Asi zvimwe zvikwereti zvekadhi rechikwereti uye zvinotakura zvinouya nemari yakavanzwa uye zvikwereti zvinogona kutyisidzira bhajeti yako - kana kukukonzera huwandu huwandu hwemabatsiro akakodzera. Heano zvinhu zvishanu zvikomborero izvo vanhu vazhinji vanofanira kuzvidzivirira.
Credit Card Convenience Checks:
Izvo zvekutsvaga zvisingabhadhari iwe unogamuchira kubva kuchikwereti chako chekwereti zvingaita sekunakidza - kunyanya kana vakatengesera nguva shomanana 0 muzana APR inopa kugoverana kuwedzerwa.
Asi funga kaviri usati wavashandisa. Zvinowanzoona checks zvinouya nemari yakawanda uye mari. Somuenzaniso, kana ukashandisa cheki kuti ubhadhe zvikwereti kana kuti uibhadhara pabhangi, unogona kubhadhara mari yakambomira APR yakareba kusvika 25 kusvika ku36 muzana, uye iwe unogona kutongerwa mutengo wekutengesa. Saizvozvowo, kana ukashandisa cheki kuendesa chikwereti kubva kune imwe kadhi, usingafariri, iwe unogona kunge uchibhadhara mari yekubhadharisa mari yakakwirira kusvika 3 kusvika ku5 muzana.
ATM Cash Kufambira Mberi :
Kushandisa kadhi rechikwereti kubvisa mari kubva kuATM kunewo pfungwa yakaipa. Vamwe vane kadhi rechikwereti vanowedzera mari yakawanda kuti vabvise mari kubva kuATM pane ivo vanobhadhara kuti vashandise nyore kuongorora. Semuenzaniso, anopa mari anogona kukwereta 3 muzana cash advance transaction fee kana iwe ukashandisa cheki, asi ubhadhara chikamu chemari yekutengesa 5 muzana kana iwe ukakanda mari kubva kuATM. Iwe uchazofanirawo kubhadhara mari yakakwirira yepamusoro APR kana iwe ukatakura chikwereti chawakwereta.
Usatarisira kubhadhara mari shoma kana iwe uchingotora zvishoma, zvakadai se $ 20, kana. Vashambadziri vanowanzobhadhara mari shomanana ye $ 10 pamutengo wekutengesa, kana 3 kusvika ku5 muzana yekutengesa zvizere, chero chikamu chikuru.
Kufarira-Kusinganisi Balance Kutengesa:
A zero-percent balance yekutengesa nekutora nguva yakareba inogona kukuchengetedza mari kana uine chikwereti chakawanda chekugunzva, uchikubvumira nguva yekubhadhara chikwereti chako usingasimudzi ruzhinji.
Asi izvi zvinotengeswa zvinowanzobhadhara mari, uye kana kadhi yako ichipa mari yepamusoro-yevhareji mari - yakadai se4 kusvika ku5 muzana yemari yakashandurwa - iwe unogona kusimudza mazana emadhora mubhadharo usati wawana mukana we tora chikoro chako. Iwe uri nani kunze pane kutsvaga kadhi isingatengi mari yekutanga yekubhadhara mari, asi ichiri kupa kukurudzirwa, saBharclaycard Ring MasterCard, BankAmericard Mastercard kana Chase Slate kadi.
Merchandise uye Gift Card Makomborero:
Makawanda emakadhi emakwereti anopa mabhizimusi uye makadhi emadhipa aunogona kutenga nemazano ako. Asi chengetedza kuti uone kana iwe ukakwanisa kushandisa mapepa ako mubairo nekodzero yekuregererwa yakakwirira kutanga. Merchandise uye makadhi emakadhi zvinowanzove nekudzikinura zvido zvakaderera kupfuura mamwe mahora emakadhi , zvakadai sokufamba kana mari-kumashure. Zvichienderana nechikwereti chako chekwereti, zvinoreva kuti mamiriyoni makumi mashanu emigumisiro inogona kukutengesa madhora mazana matatu emakadhi emakadhi ... Icho chisarudzo chakanaka, saka iva nechokwadi chekuti unoita basa rako rechikoro uye unova nechokwadi kuti uri kuwana mari yako inokosha pane dzako.
Makadhi Okudhinda Kewadhi:
Iwe unodawo kuchenjerera nezvekuendesa mibairo yako kunongedzera kune imwe hotera kana purogiramu yekutendeseka kwemhepo.
Mamwe makadhi emakwereti ngaakuendese kuendesa pfungwa dzako pane imwechete 1: 1, saka iwe haurasikirwi chero chinhu chipi zvacho pamakona ako. Asi mamwe mapurogiramu ekuvimbika anoita kuti iwe upedze zvakanyanyisa pfungwa kuti uchinje mibairo yako mune imwe chete yemakiromita emakiromita kana yehotera mhinduro. Kana iwe uchingodikanwa zviduku zvishoma zvehope kuti utenge tikiti kana kuti uwane husiku hwemahotera huripo huripo, kuvhara kukosha kwekadhi rako mhodziro zvikwereti zvingave zvakakosha. Ingoita zvidzidzo usati wabvumirana kutendeuka pfungwa dzako dzakaoma.