Makadhi emakadhi anosiyana mune zvavanopa, asi akawanda makadhi emakadhi ane zvimwechetezvo zvinokosha. Kana ukangonzwisisa zvinhu izvi zvekadhi kadhi rechikwereti, uchava nenguva yakawanda yekusarudza nekushandisa kadhi rechikwereti nekuchenjera.
Credit Card Type
Kwete yose makadhi emakwereti anosikwa zvakaenzana. Kune marudzi akawanda emakadhi emakwereti uye imwe kadhi yemakadhi yemakadhi ingabudisa chero chipi zvacho kana kuti yese, dzimwe nguva kunyange yakawanda shanduro yemhando imwechete yechikwereti chekwereti.
Pano pane zvishoma zvemashoko anozivikanwa zvikuru:
- Murairo kana pachena-vanilla chikwereti chekodha hachina mamwe mahesheni kana zvikwereti, asi inogona kupa chikwata chechikwereti chakaderera chokukwezva vatengi.
- Bhiriji kutumira chikwereti chekwereti inopa mukana wekutangira kutora chikwata chekuda uye dzimwe nguva mari shoma pakuderedzwa.
- Mubayiro wekadhi rechikwereti unopa mubairo pamitengo yaunenge waita.
- Kadhi yekodhi yekwereti ine zvakawanda zvakagadzirwa uye zvikwereti seyunivhesiti yemasevisi, kazhinji yepamusoro yepamusoro mari yegore.
- Rimwe kadhi rechikwereti rinotengesa rinosanganiswa nechitoro chairo uye rinopa mibayiro kana kukanganisa pane zvaunenge uchitenga nechitoro ichocho. Co-branded versions yemakadhi emakadhi ezvitoro vane Visa, MasterCard kana American Express logo uye inogona kushandiswa kupi zvako.
- A kadhi rechikwereti yakachengetwa inoda kuti iwe uite kuchengeteka kuripo kune chikwereti chekwereti uye zviri nyore kugamuchirwa kana uine chikwereti chakaipa.
- Kadhi kadhi rinoda kuti iwe ubhadhe mari yako yakazara mwedzi mumwe nomumwe panzvimbo yekuita mari shoma pamwedzi.
Credit Limit
Mazhinji emakadhi emakadhi ane chikwereti chemari yechikwereti iyo ndiyo yakawanda yebhaari iwe unogona kuva nekadhi rechikwereti pane imwe nguva munguva. Izvi zvinosanganisira kutenga, kuenzanisa kuwedzerwa, mari inofambira mberi, mhosva dzemari, uye mari. Kana iwe ukaenda kune chikwereti chako chemari, muteresi wako anogona kutengesa mari, mari yepamusoro-iyo-mubhadharo kana kusimudza chikwereti chako chekuda.
Mamwe makadhi emakadhi haafaniri kutarirwa kushandiswa kwemari, asi zvinokubvumira kushandisa mari yaunofunga kuti iwe unogona kuripa maererano nemari yako, mari yekwereti uye mari yekushandisa. Mari iyo inoshandiswa haisi kuiswa mumatombo uye inogona kuchinja kubva pamwedzi kusvika pamwedzi zvichienderana nekutenga kwako uye maitiro ekubhadhara. Vakawanda vanobhadhara makadhi havakwanisi kutora nguva yekushandisa mari.
Balance
Nhamba yekadhi yako yekwereti panguva ipi zvayo ndiyo mari yaunoshandisa iwe kusanganisira kutenga, mari yemari, uye mari. Iyo inowedzera chikwereti chako chekadhi rechikwereti, iyo yakaderera chikwereti chiripo iwe unofanirwa kutenga zvimwe zvekutenga. Miyero yakakwirira inokwidza chikwereti chako nekuderedza chikwereti chako chikwereti .
Unogona kutarisa mari yako yekwereti yemari yakakosha paIndaneti kana kudana basa rako rekadhi yekwereti nemutero uri kumashure kwekadhi rako rechikwereti.
APR
Iko gore rega rega rega , kana kuti APR nekuda kwechidimbu, iyo inotora chikwata inoshandiswa kune chero mararamiro aunofambisa panguva yenyasha. Marikiti yemakadhi inogona kuva neApris yakasiyana siyana pamarudzi akasiyana emari, saiyo kuenzanisa kuwedzerwa kana kutenga. Kuenzanisa kunoshandiswa uye mari inofambira mberi inowanzove yakakwirira yeApris kupfuura yekutenga.
Apo APR yako inowedzera kana iwe wakanonoka kubhadhara kwako kune mumwe munhu ane chikwereti, uye vamwe vakweretesi kana chibvumirano chako chekadhi chinosanganisira chikamu chenyika chisipo .
APRs inogona kugadziriswa kana kushandiswa. Rimwe rakagadzirirwa APR rinogona kuchinja, asi uyo ane chikwereti anofanira kukuzivisa iwe nekunyora asati ashandura chiyero. A shanduko APR inoshanduka nguva nenguva zvichienderana nekushandurwa kune iyo yehuwandu yehuwandu.
Nyasha Nguva
Nenguva yenyasha inguva yenguva yaunofanira kubhadhara mubhadharo wako muzere usati waita mari yekushandisa mari. Kana iwe wakatakura chikamu kubva pamwedzi wapfuura, iwe ungasava nenguva yenguva yekutenga kwako kutsva. Mukuwedzera, kuenzanisa kushandiswa uye kufambira mberi kwemari kazhinji hazvina nguva yenyasha.
Kana zviyero zvisina nguva, nyasha dzinoshandiswa pakarepo.
Kuti uwane kuti nguva yenguva yenyasha inorevei kuburitsa kadhi rechikwereti kana chibvumirano chako chekadhi rechikwereti. Zvinyorwa zvako zvemwedzi unofanirwawo kusanganisira nhamba yemazuva munguva yenyasha.
Makomborero uye Perks
Mamwe makadhi emakadhi anopa mibayiro uye zvinokurudzira kushandisa kadhi ravo rechikwereti.
Chikwereti chemari mibayiro inouya mumhando dzakasiyana-siyana: mari kumashure, makiromita anotaura kuti adzikinure, uye anotsvaga pane zvenguva yemberi kutenga. Iwe unogona kuwana mubairo pane vamwe kana zvose zvekutenga kwako uye udzikinure kana wawana humwe huwandu zvichienderana nehupurogiramu purogiramu. Haasi ose makadhi emakwereti anopa mibairo pakutenga.
Kadhi kadikiti inowanzosiyana nekadhi rechikwereti uye inogona kusanganisira zvinhu zvakadai sekubhadhara motokari yveshuwarisi, yakawedzerwa waranti, kutenga uye kutengesa mutengo, uye motokari yemotokari inotora.
Credit Card Chees
Kune mamiriro akasiyana-siyana aungaita mari yekukwereta kadhi rechikwereti . Kazhinji kadhi rechikwereti rinopera rinosanganisira mari yegore negore, mari yebhadharo, mari yekupedzisira, uye kupfuura-iyo-mubhadharo wemari. Iwe unogona kukwanisa kubhadhara mari inobva pane zvaunoshandisa yako kadhi rechikwereti. Semuenzaniso, unogona kudzivisa kubhadhara mari yekupedzisira kuburikidza nekuita chikwereti chako chekwereti panguva iyo mwedzi mumwe nomumwe.