zulu.2252.credit
Ungadlali ngesikweleti
QAPHELA! Kunomkhankaso wokwandisa isibalo sabantu abazosebenzisa amakhadi okuthenga ngesikweleti (credit cards) eSA. Manje akusabhekwa nokuthi uzikhokha kanjani izikweleti kanti bakunika leli khadi emva kokuba nengxoxo nawe ocingweni nje kuphela - "Yikheli ababezolithumela kulona kuphela abacela ukuba ngibanike lona," kusho uThami Bolani weNational Consumer Forum.
Sekunesikhathi amabhange amaningi eqale ukwehlisa iholo umuntu okumele alihole ukuze athole ikhadi lokuthenga ngesikweleti. E-FNB, ukwenza isibonelo, kwakudingeka ukuba uhole u-R5 000 ngenyanga ukuze bakunike leli khadi - manje ulithola noma uhola u-R2 000 ngenyanga kodwa kumele ube negama elihle ezikweletini. Okufunwa amabhange kuyashiyana njengoba iStandard Bank sikwazi ukunika umuntu ohola u-R1 000 ngenyanga iMasterCard Electronic.
I-Standard Bank sibuye sisebenzisane namakhasimende anama-account kwa-Edgars nakwaJet ngokuwanika lama khadi uma ekhokha kahle.
"Ingxenye eyodwa kokuthathu kulabo bantu yayingakaze ibe nawo la makhadi ngoba yayicabanga ukuthi ngeke zamukelwe izicelo zayo uma izifaka," kusho u-Ian Wood wakwa-Edcon.
Kodwa abagxeka ukukhishwa kwawo bathi amakhadi alolu hlobo azoheha iningi labathengi abampofu ungakasebenzi umthetho iNational Credit Bill ozoqala ukusebenza ngonyaka ozayo. Ngeke kube lula ukuqinisekisa ukuthi konke kwenziwa ngendlela efanele uma sekukhishwa lawa makhadi.
Ngaphambi kokuzifaka ogibeni lwaleli khadi, zilungiselele ngalesi sivivinyo sethu esilandelayo...
TEST 1: Ngabe uyazi... ukuthi leli khadi lizokwengezani empilweni yakho"
Yazi ukuthi yini oyifunela ikhadi lokuthenga ngesikweleti. Kukhona abantu abangafuni ukusala ezintweni abajatshuliswa wukubonakala bekhipha leli khadi lapho bethenga.
Kodwa kukhona izindleko ozikhokha ngonyaka ukhokhela lelo khadi. Yiba nesiqiniseko sokuthi uyayazi imali ozoyikhokha.
n Zibuze lokhu: Ngabe ngilifunela isizathu esibalulekile leli khadi noma cha"
TEST 2: Ngabe uyazi... ukuthi ungonga kanjani ngekhadi lokuthenga ngesikweleti"
"Ungakwazi ukuthenga ngaleli khadi izinsuku ezingu-55 ngaphandle kokukhokha inhlawulo ngalokho," kuchaza uPieter van Wyk we-ABSA Card.
Okunye, yisitolo esikhokha izindleko zebhange uma usebenzisa leli khadi.
Kukhona nokunye njengomshwalensi wokuvakasha wamahhala owuthola uma usebenzisa ikhadi lakho ukukhokhela uhambo, izaphulelo ozithola uma uthenga, noma imihlomulo enjengama-eBucks noma amaVoyager Miles.
Xoxisana nebhange lakho ngalokhu ngoba kungenzeka kube khona imadlana ozoyikhokha ngenyanga ukuze uthole le mihlomulo.
n Zibuze lokhu: Ngabe ngizoba nawo amandla okukhokha izindleko zaleli khadi"
TEST 3: Ngabe uyazi... ukuthi yini okumele uyenze ukuze ikhadi lakho likusebenzele"
"Ikhadi lokuthenga ngesikweleti liyindlela ekahle ongahlela ngayo imali yakho uma uzoliphatha kahle," kusho uJan Kleynhans, oyiCEO yeFNB Card. "Hlela ukuba imali oyikweletayo ibanjwe ebhange ukuze wenze isiqiniseko sokuthi uyikhokha njalo ngenyanga. Ngaleyo ndlela akukho nzalo ozoyikhokha."
Kwamanye amakhadi unikwa ibhajethi (budget facility) oyithola uma ukhokha u-R200 nangaphezulu. Lokho kumele kugunyazwe yibhange lakho kanti imali abakunika yona ayihlanganiswa naleyo okalelwa ukuba uyisebenzise ekhadini lakho ngesikhathi ulithola.
Uzokhokha nyanga zonke, nokuvame ukuthi kube ngaphezulu kwezinyanga eziyisithupha kuya kwezingu-60. Yibhange lakho elizosho ukuthi yimalini ozoyikhokha kanti nenzalo oyikhokhayo iba nkulu.
n Zibuze lokhu: Ngabe ngizolisebenzisa ngobuhlakani ikhadi lami"
TEST 4: Ngabe uyazi ukuthi... yini ongayithenga ngaleli khadi"
Ikhadi lakho alisoze likuphoxe uma wazi ukuthi libambele indawo yemali okungabe wehla wenyuka nayo ephaketheni kanti uma unalo awubi naxhala lokuphuthuma emshinini uyokhipha imali uma uthenge izimpahla eziningi. Yiba nolwazi lokuthi yimalini oyisebenzisayo ube nesiqiniseko sokuthi uyisebenzisa ezintweni ezisemqoka kakhulu.
Umuntu osuke eqala ukuthola leli khadi ohola u-R2 000 ngenyanga iFNB imnika imali engango-R3 000 okumele ayisebenzise ngokusho kukaKleynhans. Kodwa kusemqoka ukwazi ukuthi izikweleti zakho zingakanani nokuthi unamalini ozoyikhokha ngekhadi lakho ngaphambi kokusebenzisa leyo mali oyinikiwe.
Khumbula ukuthi kumele ukhokhe okungenani u-7,5 percent wemali oyikweletayo. (Kodwa kwiMasterCard Electronic yaseStandard Bank kuba u-10 percent ka-R100.)
Ukukhokha leyo madlana okumele uyikhokhe akusho ukuthi usungakhululeka. Kungenzeka uzithole usukwesikhulu isikweleti ngisho noma ngabe ungasalisebenzisi ikhadi lakho.
Lokho kudalwa wukuthi inzalo isazofakwa emalini oyikweletayo.
Le nkinga iba mandla kakhulu uma kungukuthi imali oyikhokhayo ingaphansi kwenzalo efakwa esikweletini sakho ngenyanga.
n Zibuze lokhu: Ngabe ngizokwazi ukuzithiba ekuthengeni izinto ezingenasidingo"
TEST 5: Ngabe... uyazi ukuthi ungalivikela kanjani ikhadi lakho kubakhwabanisi"
Uwena okumele uvikele ikhadi lakho njengoba sekwande amacala okukhwabanisa eSA - ngale kwalokho ungazithola
usunesikweleti.
Kuyizindaba ezinhle ukuzwa ukuthi ungakwazi ukusizakala uma kukhona osebenzise ikhadi lakho ngokungemthetho kodwa kufanele usheshe ukubike lokhu futhi ube nobufakazi bokuthi akwenzekanga ngenxa yobudedengu bakho.
n Zibuze lokhu: Ngabe ikhadi lami lizophepha kubakhwabanisi"
ATHINI AMAPHUZU AKHO" Uma uphendule ngoYEBO emibuzweni cishe emithathu yokuqala, ungacabanga ukufaka isicelo sokuthola leli khadi - kodwa ube nesiqiniseko sokuthi uyobe usukwazi ukuphendula ngoYEBO emibuzweni emibili yokugcina lapho selifika!
indaba nguPATRICIA McCRACKEN
isithombe ngesihle sabakwa-ABSA
Ave sekulula ukuthola i-credit card - kulula nokuzithola ususenkingeni ngenxa yayo uma ungayazi into oyenzayo. Zihlole ngeFinancial Fitness Test yethu ukuze ungazisoli
ngelinye ilanga...
Qaphela lelo khadi!
BONA ZULU - December 2005
u
Qaphela
lelo khadi!
t
BONA ZULU - December 2005
Okumele ukuqaphele ngekhadi
Yiba nesiqiniseko sokuthi:
n Uyayibheka imali ebhalwe kwi-credit-
card slip ngaphambi kokusayina.
n Sayina ikhadi lakho elisha
ngokushesha emva kokulithola.
n Zihlole ngokushesha izitatimende
zekhadi lakho.
n Kwazi kahle okumele ukwenze uma
ubika ngekhadi lakho elilahlekile noma
elintshontshiwe.
Okumele ukubuze ngekhadi lakho
uNgilikhokhela malini leli khadi ngonyaka"
uNgabe uthola ikhadi elilodwa noma ngaphezulu, lokho kubiza malini kanti kuyithikameza kanjani imali eyisikalo okumele uyisebenzise"
uNgikhokha malini ngenyanga"
uYimalini okumele ngiyisebenzise kanti kuthatha isikhathi esingakanani ukuthi ligunyazwe"
uNgabe ngiyayikhokha imali yokulivikela uma lilahlekile"
uNgabe ikhona inhlawulo engiyikhokhayo"
uNgabe kukhona lapho kungamele lisebenze khona"
uNgingayikhipha imali ngalo" Lokho kubiza malini"
uZikhona ezinye izindawo engingalisebenzisa kuzona"
uKuhle ngani ukuba naleli khadi" [z]
