Amakhadi Esikweletu Angahloli I-Buró e-Mexico

Amakhadi esikweletu angamathuluzi awusizo kakhulu kwezezimali, kodwa akulula ukuthi atholakale kuwo wonke umuntu.

EMexico, abantu abaningi babhekana nobunzima bokuthola ikhadi ngenxa yomlando wesikweletu olinganiselwe noma ongemuhle.

Nokho, zikhona izinketho ezivumela umuntu ukuba athole ikhadi ngaphandle kokudinga ukuhlolwa kwe-Buró de Crédito.

Kulesi sihloko, sizohlola ezinye izindlela, njenge-Klar, Nu, Stori, Vexi, BanCoppel ne-Banco Azteca, ezinemibandela eguquguqukayo nezinzuzo ezikhangayo kulabo abafuna ukuthuthukisa isimo sabo sezezimali.

Kusho ukuthini ukuthola ikhadi lesikweletu ngaphandle kokuhlolwa kwe-Buró de Crédito eMexico

Ukuthola ikhadi lesikweletu ngaphandle kokuhlolwa kwe-Buró de Crédito eMexico kusho ukuthola ulayini wekhredithi ngaphandle kokuthi isikhungo esikhiphayo sibheke umlando wakho wesikweletu.

Lokhu kungaba usizo olukhethekile kubantu abanomlando ongemuhle noma abangenawo nhlobo, njengabantu abasha abangenalwazi lwezezimali noma labo abake babhekana nokubambezeleka kwezinkokhelo esikhathini esidlule.

I-Buró de Crédito isebenza njengesizindalwazi lapho izikhungo zezezimali zibhala khona ukuziphatha kwezezimali kwabasebenzisi.

Umsebenzi wayo ukuhlola izinga lobungozi ngaphambi kokunikeza umuntu ikhredithi entsha.

Nokho, ezinye izikhungo zikhetha ukungakwenzi lokhu kuhlola ukuze zenze kube lula ukuthi amaqembu ayevame ukushiywa ngaphandle athole imikhiqizo yezezimali.

Izinkampani ezifana ne-Klar, i-Stori, i-Nu noma i-Vexi zinikeza amakhadi asebenzisa le ndlela.

Ngisho namabhange afana ne-Banco Azteca ne-BanCoppel aseqalile ukulandela lo mkhuba, esebenzisa ezinye izindlela, njengobufakazi bemali engenayo noma amadiphozithi okuqala, ukuhlola abafaka izicelo.

Lezi zinketho azinikezi ukufinyelela kukhredithi kuphela, kodwa futhi zisiza ukwakha kabusha umlando wesikweletu, zibe yisango lokungena ohlelweni lwezezimali olusemthethweni.

Okulandelayo, sizokukhombisa ukuthi yimaphi amakhadi amakhulu atholakalayo nokuthi yiziphi izinzuzo ezinikezwa ngalinye.

Ikhadi le-Klar: ukuguquguquka nokulungiswa kwamabhalansi

Ikhadi le-Klar selizibeke njengendlela entsha kulabo abafuna ukufinyelela kukhredithi ngaphandle kokuhlolwa kwe-Buró, ikakhulukazi ewusizo kubantu abangenawo umlando noma abanomlando ongemuhle.

Ngenxa yenqubo yayo yokufaka isicelo engu-100% yedijithali ngeplatifomu yayo esemthethweni iKlar México, abasebenzisi bathola impendulo ngokushesha ngaphandle kwamaphepha noma kokuya emagatsheni.

Enye yezinzuzo zayo ezinkulu ukuthi ayikhokhisi ikhomishini yonyaka, okwenza itholakale kalula nakakhulu.

Ngaphezu kwalokho, i-Klar inikeza imikhawulo yekhredithi eguqulwa ngokuya ngokuziphatha kwezezimali komsebenzisi, okuvumela ukuthi athole amanani amakhulu njengoba ebonisa ukuthi uyakwazi ukukhokha ngokwethembeka.

Le ndlela iphinde isize ekwakheni umlando wesikweletu, okuvula amathuba angcono ohlelweni lwezezimali.

Ikhadi le-Klar lihlanganisa izici ezifana nokuphathwa kwalo ngohlelo lokusebenza lweselula kanye nemiklomelo ngokulisebenzisa njalo.

Ukuvumelana nezimo ekukhokheni kwalo kwenza futhi ukuthi livumelane namandla omsebenzisi ezezimali inyanga nenyanga, kukhuthaze ukusetshenziswa kwekhredithi ngobuhlakani.

Lesi siphakamiso siyisinyathelo esiya ekufakweni kwezinkulungwane zabantu baseMexico ohlelweni lwezezimali, abashiywe ngaphandle uhlelo lwendabuko.

Ikhadi le-Nu: isixazululo somlando ongemuhle noma ongekho

Ikhadi lesikweletu le-Nu liyindlela efinyelelekayo kulabo abanomlando wesikweletu ongemuhle noma ongekho nhlobo, njengoba linikeza ithuba lokuthola ikhredithi ngaphandle kokudinga ukubheka i-Buró de Crédito.

Ngenxa yokugunyazwa kwedijithali okungu-100 % kwalo kanye nenqubo eyenziwe yaba lula, abantu abaningi bangafinyelela kule ndlela ngokushesha.

Ngaphezu kwalokho, alinazo izimali ezifihliwe futhi alikhokhisi imali yonyaka, okwenza libe yisixazululo sezezimali esisobala nesiguquguqukayo.

Ikhadi liphinde livumele ukwakha umlando wesikweletu ngokulisebenzisa ngokuzibophezela, ngakho liwusizo kulabo abafuna ukuthuthukisa isimo sabo sezezimali.

Ukuze ulifakele isicelo, kudingeka nje ube neminyaka yobudala esemthethweni, uhlale eMexico futhi ube nomazisi osemthethweni osasebenza, njengoba kuchaziwe ezimfunekweni ezisemthethweni.

Ngenxa yale mibandela, i-Nu izibeka njengenye indlela ebandakanya wonke umuntu, eyenza kube lula ukufinyelela emhlabeni wezezimali, ngisho nakulabo abake benqatshwa ngaphambilini.

Ikhadi le-Stori: ukugunyazwa okusheshayo nezinye izinzuzo

Ukuthola ikhadi le-Stori eMexico kuyinqubo elula futhi eshesha ngokwedlulele.

Kudingeka nje ube nomazisi osemthethweni osasebenza nobufakazi bekheli lokuhlala ukuze uqale ukufaka isicelo usebenzisa iselula.

Ukugunyazwa, ngokusho kwe-Stori Card, kungenzeka ngemizuzu embalwa ngenxa yesistimu yayo yedijithali enezinga lokugunyazwa elingu-99%, elifanele labo abangenawo umlando wesikweletu.

Leli khadi elingenayo imali yonyaka livumela abasebenzisi abasha ukuba baqale ukwakha idumela labo lezezimali ngaphandle kokukhathazeka ngezindleko ezifihliwe noma izinkinga zasebhange.

Ngaphezu kwalokho, linikeza imikhawulo yekhredithi engenziwa ngokwezifiso namaphromoshini akhethekile afana nezinyanga ezingenanzalo.

I-Stori iyindlela yesimanje, efinyelelekayo nephumelelayo kulabo abafuna ukufinyelela kukhredithi ngaphandle kokuboshwa yisimo sabo sezezimali sangaphambilini.

Indlela yayo ebandakanya wonke umuntu nobuchwepheshe obusebenziseka kalula kwenza abantu abaningi ngokwengeziwe bajabulele umkhiqizo wezezimali owenzelwe umsebenzisi wanamuhla, ohlanganisa ukufinyelela ngokushesha kanye nezinzuzo zangempela zokuthuthukisa inhlalakahle yabo yezomnotho.

Ikhadi le-Vexi: imiklomelo ekhangayo ngaphandle kokuhlolwa kwe-Buró

I-Vexi isithandwa njengendlela ethembekile eMexico kubantu abangenawo umlando wesikweletu noma abanomlando ongemuhle ku-Buró.

Leli khadi, elisekelwa yi-Vexi American Express kanye ne-Vexi Carnet, aliceli ubufakazi bemali engenayo noma abaqinisekisi, okwenza kube lula ukuthola ikhredithi.

Ngohlelo lwayo lwamazinga, abasebenzisi bathola izinzuzo ngokuya ngokulisebenzisa kahle, okuhlanganisa imbuyiselo yemali esheshayo engafinyelela ku-5% ezigabeni ezithile.

Ngaphezu kwalokho, livumela ukukhokha ngezitolimende ezimisiwe nokusebenzisa amaphromoshini akhethekile ezinkokhelweni zezinyanga ezingenanzalo, okusiza kakhulu labo abafuna ukuphatha isabelomali sabo.

Ngohlelo lwayo lokusebenza, ukuphatha ikhadi kulula, kuphephile futhi kuqondile, okwandisa ukwethenjwa komsebenzisi.

Inqubo yokufaka isicelo yenziwa ngokuphelele ngedijithali futhi ukugunyazwa kwayo kuvame ukushesha, ngezinga eliphezulu kakhulu lokwamukelwa.

Ngenxa yalezi zici, i-Vexi iba yindlela enhle kakhulu yokuqala noma yokwakha kabusha umlando wezezimali ngaphandle kwezinkinga noma ukushiywa ngaphandle okungadingekile.

I-BanCoppel: ukufinyelela okulula kwabasebenzisi abasha

I-BanCoppel izibeke njengendlela efinyelelekayo kulabo abafuna ukuthola ikhadi lesikweletu ngaphandle kwesidingo sokuba nolwazi lwezezimali lwangaphambilini.

Ngenxa yendlela yayo ebandakanya wonke umuntu, akudingeki ukuba ube nomlando ku-Buró de Crédito ukuze ufake isicelo samakhadi ayo.

Lokhu kuyithuba elihle kakhulu kubantu abasha noma kubantu abanomlando wesikweletu ongemuhle abafuna ukuqala kabusha.

Inqubo yokufaka isicelo ilula: kudingeka nje ube nomazisi osemthethweni osasebenza nobufakazi bekheli lokuhlala, futhi akudingeki ukuthi ufakazele imali engenayo kuzo zonke izimo.

Ngaphezu kwalokho, ikhadi elingenayo imali yonyaka ukuphila kwalo konke lenza lesi siphakamiso sibe nenani elengeziwe, lisikhange nakakhulu kubasebenzisi abasha.

Konke lokhu kuqinisa ukufinyeleleka kalula kwezinsizakalo zezezimali, kukhuthaze ukufakwa kwabantu ohlelweni lwamabhange futhi kunikeze izimo ezivumela abantu ukuba bakhe, babuyise noma baqinise impilo yabo yezezimali ngaphandle kwezithiyo ezengeziwe.

Banco Azteca: ezinye izindlela ngaphandle kokuhlolwa kwe-Buró de Crédito

I-Banco Azteca yenze kwaba lula ukufinyelela emikhiqizweni yezezimali ebandakanya abantu abaningi, ngamakhadi esikweletu angadingi ukuhlolwa kwe-Buró de Crédito, alungele abantu abangenawo umlando wesikweletu noma abanerekhodi elibi.

Isibonelo esivelele yikhadi le-VAS, eliqondiswe kubantu abasha abaneminyaka ephakathi kuka-18 no-25.

Ikhadi le-VAS laseBanco Azteca alidingi ubufakazi bemali engenayo noma umlando wesikweletu wangaphambilini, okwenza kube lula ukuthola isikweletu.

Ngaphezu kwalokho, izimo zalo zihlanganisa ukuvunywa ngokushesha egatsheni noma kuhlelo lokusebenza, okulenza libe inketho esheshayo neqondile.

Kulabo abafuna ukwakha imikhuba yezezimali enempilo, la makhadi anikeza izitolimende eziguquguqukayo ezingenayo imali yonyaka, njengoba kuboniswa imodeli ye-ABCredit Básica.

Ezinye izinguqulo zidinga idiphozithi yokuqala esebenza njengesiqinisekiso, okwenza ikhasimende lizibekele umkhawulo walo.

Le ndlela ikhuthaza ukusebenzisa ngendlela enesibopho futhi inikeza amathuba angempela okwakha kabusha umlando wesikweletu ngemikhiqizo etholakala kalula futhi eyenzelwe umuntu ngamunye.

Ukuqhathanisa okusheshayo nezincomo zokusebenzisa ngendlela enesibopho

Izikhungo zezezimali eziningana eMexico zinikeza amakhadi esikweletu atholakala kalula ngaphandle kwesidingo sokuhlola i-Buró de Crédito, okuyindlela ewusizo kubantu abangenawo umlando wesikweletu noma abanerekhodi elibi.

Phakathi kwezinketho ezithandwa kakhulu kukhona i-Stori, i-Nu, i-Klar ne-Vexi, ngayinye inezici zayo eziqondiswe ezinhlotsheni ezihlukahlukene zabasebenzisi.

Ikhadi	Idiphozithi edingekayo	Imiklomelo
Klar	Kuyazikhethela (ngesiqinisekiso)	Eziyisisekelo
Vexi	Cha	Imbuyiselo yemali efika ku-5%
Nu	Cha	Ayikho
Stori	Cha	Elinganiselwe

Lapho ukhetha la makhadi, kubalulekile ukucabangela ukuthi ungakwazi ukukhokha malini ngenyanga, ngoba amaningi angakhuphula izinga lakho lenzalo uma ungasebenzisi isikweletu ngendlela efanele.

Ngaphezu kwalokho, nakuba amanye anjenge-Vexi enikeza imiklomelo emihle, izinga lawo lenzalo lingase libe phezulu uma umlando wakho wesikweletu ukhula kancane.

Ngakho-ke, funda ngokucophelela isivumelwano nezindleko ezihambisana naso ngaphambi kokufaka isicelo.

Sebenzisa ikhadi ekuthengeni izinto ezibalulekile, njalo ukhokhe imali engaphezu kwenani elincane okufanele likhokhwe ngenyanga, futhi uqinisekise ukuthi ungakhokha ngesikhathi nangendlela efanele.

Lokhu ngeke kukuvimbele nje kuphela ekuzifakeni ezikweletini ngokweqile, kodwa futhi kuzothuthukisa isimo sakho sesikweletu ngokuhamba kwesikhathi, kwenze kube lula ukufinyelela kwezinye izinhlinzeko zezezimali esikhathini esizayo.

Amakhadi Esikweletu angahloli i-Buró ayinketho enhle kakhulu kulabo abadinga ukuthola isikweletu ngokushesha futhi kalula.

Ngezinketho ezifana ne-Klar, i-Nu, i-Stori, i-Vexi, i-BanCoppel ne-Banco Azteca, abathengi bangathola isixazululo esizifanela kangcono izidingo zabo.

Isaziso sezomthetho:
Lesi sizindalwazi sizimele futhi asixhunyanisiwe nanoma iyiphi inhlangano kahulumeni noma yesikhungo sezezimali. Asithembisi ukuthi izicelo zesikweletu zizovunywa futhi asizibophezele ngezilinganiso zenzalo, izikhathi zokukhokha, imigomo noma amaphromoshini anikezwa abantu besithathu. Konke okufanele kwenziwe kumele kwenziwe ngokuqondile kusizindalwazi esisemthethweni sesikhungo ngasinye. Inhloso yethu ukuhlinzeka ngolwazi olujwayelekile nemihlahlandlela yokusiza abasebenzisi ekufuneni kwabo.