Kuwana kadhi kadhi rechikwereti kunonakidza, uye kana iri yako yekutanga kadhi rechikwereti, saka iwe unogona kunge wakafara. Usati waita kutenga kwako kokutanga kana kuisa kadhi muhomwe yako, kune zvimwe zvinhu zvaunofanira kuita nekiti yako kechikwereti.
01 Ita yako kadhi kadhi rechikwereti.
Yakawanda mitsva yemakadhi echikwereti ine chitikiti mberi uye nemirairo yekuita kadhi. Izvo zviri nyore. Ingoshevedza nhamba 1-800 uye tevera zvinokurudzira. Kazhinji, iwe unofanirwa kupinda nhamba yekadhi yemakadhi (kana zvichida ndiyo yechina yekupedzisira yenhamba yebhuku), yechina yekupedzisira yehuwandu hwekuchengeteka kwevanhu , ikhodi yebhasi yekubhadhara, uye pamwe nhamba yako yefoni.
Iva nechokwadi chekushevedzera kubva pamba yako yepamba - kana nhamba yefoni yaunoisa pane yako yekushanda. Ngwarira nezvekutengesa mazhenje ekuwedzera-on services, kunyanya kumagadziro ekuchengetedza kadhi rechikwereti kana kukweretesa chikwereti .
02 Verenga mazwi uye uvaendese kure.
Mhemberero nemitemo ibhuku rakareba raunogona kunge usingadi kuverenga zvose mune imwe chete. Nenguva isipi, nemakadhi matsva , vatengi vanofanirwa kuisa mashoko anokosha kupfuura mamwe ose pamapepa. Izvo zvinyorwa zvinosanganisira mari, maitirwo emitengo , nezvimwe zvinhu zvinokosha.
03 Ziva chikwereti chako.
Zvikwereti zvakawanda zvekwereti zvine chikwereti chekwereti - mari yakawanda yaunogona kutengesa pane yako kadhi rechikwereti usingabhadharisi mari kana kuti kubvisa chirango chechirango. Iwe uchange uinewo mari inotangira mberi iyo inogona kunge isiri pasi pemuganhu wekuenzanisa kuendeswa uye kutenga.
Mamwe makadhi emakadhi, kunyanya American Express chikwereti uye makadhi emakadhi, haauye ne preset yekushandisa kwemari . Zvisinei, makadhi aya anoita kuti uwedzere mari yako yekutenga yakawanda zvichienderana nemari yako, mari yekubhadhara , kushandiswa kwemitemo, nezvimwe zvinhu.
04 Teerera kutengesa mazinga.
Kana kadhi yako yekwereti yekwereti yakauya nehuwandu hwekuratidza kufarira , ita nechokwadi kuti unoziva kana inopera. Nechemitemo, kuparidzirwa kwemitengo kunofanira kupedza mwedzi mitanhatu, asi vazhinji vane kadhi rechikwereti vanowedzera zviyero kupfuura iyo nguva shoma. Kunyange zvakadaro, iva nechokwadi chekubhadhara chikamu chako musati purogiramu yekutsvaga yapera kugamuchira zvakanakisisa kugadzirisa. Mamwe mapurogiramu ezvekutsvaga, kureva kutambiswa kwezvido zvekutsvaga, zvichanyatsogadzirisa kare kufarira kana iwe usina kubhadhara chikwereti chakakwana pamagumo ekutengeserana kwekutengeserana.
05 Dzidza purogiramu yako mibayiro.
Ziva ruzivo rwepurogiramu yako yekomboti yekwereti . Nekadhi makadhi emakadhi, kuwana mubairo kwakajeka sekushambadzira kadhi yako yekutenga. Asi mamwe makadhi emakadhi angada kuti iwe ubhabhatire usati watanga kuwana. Kana, iwe unogona kungowana mibairo yekutenga zvimwe. Zivone , somuenzaniso, zvinokubvumira kuwana 5% cashback muzvikamu zvinoshandura mwedzi mishomanana uye iwe unotinyorera kuti utore.
06 Nyora pasi nhamba yebasa revatengi.
Kana kadhi yako yakambosara kana iya iya kuba, iwe unoda kuonana nekadhi kadhi rechikwereti pakarepo kuti urege kuva nemhosva yekupomerwa mhosva. Zvisinei, nekadhi rako risipo, haungakwanisi kuwana nhamba yebasa revatengi kunze kwekuti iwe urichengetedza ikozvino. Nyora pasi nhamba yebasa rekumutengesa uye uichengete munzvimbo yakachengeteka, yakatsaurwa kubva pakadhi rako rechikwereti. Handinokurudzire kuti unyore pasi nhamba yako yekadhi yemakadhi kunze kwekuti iwe uronga kuichengeta munzvimbo yakachengeteka, sekuchengeteka kana kuchengeteka bhokisi.
07 Dzai rekodha yako yepaIndaneti
Kuva akakwanisa kuwana kero yako yekadhi yemakadhi kubva paIndaneti kunoita kuti upenyu huve nyore, kunyanya apo iwe unofambisa mamwe mabhizinesi muIndaneti kupfuura. Iwe unogona kutarisa zvakanakira bhaari yako, kubhadhara , uye kutarisa basa rako rebhuku. Zvose guru rekukweretesa kadhi rechikwereti ngazvibvumire kubhadhara kero yako iri paIndaneti uye vamwe vane zvimwe zvekushandisa nekombiyuta iri muIndaneti, sevatori vebhadharo kana kushandisa mari yekuongorora. Chitupa chako chekwereti chekwereti chingave neine app smartphone iyo inoita kuti zvive nyore kuwana iyo account yako chero nguva uye kupi zvako.
08 Sarudza kana iwe uchida zvinyorwa zvisiri pamapepa.
Zvinyorwa zvisingabhadharwi kana e-billing ndeimwe imwe nzira inopiwa nevakawanda vema-credit card issuers. Panzvimbo pokuwana pepanhau repa pepanhau mune tsamba, unogona kuwana email kukuzivisa iwe chirevo chako chagadzirira. Zvadaro, iwe unokwanisa kuvhara ku account yako yepaIndaneti kuti uone chirevo chako uye uite kubhadhara kwako. Enda kune imwe nzvimbo yako yekadhi yemukwereti kuti uone kana mabhizimusi asina kubhadhara aripo uye kuisa. Ramba uchiyeuka kuti kana iwe ukanyoresa kubhadhara kusina mapepa iwe hauchazovi nekutaura mumeyili.
09 Chimbofunga autopay.
Kana iwe uri rudzi rwekukanganwa kuti mabhiriro anokwana mwedzi woga woga kana iwe unoda kusununguka kwekusafanira kunetseka pamusoro pekubhadhara kwako, unogona kukwanisa kuisa autopay yekodha yako kadhi rechikwereti. Nokubhadhara zvizere, unogona kuisa mari yekubhadhara uye zuva raunotora mari yako mwedzi mumwe nomumwe.
Ngwarira kuti zvinhu zvinogona kufamba zvisina kunaka ne autopay. Semuenzaniso, unofanirwa kusimbisa kubhadharwa kwekugadziridzwa kunenge kuripo kubhadharwa kwakanyanya nekuda kwekudzivisa kutongwa kwakapera . Uye, iwe uchafanira kuva nechokwadi chekudzima mutero kana une $ 0 muyero. Kana kuvharidzira kusina kuwanika kuburikidza nekwereti yako yekwereti, iwe unogona kukwanisa kuiisa nebhangi rako.
10 Chengetedza kadhi munzvimbo yakachengeteka.
Chengetedza kadhi yako yekwereti yechikwereti kubva pakurasikirwa nekuba nekuiisa munzvimbo yakachengeteka, sehomwe yako kana chikwama, uye iva nechokwadi chokuti uridzorere shure mushure mekushandisa kwega. Kana iwe wakagadzira PIN yekadhi rako rechikwereti, uriyeuke uye usambofa wakanyora PIN yako pane kadhi rako rechikwereti kana kuchengeta PIN yacho panzvimbo imwechete sekadhi rako.