Iphepha-mvume lokuqhuba isithuthi elenziwe njengecredit card liphelelwa emva kweminyaka emihlanu lakhutshwa. Usuku lokuphelelwa lubhalwe kulo eli khadi. Phambi kokuba ikhadi eli liphelelwe kufuneka ufake isicelo selinye ikhadi elitsha. Khawufumanise ukuba:

• Ungasifaka njani na isicelo sephepha-mvume lokuqhuba isithuthi
• Ungalihlaziya njani na iphepha-mvume lakho lokuqhuba isithuthi
• Ungalifumana njani na elinye iphepha-mvume lokuqhuba isithuthi xa linokuthi lilahleke okanye libiwe eli ulisebenzisayo

Xa usenza isicelo sephepha-mvume lokuqhuba elitsha kufuneka kunyatheliswe iminwe yakho. Ngabantu abakwiminyaka engaphezulu kwe-18 kuphela abangafaka izicelo zamaphepha-mvume okuqhuba. Ungafaka isicelo sephepha-mvume lokuqhuba lokuqhuba isithuthuthu (esibukhulu bushiyanayo ukuya kuma nge-125 CC) xa uneminyaka engaphezulu kwe-16.

Kufuneka uze nezi zinto:

• uzalise iphetshana lesicelo elingu- DL1
• uphathe iSazisi sakho
• uphathe zonke iimpepha ezikuvumela ukuba uqhube isithuthi eso
• uze kunye nemifanekiso emine yakho efanayo
• uhlawule imali engummiselo ekhutshwayo.

Wakuba usenzile isicelo sephepha-mvume lokuqhuba kufuneka namehlo akho abe kwimeko ekuvumelayo ukuba uqhube xa ebehlolwa, uya kunikwa usuku oya kuvavanywa ngalo.

Olu vavanyo lusebenza ngokwenkqubo iK53 kanti yena umhloli uya kukuqinisekisa ukuba:

• unephepha-mvum elokuqhuba elisemthethweni
• uyazazi kwaye uyaziqonda iimpawu zendlela zezithuthi
• unalo nolwazi ngemithetho yendlela kwaneempawu ezingafaniyo ekufuneka umqhubi wesithuthi eziqwalasele xa eqhuba kwindlela kawonkewonke
• uyakwazi ukusiqhuba esi sithuthi sikhankanywe kwisicelo eso.

Izixhobo zokufunda zikhona ukukunceda ulungiselele ukuhlolelwa ukuqhuba kanti uninzi lwabantu luye lufunde kumntu ofundisa ukuqhuba.

Wakuba uphumelele uvavanyo lokuqhuba, uya kufumana iphepha-mvume lokuqhuba lekhadi.

Xa iphepha-mvume lakho lokuqhuba isithuthi sele lilungile, uya kwaziswa ngeposi. Xa usiya kulithatha eli phepha-mvume, kufuneka uphathe isazisi. Ikhadi elingaphuthunywanga kwisithuba seentsuku ezingama-120 liya kutshatyalaliswa.

Ukuba liza kulandwa ngomnye umntu ongengomnini walo, kufuneka ke umntu lowo abe noku:

• ikopi ezityikitywe zagximfizwa yezazisi zabo bobabini
• Ikopi yesazisi yomqhubi
• Isizathu esifungelweyoi esichaza ukuba kutheni umqhubi lowo engakwazanga kuzizela ngokwakhe, achaze igama nenombolo yesazisi somntu oye kumlandela.

Ungenza isicelo sokufumana iphepha-mvume lokuqhuba elilikhadi kulo naliphi na iziko eli elijongene nokuhlola abaqhubi abasafuna amaphepha-mvume okuqhuba.

Kukho intlawulo elikhulu leerandi

Ukuhlaziya Iphepha-mvume lakho Lokuqhuba Iinqwelo-mafutha elenziwe njengeCredit Card

Iphepha-mvume lakho lokuqhuba iinqwelo-mafutha lisebenza ngokusemthethweni isithuba seminyaka emihlanu kuphela futhi idinga ukuhlazinywa ukuphela kweli xesha. Usuku lokuphelelwa liyabonakala apha kweli phepha-mvume. Uya kuthunyelwa nesikhumbuzo sokulihlaziya ngeposi

Ungalihlaziya iphepha-mvume lakho lokuqhuba phambi nje kokuba liphelelwe. Iphepha-mvume lokuqhuba elitsha liya kusebenza ngokusemthethweni isithuba seminyaka emihlanu ukusuka ngosuku lokuhlaziywa kwalo.

Ukuhlaziya iphepha-mvume lakho lokuqhuba, kufuneka ugcwalise iphetshana lesicelo soko kwiZiko Lokuvavanyela Amaphepha-mvume Okuqhuba elikufutshane nawe. Uya kudinga:

• iphepha-mvume lokuqhuba osalisebenzisayo
• incwadana yakho yesazisi
• imifanekiso enobuso bakho emibini, emnyama namhlophe yencwadana yesazisi

Phambi kokuba iphepha-mvume lakho lokuqhuba libe nokuhlaziywa, kuya kufuneka kuthatyathwe imizila yeminwe yakho futhi kuya kufuneka uye kuvavanyo lwamehlo. Ukuba amehlo akho aya engaboni kakuhle emva kokuba wanikwa iphepha-mvume lokufumana iphepha-mvume lokuqhuba, kusenokongezwa izithintelo kwiphepha-mvume elo litsha. Umzekelo, kungafuneka unxibe iindondo xa uqhuba. Ukuba uthe akwaluphumelela ngokupheleleyo uvavanyo lwamehlo, iphepha-mvume lakho lokuqhuba alisayi kuhlaziywa.

Akuyi kufuneka uphinde uye kuvavanyelwa ukuqhuba kwakhona.

Abemi boMzantsi Afrika abaphesheya kweelwandle ngexesha lokuphelelwa kwamaphepha-mvume abo okuqhuba banokuwahlaziya loo maphepha-mvume kuphela xa bebuyele kweli lizwe. Kusenjalo, xa sele kukhutshwe izohlwayo, abantu abangakhange bakwazi ukuwahlaziya amaphepha-mvume abo okuqhuba iinqwelo-mafutha baya kuba nakho ukufaka izicelo zokungohlwaywa.

Kukho intlawulo elikhulu leerandi yokuhlaziywa kwephepha-mvume lokuqhuba iinqwelo-mafutha.

AMaphepha-mvume Okuqhuba Afunyanwa Emva Kokulahleka Kwangaphambili

Ukuba ngaba iphepha-mvume lakho lokuqhuba lilahlekile, okanye libiwe nokuba lithe latshabalala, kufuneka wenze isicelo sokufumana elinye.

Uya kunikwa iphepha-mvume lokuqhuba lexeshana eliya kusebenza iinyanga ezintandathu okanye de ube ufumene eliny, nokuba yiyiphi eqale yenzeka.

Ukwenza isicelo sokufumanaiphepha-mvume lokuqhuba elitsha, kufuneka ugcwalise iphetshana lesicelo elingu-TDL kulo naliphi na iziko lokuhlola ukuqhuba.

Kufuneka uzise:

• isazisi sakho
• imifanekiso yakho emine.