiqiniso ikakhulukazi uma une-0% APR ongayisebenzisa ngoba idola ngalinye olikhokhayo liya ekwehliseni isikweletu, hhayi inzalo.
Amanye amakhadi wesikweletu amakhulu wokudlulisa ibhalansi nge-APR
Ukufaka isicelo sekhadi lokudlulisa ibhalansi kulula kakhulu: Thola ikhadi elihle kakhulu kuwe, ugcwalise isicelo esisheshayo semizuzu emi-5, bese uhlola iposi ukuthola imininingwane yokuthi ungakhokha kanjani ekhadini elisha. Nawa amanye amakhadi wesikweletu anikezela ngama-APR wesingeniso ekudlulisweni kwemali esele okufanele ucatshangelwe.
Ikhadi lesikweletu le-BankAmericard®
Yize izimali zokudlulisa ibhalansi zinganciphisa ukulondolozwa okungavela ekhadini lesingeniso le-APR, kwesinye isikhathi uzokonga okuningi ngokukhokha imali ngoba unesikhathi esithe xaxa sokukhokha ibhalansi yakho ngokwemigomo yokubuka.
Kungcono uma: ufuna ukunikezwa okuhle kwesingeniso.
Qhubeka ubheke ukuthi: ufuna ikhadi ongathola imivuzo ngalo ngemuva kokukhokha ibhalansi yakho.
Isikweletu siyadingeka: kusuka kokuhle kuya kokuhle kakhulu. Uzodinga okungenani iminyaka emihlanu yomlando wesikweletu. Lokhu ngokuvamile kulingana nesilinganiso se-FICO esingu-700 noma esingcono.
Thola it® Balance Dlulisa
Isingeniso Bheka Imigomo ye-APR yezinyanga eziyi-18 ekudlulisweni kwemali esele. Uhlelo lokubuyisa imali. Bona Imigomo. Ayikho imali ekhokhwa minyaka yonke.
Ngabe udinga isikhathi esiningi ngangokunokwenzeka ukusizakala nge-APR yesingeniso? Cabanga nge-Discover it® Balance Transfer, enikezela nge-APR yesingeniso. Bona imigomo ekudlulisweni kwamabhalansi kwemigomo. Kunemigomo yokubona, kepha i-Discover nayo inikela ngohlelo lwemivuzo yemali ephanayo. Buyisela imali engamaphesenti ama-5 ezigabeni ezishintsha njalo ngekota, kuze kufike ku- $ 1,500 ephezulu yekota, lapho isebenza. Futhi iphesenti eli-1 libuyisa imali kukho konke okunye ukuthenga. Thola ukufanisa yonke imali oyikhokhela ngonyaka wakho wokuqala wabanikazi bamakhadi abasha.
I-APR eqhubekayo ngemuva kokuphela kwesilinganiso sesingeniso yi-See Terms.
Kungcono uma: ufuna i-APR yesingeniso ku-Balance Transfers kanye Nemiklomelo Yemali.
Qhubeka ubheke ukuthi: Ufuna i-APR yesingeniso engcono kakhulu ekuthengeni okusha.
Isikweletu siyadingeka: Kuhle kakhulu. Okungenani iminyaka engu-5 yomlando wesikweletu ngaphandle kokukhokha sekwedlule isikhathi noma amanye amarekhodi amabi. Lokhu ngokuvamile kulingana nesikolo se-FICO maphakathi nama-700s noma okungcono.
I-Capital One® Quicksilver® Cash Rewards Credit Card
I-0% yesingeniso se-APR ekuthengeni nasekudlulisweni kwemali esele ezinyangeni eziyi-15, kuzosetshenziswa isilinganiso esijwayelekile esingu-15.49% - 25.49% (Okuguqukayo). Amaphesenti ayi-1.5 wemiklomelo yemali. Ibhonasi yemali eyi- $ 150 yesikhathi esisodwa. Imali engu-3% yokudlulisa ibhalansi. Ayikho imali ekhokhwa minyaka yonke.
Ikhadi lesikweletu le-Capital One Quicksilver Cash Rewards linohlelo oluqondile lwemivuzo yemali ekunikeza imali engu-1.5% emuva kukho konke okuthengile. Kukhona nebhonasi engu- $ 150 yemali uma usebenzisa u- $ 500 ezinyangeni ezintathu zokuqala kusuka ekuvuleni ikhadi, okubandakanya imali yokudlulisa ibhalansi engu-3% uma udlulisa ibhalansi.
Kungcono uma: ufuna ikhadi lokudlulisa ibhalansi encane ongayikhokha ezinyangeni ezimbalwa, kodwa futhi ufuna ukuthenga okuthile bese uthola ukubuyiselwa imali okungamaphesenti ayi-1.5.
Qhubeka ubheke ukuthi: Inhloso yakho kuphela ukukhokha ibhalansi yakho ngokushesha nangokomnotho ngangokunokwenzeka.
Isikweletu siyadingeka: kusuka kokuhle kuya kokuhle kakhulu. Uzodinga okungenani iminyaka emithathu kuya kwemihlanu yomlando wesikweletu. Lokhu ngokuvamile kulingana nezikolo ze-FICO kuma-600s aphezulu noma ngaphezulu.
Izindlela ezi-7 zokukhokha isikweletu sakho sekhadi lesikweletu ngokushesha
1. Beka kuqala ukuthi uzosikhokha kanjani isikweletu sakho
Ngaphandle kokuthi unesikweletu ekhadini elilodwa kuphela, udinga isu. Bhala ibhalansi ekhadini ngalinye kanye nePhesenti Lalo Lonyaka Lonyaka (i-APR). Bese unquma ukuthi iyiphi ozoyikhokha kuqala.
Izindlela ezimbili ezivame kakhulu ukudonswa kwesikweletu kanye neqhwa lesikweletu. Kokubili kudinga ukuthi wenze inkokhelo encane kuwo wonke amakhadi akho. Indlela yokudonswa kwezikweletu iphakamisa ukuthi kufakwe imali ethe xaxa ekhadini eline-APR ephezulu, ngenkathi indlela yesikweletu yeqhwa ithi kufanele uqale ngekhadi elinebhalansi ephansi kakhulu. Uma usukhokhele ikhadi, shintshela kuleyo ene-APR ephezulu noma ibhalansi ephansi.
Ukugcwala kwendlela yesikweletu kunengqondo uma uzama ukonga imali eningi isiyonke, ngenkathi indlela ye-snowball ilusizo uma ulwela ukuhlala ukhuthazekile futhi ufuna ukubona ubufakazi benkqubela phambili yakho ngokushesha okukhulu.
2. Sika isabelomali sakho ngangokunokwenzeka
Buyekeza isabelomali sakho sanyanga zonke bese uthola imali oyisebenzisayo ezintweni ongazidingi, njengokudla ngaphandle, ubulungu bokuzivocavoca ongabusebenzisi, noma inqwaba yedatha yeselula. Nciphisa zonke izindleko ezingadingekile bese ufaka imali eyengeziwe esikweletini sekhadi lakho lesikweletu. Usengabhajetha inani elincane lokuzijabulisa nezinto ezingadingeki inyanga ngayinye, kepha iningi lemali yakho eyengeziwe kufanele iye esikweletini sakho size sikhokhwe.
3. Wasebenzise amathuba okwengeza imali oyitholayo
Ukuthola izindlela zokwengeza imali oyitholayo kuyindlela ongakhetha ngayo uma ungakwazi ukunciphisa izindleko zakho kakhulu. Ungakwenza futhi lokhu ngokuhambisana nokunciphisa izindleko zakho ukusiza ukukhokha isikweletu sakho ngokushesha okukhulu.
Umsebenzi wakho wamanje ungakunikeza amathuba okuthola imali ethe xaxa, njengokusebenza isikhathi esengeziwe noma ukufuna ukukhushulwa. Ungaqala futhi i-hustle eseceleni noma uqashe igumbi elengeziwe noma impahla uma unayo.
Ungakhohlwa ngezintela uma uqala elakho ibhizinisi ohlangothini. Imbuyiselo yakho yentela evela ngonyaka odlule kufanele ikutshele ukuthi uthumela malini ngekota. Noma ungaziqikelela wena uqobo usebenzisa leli phepha lokusebenza .
QHATHANISA AMAKHADI OKUDLULA KABALULEKILE UKUTHOLA UKUFANELEKA KWAKHO
Ungathanda ukwazi ukuqhathanisa ukunikezwa kwekhadi lokudlulisa ibhalansi? Manje usungakwazi ngokukhetha kwethu amakhadi amahle kakhulu wango-2020. Thola isivumelwano esilungele wena, kufaka phakathi i-0% yesingeniso eside se-APR sokukusiza ugweme inzalo yekhadi lesikweletu, akukho mali ekhokhwa minyaka yonke nokulandelwa kwesikweletu mahhala.
4. Beka imali ongayilindele esikweletini sakho
Amabhonasi okuphela konyaka, ukubuyiselwa kwemali yentela, nezinye izinzuzo zomoya okufanele ziye esikweletini sakho kuqala ngaphandle kokuthi uzidinga ukukhokhela izindleko zakho eziyisisekelo zokuphila. Kepha awukwazi ukuthembela kuleli su kuphela.
Ukukhokha okukhulu kanye noma kabili ngonyaka kungenzeka akwanele ukuqeda sonke isikweletu sakho, kepha kungasiza. Yakha ukukhokhelwa kwesikweletu kwisabelomali sakho bese usebenzisa noma iyiphi imali eyengeziwe oyithola njengebhonasi ukusiza ukukhokha isikweletu sakho ngokushesha okukhulu.
5. Xoxa nge-APR yakho nomhlinzeki wekhadi lakho lesikweletu
Abakhipha amakhadi esikweletu akudingeki ukuthi bashintshe imigomo yabo kuwe, kepha kwesinye isikhathi bazokwenza kanjalo uma ubuza ngesizotha, ikakhulukazi uma ngabe ube yikhasimende elithembekile nelinomthwalo. Thinta okhipha ikhadi lakho bese ucela i-APR ephansi ukuze ukwazi ukukhokha isikweletu sakho kalula. Veza ukwethembeka kwakho uma ngabe uke waba nekhadi isikhashana, futhi ubonise ukunikezwa kwekhadi lesikweletu labancintisana nabo njengokusizakala.
Uzoba nethuba elihle lokuthola isifiso sakho uma uthinta inkampani ngocingo. Yiba nenhlonipho, kodwa uqine. Gwema ukwenza izimfuno noma ukuphakamisa izwi lakho. Lokhu cishe ngeke kwenze omele insizakalo yamakhasimende azizwe ethambekele ukukusiza.
6. Dlulisela ibhalansi kwelinye ikhadi lesikweletu
Ungaya ngqo kulesi sinyathelo noma usicabangele uma okhipha ikhadi lakho lesikweletu enqaba ukwehlisa i-APR yakho. Ukudlulisela ibhalansi ekhadini elinesingeniso esingu-0% i-APR kungamisa okwesikhashana ibhalansi yakho ekukhuleni, kucatshangwa ukuthi awulayishi noma yikuphi ukuthenga okusha ekhadini ngalesi sikhathi. Lokhu kungenza kube lula ukukhokha, kepha uma ungakwazi ukukwenza kungakapheli isikhathi sesingeniso, noma iyiphi ibhalansi esele izoqala ukuthola inzalo ku-APR ejwayelekile yekhadi.
Kufanele wazi nemali yokudlulisa ibhalansi. Zibhalwe esivumelwaneni sakho somnikazi wekhadi. Lokhu kuvame ukuba ngamaphesenti ebhalansi oyidlulisayo futhi kuzokhuphula inani okufanele ulikhokhe. Qiniseka ukuthi ukhululekile ngalokhu ngaphambi kokuqhubeka nokudluliswa kwebhalansi.
7. Thola imali mboleko yomuntu siqu
Imalimboleko yomuntu siqu inengqondo uma ungafuni ukuvula elinye ikhadi lesikweletu noma uma ufuna ukukhokha okungaguquki nyangazonke. Kepha ngoba lezi zimali mboleko aziphephile, okusho ukuthi azikho izibambiso, amanani enzalo kwizimalimboleko zomuntu siqu aphakeme kunamanani ozowathola nezinye izinhlobo zemalimboleko. Kepha uma usuthole imalimboleko yomuntu siqu, ngeke ukhathazeke ngokuthi ibhalansi yakho iyakhula.
Ungasebenzisa eyodwa noma inhlanganisela yalezi zindlela ukukhokha isikweletu sakho sekhadi lesikweletu. Uzokhokha isikweletu sakho ngokushesha uma usebenzisa ezinye zazo, ukuthi ungadlulisa kanjani ibhalansi, unciphise izindleko zakho futhi ukhuphule umholo wakho, ndawonye. Kepha kukuwe ukuthi unqume ukuthi iziphi izeluleko ezizokusebenzela kangcono.
Ukuzikhulula: Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Isinyathelo 1: Hambisa ibhalansi yekhadi lakho lesikweletu
- Izinkampani zamakhadi esikweletu ziyancintisana
- Ungonga malini?
- Isinyathelo 2: Gxila kuyo yonke imizamo yakho yezezimali ekukhokheleni isikweletu sakho sekhadi ku-0%.
- Amanye amakhadi wesikweletu amakhulu wokudlulisa ibhalansi nge-APR
- Ikhadi lesikweletu le-BankAmericard®
- Thola it® Balance Dlulisa
- I-Capital One® Quicksilver® Cash Rewards Credit Card
- Izindlela ezi-7 zokukhokha isikweletu sakho sekhadi lesikweletu ngokushesha
- 1. Beka kuqala ukuthi uzosikhokha kanjani isikweletu sakho
- 2. Sika isabelomali sakho ngangokunokwenzeka
- 3. Wasebenzise amathuba okwengeza imali oyitholayo
- QHATHANISA AMAKHADI OKUDLULA KABALULEKILE UKUTHOLA UKUFANELEKA KWAKHO
- 4. Beka imali ongayilindele esikweletini sakho
- 5. Xoxa nge-APR yakho nomhlinzeki wekhadi lakho lesikweletu
- 6. Dlulisela ibhalansi kwelinye ikhadi lesikweletu
- 7. Thola imali mboleko yomuntu siqu
- Uyithola kanjani imali ekhadini lesikweletu?
- Ungayakha kanjani i-LLC eFlorida?
- Uma ngingalisebenzisi ikhadi lami lasebhange, ingabe ngizokhokhiswa?
- Ikhadi lami lasebhange kwebiwe bakhipha imali, ngenzenjani?
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?
- Uyithenga kanjani imoto ngaphandle kwesikweletu