Makadhi akabhadharwa kazhinji haagamuchirwi, izvo zvinoreva kuti haisi yekusarudza.
Kuwana chibvumirano chekadhi rechikwereti risina chikwereti kana kuti yakaipa chikwereti chikoro chakaoma. A kadhi rechikwereti rakachengetwa ringangodaro ndiyo nzira chete yekutanga chikwereti chako kana kuvandudza chikwereti chako chekwereti .
Makadhi emakwereti akachengeteka akafanana nemakadhi okubhadharwa kare nokuti haawanzoregi chikwereti chaicho. Iwe unofanirwa kuisa pasi chekuchengetedza mari iyo inowanzoenzaniswa ne "chikwereti" chako chikamu. Asi ivo ndiyo nzira yakanakisisa kupfuura kadhi rakabhadharwa iwe uri kuedza kuvaka kadhi rechikwereti nokuti kushandiswa kwekadhi yako kunoshushwa kune mahofisi makuru emakwereti. Shandisa kadhi zvakanaka, uye iwe unogona kutanga kuvaka-kana kuvakazve-chikwereti chako. Kuchengetedzwa kwako kuchengetwa kazhinji kunodzorerwa paunopfiga kero yako kana kadhi yemadhidhi inotendesa kadhi rako kune kadhi risina kuchengeteka, iyo dzimwe nguva inosarudzo kana iwe ukaita zvikwereti panguva yakatarwa uye kuchengetedza kero yako mukumira kwakanaka.
Chii chiripo mari?
A kadhi rechikwereti yakachengetwa inogona kuva nemari yekushandira, mari yekugadzirisa, uye mari yegore negore.
Sezvimwe nezvimwe makadhi emakadhi , mari yacho inoratidzwa muhupi uye nemitemo nemamiriro ayo. Iva nechokwadi chokuti uongorore uye unzwisise mari yaunoshandisa usati waita. Enzanisa zvikwereti pane kadhi iwe unofunga nezvemari yemamwe makadhi ekwereti akachengetwa kuti uwane pfungwa yekuti uri kubhadhara zvakanyanya.
Usashandisa mari inodhura yakachengetwa kadhi rechikwereti.
Chinangwa ndechekuvaka chikwereti chako zvakakwana kuti uwane kadhi rechikwereti risina kuchengeteka. Hazvina musoro mukubhadhara kupfuura iwe.
Chii chinonyanya kuchengeteka mari yacho?
Makadhi emakwereti akachengeteka akachengeterwa nebhadhiro inowanikwa mubhuku rekuchengetedza (dzimwe nguva nhoroondo inofarira vanhu) uye inoshandiswa chete kana iwe usina kukwana pamitero yako. Ichava nehuwandu uye huwandu hwemari yemari.
Makadhi ane pasi mashoma madhomwe ari nyore kuwana, asi anewo muganhu wakaderera. Sezvaunenge uchitenga-svetuka, tora pfungwa yeaiti iwe unokwanisa kubhadhara uye kutonga kunze kwemakadhi ane zvishoma zvishoma kuchengetedza zvido kunze kwemari yako.
Chii chichapiwa chikwereti chako?
Chikwereti chako chechikwereti chingangove chakaenzana nekuchengeteka kwako mari. Mamwe makadhi anopa chikwereti chekwereti chakasiyana nedare rekuchengetedza. Iko Capital One Secured MasterCard , somuenzaniso, inobvumira vanofanirwa kubhadharwa kubhadhara mari yekuchengetedza mari yakaderera se $ 49 ye $ 200 chikwereti chikwereti.
Ndeipi APR?
IAAP , kana gore rega rega yepakati, chiyero chechido chinoshandiswa kune zviyero zvaunotakura kunze kwechinguva . Iyo yakakwirira iyo inotora chikwata , iyo yakasimudza mari yako yebhadharo ichave iyo iwe unotakura chikero.
APR yacho ndeimwe yezvinhu zvakakosha zvakasarudzwa nekodhi chero kadhi rechikwereti nokuti rinokurudzira mari yekutakura chikero.
Makadhi emakwereti akachengetedzeka anowanzova nezvikwereti zvinodarika zvikwereti kupfuura makadhikiti asingateteki, saka usatarisira kuwana mukana wokukwikwidza. Iwe unogona kudzivisa kubhadhara chikwereti pachiyero chako kuburikidza kuribhadhara zvachose mwedzi mumwe nomumwe.
Gadzira chitupa chakanaka chechikwereti
Kana iwe uchida kuti kadhi rechikwereti ribatsire kusimbisa kana kugadzirisazve chikwereti chako, iva nechokwadi chokuti chikwereti chekwereti chikwereti chiri kukwereta kune huru huru yemari -Equifax, Experian, uye TransUnion. Makadhi emakwereti akachengetedzeka asingatauri kumahofisi aya anonyatsoshanda makadhi akabhadharwa uye haazobatsiri chikwereti chako. Kuudza kune imwe sangano rekupa chikwereti chekwereti uye hazvizokubatsiri nokuti vanongova vashomanana chete ndivo vanoshandisa zvikwereti zvekwereti .
Iwe unayo here sarudzo yekushandura kune kadhi rechikwereti risina kuchengeteka?
Iyo yakanakisisa yakachengetwa makadhi ekwereti inokubvumira kuti utendeuke kune kadhi risina kuchengeteka mushure menguva yekubhadhara panguva yakakodzera, semwedzi 12 kusvika ku18.
Makadhi asingachengeteki anowanzova nemari shoma (kana kuti hapana mari inoshandiswa zvachose), chikwata chechiderera chepasi , uye zviduku zvishoma. Zvinonyanya kukosha, makadhi asingachengeteki haadi chikamu chekuchengetedza.
Kana kadhi yakanakisisa kwauri iwe isingashanduki kune kadhi risina kuchengetedzeka rechikwereti , haisi kunyanya kunetseka. Iwe nguva dzose unogona kushanda kune kadhi rechikwereti risina kuchengetedzeka kana iwe wakagadzira nhoroondo yekukwereta uye kubhadhara.
Iko kadhi rakapiwa nebhangi rinokudzwa here?
Kana uri kutengesa kadhi rekwereti rakachengetedzwa, iwe unogona kunge une chikwereti chakashata kana kwete chikwereti uye chinogona kutarisirwa nevaya vanotengesa zvinhu zvinotengeswa. Vamwe vakachengetwa makadhi emakadhi pamusika vane zvisingabatsiri zvekubhadhara mari uye mari. Dzivisa kushanda kwekadhi kubva kubhengi chero ipi zvayo inonzwika mifananidzo, kunyange kana chipo ichi chingaita sechinhu chikuru.
Ita intaneti kutsvaga kadhi rechikwereti iwe uri kufunga kuverenga maitiro uye udzidze kuti vamwe vakambonzwa sei nekadhi iroro uye chikwereti chekwereti rechikwereti.