Ziva zvakare, kuti pane nzira yekushandisa makadhi emakadhi nekuchenjera uye kudzivisa misungo yakawanda yakawanda nevatengi.
Muedzo Kuzochinja
Zvidzidzo zvinoratidza kuti vatengi vanopedza zvakawanda apo vari kubhadhara nezvikwereti zvekwereti pane apo vachibhadhara nemari. Mune rumwe ruzivo, vatori vechikamu vaida kushandisa mari yakawandisa kaviri mari iyo pavanoshandisa kadhi rechikwereti kushandiswa kushandisa mari. Zviri nyore uye zviri nyore kushandisa mari nekadhi rechikwereti, uye iwe haunzwi kunzwa "kurwadziwa" kwemari kuchisiya chikwama chako. Icho chinogona kutsanangura chikwereti chekwereti rechikwereti chikwereti.
Nzira yekuzvidzivirira nayo: Ita muganhu wemari wako wekukwereta nekadhi rako rechikwereti, kunyange kana iri pasi pekwereti yako chikwereti, zvichienderana nekukwanisa kwako kubhadhara pane yako kadhi rechikwereti mwedzi mumwe nomumwe. Ngwarira kuti iwe usati wanyanyisa kuderedza kuti urarame mararamiro ausingawanikwanisi kana kufadza vanhu vane plastiki yako.
Kufarira Kunoita Kuti Zvive Zvakaoma Kubhadhara Balance
Kubhadhara zvikwereti zvekadhi rechikwereti muzere mwedzi mumwe nomumwe zvinokubvumira kuti usarega kubhadhara chero chido zvachose.
Asi 29% chete vevadhidhidhi vanobhadhara mari yavo yakazara mumwedzi wega wega, zvichienderana nenhamba kubva kuAmerican Bankers Association yaJune Credit Card Market Monitor. Kana iwe usingiri kubhadhara chikwereti chako chakazara, chikamu chebhadharo imwe neimwe inotarisa kune chikwereti chebhadharo kuwedzerwa nguva yaunotora kubhadhara chikamu chako.
Nzira yekuzvidzivirira nayo: Bhadhara bhadha yako yakazara kuitira kuti usabhadhara chero chido chekutenga. Kana iwe usingagoni kubhadhara zvakakwana, iwe unogona kunge uchibhadhara zvinopfuura iwe unogona kubhadhara, asi iwe ubhadhe zvakanyanya sezvaunogona pamwedzi mumwechete kusvikira waunza zero rako kusvika zero.
Ngozi Yokupinda Muchikwereti
Chero nguva yaunokwereta mari iwe uri kugadzira chikwereti. Kana iwe ukwereta zvakanyanya, usingabhadhari, unowedzera kupinda mune chikwereti. Chikwereti chinotungamirira kune dzakawanda zveimwe dambudziko uye kwete vose zvavo mune zvemari. Chikwereti chinogona kutungamirira kudzvinyiriri, kuora mwoyo, dzimwe nhau dzehutano, uye mune zvimwe zviitiko zvakakomba, kunyange kuzviuraya.
Kana uchinge uri mune chikwereti, kusvika kune dzimwe zvinangwa zvemari zvakaoma. Kushandisa mari pane chikwereti kunokusiya iwe nemari shoma kune zvimwe zvakakosha sekuchengetedza kubhadhara kana kuti zororo. Iwe unogona kunge wakanonoka zvinangwa zvako zvekudzidzisa kana unonzwa uchinetseka mubasa rausingadi nokuti unoda kubhadhara zvikwereti zvako.
Nzira yekuzvidzivirira nayo: Ziva zviratidzo zvauri kuenda kune chikwereti chekwereti chikwereti, kunyanya asingakwanisi kubhadhara chikwereti chako chakazara mwedzi mumwe nomumwe. Rega kushandisa makadhi ako ekwereti uye funga nezvekurarama mukati mehutano hwako kuti usarega kupinda mukati memusoro wako.
Dambudziko rekuparadza Ruvara rweKwereti yako
Marikiti yemakadhi ane simba guru pamakero ako emari .
Shandisa kadhi rako rechikwereti nekuchenjera , uye iwe uri munzira yekuenda kune chikwereti chikuru. Asi, kana iwe ukakanganisa - sekutadza kubhadhara kwemazuva makumi matatu kana kupfuura - chikoro chako chekwereti chichatora hit. Kana uchingonyanya kukanganisa, iwe unowedzera chikwereti chako chikwereti chichawa.
Nzira yekuzvidzivirira nayo: Nzira yakanakisisa yekuvaka uye kuchengetedza chikwereti chako chikwereti ndeyekubhadhara kadhi rako rechikwereti nenguva, chengetedza chikamu chako pasi pe30% chekwereti chako chechikwereti, uye kuderedza zvichemo zvekadhi yemakadhi.
Minimum Payments Yakaita Shema Sense yekuchengeteka
Chikwereti chako chekwereti chekwereti chinongokumbira iwe kuti uite chikwereti chiduku mwedzi kuti udzivirire mari yekupedzisira uye uchengetedze nhoroondo yako mukumira kwakanaka . Zvinosuruvarisa, pedyo nekutadza kubhadhara zvachose, mari shoma ndeyo nzira yakaipisisa yekubhadhara chikamu chako. Iwe uchapedza nguva yakawanda uchibhadhara chikwereti chako uye iwe uchibhadhara chido chakanaka kana iwe ukangotora chete mubhadharo uripo.
Nzira yekuzvidzivirira nayo: Kubhadhara mari yako yakazara kwakanaka, asi kana iwe usingakwanisi kubhadhara chikwereti chako chose, chengetedza zvinopfuura zvishoma kuti ubvise mararamiro ako nokukurumidza uye kuderedza chikamu chekufarira iwe unobhadhara zvachose.
Confusing Credit Card Terms
Kunyange zvazvo mitemo yemakadhi echikwereti yave yakajeka zvikuru kuvonga kweCredit CARD Act ya2009 , kuchine zvakawanda zvekuvhiringidzika nezvipo zvekadhi rechikwereti. Rimwe kadhi rechikwereti rinogona kuva nezvikwereti zvakasiyana-siyana zvechido uye kuziva kuti chiyero chinoshanda chinogona kuvhiringidza. Kusanzwisiswa kwemashoko ako kadhi rechikwereti kunogona kuva nemigumisiro yakakomba - sekuwedzera mari yekuda kana chibereko chekuda kana kukuvadza chikwereti chako.
Nzira yekuzvidzivirira nayo: Inzwisisire mhando dzakasiyana dzezviyero iwe unogona kutakura pane yako kadhi rechikwereti uye chibereko chekufarira chinoshanda kune umwe neumwe. Verenga kuburikidza nepurogiramu yako yezvipo kuti udzidze kuti kutenga chii kunowana mubairo. Bata basa rako rekadhi rekwereti nemibvunzo pamusoro pekadhi rako rechikwereti.
Akaoma Kuongorora Kutengesa, Kunyanya Pakawanda Kwekwereti Cards
Kuchengeta kushandiswa kwako ndiyo nheyo yehupenyu hwehutano hune utano, asi kuwedzera kadhi rechikwereti kumashandiro ako anowanzoshandisa zvinogona kuita kuti zvive zvakaoma kuchengeta nemari yako yose. Ichokwadi chaizvo kana uri kushandisa makadhi ako ekwereti pamwe chete nemari uye debit, uye kana uri kushandisa ma kadhi kadhikiti. Ndicho chimwe chezvikonzero zvikwereti zvemakadhi zvinoita kuti zvive nyore kwazvo kudarika mari.
Nzira yekudzivisa nayo: Kushandisa mamwe makadhi zvinoreva kuti unofanira kutarisa munzvimbo dzakasiyana apo uri kutevera yako mari. Iwe unogona kuitora iyo manyore pakushandisa bhuku kana sarabhesi kana kushandisa purogiramu yemari yako seMint kana Kurumidza kuti ubatsire kutarisa mari yako.
Makadhi Makadhi Anouya Aine Ngozi yeKodhadhi Kwenhema
Kune imwe nguva, munhu wose ane kadhi rechikwereti ari pangozi yekubatwa kwekadhi rechikwereti chekwereti . Kadhi rako rechikwereti iro pachako rinogona kubiwa, kana mbavha inogona kuba yako kadhi yekwereti yekwereti kubva kune kambani yawakaputira nayo. Ndinofara, mutoro wako wekutengesa kadhi rechikwereti hauna kukwana, asi unofanirwa kuudza izvi zvikwereti nokukurumidza.
Nzira yekudzivisa nayo: Chengetedza kadhi rako rechikwereti kakawanda uye utaure kuti hauna kukwereta kadhi rechikwereti kana kumhan'arira mhaka pakarepo.