Kune mazana emakadhi emakwereti akapararira kune zvakawanda zvekwereti kadhi makadhi. Danho rokutanga pakusarudza kadhi rechikwereti nderokutanga kuti uone rudzi rwekadhi rechikwereti raunoda. Mhando yemakadhi echikwereti pamusika unobva kubva kumusha kana kuti "plain vanilla" isina frills kumakadhi ekutanga uye ane zvakawanda zvinowanikwa uye zvinobatsira.
01 Nheyo kana kuti "Plain-Vanilla" Makadhi eChanho
Iko kadhi kadhi rechikwereti inokubvumira kuti uve nechikwereti chinosvika kusvika pane imwe chikwereti chekwereti . Chikwereti chinoshandiswa kumusoro apo iwe unotenga uye wakawanikwa zvakare kana waita mubhadharo. Imari yekubhadhara mari inoshandiswa kune zvikwereti zvinoshamisa pamagumo emwedzi mumwe nomumwe. Marikiti yemakadhi ane mari shoma inofanira kubhadharwa nerimwe zuva rakakodzera kuti usapedzisira kutora chikwereti.
02 Kuchengetedza Kudhonza Kadhi Codhi
Kunyange zvazvo makadhi akawanda emakadhi anouya nekwaniso yekuendesa zviyero, chikwereti chekubhadhara kadhi rechikwereti ndicho chinopa purogiramu yakaderera yehutano pahuwandu hwekutsinhanisa kwekanguva. Kana iwe uchida kuchengetedza mari pane yakakwirira-nhanho yemari yakaenzana, kubhadhara kutengesa inzira yakanaka yekuenda nayo.
Kuenzanisa kwekutsvaga kunopa kunowirirana muhuwandu hwekutsvaga kwekutsvaga - zvimwe zvakaderera se 0% - uye urefu hwekutsvaga nguva. Icho chiri pasi pasi chikwata chekutsvaga uye nguva yakareba nguva yekutsvaga, iyo inowedzera kukosha kadhi - asi iwe unowanzodikanwa zvakanaka chikwereti kuti uwane.
03 Makomborero Makadhi Makadhi
Sezvo zita racho rinoratidza, mubayiro makadhi ndeaya anopa mibairo pakutenga kadhi rechikwereti.
Iko kune mitatu yakakosha yemhando yemakadhi makadhi: cashback, mapeji, uye kufamba. Vamwe vanhu vanosarudza kugadzirisa kwemari yekubhadhara mari , asi vamwe vakaita sendima dzinogona kuregererwa mari kana zvimwe zvekutengesa. Kufambisa zvikwereti makadhi zvichiri kudiwa pakati pevaya vanofamba kwenguva yakawanda nekuda kwekwanisi yekuwana mahwendefa asingabhadharwi, hogara mahotera, uye mamwe mafambiro ekufambisa.
04 Mudzidzi Makadhi Makadhi
Makadhi emakadhi echikwereti ndeaya akangogadzirirwa vadzidzi vekukoloni nekunzwisisa kuti vechidiki ava vanowanzova nezvishoma kana pasina chikwereti chenhoroondo. Chimwe chekutanga chekwereti yemakadhi wechikwereti kazhinji kacho kazhinji kacho kazhinji kacho kacho kari kambani yemakadhi kechikwereti kune rimwe rudzi rwekadhi rechikwereti.
Makadhi emakadhi echikwereti anogona kuuya nemari yakawedzerwa yakafanana nemubairo kana kuderera kwechikwereti mubhadharo inoshandiswa, asi izvi hazvizi izvo zvinokosha kune vadzidzi vachitsvaga kadhi ravo rechikwereti. Vadzidzi vese vanofanirwa kunyoresa payunivhesiti yemakore mana inobvumirwa kuti vabvumirwe kune kadhi rechikwereti rechikwereti.
05 Charge Cards
Chengeta makadhi hauna purogiramu yekushandiswa kwemari uye zviyero zvinofanira kubhadharwa zvakakwana pamagumo emwedzi mumwe nomumwe. Chengeta makadhi kazhinji hauna mari yekubhadhara mari kana kuti kubhadhara mari shoma sezvo chikwereti chiri kubhadharwa zvakakwana. Kubhadhara kwemazuva mashoma kunoshandiswa kune mari, kubhadharwa mari, kana kukonzera kadhi zvichienderana nekadhi yemvumo yako.
Iwe unowanzodikanwa kuva nekodzero yakanaka yekwereti kuti ukwanise kutenga kadhi kadhi.
06 Secured Credit Cards
Akachengetwa makadhi emakwereti inosarudzwa kune vanhu vasina chikwereti chekwereti kana kuti vakaora chikwereti chakaipa. Makadhi akachengeteka anoda kuchengetedzwa kwekuchengetwa kuiswa pamakadhi. Chikwereti chekwereti pane kadhi rakagadziriswa kadhi rechikwereti kazhinji rakaenzana nehomwe yakagadzirwa padhidhi, asi inogona kuva mune dzimwe nguva. Iwe unenge uchiri kutarisirwa kuti uite mari yepamwedzi pamari yako yakachengetwa kadhi rechikwereti . Tarisa maongorori emakadhi akakwereta akachengeteka .
07 Subprime Credit Cards
Makadhi echikwereti aApriprime chimwe chezvinhu zvakanyanya kukunda kadhi rechikwereti . Aya makadhi echikwereti anotarirwa kune avo vanobvunzwa vane nhoroondo yakaipa yechikwereti uye vanowanzova nemari yakawanda yekutora uye mari. Kunyange zvazvo kubvumirwa kunowanzokurumidza, kunyange kune avo vane chikwereti chakaipa , mazwi acho anowanzovhiringidza. Hurumende yeHurumende yakaita mitemo pamusoro pekubhadharwa kwemari ye subprime credit card issuers inogona kutengesa , asi kadhi vanobudisa mari vanowanzotarisa matanho uye nzira dzokuchera mitemo iyi.
Pasinei nekusava nehanya kwekadhi kadhikiti, vamwe vatengi vanoramba vachikumbira makadhi nokuti havagoni kuwana chikwereti pane imwe nzvimbo.
08 Makadhi akafanirwa
Makadhi akabhadharwa anoda kuti muchengeti wekadhi aise mari mumakadhi asati kashandiswa kadhi. Kutenga kuri kubviswa kubva pakero rekhadi. Mari iyo inoshandiswa haigadzirizve kusvikira mari yakawanda ikakanikidzwa pakadhi.
Makadhi okubhadharwa mari haave nemhosva yemari kana mari shoma kubva apo mari yacho inodzingwa kubva muhomwe yacho. Aya makadhi haasi ma kadhi yemakwereti, uye haakubatsiri zvakananga kuti uvakezve chikwereti chako chikoro . Makadhi akabhadharwa akafanana nemakadhi emadhora, asi haasati asungirirwa nekodha yekuongorora.
09 Kakawanda Purpose Cards
Chinangwa chine chikwereti makadhi emakadhi anogona kungoshandiswa pane dzimwe nzvimbo. Makadhi emagariro asina kukwana anoshandiswa sekadhi kadhikiti nebhadharo shoma uye mari yemari . Chengeta makadhi emakwereti uye gasi makadhi emakwereti mienzaniso yechinangwa chekwereti yemakadhi.
10 Business Credit Cards
Makadhi emakadhi emakadhi akagadzirirwa zvakananga kushandiswa kwebhizimisi Vanopa vashandi vebhizimisi nenzira ine nyore yokuchengeta bhizinesi uye kutengeserana kwevanhu pachavo zvakasiyana. Kune zvikwereti zvekambani zvemari uye makadhi ekubhadhara anowanikwa.
Nhoroondo yako yekwereti inoshandiswa kunyange yebhizimisi kadhi rechikwereti - kadhi rechikwereti rinobvumirana richiri kutarisira munhu oga kuzvidavirira kune chikwereti chekadhi rechikwereti.