Iseluleko esibalulekile udinga ukwazi ngaphambi kokusika umvuzo wakho ikhadi lesikweletu
Ngakho, wena nomvuzo wakho ikhadi lesikweletu unqume ukuhamba ngezindlela zakho ezihlukile. Kuyenzeka. Cishe, ubuke kahle imikhuba yakho yokusebenzisa kanye nemivuzo oyitholile - ngaphambi kokufinyelela isinqumo sakho sokugcina ukuthi ikhadi lakho lokuvuza alisebenzi kuwe .
Asikho isixazululo esisayizi-esisodwa-sonke isixazululo: ikhadi elihle kakhulu lomvuzo lihlale lihambisana nawe nendlela yakho yokuphila. Kodwa ngaphambi kokuthi uphule izikhamu, kukhona okuncane okumele kwenziwe futhi akufanele wenze ukuthi uqinisekise ukuthi ukukhansela kuyahamba kahle futhi awulahlekelwa yimuphi umvuzo wakho owuthola kanzima ohlelweni.
Okufanele Ukwenze Ngaphambi Kokuvala Imali Ikhadi Lesikweletu
1. Thola izinkokhelo zakho ngokulandelana
Abaningi abakhipha ikhadi lesikweletu abathandi ibhizinisi elingapheli, ngakho-ke kuzokufuna ukuthi ukhokhe noma yiliphi ibhalansi esele ngaphambi kokuvala i-akhawunti yakho. Lokhu kufaka phakathi noma yikuphi ukuthengiswa okulindile okwamanje ukuze kuvele esitatimendeni sakho.
Futhi ungakhohlwa nganoma yiziphi izinkokhelo ezenzakalelayo ozibekile kumvuzo wakho wesikweletu sesikweletu. Qinisekisa ukwenza amalungiselelo amasha nalawo makampani ukuze ungaphuthelwa noma yiziphi izinkokhelo. Ungase futhi ukwazi ukudlulisela ibhalansi yakho kwenye ikhadi lesikweletu.
2. Funda ukuphrinta okuhle
Phuma izibuko zakho zokufunda uphinde uhambe ngokwemigomo yesivumelwano sakho somnikazi wekhadi. Uma ukhokhele imali yonyaka yamakhadi wakho, kubalulekile ukuhlola ukuthi kwenzekani emalini oyikhokhele uma kwenzeka ukukhansela ngaphambi konyaka.
Ungaba nelungelo lokuthola isaphulelo nganoma iyiphi ingxenye engasetshenzisiwe, futhi lapho ukhona kumjikelezo wakho wokukhokha kubalulekile.
Uma kungenakho ithuba lesaphulelo, ungathola inani elengeziwe ngokugcina ikhadi lonke unyaka. Okungenani uzokwazi ukuthola amaphuzu ambalwa / amamayela ngaphambi kokuthi ukhansele.
3. Khuluma nomkhipha
Izinkampani zekhadi lesikweletu azijabuli ngokulahlekelwa amakhasimende athembekile, ngakho-ke noma usuvele wenze isinqumo sokuvala i-akhawunti yakho, ubazise ukuthi kungani uma ushayele ukukhansela.
Uma uzizwa sengathi imali yonyaka isiphezulu kakhulu, tshela kubo, futhi ungase ukwazi ukuwukhishwa ngonyaka ozayo, ikakhulukazi uma wenze imali enkulu ekhadini lakho. Noma, banganikela ukuphonsa amamayela ambalwa ebhonasi yakho ukuze ugcine ibhizinisi lakho. Akulimazi ukuzama ukuxoxisana - akukho lutho lokulahlekelwa - kodwa ungangeni ekholi elindele ukunikezwa isikhuthazo sokuhlala. Akuhlali njalo.
Okungafanele Ukwenze Ngaphambi Ukuvala Imali Ikhadi Lesikweletu
1. Ungashiyi imivuzo etafuleni
Ngenhlanhla, ezimweni eziningi, uma usuzuze amaphuzu noma amamayela ekhadini lakho lesikweletu, kungokwakho ukugcina ngisho noma ukhansela ikhadi. Uma ikhadi lakho likuthola umvuzo ngehlelo lehhotela noma lendiza , lawo maphuzu / amamayela athola ukungena ku-akhawunti yakho yokuthembeka ye-flier noma yehhotela futhi ngeke ukwazi ukubuyiswa. Noma kunjalo, njalo ubuze umkhiphi ukuqinisekisa ukuthi kwenzekani amaphuzu / amamayela ngemuva kokuthi ikhadi likhanseliwe.
Ukukhansela ukukhishwa kwekhadi lesikweletu ngebhange noma umklomelo wekhadi lesikweletu kungaba nzima nakakhulu. Lapho ukhansela amakhadi kusuka ku-Chase Ultimate Rewards, Imiklomelo yobulungu be-American Express kanye ne-Citi ThankYou Mvuzo, ungase ulahlekelwe imbuyiselo yakho eyitholile. Indlela elula yokugwema lokhu ukuhlenga wonke amaphuzu akho ngaphambi kokukhansela.
Uma lokho kungenakwenzeka, funda emibhalweni yakho yomklomelo othize.
I-Chase ikuvumela ukuthi udlulisele amaphuzu akho kwenye i-Ultimate Rewards amaphuzu-ikhadi lokuthola ngaphambi kokuvala i-akhawunti yakho. I-American Express ikunika izinsuku ezingu-30 kusuka ngosuku lokukhansela ukuze uhlenge amaphuzu wakho Wokubambisana Kwamalungu Uma unomunye, ikhadi le-AmEx esebenzayo. Amaphuzu we-Citi ThankYou kufanele ahlenge zingakapheli izinsuku ezingu-60 zokukhansela, noma abelwe nelinye ilungu zingakapheli izinsuku ezingu-90.
2. Ungagcini futhi ugijime
Uma uqhubeka nokuvala umvuzo wakho wekhadi lesikweletu, umqondo omuhle ukukhuluma nomkhiphayo kungakhathaliseki. Ukusika ikhadi lakho kuyingxenye ye-equation - ukuvala ikhadi lesikweletu kungathinta isaphulelo sakho se-FICO ngoba esinye sezici ezicatshangelwayo ubude bomlando wakho wesikweletu. Shayela inombolo engu-1-800 efakwe ngemuva ukuze uzise umkhiphi futhi uqaphele ukuthi ukukhanselwa kwe-akhawunti kwakuyisicelo sakho .
Kuyinto encane, kodwa kungcono ukuthi lokhu kuqoshwe kumbiko wakho wesikweletu.