{"id":1201,"date":"2022-08-05T08:13:19","date_gmt":"2022-08-05T08:13:19","guid":{"rendered":"https:\/\/app-cprd-moneyadvice.azurewebsites.net\/?page_id=1201"},"modified":"2025-08-28T10:52:03","modified_gmt":"2025-08-28T10:52:03","slug":"credyd-cynhwysol-fudo-a-reolir","status":"publish","type":"page","link":"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/budd-daliadau-ac-incwm\/credyd-cynhwysol-fudo-a-reolir\/","title":{"rendered":"Credyd Cynhwysol Fudo a Reolir"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_id=&#8221;headerrow&#8221; css=&#8221;.vc_custom_1582300353698{padding-top: 15px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1720176133918{padding-left: 5% !important;}&#8221; el_class=&#8221;whitetext&#8221;]<\/p>\n<h1>Credyd Cynhwysol Fudo a Reolir<\/h1>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;115&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1659691649016{padding-top: 35px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h3><strong>Newidiadau o Ebrill 2024 fydd yn effeithio arnoch chi<\/strong><\/h3>\n<p><strong>Yn ystod y flwyddyn sydd i ddod bydd yr Adran Gwaith a Phensiynau (AGPh) yn cysylltu \u00e2&#8217;r rhan fwyaf o bobl sy&#8217;n derbyn budd-dal oed gweithio \u00e2 phrawf modd. Bydd eich budd-daliadau presennol yn dod i ben, a bydd yn rhaid i chi wneud cais am Gredyd Cynhwysol.\u00a0 Gelwir hyn yn \u201cFudo a Reolir\u201d.<\/strong><\/p>\n<h4><strong>Ydy hyn yn effeithio arna i? <\/strong><\/h4>\n<p>Os ydych yn cael un o&#8217;r budd-daliadau isod efallai y cewch lythyr o&#8217;r enw &#8220;Hysbysiad Mudo&#8221; fydd yn dweud wrthoch chi pryd bydd eich budd-daliadau\u2019n dod i ben, a&#8217;r dyddiad cau ar gyfer gwneud cais am Gredyd Cynhwysol.<\/p>\n<ul>\n<li>Cymhorthdal Incwm<\/li>\n<li>Budd-dal Tai<\/li>\n<li>Lwfans Ceisio Gwaith (Seiliedig ar Incwm)<\/li>\n<li>Lwfans Cyflogaeth a Chymorth (Cysylltiedig ag Incwm)<\/li>\n<li>Credydau Treth<\/li>\n<\/ul>\n<h4><strong>Mae gen i bartner, a oes angen i&#8217;r ddau ohonon ni hawlio?<\/strong><\/h4>\n<p>Oes, mae angen i&#8217;r ddau ohonoch wneud cais CC, fydd wedyn yn cael eu huno.<\/p>\n<h4><strong>Fydda i\u2019n derbyn llai ar Gredyd Cynhwysol?<\/strong><\/h4>\n<p>I lawer o bobl, ni fydd eu budd-daliadau\u2019n lleihau &#8211; gelwir hyn yn &#8220;amddiffyn wrth bontio&#8221;. Efallai y bydd rhai pobl yn cael mwy o arian os ydynt yn hawlio Credyd Cynhwysol.\u00a0 Gallwch ddefnyddio Teclyn <a href=\"https:\/\/cardiff.entitledto.co.uk\/home\/start#\">Cyfrifo Budd-daliadau<\/a> i weld faint o Gredyd Cynhwysol y gallech ei gael, neu gallwch gwrdd ag un o&#8217;n Cynghorwyr Arian a all eich helpu.<\/p>\n<p><strong>Rwy&#8217;n poeni am hawlio Credyd Cynhwysol a gorfod aros am daliad.<\/strong><\/p>\n<p>Os ydych yn cael Cymhorthdal Incwm, Budd-dal Tai, Lwfans Ceisio Gwaith (Seiliedig ar Incwm) neu Lwfans Cyflogaeth a Chymorth (yn gysylltiedig ag incwm) byddwch fel arfer yn cael pythefnos ychwanegol o&#8217;r budd-daliadau hyn, i helpu gyda&#8217;r symud i Gredyd Cynhwysol. Nid oes unrhyw Gredydau Treth Ychwanegol yn daladwy<strong>. <\/strong><\/p>\n<h4><strong>Nid wyf wedi cael llythyr eto- a ddylwn i wneud cais CC? <\/strong><\/h4>\n<p>Na! Gallwch golli arian os byddwch yn hawlio\u2019n rhy gynnar. Gall y T\u00eem Cyngor Arian wirio i chi.<\/p>\n<h4><strong>Mae angen help arna i i wneud cais am Gredyd Cynhwysol<\/strong><\/h4>\n<p>Mae nifer o opsiynau gwahanol o ran cael i helpu i hawlio:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.universal-credit.service.gov.uk\/start\">universal-credit.service.gov.uk\/start<\/a><\/li>\n<li>Llinell gymorth Hysbysiad Mudo Credyd Cynhwysol &#8211; Ff\u00f4n: 0800 328 1744<\/li>\n<li>Gall y <a href=\"https:\/\/www.intoworkcardiff.co.uk\/cy\/ceiswyr-gwaith\/sut-i-ddod-o-hyd-i-ni\/\">Gwasanaeth Cynghori i Mewn<\/a> i Waith eich helpu i wneud eich cais Credyd Cynhwysol ar-lein<\/li>\n<li>Ffoniwch y Llinell Gyngor ar 029 2087 1071.<\/li>\n<\/ul>\n<p>Mae ein Cynghorwyr Arian cyfeillgar yma i&#8217;ch helpu, a gallant helpu gyda chyllidebu a rheoli eich arian.\u00a0 Gallant hefyd wirio eich bod yn hawlio popeth y mae gennych hawl iddo.<\/p>\n<p><strong>Mae ein Cynghorwyr Arian cyfeillgar yma i&#8217;ch helpu, a gallant helpu gyda chyllidebu a rheoli eich arian.\u00a0 Gallant hefyd wirio eich bod yn hawlio popeth y mae gennych hawl iddo.<\/strong><\/p>\n<p><strong>Ffoniwch ni ar 029 2087 1071 neu galwch heibio i&#8217;n gweld <a href=\"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/cysylltu\/\">ni<\/a>.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_id=&#8221;headerrow&#8221; css=&#8221;.vc_custom_1582300353698{padding-top: 15px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1720176133918{padding-left: 5% !important;}&#8221; el_class=&#8221;whitetext&#8221;] Credyd Cynhwysol Fudo a Reolir [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;115&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1659691649016{padding-top: 35px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;] Newidiadau o Ebrill 2024 fydd yn effeithio arnoch chi Yn ystod y flwyddyn sydd i ddod bydd yr Adran Gwaith a Phensiynau (AGPh) yn cysylltu \u00e2&#8217;r rhan&#8230; <a class=\"view-article\" href=\"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/budd-daliadau-ac-incwm\/credyd-cynhwysol-fudo-a-reolir\/\">View Article<\/a>","protected":false},"author":5,"featured_media":0,"parent":503,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1201","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credyd Cynhwysol Fudo a Reolir - Cardiff Money Advice Service<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/budd-daliadau-ac-incwm\/credyd-cynhwysol-fudo-a-reolir\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credyd Cynhwysol Fudo a Reolir - Cardiff Money Advice Service\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_id=&#8221;headerrow&#8221; css=&#8221;.vc_custom_1582300353698{padding-top: 15px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1720176133918{padding-left: 5% !important;}&#8221; el_class=&#8221;whitetext&#8221;] Credyd Cynhwysol Fudo a Reolir [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;115&#8243; alignment=&#8221;center&#8221; css_animation=&#8221;fadeInRight&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1659691649016{padding-top: 35px !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;] Newidiadau o Ebrill 2024 fydd yn effeithio arnoch chi Yn ystod y flwyddyn sydd i ddod bydd yr Adran Gwaith a Phensiynau (AGPh) yn cysylltu \u00e2&#8217;r rhan... 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