Amakhadi eTyala Angayijongi iBuró de Crédito eMexico

Amakhadi etyala sisixhobo sezemali esiluncedo kakhulu, kodwa akusoloko kulula ukuba wonke umntu awafumane.

EMexico, abantu abaninzi banengxaki yokufumana ikhadi ngenxa yokuba imbali yabo yekhredithi incinane okanye imbi.

Nangona kunjalo, kukho iindlela zokufumana ikhadi ngaphandle kokuba kuhlolwe iBuró de Crédito.

Kweli nqaku, siza kuhlolisisa ezinye iindlela, ezifana neKlar, Nu, Stori, Vexi, BanCoppel neBanco Azteca, ezibonelela ngemigaqo ebhetyebhetye neengenelo ezinomtsalane kwabo bafuna ukuphucula imeko yabo yezemali.

Kuthetha ukuthini ukufumana ikhadi letyala ngaphandle kokujongwa yiBuró eMexico

Ukufumana ikhadi letyala ngaphandle kokujongwa yiBuró de Crédito eMexico kuthetha ukufikelela kumda wekhredithi ngaphandle kokuba iziko elikhupha ikhadi lijonge imbali yakho yekhredithi.

Oku kunokuba luncedo ngokukhethekileyo kubantu abanembali yekhredithi embi okanye abangenayo kwaphela, njengabantu abatsha abangenawo amava kwezemali okanye abo bakhe balibazisa ukwenza iintlawulo ngaphambili.

I-Buró de Crédito isebenza njengovimba wolwazi apho amaziko emali agcina khona iirekhodi zendlela abasebenzisi abaziphatha ngayo kwezemali.

Umsebenzi wayo kukuhlola inqanaba lomngcipheko ngaphambi kokuba kunikwe ikhredithi entsha.

Nangona kunjalo, amanye amaziko akhetha ukungakwenzi olu hlolo ukuze aququzelele ukufikelela kwiimveliso zezemali kumaqela ebekade engabandakanywa.

Iinkampani ezifana neKlar, Stori, Nu neVexi zibonelela ngamakhadi anale ndlela yokusebenza.

Neebhanki ezifana neBanco Azteca neBanCoppel nazo zilandele lo mkhwa, zisebenzisa ezinye iindlela zokuhlola abafaka izicelo, ezifana nobungqina bengeniso okanye iidiphozithi zokuqala.

Ezi ndlela azivumeli nje ukufikelela kwikhredithi, kodwa zinceda nasekwakheni ngokutsha imbali yekhredithi, zibe lisango lokungena kwinkqubo yezemali esemthethweni.

Apha ngezantsi, siza kukubonisa awona makhadi aphambili afumanekayo neengenelo ezibonelelwa lilinye.

Ikhadi leKlar: ukubhetyebhetye nokulungisa iibhalansi

Ikhadi leKlar libonakala njengokhetho olutsha kwabo bafuna ukufikelela kwikhredithi ngaphandle kokujongwa yiBuró, yaye liluncedo ngakumbi kubantu abangenambali yekhredithi okanye abanembali embi.

Ngenxa yenkqubo yokufaka isicelo eyidijithali eyi-100% kwiQonga elisemthethweni leKlar México, abasebenzisi bafumana impendulo ngoko nangoko, ngaphandle kwamaphepha okanye ukutyelela amasebe.

Enye yeenzuzo zayo eziphambili kukuba ayihlawulisi ntlawulo yonyaka, nto leyo eyenza kube lula nangakumbi ukuyifumana.

Ukongezelela, iKlar ibonelela ngemida yekhredithi etshintshwa ngokwendlela umsebenzisi aziphatha ngayo kwezemali, nto leyo evumela ukufikelela kwiimali ezinkulu ngakumbi xa kubonakala ukuba iintlawulo zenziwa ngenkathalo.

Le ndlela ikwanceda ekukhuliseni imbali yekhredithi, nto leyo evulela amathuba angcono kwinkqubo yezemali.

Ikhadi leKlar linezinto ezinjengokulilawula nge-app yeselula neembuyekezo xa lisetyenziswa rhoqo.

Ukubhetyebhetye kweentlawulo zalo kukwavumela ukuba zilungelelaniswe nemeko yemali yomsebenzisi inyanga nenyanga, nto leyo ekhuthaza ukusetyenziswa kwekhredithi ngobulumko.

Esi sisombululo linyathelo eliya ekubandakanyweni kwezemali kwamawakawaka abantu baseMexico abebengabandakanywa yinkqubo yesiqhelo.

Ikhadi leNu: isisombululo sabantu abanembali yekhredithi embi okanye abangenayo

Ikhadi letyala likaNu lukhetho olufikelelekayo kwabo banembali yekhredithi embi okanye abangenayo kwaphela, kuba linika ithuba lokufumana ikhredithi ngaphandle kokujongwa yiBuró.

Ngenxa yokuvunywa kwedijithali eyi-100 % nenkqubo eyenziwe yalula, abantu abaninzi banokufikelela ngokukhawuleza kolu khetho.

Ukongezelela, alinazo iikhomishini ezifihlakeleyo yaye alihlawulisi ntlawulo yonyaka, nto leyo elenza libe sisisombululo sezemali esicacileyo nesibhetyebhetye.

Eli khadi likwavumela ukuba kwakhiwe imbali yekhredithi xa lisetyenziswa ngenkathalo, yaye liluncedo kwabo bafuna ukuphucula imeko yabo yezemali.

Ukuze ufake isicelo salo, kufuneka ube neminyaka yobudala esemthethweni, uhlale eMexico uze ube nesazisi esisemthethweni esisasebenzayo, njengoko kuchaziwe kwiimfuno ezisemthethweni.

Ngenxa yale miqathango, iNu iba lolunye ukhetho olubandakanyayo nolwenza kube lula ukufikelela kwihlabathi lezemali, kwanabo bakha bakhatywa ngaphambili.

Ikhadi leStori: ukuvunywa ngokukhawuleza nezinye iingenelo

Ukufumana ikhadi leStori eMexico kulula yaye kukhawuleza kakhulu.

Kufuneka nje ube nesazisi esisemthethweni esisasebenzayo nobungqina bendawo ohlala kuyo ukuze uqalise ukufaka isicelo ngeselfowuni.

Ngokutsho kweStori Card, ikhadi linokuvunywa kwimizuzu nje embalwa ngenxa yenkqubo yalo yedijithali enezinga lokuvunywa eliyi-99%, nto leyo elenza lifaneleke kwabo bangenambali yekhredithi.

Eli khadi lingenantlawulo yonyaka livumela abasebenzisi abatsha ukuba baqalise ukwakha igama elihle kwezemali ngaphandle kokukhathazeka ngeentlawulo ezifihlakeleyo okanye iingxaki zebhanki.

Ukongezelela, libonelela ngemida enokulungiselelwa umntu ngamnye nezithembiso ezikhethekileyo ezifana neentlawulo zezavenge zeenyanga ngaphandle kwenzala.

IStori lolunye ukhetho lwale mihla, olufikelelekayo nolusebenzayo kwabo bafuna ukufikelela kwikhredithi bengathintelwanga yimeko yabo yezemali yangaphambili.

Indlela yalo ebandakanyayo nobuchwepheshe obulula ukusetyenziswa benza abantu abaninzi nangakumbi bakwazi ukusebenzisa imveliso yezemali eyenzelwe umsebenzisi wale mihla, idibanisa ukufikelela ngoko nangoko neengenelo zokwenene zokuphucula impilo yabo yezoqoqosho.

Ikhadi leVexi: iimbuyekezo ezinomtsalane ngaphandle kokujongwa yiBuró

IVexi iye yathandwa njengokhetho olunokuthenjwa eMexico kubantu abangenambali yekhredithi okanye abanembali embi kwiBuró.

Eli khadi lixhaswa yiVexi American Express neVexi Carnet, yaye alifuni bungqina bengeniso okanye abaqinisekisi, nto leyo eyenza kube lula ukufikelela kwikhredithi.

Ngendlela yalo yamanqanaba, abasebenzisi bafumana iingenelo ngokwendlela abalisebenzisa kakuhle ngayo, kuquka imbuyekezo yemali ekhawulezileyo enokufikelela kwi-5% kwiindidi ezithile.

Ukongezelela, livumela ukuhlawula ngezavenge ezimiselweyo nokusebenzisa izithembiso ezikhethekileyo zokuhlawula ngezavenge zeenyanga ngaphandle kwenzala, nto leyo eluncedo kakhulu kwabo bafuna ukulawula uhlahlo lwabiwo-mali lwabo.

Kulula, kukhuselekile yaye kuqondile ukulawula ikhadi nge-app yalo, nto leyo eyomeleza intembeko yomsebenzisi.

Inkqubo yokufaka isicelo yidijithali ngokupheleleyo yaye ukuvunywa kwalo kudla ngokukhawuleza, kusamkelwa izicelo ezininzi kakhulu.

Ngenxa yezi zinto, iVexi iba lukhetho oluhle kakhulu lokuqalisa okanye ukwakha ngokutsha imbali yezemali ngaphandle kweengxaki okanye ukubekelwa bucala ngokungeyomfuneko.

BanCoppel: kulula ukufikelela kubasebenzisi abatsha

IBanCoppel iye yaba lolunye ukhetho olufikelelekayo kwabo bafuna ukufumana ikhadi letyala bengadingi ukuba babe nembali yemali yangaphambili.

Ngenxa yendlela yayo ebandakanya wonke umntu, akuyomfuneko ukuba ube nembali yetyala kwi-Buró de Crédito (iziko leengxelo zamatyala) ukuze ufake isicelo samakhadi ayo.

Oku kubonisa ithuba elihle kakhulu kubantu abatsha okanye kubantu abanembali embi yetyala abafuna ukuqala phantsi.

Inkqubo yokufaka isicelo ilula: kufuneka ube nesazisi esisemthethweni esisasebenzayo kunye nobungqina bedilesi; akufuneki kuqinisekiswe ingeniso kuzo zonke iimeko.

Ukongeza, ikhadi elingenamrhumo wonyaka ubomi bonke longeza ixabiso kwesi sipho, lisenzela ukuba sibe nomtsalane ngakumbi kubasebenzisi abatsha.

Konke oku kwenza kube lula ngakumbi ukufikelela kwiinkonzo zemali, kukhuthaza ukubandakanywa kwabantu kwiinkonzo zebhanki kwaye kubonelela ngeemeko ezivumela abantu ukuba bakhe, babuyisele okanye bomeleze impilo yabo yezemali ngaphandle kwemiqobo eyongezelelweyo.

Banco Azteca: ezinye iindlela ngaphandle kokuhlolwa yiBuró

IBanco Azteca yenze kwaba lula ukufikelela kwiimveliso zemali ezibandakanya abantu abaninzi, ngamakhadi etyala angafuni kuhlolwa yiBuró de Crédito, alungele abantu abangenambali yetyala okanye abanembali embi.

Umzekelo obalaseleyo likhadi le-VAS, elenzelwe abantu abatsha abaneminyaka ephakathi kwe-18 ne-25.

I-VAS yeBanco Azteca ayifuni maxwebhu obungqina bengeniso okanye imbali yetyala yangaphambili, nto leyo eyenza kube lula ukufikelela kwityala.

Ukongeza, iimeko zalo ziquka ukuvunywa kwangoko kwisebe okanye kwi-app, nto leyo eyenza libe lukhetho olukhawulezayo noluthe ngqo.

Kwabo bafuna ukwakha imikhwa esempilweni yezemali, la makhadi avumela iintlawulo eziguquguqukayo kwaye akanamrhumo wonyaka, njengoko kuboniswa yimodeli yawo iABCredit Básica.

Ezinye iinguqulelo zifuna idipozithi yokuqala esebenza njengesiqinisekiso, nto leyo evumela umthengi ukuba azibekele umda wakhe.

Le ndlela ikhuthaza ukusetyenziswa okunenkathalo kwaye inika amathuba okwenene okwakha kwakhona imbali yetyala ngeemveliso ezifikelelekayo nezilungiselelwe umntu ngamnye.

Uthelekiso olukhawulezayo neengcebiso zokusebenzisa ngenkathalo

Amaziko aliqela emali eMexico anika amakhadi etyala afikelelekayo ngaphandle kwesidingo sokuhlola iBuró de Crédito, nto leyo eluncedo kubantu abangenambali yetyala okanye abanembali embi.

Phakathi kwezona ndlela zithandwayo kukho iStori, iNu, iKlar neVexi, nganye ineempawu ezilungiselelwe iindidi ezahlukeneyo zabasebenzisi.

Ikhadi	Idipozithi efunekayo	Imivuzo
Klar	Ngokuzikhethela (ngesiqinisekiso)	Ezisisiseko
Vexi	Hayi	Ukuya kuthi ga kwi-5% yemali ebuyiswayo
Nu	Hayi	Akukho
Stori	Hayi	Zilinganiselwe

Xa ukhetha la makhadi, kubalulekile ukuqwalasela amandla akho okuhlawula ngenyanga, kuba amaninzi kuwo anokunyusa izinga lenzala yakho ukuba awulisebenzisi kakuhle ityala.

Ukongeza, nangona amanye amakhadi afana neVexi enika imivuzo emikhulu, izinga lawo lenzala linokuba phezulu ukuba imbali yakho yetyala ikhula kancinci.

Ngoko ke, hlalutya ngononophelo isivumelwano neentlawulo ezinxulumene naso ngaphambi kokuba ubhalise.

Sebenzisa ikhadi kwizinto ezibalulekileyo ozithengayo, soloko uhlawula ngaphezu kweyona mali incinane efunekayo ngenyanga, kwaye uqinisekise ukuba unokuhlawula ngexesha nangendlela efanelekileyo.

Oku akuyi kuthintela nje ukuba ube namatyala angaphezu kwamandla akho, kodwa kuya kuphucula iprofayili yakho yetyala ekuhambeni kwexesha, kuze kube lula ukufikelela kwezinye izibonelelo zemali kwixesha elizayo.

Amakhadi etyala angajongi iBuró lukhetho oluhle kakhulu kwabo bafuna ukufumana ityala ngokukhawuleza nangendlela elula.

Ngeendlela ezifana neKlar, iNu, iStori, iVexi, iBanCoppel neBanco Azteca, abathengi banokufumana isisombululo esihambelana neemfuno zabo.

Isaziso esisemthethweni:
Le webhusayithi izimele kwaye ayinxulumananga nalo naliphi na iziko likarhulumente okanye iziko lezemali. Asiqinisekisi ngokuvunywa kweekhredithi, kwaye asithwali xanduva ngenzala, amaxesha okuhlawula, imiqathango okanye unyuso olunikezwa ngamanye amaqela. Yonke inkqubo kufuneka yenziwe ngokuthe ngqo kwiwebhusayithi esemthethweni yeziko ngalinye. Injongo yethu kukunika ulwazi ngokubanzi nezikhokelo ezinokunceda umsebenzisi ekufuneni kwakhe.