Amanqaku akho ekhadi letyala yenye yezona zinto zibalulekileyo ukuba unqwenela ukwenza nayiphi na intengiselwano ngetyala. Amanqaku ekhredithi amele ukukwazi kwakho ukubuyisela imali-mboleko yakho kubabolekisi kwaye kwakha ukuthembela kwabo kuwe.
Yinombolo eneedijithi ezintathu eshwankathela imbali yekhadi lakho letyala kunye nokuba uzenze kakuhle kangakanani iintlawulo ozifunayo ngexesha. Okukhona amanqaku aphezulu, kokukhona angcono!
Amanye amaziko emali nawo axhomekeke kumanqaku akho ekhadi lokuthenga ngetyala kunye nembali ukuze aqinisekise ukuba afanele akuboleke imali, ixesha elingakanani, kwaye ngaliphi ireyithi. Umntu kufuneka ahlale egcina amanqaku ekhredithi ngaphezu kwama-670 ukubonisa ukufaneleka kwabo kwetyala njengokuqina.
Naliphi na inqaku letyala elingaphezulu kwama-800 lithathwa ngokuba ligqwesile kwaye kufuneka libe yinjongo kuninzi lwabasebenzisi bekhadi letyala.
Ke, kubalulekile ukuba uhlale ujonga amanqaku akho etyala rhoqo, kwaye yiyo loo nto sikuzisela uluhlu lwezona zicelo zisibhozo zibalaseleyo ezikuvumela ukuba ujonge amanqaku akho etyala simahla.
1. Fit.Credit
Fit.Credit sisicelo sasimahla esikubonisa amanqaku akho etyala, silinganisa impilo yakho yonke yezemali. Yenza ingxelo yakho yekhredithi kwimizuzwana engama-30 kwaye ikubonelela ngesishwankathelo sokufaneleka kwakho ngetyala.
Ekuphela kwento ekufuneka uyenzile kukufaka inombolo yakho yeselula, sebenzisa i-OTP ethunyelwe kuwe ukuze ungene, faka iinkcukacha zakho zePAN, kwaye ulinde imizuzwana engama-30.
Imveliso ikunika ukufikelela kungekuphela nje kumanqaku ekhredithi kunye neengxelo, kodwa ezinye izinto ezahlukeneyo. Ikubonelela ngogcino olungenamda kumaxwebhu akho emali kwaye ikunika iingcebiso ezenzelwe wena veki nganye malunga nokuba ungawaphucula njani amanqaku akho etyala.
Ayisiyiyo loo nto kuphela, i-Fit.Credit ide ikunike izikhumbuzo ngeentlawulo zakho ezizayo, ukuze ungaze uphoswe nanye kuzo!
Iimpawu eziphambili zeFit.Credit -
- Veza iingxelo ngemizuzwana
- Ixhasa onke amakhadi etyala
- Ibonelela ngeblogi ekuxelela ukuba ungagcina njani amanqaku alungileyo etyala.
- Yandisa ulwazi lwakho lwezezimali
- Iseta izikhumbuzi zentlawulo ezizenzekelayo
- Ibonelela ngezimvo ezikhethekileyo
2. Paytm
Wonke umntu uyazi Paytm nento eyenzayo. Yenye yeentlawulo eziphezulu ze-app zaseIndiya ezikunceda ukuba utshaje, uhlawule, kwaye ufumane imali ngemizuzwana. Ayisiyiyo loo nto kuphela, kodwa ikwakuvumela ukuba uthenge izinto, iincwadi zokubhabha, kunye namatikiti bhanyabhanya, utyala imali kwizitokhwe, uvule iakhawunti yokonga, nokunye okuninzi.
Kodwa enye yezona zinto ziluncedo zePaytm kukuba ikuvumela ukuba ujonge amanqaku akho simahla.
Ukujonga amanqaku ekhadi lakho letyala ngePaytm, ekufuneka uyenzile kukuskena ikhowudi ye-QR kwi-app yePaytm kwaye ulinde imizuzwana embalwa. Unokwenza isicelo semali mboleko okanye amakhadi etyala ngaphakathi kwi-app ngokwayo.
Ikuvumela ukuba ujonge amanqaku akho rhoqo kwaye uhlaziye amanqaku kwangexesha. Nge-Paytm, ufumana iingxelo ezili-12 zasimahla rhoqo ngonyaka, oko kuthetha ukuba ingxelo yenyanga nganye.
Iimpawu eziphambili zePaytm-
- Ukulandelela iiakhawunti zakho kunye namatyala ngohlalutyo oluneenkcukacha
- Ikunceda uphucule amanqaku akho ekhadi letyala
- Ikhusela iinkcukacha zakho
- Ikunika iimali-mboleko ezenzelwe wena kunye nezikhethekileyo
- Ikufundisa konke ngamanqaku akho e-CIBIL
- Ibonelela ngeengcebiso kunye namaqhinga okuphucula amanqaku akho
3. UKUBHALA
UKUBHALA sisicelo sasimahla esikuthumela umvuzo wokuhlawula amatyala akho ekhadi letyala ngexesha. Imivuzo, ekwabizwa ngokuba ziingqekembe ze-CRED, inokusetyenziselwa ukufikelela okukhethekileyo kwiimveliso ezahlukeneyo kunye namava.
Ayisiyiyo loo nto kuphela, kodwa nge-CRED, unokujonga amanqaku ekhadi lakho letyala simahla ngoko nangoko. Ekuphela kwento ekufuneka uyenzile kukungenisa iinkcukacha zakho, kwaye umkhangeli wamanqaku eCRED uya kubala amanqaku akho etyala aze alithumele kuwe.
Ikwaseta izikhumbuzo zakho ukuze wenze zonke iintlawulo zakho ngexesha kwaye ungaze uphoswe ngumhla. Ilungisa zonke iintengiselwano zakho ngoko nangoko ukuze ungalindi ukuba iintlawulo zakho ziphumelele.
Ekugqibeleni, uhlalutyo lwengxelo lukwathunyelwa kuwe olushwankathela yonke into malunga neentlawulo zakho ukukunceda ube nombono ocacileyo wokuba imali yakho iya phi.
Iimpawu eziphambili zeCRED-
- Ikwenza ufunde ngezezimali ngeengcebiso kunye namaqhinga okugcina amanqaku alungileyo etyala.
- Ikunika ulawulo olupheleleyo kwikhadi lakho letyala
- Ikhusela iinkcukacha zakho zemali
- Ibonelela ngohlalutyo olusekwe kudidi lwenkcitho yakho
- Ichonga zonke iintlawulo ezifihliweyo, ukuba zikhona
- Ilandelela umyinge wetyala ngexesha lokwenyani
- Ikubonelela ngemivuzo ekhethekileyo kunye nembuyiselo yemali xa uhlawula ngetyala ngexesha
4. INDmali
INDmoney lusetyenziso lwemali olukhulu olulandelela kwaye lutyale imali yakho kwikhomishini ye-zero. Ikwalawula imali yakho kwiimali-mboleko ezininzi, iirhafu, utyalo-mali, kunye neendleko, zonke ziphantsi kophahla olunye.
Ikwanayo nekhreditha yasimahla ejonga amanqaku ahlaziya amanqaku akho etyala rhoqo ngenyanga. Konke okufuneka ukwenze kukukhankanya iinkcukacha zakho njengeenkcukacha zakho, inombolo yekhadi le-PAN kwaye ulinde imizuzu embalwa de ingxelo yakho yenziwe ngaphandle kweendleko.
Esi sicelo sikwakuvumela ukuba uhlawule i-zero-fund ye-akhawunti yesitokhwe sakho sase-US, ibonelela nge-6.5% yezinga lenzala yediphozithi esisigxina, kwaye ikuncede ucwangcise kwaye ukhulise ixabiso lakho elizayo. Nge-INDmoney, unokufumana ukufikelela kumanqaku ekhredithi e-CIBIL, amanqaku etyala le-Equifax, amanqaku e-Experian credit, kunye ne-CRIF Highmark credit score.
Iimpawu eziphambili ze-INDmoney-
- Ikunceda ukuba ulawule imali kumalungu osapho lonke
- Ukulandelela utyalo-mali lwakho kunye namatyala
- Ikuvumela ukuba utyale imali kwizitokhwe zase-US kunye nee-Etfs
- Iqonga likwakunceda ukuba wonge imali kwiimali mboleko ezikhoyo
- Ikunika ingcebiso eyenzelwe wena
- I-INDmoney iyakufumana imali-mboleko ngokuchasene notyalo-mali lwakho
5. IKharma yeKrenda
IKharma yeKrenda liqonga lasimahla elikuvumela ukuba ujonge amanqaku akho etyala kwaye ucwangcise iinjongo zakho zemali ngempumelelo. Iqonga likufundisa ngamakhadi, imali-mboleko, ukonga, iiakhawunti, ikhredithi, kunye nezihloko ezinxulumeneyo.
Ikwabonelela ngembuyekezo yemali yeKarma ekhawulezileyo kuzo zonke izinto ezithengiweyo ngetyala lemali yeKarma. Imephu yoncedo lolunye uphawu olukunxibelelanisa nenkxaso yegunya oyifunayo, kunye nokhetho loncedo lwetyala lomntu.
I-Credit Karma ibeka iliso kwityala lakho kwaye ikuthumelele izilumkiso ezifunekayo kunye neengxelo ezibalulekileyo. Ikwabonelela ngeembono ezikuncedayo ukuba ufunde ukuba yintoni echaphazela amanqaku akho ekhredithi kunye nendlela ongenza ngcono ngayo. Okokugqibela, ikuthumela iingcebiso zobuqu ekuphuculeni amanqaku akho etyala.
Iimpawu eziphambili zeKhredithi Karma-
- Ibonelela ngemibono yokuhlela ngamanqaku kunye neeblogi
- Uphucula kwaye uphucula iinjongo zakho zemali kunye nocwangciso
- Ikhusela idatha yakho
- I-128-bit kunye ne-encryption ephezulu yokukhusela idatha
- Ikunika ulwazi malunga namakhadi okuthenga ngetyala
- Yenza amanqaku akho ekhredithi kwangoko
6. Ityala
Ityala liqonga lasimahla elikuvumela ukuba ujonge amanqaku ekhadi lakho letyala ngemizuzu. Ikwakunceda ngokubeka iliso kwiinkonzo ezikunceda ugcine amanqaku akho ngokona kukwazi kwakho.
Iqonga libonelela ngohlolo lwetyala lwemini yonke kwaye likwazisa ngotshintsho, ukuba lukhona. Unokufumana la manqaku kunye neengxelo nyanga zonke kwaye ulandele inqaku lekhredithi kwaye wenze isuntswana lakho ekuliphuculeni.
Iqonga likwabonelela ngezinto ezichaphazela amanqaku akho etyala nge-256-bit yezothutho umaleko wokhuseleko. Usetyenziso luyafumaneka kubo bobabini abasebenzisi be-Apple kunye ne-Android.
Iimpawu eziphambili zeCreditWise-
- Ikunceda ukuba uqonde amanqaku akho ekhredithi nzulu
- Igcina lonke utshintsho kumanqaku akho
- Ikuthumelela izilumkiso ze-imeyile malunga nengxelo yakho yetyala, iakhawunti yobunjubaqa, kunye nokunye
- Ubeka esweni ulwazi lwakho lwekhredithi
- Ukulandelela iSSN yakho
- Ihlola iwebhu emnyama ukuze ukhusele ulwazi lwakho kwi-intanethi
7. Ityala.com
Ityala.com sisicelo sasimahla esikunceda ukuba wenze amanqaku akho etyala kwaye ufumane ikhredithi eyongezelelweyo ngaphandle kweendleko ezongezelelweyo. Ikunika uluhlu olwahlukeneyo lwamanqaku angama-28 aqinisekiswe yi-FICO kunye neengxelo ezivela kuwo onke amaziko amathathu aphezulu ekhredithi.
La maziko aquka i-Equifax, i-Experian, kunye neTransUnion. Zonke iingxelo ezineCredit.com ziveliswa rhoqo ngenyanga.
Ungongeza urhwebo kwingxelo yakho yetyala kwaye uxele zonke izinto eziluncedo kunye nerenti kunye neCredit.com. Iqonga libonelela ngokhuseleko lwe-ID, umvuzo ukuya kuthi ga kwi-2500 yeedola, kunye nesaphulelo sokulungiswa kwetyala ukuya kuthi ga kwi-24.99 yeedola ngenyanga. Ezi mpawu zizodwa kwaye azibonelelwa ngobuninzi beqonga lekhredithi yamanqaku akhoyo!
Iimpawu eziphambili zeCredit.com-
- Izaziso zewebhu ezimnyama
- 24/7 esweni isazisi
- Malunga ne-1 yezigidi zeedola ze-inshurensi ngokuchasene nokubiwa kwe-ID
- Ukulandelela amanqaku ekhredithi ngokulula
- Izaphulelo zokulungisa ngetyala
- Ingxelo yerenti kunye nezinto eziluncedo
8. Credit Sesame
Credit Sesame lelinye iqonga lasimahla elibonelela ngamanqaku akho etyala simahla kunye neendlela ezininzi zokuwaphucula. Ayisiyiyo loo nto kuphela, iqonga lide likunike umvuzo wemali xa uphumelele ekuphuculeni amanqaku akho etyala.
Unokufumana ikhadi lakho lengxelo yetyala simahla kunye nezilumkiso zokujonga ngetyala ngeCredit Sesame ngaphakathi kwemizuzu kwaye uhlalutye inkcitho yakho yetyala.
Bade bakufumanele iimveliso zetyala ngakumbi kwaye babonise ukuba iimveliso ezinokukunceda njani ufezekise iinjongo zakho zetyala. Yi-akhawunti yonke-kwinye ekunceda kakhulu ukuba ukhulise umndilili wamanqaku akho etyala kakhulu.
Iimpawu eziphambili zeSesame ngetyala-
- Inikezela ngomphathi wetyala lomntu
- Ibonelela ngezibonelelo zokuphucula ulwazi lwakho lwezezimali
- Lula kwaye ubhalise ngokukhawuleza
- Inikeza ukhuseleko lokubiwa kwesazisi simahla, ukubeka iliso ngetyala, amanqaku, kunye nekhadi lengxelo
- Ikubonelela ngamaqhinga kunye neengcebiso malunga nendlela yokuphucula amanqaku akho ekhredithi
- Inikezela ngembuyekezo yemali yokuphucula amanqaku ekhredithi
isiphelo
Amanqaku ekhadi letyala abaluleke kakhulu ukuba ufuna ukugcina ukufaneleka kwakho kwimalike yokuthatha imali-mboleko xa ifuneka.
Okukhona uphezulu amanqaku akho, lolona gama ungcono unalo phambi kwababolekisi. Yiyo loo nto kubalulekile ukuba uhlale ujonga amanqaku ekhadi lakho letyala kwaye unike ingxelo ukuze uqonde apho unokuphucula khona.
Ezi qonga zibonelela ngezisombululo ezininzi malunga nendlela onokuthi uhlale usebenza ngayo ekuphuculeni amanqaku akho, kwaye eyona nxalenye ilungileyo ngayo kukuba isimahla.
Yufumana lonke ulwazi kunye nemfundo oyidingayo ngokucofa okumbalwa ngaphandle kokuhlawula nantoni na ngembuyekezo. Ukuze ufumane iziphumo ezingcono, qala ukubeka iliso kwinqaku lakho letyala namhlanje kwaye uthathe loo nombolo inamanani amathathu uye kubude obutsha!
Shiya iMpendulo