Ukuba ujonge ukufaka isicelo seKhadi letyala, unokuzibuza ukuba leliphi inqaku lekhredithi elifunekayo ukuze ulifumane. Ngelixa ivenkile ingashicileli amanqaku afunekayo e-FICO, ungajonga amanqaku akho etyala kwaye ubone ukuba kunokwenzeka ukuba ufaneleke kwikhadi levenkile yesebe okanye kwikhadi letyala rhoqo.
Ukukhetha iiKhadi letyala
I-Sears okwangoku ibonelela ngamakhadi etyala amabini ahlukeneyo, omabini alawulwa yiCitibank. Ngawo amaKhadi amaSears kunye neSears Mastercard.
Ungapheka ixesha elingakanani kwi-oven kwi-350Amanqaku afanelekileyo
- Ezona ndlela zibalaseleyo zokuDibanisa amatyala ekhadi letyala
- Iindlela ezintlanu zokufumana amanqaku amahle okuthenga ngetyala
- Ukuqonda iNqaku leNgxelo yeTyala
Ikhadi leSears
Okuqhelekileyo Sears ikhadi lamatyala likhadi labucala lokuthengisa. Oku kuthetha ikhadi inokusetyenziswa kuphela kwiindawo ezinxulumene neeSears kunye neeSears, kubandakanya iKmart, i-Sears Hardware, kunye nezinye iindawo ezinophawu lweSears.
Izibonelelo zolu hlobo lwekhadi kukuba awudingi ukuba phezulu kwinqanaba le-FICO ukufumana elinye njengekhadi elamkelwe ngokubanzi. Le akhawunti inokuba luncedo ukuba ufuna ukwakha imbali yakho yamatyala okanye ukuba uthenga rhoqo eSears naseKmart.
Sears Mastercard
Inkqubo ye- Sears Mastercard inokusetyenziswa naphina xa yamkelwe i-Mastercard. Kuba ngu ikhadi lophawu oludityanisiweyo Uya kudinga amanqaku aphezulu e-FICO ukuze ufaneleke. Amakhadi aphawulwe ngoxanduva luxanduva lwezezimali zebhanki, hayi iiSears, ke kuya kusebenza imigaqo yesiqhelo yebhanki yokubhala.
I-Sears Mastercard inokuba luncedo kuwe ukuba ungathanda ukufumana imbuyekezo ngokuthenga eSears okanye eKmart kodwa ufuna ubhetyebhetye bokusebenzisa ikhadi kwenye indawo.
usika njani ubudlelwane kunye nosapho
Zenziwa njani izigqibo zeKhadi letyala
Xa ufaka isicelo sekhadi letyala, ugcwalisa isicelo esifaka ulwazi malunga nembali yakho yekhredithi, kodwa nengqesho yakho, indawo yokuhlala kunye nengeniso. Ezi zinto zinokuchaphazela imvume yakho.
Avunyiwe njani amaKhadi oGcino
Iindaba ezimnandi malunga neeleyibheli zokuthengisa zabucala amakhadi kukuba abo imigangatho yemfundo ikhululekile kunamakhadi etyala asebhankini.
- Amakhadi evenkile ethengisa ngaphandle kweMasterCard okanye ilogo yeVisa ibhalwe kwivenkile, oko kuthetha ukuba umthengisi uthatha umngcipheko wezemali. Abathengisi abohlukeneyo banemigangatho eyahlukeneyo- umzekelo, ikhadi letyala leWalmart lifuna amanqaku angama-620 ubuncinci.
- Amakhadi okuthengisa abucala abucala azimisele ngakumbi ukuqaphela izinto ezingaphaya kwenqaku lakho letyala. Ulwazi malunga nomvuzo wakho, imbali yengqesho, kunye nokunye zisetyenziselwa ukumisela amandla kunye nokuzimisela kwakho ukuhlawula.
Nje ukuba uvunyiwe, amanqaku akho etyala kunye nengeniso zisetyenziselwa ukumisela umda wekhredithi yakho. Njengoko uzimisela njengomhlawuli onokuthenjwa ngokuhamba kwexesha, unokubona umda wekhredithi unyukile.
Avunyiwe njani amaKhadi okuthenga ngetyala aSebenzisiweyo
Njengoko sele kukhankanyiwe apha ngasentla, ukukhutshwa kwebhanki kubhala phantsi amakhredithi amakhredithi, kwaye ibhanki ithatha yonke ingozi yemali. Ngenxa yoko, iibhanki zisebenzisa iikhrayitheriya zabo eziqhelekileyo zokuvunywa. Imigangatho yabo iphakame ngokuthe kratya kunakwikhadi elithile levenkile.
zingaphi iintlobo zemithi yesundu ekhoyo
Iibhanki ziyathandabuza ukucacisa ngqo ukuba zeziphi iikhrayitheriya abazisebenzisayo ukuvuma ikhredithi, kodwa kunokwenzeka ukuba ufumane umbono ngokubanzi bafuna ntoni .
- Uzinzo. Ukuba unembali ende yamatyala, ubambe umsebenzi wakho iminyaka embalwa, kwaye unembali yokuhlawula ngexesha, ubonakalisa uzinzo.
- Ukwahluka ngetyala. Ukuba neendidi ngeentengo zemboleko, ezinjengamanye amakhadi etyala, iimali mboleko zemoto, kunye nemali mboleko yesavenge, kunceda ukuba ubonakale njengomngcipheko ongcono kwiinkampani zamakhadi etyala.
- Ireyithi yokusetyenziswa. Ukuba usebenzisa ngaphantsi kwe-33% yekhredithi yakho ekhoyo, ibhanki iya kukubona njengomfaki sicelo onobungozi obuncinci kunomntu osebenzisa inqanaba eliphezulu.
Amanqaku eFICO kwiiKhadi zeMboleko zeSears
Ngokubanzi, kwikhadi labucala lokuthengisa ilebhile, unokuvunywa ukuba amanqaku akho e-FICO akwinqanaba 'lokulunga ukuya kokulungileyo' unokuvunywa. I-Sears, ngakumbi, ikholelwa ukuba lelinye lamakhadi evenkile efumaneka lula.
Ngelixa iiSears zingazikhuphi iindlela zayo zokufumana amanqaku eluntwini, kukho amarhe okuba kunokwenzeka ukuba wamkelwe ukuba unayo Amanqaku e-FICO angama-680 okanye angcono .
Kwikhadi elinophawu lwentengiso, kuya kufuneka ujongane neemfuno zeFICO zeCitibank. I-Citibank, njengabanikezeli abaninzi bekhadi letyala, iyaziwa ukuba inemigaqo engqongqo yokuvunywa kwaye ngokubanzi ifuna ikhredithi elungileyo okanye ebalaseleyo . Oku kuthetha ukuba amanqaku e-FICO ubuncinci angama-700, ekukhethwa ukuba asondele kuma-750.
Yazi amanqaku akho e-FICO
Xa ufaka isicelo sekhadi letyala, ibhanki okanye umthengisi uya kwenza uphando kwikhredithi yakho. Ukuba nemibuzo emininzi ngetyala ngexesha elifutshane kungonakalisa amandla akho okuvunywa. Ukwazi amanqaku akho e-FICO kwangaphambili kukunceda uqonde ukuba unamanqaku anokuvunywa kwiKhadi letyala leSears.
yenza imibala yamehlo aluhlaza
Gcina
