Amakhadi wesikweletu nokuphatha izikweletu · Isifundo 1 3

Sebenzisa ikhadi lesikweletu ngaphandle kokukhokha inzalo

Ukuthi isikhathi somusa sisebenza kanjani, ukuthi ungasifunda kanjani isitatimende sakho, kungani ukukhokha kuphela izindleko ezincane kakhulu, nokuthi yiziphi izici zekhadi okufanele uzigweme. (About 15 min, 5 quiz questions)

Kulesi sifundo

Yini ozoyifunda

Chaza isikhathi somusa nokuthi ukukhokha ibhalansi yesitatimende esigcwele kugwema kanjani inzalo.
Thola izinombolo ezibalulekile esitatimendeni sekhadi lesikweletu, kufaka phakathi isexwayiso esincane sokukhokha.
Qhathanisa izindleko zokukhokha ubuncane kuphela ngokukhokha inani elinqunyiwe njalo ngenyanga.
Gwema izici ezibizayo ezifana nokuthuthukiswa kwemali, ukunikezwa kwenzalo okuhlehlisiwe, imali ekhokhwayo sekwephuzile, nama-APR enhlawulo.

Ukuthi lokhu kuxhumene kanjani namakilasi ethu: Isigaba sethu sihlanganisa ukuthi amakhadi wesikweletu asebenza kanjani nokuthi yini esitatimendeni. Lesi sifundo sengeza izinombolo zokukhokha ezisebenzayo, izimali nezicupho okufanele uzigweme, amalungelo akho uma kukhona okungahambi kahle, kanye nohlu lokuhlola lokukhetha nokusebenzisa ikhadi lokuqala.

Amagama okumele wazi

Isikhathi somusa (Grace period): Isikhathi esiphakathi kokuphela komjikelezo wokukhokha nosuku olubekiwe. Uma ukhokha ibhalansi ephelele yesitatimende ngosuku olubekiwe, amakhadi amaningi akhokhisi nzalo ekuthengeni.
Ibhalansi yesitatimende (Statement balance): Inani olikweletayo ngosuku lokugcina lomjikelezo wokukhokha. Ukukhokha le mali ngokugcwele ngosuku olubekiwe kugwema inzalo yokuthenga.
Inkokhelo encane (Minimum payment): Inani elincane kunazo zonke okufanele ukhokhe ngosuku olubekiwe ukugwema imali ekhokhwayo sekwephuzile. Usakhokha inzalo esele ibhalansi.
I-APR (isilinganiso samaphesenti onyaka) (APR (annual percentage rate)): Izindleko zonyaka zokuboleka, eziboniswe njengephesenti. Ikhadi elilodwa lingaba nama-APR ahlukene okuthenga, ukuthuthukiswa kwemali, nokudluliswa kwebhalansi.
Cash advance: Sebenzisa ikhadi lesikweletu ukuthola imali, isibonelo ku-ATM. Imvamisa inemali ekhokhwayo ne-APR ephezulu, futhi inzalo iqala ngokushesha.
Penalty APR: Inzalo ephakeme inkampani yamakhadi ingakhokhisa uma ukhokha sekwephuzile. Ingasebenza kwibhalansi yakho ekhona uma uneminyaka engaphezu kwezingu-60 sekwephuzile.
Inzalo ehlehlisiwe (Deferred interest): Isivumelwano "asikhokhelwa ngokugcwele". Uma noma iyiphi ibhalansi ishiywe lapho isivumelwano siphela, inkampani ingangeza inzalo ebuyela osukwini lokuthenga.
Ikhadi lesikweletu eliphephile (Secured credit card): Ikhadi lesikweletu elidinga idiphozithi. Umkhawulo wesikweletu uvame ukufana nediphozithi. Ingasiza abantu abangenawo umlando wesikweletu ukwakha isikweletu.

Izinombolo ezintathu esitatimendeni sakho

Njalo ngenyanga, inkampani yakho yamakhadi ithumela isitatimende. Ikhombisa ukuthenga kwakho, izinkokhelo, kanye nezimali zomjikelezo owodwa wokukhokha. Umjikelezo wokukhokha uvame ukuba yinyanga eyodwa. Izinombolo ezintathu esitatimendeni zibaluleke kakhulu.

Ibhalansi yesitatimende: Lokho okukweleta ngosuku lokugcina lomjikelezo wokukhokha. Uma ukhokha le mali ephelele ngosuku olubekiwe, amakhadi amaningi awakhokhisi nzalo ekuthengeni kwakho.
Ibhalansi yamanje: Lokho okukweleta namuhla. Kubandakanya ukuthenga okwenzile ngemuva kwesitatimende. Akudingeki ukhokhe lokhu ukuze ugweme inzalo.
Inkokhelo encane: Inani elincane kunazo zonke okufanele ukhokhe ngosuku olubekiwe ukugwema imali ekhokhwayo sekwephuzile. Uma ukhokha kuphela le mali, ukhokha inzalo kokunye.

Isikhathi esiphakathi kokuphela komjikelezo wokukhokha nosuku olufanele sibizwa ngokuthi isikhathi somusa. Izinkampani zamakhadi akudingeki zikunikeze eyodwa, kepha iningi lezenza ukuthenga. Kufanele bathumele noma bathumele umthethosivivinywa wakho okungenani izinsuku ezingama-21 ngaphambi kokukhokha.

Uma ungakhokhi ibhalansi ephelele yesitatimende, ulahlekelwa yisikhathi somusa. Ukhokha inzalo enanini engakhokhiwe, futhi ukuthenga okusha kuqala ukukhokhisa inzalo ngokushesha. Ukusebenzisa ikhadi ngaphandle kokukhokha inzalo, khokha ibhalansi yesitatimende esigcwele njalo ngenyanga.

Isibonelo

U-Amara ukhokha ngokugcwele futhi akakhokhi nzalo

U-Amara usebenza ehhotela edolobheni laseDC. Usebenzisa ikhadi lakhe lesikweletu kuphela ukudayisa ukudla nokwengeza imali ekhadini lakhe le-SmarTrip leMetro. Umjikelezo wakhe wokukhokha uphela ngo-5th wenyanga ngayinye. Inkokhelo yakhe kufanele itholakale ngomhlaka 30.

Ikhadi lika-Amara inyanga eyodwa
Kwenzekeni	Inani
Ibhalansi yesitatimende (umjikelezo wokukhokha waphela ngo-5th)	$ 420
Inkokhelo encane ekhonjiswe esitatimendeni	$ 25
Ukuthenga okusha kusuka ku-6 kuya ku-29	$ 150
Ibhalansi yamanje ku-29th	$ 570
Inani u-Amara alikhokha ngomhlaka 29 (ibhalansi ephelele yesitatimende)	$ 420
Inzalo u-Amara ayikhokhela ekuthengeni	$ 0

U-Amara ukhokhe u- $ 420, hhayi u- $ 570. Lokho kwanele, ngoba u- $ 150 ekuthengeni okusha kuzoba esitatimendeni sakhe esilandelayo. Ukube wayekhokhele kuphela ubuncane be- $ 25, wayezokhokha inzalo kwenye i- $ 395. Ukuthenga kwakhe okusha kuzoqala ukukhokhisa inzalo ngokushesha.

Isibonelo

Kungani inkokhelo encane ibiza kangaka

ULuis ushayela uhlelo lokusebenza lokulethwa eSilver Spring. Ukweleta u- $ 2,000 ekhadini nge-24% APR. Uyeka ukusebenzisa ikhadi futhi ufuna ukulikhokha. Kuzothatha isikhathi esingakanani?

24% APR ÷ izinyanga eziyi-12 = 2% ngenyanga; $ 2,000 × 2% = $ 40 inzalo ngenyanga yokuqala

Kulesi sibonelo, inkokhelo encane yi-1% yebhalansi kanye nenzalo yaleyo nyanga, noma i- $ 25, noma yikuphi okungaphezulu. Ngakho-ke inkokhelo yokuqala encane kaLuis ingu- $ 20 + $ 40 = $ 60. Izinkampani zamakhadi zibeka ubuncane ngezindlela ezahlukene, ngakho-ke hlola isivumelwano sakho sekhadi.

Ukukhokha u- $ 2,000 ku-24% APR ngaphandle kokuthenga okusha
Inkokhelo yanyanga zonke	Isikhathi sokukhokha	Inzalo ephelele
Ubuncane kuphela (iqala ku- $ 60, bese iba mncane)	Cishe iminyaka engu-12	$ 2,887
$ 79 ngenyanga (cishe inani leminyaka engu-3)	Iminyaka engu-3	$ 816
$ 100 ngenyanga	Izinyanga ezingama-26	$ 580
Ukukhokha u- $ 100 ngenyanga esikhundleni sokungenani	Cishe iminyaka eyi-10	$ 2,307

Inkokhelo encane iba ncane njengoba ibhalansi yehla, ngakho-ke isikweletu sithatha iminyaka ukuqeda. Inkokhelo ehlala ifana njalo ngenyanga iqeda isikweletu ngokushesha okukhulu. Lezi zinombolo ziyizilinganiso. Amakhadi wangempela engeza inzalo nsuku zonke, ngakho-ke izinombolo zakho zizohluka kancane.

Sebenzisa ibhokisi lesixwayiso esitatimendeni sakho

Ezimweni eziningi, isitatimende sakho kufanele sifake ibhokisi elinamagama athi "Isexwayiso Sokukhokha Okuncane." Ikhombisa ukuthi kuzothatha isikhathi esingakanani ukukhokha ibhalansi yakho uma ukhokha ubuncane kuphela, nokuthi uzokhokha malini ingqikithi. Imvamisa ikhombisa ukuthi uzokhokha malini inyanga ngayinye ukukhokha ibhalansi eminyakeni emi-3. Lezi zinombolo zicabanga ukuthi awuthengi okusha. Ibhokisi liphinde linikeze inombolo yocingo yamahhala ngolwazi mayelana nokwelulekwa ngesikweletu.

Thola ibhokisi lesexwayiso ephepheni lakho noma esitatimendeni esiku-inthanethi.
Funda umugqa wokukhokha ubuncane kuphela. Qaphela inani leminyaka kanye nezindleko eziphelele.
Funda umugqa wokukhokha ibhalansi eminyakeni emi-3. Qaphela inani lenyanga.
Uma uhlelo lwakho lokutshala imali luvumela, khokha okungenani imali yeminyaka emi-3 njalo ngenyanga.
Yeka ukwengeza amacala amasha ekhadini kuze kube yilapho ikhokhelwa.

Ukukhokha okungaphezu kobuncane kuyasiza futhi uma ikhadi elilodwa linezilinganiso ezihlukile, njengokuthenga kanye nemali ekhokhwayo. Ngokomthetho, noma iyiphi imali oyikhokhayo ngaphezu kobuncane ngokuvamile iya kuqala kwibhalansi enezinga lenzalo eliphakeme kakhulu.

Qaphela

Izici ezibizayo okufanele uzigweme

Ukuthuthukiswa kwemali. Ukuthola imali ku-ATM ngekhadi lesikweletu kuyimalimboleko yesikhashana. Imvamisa ukhokha imali, i-APR ephakeme, futhi mhlawumbe imali ye-ATM. Imvamisa ayikho isikhathi somusa, ngakho-ke inzalo iqala ngosuku othatha ngalo imali.
"Ayikho inzalo uma ikhokhwa ngokugcwele" izipesheli. Izitolo namahhovisi ezokwelapha zivame ukunikela ngalezi zivumelwano. Zibizwa ngokuthi inzalo ehlehlisiwe. Uma ngisho nengxenye encane yebhalansi ishiywe lapho isipho siphela, inkampani ingangeza inzalo ebuyela emuva osukwini lokuthenga kwakho. Ukunikezwa kwe-APR kweqiniso kwe-0% kuhlukile: ukhokha inzalo kuphela kulokho okusele ngemuva kokuphela kokunikezwa.
Ukudluliswa kwebhalansi. Ukuhambisa ibhalansi ekhadini elisha kuvame ukubiza imali. Izinga eliphansi kufanele lihlale okungenani izinyanga ezingu-6, ngaphandle kokuthi uneminyaka engaphezu kwezingu-60 sekwephuzile. Lapho iphelile, i-APR ejwayelekile isebenza kulokho okusele.

Ngaphambi kokwamukela noma yikuphi ukunikezwa, bheka igama elithi "uma" nosuku lokugcina. Bhala usuku lokuphela ekhalendeni lakho. Hlukanisa ibhalansi ngenani lezinyanga ekunikezelweni, futhi ukhokhe okungenani lokho okuningi njalo ngenyanga ukuze ikhokhwe ngokugcwele ngesikhathi.

Izinkokhelo sekwedlule isikhathi namalungelo akho

Ukukhokha sekwephuzile kubiza imali futhi kulimaza isikweletu sakho. Imithetho kahulumeni ibeka imingcele ethile.

Imali ekhokhwayo sekwephuzile ayisoze yadlula inkokhelo yakho encane. Imali ingakhuphuka uma sekwephuzile futhi ngaphakathi kwemijikelezo eyisithupha elandelayo yokukhokha.
Uma inkokhelo yakho ingaphezu kwezinsuku ezingama-60 sekwephuzile, inkampani yamakhadi ingakhokhisa inhlawulo ephakeme kwibhalansi yakho ekhona. Uma wenza izinkokhelo ezincane eziyisithupha ngesikhathi ngokulandelana, kufanele yehlise lelo nani futhi.
Ngonyaka wokuqala, inkampani yamakhadi ngokuvamile ayikwazi ukukhuphula isilinganiso ekuthengeni okusha. Ngemuva kwalokho, kufanele ikunikeze isaziso sezinsuku ezingama-45 ngaphambi koshintsho olukhulu, njengesilinganiso esiphakeme.
Uma othile esebenzisa ikhadi lakho lesikweletu ngaphandle kwemvume yakho, imali eningi ongayikweleta yi- $ 50. Bika ikhadi elilahlekile noma elintshontshiwe ngokushesha.
Uma umthethosivivinywa wakho unephutha, njengenkokhelo ongayenzanga, thumela incwadi ekhelini lemibuzo yokukhokha. Kufanele ifike zingakapheli izinsuku ezingama-60 ngemuva kokuthi umthethosivivinywa wokuqala onephutha uthunyelwe kuwe.

Ukukhetha ikhadi lakho lokuqala

Uma umusha esikweletini, ikhadi elivikelekile lingaba ikhadi elilula kakhulu ukulithola. Ukhokha idiphozi, futhi umkhawulo wakho wesikweletu uvame ukufana nediphozithi. Njengoba ukhombisa ukuthi ukhokha ngesikhathi, umkhawulo wakho ungakhuphuka futhi ungathola idiphozi yakho. Ikhadi elingavikelekile alidingi idiphozithi, kepha kunzima ukuthola ngaphandle komlando wesikweletu.

Ingabe ikhona imali yonyaka noma imali yanyanga zonke? Thola ikhadi elingenayo imali ekhokhwayo, noma eliphansi.
Iyini i-APR yokuthenga? Iyini i-APR yokuthuthukiswa kwemali?
Ingabe ikhona imali yokuthengiselana kwamanye amazwe? Amanye amakhadi akhokhisa u-1% kuye ku-3% ekuthengeni ezitolo ezingaphandle kwe-US. Lokhu kubalulekile uma uthenga izinto ezweni lakho noma uhambo.
Ngabe ikhadi libika kuwo wonke amahhovisi amathathu esikweletu: i-Equifax, i-Experian, neTransUnion?
Ungakwazi yini ukusetha izixwayiso nezinkokhelo ezizenzakalelayo?
Ngabe ubuze ibhange lakho noma inyunyana yesikweletu kuqala?

Uma une-ITIN esikhundleni senombolo yokuphepha komphakathi, ezinye izinkampani zamakhadi ziyakwamukela ngesicelo. Kusukela ngoJuni 2026, abalawuli bakahulumeni bacele amabhange ukuthi abheke ngokucophelela amakhasimende asebenzisa i-ITIN. Abanye bangacela eminye imibhalo noma bathi cha, ngakho-ke buza ngaphambi kokufaka isicelo. Ukuze uthole ezinye izindlela zokuqala, bheka Ukwakha Isikweletu kusuka ku-Zero.

Faka isicelo sekhadi elilodwa ngesikhathi. Isicelo ngasinye singangeza uphenyo embikweni wakho wesikweletu.

Ithiphu

Imikhuba egcina ikhadi liwusizo

Setha inkokhelo ezenzakalelayo okungenani ubuncane, ngakho-ke ungalokothi sekwephuzile. Qiniseka ukuthi imali ise-akhawunti yakho yasebhange ngalolo suku. Bese ukhokha ibhalansi yesitatimende ngokwakho ngaphambi kosuku olubekiwe.
Vula izaziso zombhalo noma zohlelo lokusebenza ngokuthenga ngakunye nosuku lwakho olubekiwe.
Gcina ibhalansi yakho iphansi uma kuqhathaniswa nomkhawulo wakho. Ibhalansi engu- $ 300 kumkhawulo we- $ 1,000 isebenzisa i-30% yesikweletu sakho. Okuphansi kungcono kumaphuzu akho. Bona ukuthi yini ehambisa amaphuzu akho wesikweletu.
Sebenzisa ikhadi kuphela ezintweni ezivele ziseceleni kwakho lokutshala imali.

Izinto ezibalulekile

Khokha ibhalansi ephelele yesitatimende ngosuku olubekiwe njalo ngenyanga, futhi awukhokhi inzalo ekuthengeni.
Ukukhokha kuphela ubuncane ku- $ 2,000 ku-24% APR kungathatha cishe iminyaka eyi-12. Ukukhokha u- $ 100 ngenyanga kuthatha cishe iminyaka emi-2.
Ngokuvamile, ama-cash advance awanayo isikhathi somusa, ngakho-ke inzalo iqala ngosuku othatha ngalo imali.
Ngesipho esithi "akukho nzalo uma ikhokhwe ngokugcwele", khokha yonke ibhalansi ngaphambi kokuphela kokunikezwa.
Setha inkokhelo ezenzakalelayo okungenani ubuncane ukuze ungalokothi uphuze.

Qhubekela phambili

Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.

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Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.