Ucwaningo luveza okuhle ngentsha enama-credit card

Bheki Ndlovana

NJENGOBA uJuni kuyinyanga yabantu abasha, namhlanje sibheka indlela abantu abasha abaphatha ngayo imali.

IStandard Bank engelinye lamabhange amakhulukazi eNingizimu Afrika, yenze ucwaningo olumayelana nendlela intsha ephatha ngayo imali. Nakuba abantu abasha baye babukwe njengabantu ababudedengu kakhulu uma kuza kwezokuphathwa kwemali, kodwa lolu cwaningo luveza isithombe esehlukile futhi esithembisayo ngokuziphatha kwabantu abasha.

Lolu cwaningo luthi intsha iyayiqaphela indlela esebenzisa ngayo imali. Empeleni luveza ukuthi ingxenye enkulu yemali yabo abantu abasha isebenza ezintweni eziyizidingo-ngqangi (essentials) zempilo.

Kulezo zinto ezithathwa njengeziyizidingo-ngqangi kubalwa igilosa, izindleko zokuhamba (transport), ezemfundo, izindleko zendlu, ezempilo, ezemfundo, ezokugqoka,  nezokuxhumana ngendlela yedijithali.

Nakuba lubanzi lolu cwaningo lweStandard Bank, kodwa namhlanje sizogxila endabeni yama-credit card.

Iwasebenzisa kanjani intsha
ama-credit cards

IStandard Bank ithi abantu abasha baseNingizimu Afrika bayacophelela ekuthengeni ngezikweletu uma kuqhathaniswa nabadala.

Kulolu cwaningo  kutholakale ukuthi intsha, eneminyaka engaphansi kuka-35, isebenzisa
ama-credit card ezintweni ezifana negilosa, okokunakekela umzimba (personal care), okokuhamba noma ezokuthutha (transport),  nasezindaweni zokudlela.

Kubikwa ukuthi intsha eningi iqala ukuthatha
ama-credit card uma isineminyaka eyevile ku-20, isisondele kwewu-30.

Lo mbiko uthi, ingxenye ewu-36% wentsha
enama-credit card eStandard Bank, ihola imali engaphansi kuka-R5 000 ngenyanga. Enye ingxenye ewu-43% ihola u-R10 000 noma ngaphansi.

Okuqaphelekayo kulo mbiko , wukuthi intsha ephakathi kweminyaka ewu-30 no-35, ithenga kakhulu igrosa nge-credit card, ukwedlula abangaphansi kweminyaka ewu-30.

Nokho uNkz Tumelo Ramugondo, oyi-Head of Credit Cards eStandard Bank, uthi lokhu akusho ukuthi laba abasebenzisa kakhulu ama-credit card ekuthengeni igilosa bathembele esikweletini ukuze bakwazi ukubhekana nezindleko zezinto eziyisisekelo empilweni.

Okunye okuvelile wukuthi uyanda nomkhuba kubantu abasha wokusebenzisa uhlelo lokukhokha olubizwa ngokuthi 'Buy Now, Pay Later' (BNLP). Kutholakale ukuthi sikhula kakhulu isibalo sabantu abangaphansi kweminyaka ewu-35 abasebenzisa lolu hlelo iBNLP.

Ngo-2023 kuthiwa bathenga ngemali efinyelela
ku-R102 million, besebenzisa lona lolu hlelo lokukhokha. Kuthe ngo-2024 bathenga ngemali efinyelela ku-R200 million ngalo lolu hlelo.

Okuhle okuphinde kwavezwa yilolu cwaningo ngezikweletu ze-credit card kubantu abasha, wukuthi bayazikhokhela. Kutholakale ukuthi intsha engaphansi kweminyaka ewu-35 izikhokhela kahle izikweletu ze-credit card.

Nakuba bevamisile ukuwasebenzisa ama-credit card abo, kodwa futhi bayayikhokha imali abasuke sebeyikweleta. Kunenqwaba yentsha okutholakale ukuthi isamile nje ukukhokha ngama-credit card ayo, kodwa igxile  ekukhokheni imali eyikweletayo kuwona ama-credit card.

UNkz Ramugondo uthi lokhu kukhombisa ukuthi abantu abasha bakuqonda kahle ukuthi kumele bawasebenzise kanjani ama-credit card,  ukuze abasize. Uthi ukuyisebenzisa kancane icredit card, bese uyikhokhela njalo, lokho kusiza ekutheni ugweme inzalo, kodwa uzuze kwimihlomulo ehambisana nokusebenzisa i-credit card.