13 Amaqiniso ukuthi ibhange kungaba ukwazi ukuphila kwakho

Ucezu kancane plastic, okuyinto, eqinisweni, yilokho-credit card yakho, ibhange lakho ongamtshela kahle kanjani unakekele ekhaya lakho, indlela umshado wakho, uma ikhasimende okuthembekile nokuningi. Yimaphi amanye amaqiniso ukwazi ebhange elikhiphe ikhadi lakho lesikweletu?

Une izinkinga zomshado

amabhange Iningi basafunda idatha wekhadi ukuze ufunde mayelana nezinkinga zezimali kungenzeka. Le datha ke lungasetshenziswa ukwehlisa credit yakho. Kwakukhona izimo, lapho izinkampani kunciphise etholakalayo umkhawulo wesikweletu amakhasimende abasebenzisa amakhadi ukukhokhela consultant umshado, imigoqo kanye pawnshops.

Awunayo imikhuba engcono

Uma okungenani kanye ukubiza ibhange lapho inhlamba uthukuthele noma kusetshenziswe phambi igama lakho ku database iklayenti kungaba ufake inothi ukuthi sithambekele kuthuke ucingo. Ngemva kwalokho, sonke isikhathi uma ukubiza, abasebenzi yasebhange kwamakhasimende kuyoba sibhekile.

Lokho okwenzile ngehlobo elidlule (kanye ngonyaka ngaphambi)

Amabhange ukulandelela izindawo eziyizintandokazi zakho ukuthi uvakashela. nabo ukuthi yini ATM usebenzisa kakhulu, futhi njengoba ngokuvamile kufakwe isicelo ephathekayo. Nakani izinto ezinjalo - lokhu ingenye yezindlela eziphumelela kakhulu ukubala umkhonyovu.

Yeka indlela abaphumelela kahle ingabe banakekele indlu yakho

Olunye ucwaningo lwembula ukuthi abantu banakekele ikhaya labo, akuvamile asinaso izinkokhelo saziso ekhadini labo. Uma ukuvikela izinto zakho, khona-ke, ngeke iphathe ngokucophelela akhawunti abo.

Ukuphi okwamanje

Uma usuvele unike amandla isevisi yendawo e isicelo credit card yakho, ibhange ungakwazi ukulandelela ukunyakaza zakho izungeze lo muzi. New imishini zokuqapha maduze ngisho ukwazi ukutshela amabhange, kulokho izitolo ethize nihambe, singakanani isikhathi ongasichitha e pass ngamunye.

Bese wena ikhasimende

Uma iklayenti ucela icala ngenzalo ephansi, kunethuba elihle ukuthi uphendvule utsi yebo. Izibalo zithi 78% amakhasimende nge umlando omuhle credit uthole ngenzalo ephansi, lapho bebuzwa ngakho.

Wena - umnikazi ibhizinisi elincane

Amabhange ezifana nalezi amaklayenti. Avame ukwenza okuningi yezitolo futhi njalo ukwenza izinkokhelo ekhadini. Ngezinye izikhathi amabhange bathenga uhlu izinkampani ezintsha futhi izinkampane nge isibopho sezomthetho esilinganiselwe, ukubathumela isiphakamiso ikhadi lesikweletu ibhizinisi.

Ngabe waya kuphi futhi ukuthenga

Amabhange ngokuvamile abambisane abathengisi ukuthi badale Izipesheli wena ngokusekelwe ukuthenga kwakho. Uma njalo ukuthenga imikhiqizo efanayo, izaphulelo ezikhethekile kanye ukukhushulwa kusuka esitolo zingavela yasebhange uhlelo lokusebenza lweselula, lapho wenza ukuthenga (noma esincintisana naye esizama ukukuhungela).

Ingabe emi ukuze sihlale ikhasimende ye ibhange

Uma ushayele edeskini usizo, abanye amabhange avele ukukhanya oluhlaza noma obomvu esikrinini, okuyinto kuxhomeke ezicini ingozi. Lathi abasebenzi asebhange, kungakhathaliseki ukuthi kufanele azame ukugcina wena njengomuntu ikhasimende.

Kuyini isiginesha yakho

Uma abakholelwa zonke kokuchitha ekhadini lakho lesikweletu, amabhange kakhulu ongakuthumela ikhophi irisidi lakho nge isiginesha yakho.

Awazi mayelana nezinzuzo ikhadi lakho

amakhadi esikweletu amaningi anika izinzuzo ezifana umshwalense noma ukuqasha imoto travel, kodwa awazi ngisho ngoba bengakwazi ukusifunda kahle nalokho okulotshwe ukuphrinta elincane.

Ukhuluma kakhulu

Ukwakha ubuhlobo obufanele amakhasimende, amabhange ngokuvamile ubavumele ukuba uhlale ocingweni nje bafuna. Ezinye zazo yilezi izizwe inesizungu futhi angase ahlale phezu umugqa isikhathi esingaphezu kwehora.

Uyahamba ukuyeka amasevisi ebhange

Amabhange sihlaziye idatha ukubona ingabe uyafisa yini ukuthi ukusebenzisa ikhadi futhi ukuthi zikhona yini ezinye zezimpawu ezikhombisa ukuthi ungakwazi ukuvala i-akhawunti yakho. Ezimweni ezinjalo, bangase bazame kukuvimbe.