Dzidza Hurumende Yako-Yakachengetedzwa Kodzero dzeKodha
Kushandiswa kweNew Credit
Paunenge uchitsvaga chikwereti, kadhi rechikwereti haakwanisi kusarura pamusoro pako nekuda kwehutano hwako, rudzi, chitendero, nyika, makore, mararamiro kana kuti iwe unogamuchira rubatsiro rwehuruzhinji.
Chikadhi chekwereti chikwereti chinogona kuramba chikwereti chako chekadhi rechikwereti kana iwe usati wawana nguva yepamutemo yekuwana kadhi rechikwereti. Kadhi kadikiti vanobvisa havakwanisi kuramba chikwereti chako chekadhi nekuda kwekugamuchira rubatsiro rwevanhu uye vanofanira kukubvumira kusanganisira rubatsiro rwevanhu mumari yako.
Kadhi-kadhi yemabhadharo vanofanira kukuudza chigumisiro chekushandisa kwekadhi rako rechikwereti mumazuva makumi matatu. Kana sarudzo yako yakashandurwa , inofanira kukuudza nei uye kukupa mazuva makumi matanhatu kuti uone kuti nei sarudzo yako yakashandurwa. Iwe unokodzero yekuwana chikwereti chekwereti kana chikwereti chako chekubhadhara chikwereti chakarambidzwa kana kana iwe uchibvumirwa asi pane zvinyorwa zvisingabatsiri.
Credit Card Billing
Marikiti yemakadhi inofanira kukutumira iwe chirevo chekubhadhara mazuva makumi maviri asati apera zuva rako rekubhadhara, nguva yakakwana yekuita yako kubhadhara panguva uye kushandisa nguva yenyasha kana iwe uine imwe. Mutemo wako wekubhadhara uchabatanidza zvikwereti uye zvikwereti kuakaunti yako sezvo iri chekupedzisira yekubhadhara .
Ichasanganisirawo kubhadhara kwako kwakaderera , zuva rakakodzera, uye mamwe mashoko pamusoro pekubhadharwa kwekubhadhara kwekubhadhara, uye zvinokonzerwa nekuita mari shoma.
Iwe une kodzero yekupikisa zvikanganiso zvebhadha . Kana kadhi yako yekadhi yekwereti ine mhosho, iwe kazhinji une mazuva makumi matanhatu ekupikisa kukanganisa nekadhi kadhi rechikwereti.
Kunyange zvazvo vakawanda vane kadhi rechikwereti vachabata nharo pamusoro pefoni, unofanira kutora nharo yako mukunyora kuti uone kuti kodzero dzako dzakachengetedzwa zvizere pasi pemutemo.
Mvumo yeCredit Card isina kubvumirwa
Kana kadhi yako yekwereti ishandiswa pasina kubvumirwa kwako , unogona kuderedza chikwereti chako chemhosva nekutora zvimwe zviito . Kutanga, iwe unofanirwa kuudza kadhi rako rechikwereti rakashaikwa nokukurumidza sezvinobvira. Iwe hausi kuzova nemhosva yezvimwe zvikwereti kana iwe ukashuma yako yakabiwa kadhi rechikwereti asati mbavha yawana mukana wekuishandisa, asi iwe unogona kuva wemhosva kusvika ku $ 50 kana iwe wakanonoka kuudza kurasikirwa. Iwe hauna mhosva kune zvose nekuda kwezvikwereti zvakaitwa uchishandisa chete nhamba yako yekadhi rechikwereti iwe uchiri nekadhi rechikwereti iwe.
Credit Reporting
Kadhi kadikoni yako yechikwereti inogona kuudza tsanangudzo pamusoro pekadhi rako rekwereti uye nhoroondo yako yekubhadhara kune chikwereti chekwereti, iyo inonziwo sangano rekubhadhara chikwereti kana hofisi yemari . Iwe une kodzero yekuona chikwereti chako chekwereti uye ona kuti ruzivo rwakataurwa pamusoro pekadhi rako rechikwereti rakarurama. Iwe unogona kukakavara chero ruzivo rwakashata nedare rekwereti kana nekadhi kadhidhikiti.
Kuchinja Kwechibvumirano Chedu CheKadhidhi
Kadhi kadikiti vanotora dzimwe nguva vanoita kuchinja kukuru kune chibvumirano chako chekadhi rechikwereti, sekuwedzera kwekuda kwekuda kwekutora kana kuunza mari itsva yegore negore.
Iwe une kodzero yekuramba kuchinja uku uye kubhadhara kadhi rako rechikwereti pasi pemashoko ako mazvino. Chikwereti chekwereti chikwereti chinofanira kukutumira chiziviso chemazuva makumi maviri nemasere kusati kwachinja kukuru. Vanofanira kukupawo mirayiridzo yekuti ungasarudza sei -kubva pane izvi kuchinja.
Kutarisana Nokudzvinyirirwa Kwekodzero Dzako Kadhidhi
Iwe unogona kutumira kunyunyuta pamusoro pekwereti kadhi rechikwereti anorambidza kodzero dzako nedare rakarongeka rakakodzera. Bhuku rinonzi Consumer Financial Protection Bureau rinosungirwa kutevedzera mitemo yekambani dzemakadhi ekwereti. Nokuda ikozvino, ramba uchitumira kunyunyuta pamusoro pevateresi vateresi uye zvikwereti zvikwereti ku Federal Federal Commission. Masangano akawanda akasiyana-siyana anotonga makambani ekukweretesa kadhi rechikwereti, seNational Credit Union Administration. Iwe unogona kutumira kunyunyuta nemasangano aya zvakare.