xhosa.2252.credit
Ukuthenga ngetyala
LUMKA! Liyaqhubeka iphulo lokufuman' abantu abaninzi abaza kuba namakhadi okuthenga ngetyala (icredit card) eMzantsi Afrika. Ezo asizondaba ezimnandi kubathengi. Ngendlela ekulula ngayo ngoku uyakwazi nokwenza isicelo ngomnxeba, ungajongwa nokuba uwahlawula njani amatyala - "Ndabuzwa nje idilesi abangalithumela kuyo ikhadi," utsho usihlalo weNational Consumer Forum, uThami Bolani, owafowunelwa kaninzi yibhanki yakhe.
Iibhanki ezininzi zawuthoba umvuzo ophantsi ofanele uwamkele ukuze ubenako ukufumana ikhadi lokuthenga ngetyala. Ngokomzekelo uFNB, wayekade efuna wamkele i-R5 000 ngenyanga - ngoku nokuba wamkela i-R2 000 ngenyanga uyamkelwa xa uwahlawula kakuhle amatyala. Phofu ke iimfuno zeebhanki azifani kuba iStandard Bank yamkela nomvuzo we-R1 000 ngenyanga xa ufuna iMasterCard Electronic.
IStandard Bank ikwanika amakhadi okuthenga ngetyala nabathengi bakwaEdgars nabakwaJet abahlawula kakuhle.
"Malunga nesibini esithathwini sabo babengenawo la makhadi, kuba babecinga ukuba abanakuwanikwa," utsho uIan Wood wakwaEdcon.
Kodwa uBolani ukhathazekile kuba amaphulo anjalo azama ukufaka abantu abangathathi-ntweni ematyaleni ngaphambi kokuba kuqale ukusebenza komthetho omtsha weNational Credit Bill kunyaka ozayo.
Ngoko ngaphambi kokuzifumana uvele ngonwele ematyaleni ngenxa yeli khadi, zilungiselele ngolu vavanyo lulandelayo...
UVAVANYO 1: Uyazi... ukuba ikhadi lokuthenga ngetyala liya kongeza ntoni ebomini bakho"
Yazi ukuba ulifunela ntoni eli khadi. Abanye balifunela nje ukungashiywa ngabanye.
Ukanti kwinkoliso yawo kukho imali ehlawulwa ngonyaka "nezinye" iimali ezithile. Zazi ukuba ziyimalini ezo mali phambi kokuba uzibophelele.
n Zibuze oku: Ngaba ndifuna eli khadi kuba liza kundinceda nokuba ndifun' ukuzenzel' igama ebantwini"
UVAVANYO 2: Ngaba uyakwazi... ukonga imali ngekhadi lokuthenga ngetyala"
"Ikhadi lokuthenga ngetyala likunika iintsuku ezingama-55 ungahlawuli nzala kwityala lakho ngokwendlela othunyelelwa ngayo amatyala," utsho uPieter van Wyk, ongusekela-ngqonyela weABSA Card.
Kwakhona, njengoko uhlawula ngokukhupha imali kwiATM, xa usebenzisa eli khadi yivenkile ehlawula iindleko zebhanki.
Kukho ke nezinye iinzuzo ezinjengokufumana i-inshorensi yasimahla yohambo xa usebenzisa ikhadi lakho ukuhlawula iindleko zohambo, izaphulelo ngokuthenga kwiivenkile ezithile, ufumane namanqaku kwiinkqubo ezinjenge-eBucks okanye iiVoyager Miles.
Yiya kuva kwibhanki yakho kuba kunokwenzeka kufuneke uthenge ngemali ethile ngenyanga okanye kufuneka uhlawule imali ethile ukuze uxhamle kwezi nkqubo.
n Zibuze oku: Ngaba izinto endiza kuzizuza ngeli khadi ziyifanele imali endiza kuyihlawula"
UVAVANYO 3: Ngaba uyakwazi... ukwenza ikhadi lakho lokuthenga ngetyala kube lilo elithwala nzima (kungabi nguwe)"
"Eli khadi yindlela entle yokulawua imali yakho - phofu ke ukwazi ukuliphatha kakuhle. Yazi imali oza kuyichitha ngenyanga uze uyihlawule yonke xa kuphel' inyanga. Oko kuya kukwenza ungaze uhlawule imali yenzala," utsho uJan Kleynhans oyiCEO yeFNB Card.
Inkoliso yamakhadi ikwanento ekuthiwa yibudget facility, edla ngokusebenza xa uthenge nge-R200 nangaphezulu. Oku kufuneka kuvunywe yibhanki yakho yaye kuba nowawo umyinge wemali ongayisebenzisa ongadibananga nemali emiselweyo ongathenga ngayo kwikhadi lakho.
Ityala lakho kwibudget facility ulihlawula ukususela kwinyanga ezintandathu kuse kwezingama- 60 uhlawula imali etshiwo yibhanki kwaye imali yenzala kuyo ithe kratya.
Ibudget facility ikunceda ngokuba usoloko unemali-mboleko ongayisebenzisa nanini na xa uyifuna.
n Zibuze oku: Ndingazithemba ukuba ndiza kulisebenzisa kakuhle ikhadi lokuthenga ngetyala ndingayidyakazi nje imali"
UVAVANYO 4: Ngaba uyazazi... izinto ofanele uzithenge nongafanelanga uzithenge ngekhadi lokuthenga ngetyala" Uya kuba ulisebenzisa kakuhle ikhadi lakho xa ulisebenzisa kuba usonqena ukuphath' imali nokukhuph' imali kwiATM xa uyothenga, xa usazi ukuba usebenzisa malini kwaye uqinisekile ukuba uza kukwazi ukuyihlawula loo mali. Xa ukhe wathenga oonobenani abanjenge-airtime nokutya ngalo uya kuqabuka uvele ngonwele ematyaleni.
Umntu owamkela i-R2 000 ngenyanga unikwa ikhadi lokuthenga ngetyala le-R3 000 eFNB utsho uKleynhans. Kodwa ke kufuneka ungawalibali amanye amatyala akho, ubale nokuba uza kuhlawula malini kwityala lekhadi ngaphambi kokuba ulamkele.
Ukhumbule ukuba ebuncinaneni kufuneka uhlawule i-7,5 phesenti yetyala lakho ngenyanga. (Kodwa iMasterCard Electronic yakwaStandard Bank ifuna uhlawule i-10 phesenti okanye i-R100 kuye ngokuba ingakanani na imali oyityalayo.)
Kodwa ukuhlawula eyona mali iphantsi akuyi kukunceda kuba ethubeni kuza kungena nemali yenzala.
n Zibuze oku: Ndingakwazi ukuxhathisa uhendo lokuthenga izinto ezingandifaka ematyaleni ngekhadi lam"
UVAVANYO 5: Ngaba uyakwazi... ukukhusela ikhadi lokuthenga ngetyala kubahlobo abanyolukileyo"
Njengokuba lwandile ulwaphulo-mthetho lwabantu abazibiza ngabany' abantu, kufuneka ulikhusele ikhadi lakho - kungenjalo uya kuzifumana unamatyala ongakhange uwenze.
Iindaba ezimnandi zezokuba awunakuhlawuliswa ngempahla ongayithenganga - phofu ke oko kufuneka ukuxele ngokukhawuleza yaye ubonise nokuba awukhange ungalikhathaleli ikhadi lakho. Oko ke kuthetha ukuba ligcine likhuselekile.
n Zibuze oku: Ndingakwazi ukugcina ikhadi lam lokuthenga ngetyala likhuselekile"
UFUMENE AMANQAKU AMANGAPHI" Xa impendulo yakho ingu-EWE kwimibuzo emithathu yokuqala, ungasenza isicelo sekhadi lokuthenga ngetyala kwibhanki yakho - kodwa uqiniseke ukuba impendulo yakho ithi EWE nakwemibini yokugqibela xa
lifika!
kubhale uPATRICIA McCRACKEN
ifoto siyifumene kwaABSA
Kuya kubalula ngokubalula ngoku ukufumana ikhadi lokuthenga ngetyala - oko ke kwenza kubelula nokuzifak' engxakini xa ungakwazi ukulisebenzisa ngokukuko. Kufuneka upase uVavanyo Lokukwazi Ukuphatha Imali ukuze ungazifumani utyumpa-tyumpeka ematyaleni...
Lumkela eli
khadi!
BONA XHOSA - December 2005
u
Lumkela eli khadi!
t
BONA XHOSA - December 2005
Iziseko zekhadi lokuthenga ngetyala
Qinisekisa ukuba:
n Ujonga imali esekhadini ngaphambi
kokuba usayine.
n Usayina ikhadi lakho emva nje
kokulifumana.
n Uyazijonga ngoko nangoko
wakuzifumana iziteyithimenti zakho.
n Uyayazi indlela yokuxela ikhadi
elilahlekileyo ngokukhawuleza.
Omawukubuze ngekhadi lokuthenga ngetyala
uYimalini imali yekhadi ngonyaka"
uNgaba ufumana ikhadi elinye okanye amabini eniza kuwasebenzisa neqabane lakho, oko kuyimalini, kwaye kuyichaphazela njani imali ongayisebenzisa"
uYimalini ekufuneka uyihlawule ngenyanga ebuncinaneni"
uYimalini ongathenga ngayo kwibudget facility, ivunywa emva kwexesha elingakanani"
uNgaba uza kuyihlawula iLost Card Protection"
uIkho imali yesohlwayo"
uNgaba zikho iindawo elingasebenziyo ikhadi kuzo"
uUngakhupha malini ngalo"
uLiyasebenza kweziny' izinto ezisebenzisa amakhadi ebhanki"
uUzuza ntoni ngokuba neli
khadi" [x]
