Apo vanhu vazhinji vanofunga nezvekadhi rechikwata chekukweretesa, vanofunga nezvekuderera kwekutora mari uye mibayiro . Zvechokwadi, izvozvo zvinotyisa, asi mazhinji makadhi emakadhi anouya nemamwe mavhesi ayo makadhi vangave vasingazivi. Kushandisa zvinyorwa izvi zvinogona kukubatsira kuwana zvakawanda kubva pane kadhi rako rechikwereti uye zvinogona kukuchengetedza mari mukuita.
01 Kudzivirirwa Kwemitengo
Zvinoshungurudza sei kutenga chimwe chinhu pamutengo mumwe chete wozoona kuchidhindwa pamutengo wakaderera mazuva mashomanana gare gare? Kana iwe wakatenga chinhu ichocho nekadhi rako rechikwereti, unogona kuwana mutengo wemutengo wakadzorerwa kuburikidza nemari yako yekwereti inodzivirira mutengo. Chinhu chinodhura-chinotarisirwa chinofanira kunge chakafanana kune chawakatenga.
Mutengo wekudzivirira hausi wega. Zvichienderana nekadhi rako rechikwereti, unogona kubhadhara chinhu chacho paunenge uchichitenga kana kutumira kudai kuti uwane mutsauko wemutengo. Iwe unogonawo kudiwa risiti yako kana kadhi yemakadhi echikwereti rine inotenga.
Nguva yacho inotarisana kubva kune mazuva makumi matanhatu kusvika ku90 zvichienderana nekadhi rako rechikwereti. Panogona kuva nemuganhu kune zvakanyanya kubatsirwa. Semuenzaniso, Discover inopa kudzivirirwa kwemari kusvika kusvika $ 500 pamhosva uye $ 2 500 pagore. Zvimwe zvinhu zvingave zvisina kufukidzwa sezvinhu zvinoshandiswa, zvishongo, zvinhu zvisingawanzoitiki, motokari motokari, uye zvinhu zvakashambadzirwa sekutenga mumwe kuwana imwe chete.
Machechi mashomanana emakadhi ane kuchengetedzwa kwemutengo: Zivhura makadhi, Zvose Citi Cards, vamwe MasterCards, Chase Sapphire Preferred, uye Chase Rusununguko.
02 Purchase Protection
Icho chinotambudza kutenga chimwe chinhu uye gare gare chakachikuvadza kana chakabiwa. Mashoko akanaka kana iwe wakatenga chinhu chacho nekadhi rechikwereti: iwe unogona kunge wakakodzera kugadzirirwa kutenga.
Iwe unogona kunge uchida redhi yako uye checheni chekadhi yemakadhi rinoratidza kutenga. Kana icho chakanga chabiwa, iwe uchada zvakare mushumo wemapurisa. Chinhu chacho chinofanira kunge chakatengwa mumazuva 90 akapfuura, kana mazuva makumi maviri eChechi yeChechi (kunze kwevagari veNew York).
Zvose zvikwereti zvina zvekadhi rechikwereti zvinopa rumwe rudzi rwekudzivirirwa kwekutenga, asi zvakanyatsobatsirwa zvinogona kusiyana zvichienderana nekadhi kadikiti yako. Iwe haufaniri kunyora kunyoresa; iwe chete unofanirwa kutora kubvuma kubatsirwa. Coverage is secondary kune imwe yveshuwarisi yaunayo. Semuenzaniso, unofanira kufanira kudai nekambani yako yunivhesiti yunivhesiti usati wawana zvikwereti kubva kune kadhi rako rechikwereti.
03 Kutanga Kupinda Chikoroti Mitikiti
Mamwe makadhi emakwereti anopa vatengesi vekare kumakadhi. Kunyange iwe usingakwanise kuchengetedza mari pamatengo etikiti, iwe uchawana mukana wekutenga matikiti ekutsvaga pamberi pevanhu vakawanda. Izvi zvinokupa shanduko kugamuchira zvigaro zvakanaka kana kutora matikiti ako isati yatengeswa.
Kubatsirwa kunosiyana nechiitiko, kunogona kugoverwa chete kumakadhi akabudiswa nemamwe makambani, uye zvinogona kukumbira kuti utenge matikiti kuburikidza neThiketmaster uchishandisa chikwereti chako chekwereti uye kadhi yepurogiramu.
04 Car Rental Insurance
Kana iwe uchikwereta motokari, iwe unenge uchida kubvunzwa kuti ubatsire kubhadhara inshuwarisi. Iwe unogona kuchengetedza mari pane yako yose yekutora mutengo nekuderedza kugoverwa uku uye kana iwe uchikwereta nekadhi kadhi rechikwereti, uchave uine chinyorwa. Zvose zvikwereti zvina zvekadhi rechikwereti zvinopa humwe motokari yemota yeroresheni, asi unofanira kutengesa mari yose yebhadharo kune kadhi rako rechikwereti uye udzike chero yveshuwarisi inopiwa nekambani yebhadharo.
Iva nechokwadi chokuti unotarisa nekadhi kadhi rechikwereti kuti uone kuti kadi yako yekwereti inosanganisira inshuwarheni yemhando yemotokari yauri kukwereta. Zvisinganzwisisiki, zvinodhura, zvekare zvekare, motori, motokari dzine mabhedhi akazaruka, uye motokari dzisiri pamugwagwa hazvifukidzwi neyese yemakona mana makuru. American Express haina kufukidza dzimwe SUVs. Coverage haikwanisi kubhadharwa kwenguva refu kupfuura mazuva makumi matatu nemakumi maviri emakororo emari.
Chengeta CardHub.com's Rental Car Insurance Yokudzidza kwekuparara kwekupararira kwezvikwereti kumativi mana makuru makuru. Verenga chibvumirano chako chekadhi rechikwereti kuti uwane tsanangudzo yakanangana neshuwarisi yepamberi yekadhi yako yekwereti.
05 Lost Luggage Protection
Kana kadhi rako rechikwereti rinopa kurasikirwa kwemutsipa, kurasikirwa kwako kana kukabiwa kwakavharwa kana iwe uchibhadhara mari yose kutenga nekadhi rako rechikwereti - matikiti atengwa achishandisa mibayiro maira angasakodzeri.
Kutaridzirwa uye kutakudza mutoro kunogona kuvharwa kusvika pane imwe nzvimbo, sekuda $ 3,000 pamakadhi okukwereta eVisa. Kuparidzirwa kwechipiri kune inshuwarisi ipi zvayo yaunogona kuva nayo uye chero zvipo zvinopiwa nemutakuri.
Zvimwe zvinhu zvingave zvisina kuvharwa kana kuti zvingava nezvakawanda zvekuvhara: uye magirazi emaziso, zvinhu zvinotumirwa kusati zuva rekufambisa, mari, chikwereti nemadhikiti makadhi, mabhizimusi zvinhu, zvishongo nematafoni emagetsi.
Iwe uchada zvidimbu zvinyorwa zvinyorwa kuti uise kuda uye uwane zvigaro. Izvi zvinosanganisira fomu yekutsvaga, kopi yekadhi yemakadhi echikwereti nekutenga, mararamiro ako kana kubhadharira, kutarisa mabhuku emagwati, uye mamwe magwaro sezvaakakumbirwa nekadhi network kana kuti kadhi rako rechikwereti.
06 Yakawedzerwa Warranty
Iwe unogona kuvhara waranti yakawedzerwa inopiwa nemutengesi paunenge uchibhadhara chigadzirwa chikuru kana zvemagetsi nekadhi rechikwereti. Mamwe makadhi emakwereti anowedzera gore kune rechirango chemugadziri, asi unofanira kunge wakatenga chinhu nekadhi rako rechikwereti.
Hapana kuiswa kana kubhadharwa kunoda, asi unofanira kuchengeta risiti yako. Kana uchinge waisa chikwata, kadhi rechikwereti network ichagadzirisa kana ichatsiva, kugadzirisa, kana kukubhadhara iwe chinhu chacho. MasterCard uye Tsvagai haufaniri kuvhara kukanganisa kunokonzerwa nokusakara uye kuputsa. American Express neVisa ichavhara zvinhu zvakatengwa zvakagadziridzwa. Zvimwe zvinhu zvingasachengetedzwa.
CardHub.com ya2014 Credit Card Yakagadziriswa Warranty Chidzidzo chinopa kuenzanisira kwevimbiso yakawedzerwa pamakona mana makuru ekadhi rechikwereti. Chengetedza chibvumirano chako chekadhi rechikwereti kuti uwane mashoko akazara pane waranti yakawedzerwa yekodhi yako kadhi rechikwereti.
07 Dzokera Guarantee
Kuchengeta mitemo yekudzoka kunogona kukudzivisa kuti urege kutora chimwe chinhu kumashure shure kweimwe nguva. Mamwe makadhi emakadhi achadzorera mitengo dzekutenga apo dare haringatori kudzoka kwako, asi kusvika pane imwe nzvimbo uye mukati meimwe nguva.
Tsvaga ichadzorera kubhadhara kusvika $ 500 pazvinhu zvakakodzera mumazuva makumi mapfumbamwe ekutenga. Citi inopa kudzorera kwemazuva makumi matanhatu kusvika kumadhora mazana maviri nemakumi maviri nemakumi mashanu kubva pakudzorerwa chinhu uye kusvika ku $ 1 000 pagore. American Express ichadzorera mutengo wakakwana wekutenga pane zvinhu zvakakodzera mumazuva makumi mapfumbamwe kubva pakutenga mutengo kusvika ku $ 300 chimwe nechimwe uye huwandu hwe $ 1 000 pamakadhi kwegore rekarenda. Zvimwe zvinhu zvingave zvisina kukodzera kubatsirwa nekudzoka.
Ramba uchifunga kuti iwe une kodzero yekupikisa zvikwereti zvekubhadhara zvekutengesa zvisati zvambosunungurwa kana izvo zvisiri mumamiriro ezvinhu waunotarisira iwe pawakagamuchira. Iwe une mazuva makumi matanhatu ekupikisa zvinyorwa izvi nekunyora .
08 Kuramba Kurairirwa Inishuwarenzi
Kana iwe uchifanira kubvisa, kunonoka, kana kukanganisa rwendo, unogona kukwanisa kubhadhara zvimwe zvezvikwereti, chero bedzi iwe ukaisa rwendo rwekadhi rechikwereti iro rinopa rwendo rwekuregesa inshuwarisi. Tsvaga Inofanirwa, somuenzaniso, inotsigira vatori vemakadhi kusvika ku $ 10 000 kana rwendo rwakabviswa kana kupfupiswa nekurwara, mamiriro okunze akaoma, kana imwe mamiriro akafukidzirwa.
09 Verenga Chibvumirano Cheko Cheko Chekwereti Chezvinhu Zvako
Vanhu vazhinji vanorasikirwa nezvikwereti zvekwereti nekuda kwekuti vanobatanidzwa muchibvumirano chekadhi rechikwereti - dhidhi refu yakakurumidza kubviswa kana kuiswa kunze.
Ramba uri mupfungwa, izvi zvinokonzerwa nekadhi rechikwereti. Tora kopi yemvumo yako yekadhi rechikwereti kubva pawebsite yako yekwereti yekwereti kuti uone kuti chii chakanaka iwe unogona kunge warasikirwa nacho. Nguva inotevera mushambadziri asingagadzirise chigadzirwa chemiti kana kuti iwe unofanira kubvisa rwendo, enda kune yako kadhi rechikwereti kuti udzorere mari.