Ungase ulahlekelwe amaphuzu abanjwe ngqo nomkhipha ikhadi uma uvala i-akhawunti.
Ngemuva konyaka noma emibili yokuqoqa amamayela namaphoyinti, ungase ulingeke ukuba uqale "ukukhipha" amakhadi esikweletu - ukuvala nokuvula kabusha ama-akhawunti ukuthola isibhonasi sesibili, yesithathu noma yesine ngemuva kokuhlangana nezidingo zokuchitha imali encane. Amanye amabhange ngeke akuvumele ukuthi uthole imali ebhonasi phakathi neminyaka embalwa yokuvala i-akhawunti efanayo, kuyilapho abanye bezimisele ngokwengeziwe ukunikeza amaphuzu ezinkulungwane ngokushintshana kwesinye isibhamu ekukugcineni njengamakhasimende.
Noma ngabe iyiphi indlela, ngokuvamile uzodinga ukuvala i-akhawunti yakho ngaphambi kokuvula entsha.
Ngeke singene ezinkingeni ze-churning, kodwa lo msebenzi ngokuqinisekile uhambisana nezinye izingozi. Okuyinhloko okungacabangi ukucabangela ukuthi ukuvala i-akhawunti yakho (ngisho noma uhlela ukuyivula kabusha isikhathi esifushane kamuva) kungabangela ukuthi ulahlekelwe amaphuzu akho atholakele kanzima, kuye ngokuthi uhlobo lwemali yemali oyikhokhele ukuyikhokhela .
Ngokuvamile, ama-akhawunti axosha amamayela ohlelweni oluvame ukuhamba ngezinyawo olulawulwa yinkampani yezindiza noma i-akhawunti yamaphoyinti ngeketho lehhotela (hhayi ebhange) ahlukanisiwe ngokuphelele kuma-akhawunti akho ekhadi lesikweletu. Ngakho uma uvala ikhadi, amamayela wakho ngezindiza azohlala kuleyo akhawunti ngokungapheli. Amanye amakhadi akhulisa isikhathi sakho sokuphelelwa isikhathi sokuphela kwe-mileage uma nje ugcina i-akhawunti esebenzayo yekhadi lesikweletu, ngakho-ke into okumele uyihlole, kodwa ngokuvamile, ibhange alikwazi ukuthinta amamayela ku-akhawunti yakho ye-flyer njalo, ngakho labo bangokwakho ukugcina ngisho nangemva uvala ikhadi elihlangene.
Amaphuzu abanjwe ngqo nebhange ayindaba ehluke ngokuphelele, noma kunjalo. Ama-akhawunti anemiklomelo yobulungu be-American Express, imivuzo yokugcina ye-Chase kanye ne-Citi's ThankYu uhlala yipulani yenkampani yekhadi lesikweletu. Uma uvala umugqa wesikweletu ohlotshaniswa nenye yalezi zikhawunti zokuvuza, amaphuzu akho azophela, ecabanga ukuthi yilo kuphela ikhadi lekhredithi oye lahambisana ne-akhawunti efanayo yemali.
Enye indlela yokulondoloza lawo maphuzu ukuvula i-akhawunti entsha ehlelwe ukufaka amaphuzu ku-akhawunti yakho ekhona. Uma unekhadi le-American Express Gold kanye nekhadi le-Everyday card elinikezwe i-Akhawunti Yemivuzo Yobulungu, isibonelo, ungavimba enye yamakhadi ngaphandle kokufaka ingozi yokulahlekelwa amaphuzu akho. Uma uvalela kokubili imigqa yesikweletu ngesikhathi esifanayo, noma kunjalo, noma uma unamakhadi owodwa okuxhunywe kuleyo akhawunti ethile Yemivuzo Yobulungu, uzolahlekelwa amaphuzu akho asele.
Into engcono kakhulu ongayenza ukuthi abe nommeleli wasebhange ucacise ukuthi noma uzokwazi yini ukugcina amaphuzu akho ngemuva kokuvala ikhadi elihlangene. Izinqubomgomo zishintsha ngezikhathi ezithile futhi ummeleli wenkonzo yamakhasimende uzokwazi ukuthola ukwaziswa kwamuva. Bangakwazi ukuhambisa amaphuzu kusuka ku-akhawunti eyodwa kuya kwenye, noma benze izincomo mayelana nendlela yokulondoloza ibhalansi yakho.
Uma kucacile ukuthi uzolahlekelwa amaphuzu akho kodwa usadinga ukuvala ikhadi, udlulisele amaphuzu akho ohlelweni lozakwethu, njenge-airline noma i-hotel chain. Ngokuvamile, kungcono ukugcina amaphuzu akho ngenhlelo lwekhadi lesikweletu ukuze ukwandise ukuguquguquka, kepha uma usuzolahlekelwa yiwo, kufanele ukwazi ukugcina okunye kokubaluleka ngokuwahambisa kumlingani wakho.
Uzodinga ukugcina ikhadi lomvuzo livulekele kuze kube sekupheleni, kodwa-ke, ngakho-ke ungabi nebhange lakho livale ikhadi lakho kuze kube amaphuzu avele ku-akhawunti yomlingani.