Kana kuti iwe uri muchengeti uyo anoziva kukosha kwekwereti uye haakwanisi kumirira kuti atange kuvakazve yavo.
Kunyange zvazvo chiri chokwadi kuti kubhadhara kunogona kugara pane yako chikwereti rekwereti kwemakore gumi, izvo vanhu vakawanda vasinganzwisisi kuti nokukurumidza iwe uchakwanisa kudzokera sei mumusika wekwereti mushure mekugamuchira iwe kubudiswa kwako. Dzimwe mabhengi uye makadhi ekupa mari vanoda kukweretesa kune vanhu vanobva ku bankruptcy vavanoshambadzirana navo pavanenge vachiri mumatare ekugadzirisa. Hazvisi zvisizvo kuti vanhu vagamuchire chikwereti chinopiwa kubva kumakambani ekadhi rechikwereti, vatengesi vemotokari vemo, uye zvivako zvinotengesa midziyo yemusha.
Asi, iwe hausi kuzowa nekuda kwekugoverwa kose kunouya nenzira yako, chaiko? Vamwe vanofanirwa kuongorora, asi vamwe vakanyarara, mazwi avo akaipa.
Nei Vatengi Vachida Kukwereta kuBangruptcy Vanokwereta
Zvinoratidzika kusinganzwisisiki kuti bhangi kana mumwe mukwereti angada, achida zvikuru, kupa chikwereti kune mumwe munhu akangoita kuti varwi vavo varasikirwa nemazana kana zviuru zvemadhora.
Asi kune zvikonzero zvakanaka uye zvinonzwisisika zvayo.
- Munhu ane chikwereti akangobhadhara zviuru zvemadhora mune chikwereti, izvo zvinosunungura mari (kureva mari) iyo angashandisa kubhadhara chikwereti chitsva.
- Munhu ane chikwereti haakwanisi kuisa imwe kubhadhara kwenguva yakati. Somuenzaniso, kana iwe wakagamuchira kubudiswa muChitsauko 7, haugoni kuwana chimwe Chitsauko 7 kusunungurwa kwemakore masere.
- Anokweretesa anogona kukwereta chikwata chapamusoro chemari nokuti uyo ane chikwereti anokurudzirwa.
Kuchengetedzwa neKusachengetedzwa Kwekadhi Kadhi
Kazhinji kadhi rechikwereti iwe uchafunga kuti richava rimwe remhando mbiri, rakachengetedzwa kana risina kuchengetedzwa.
- Secured Credit Card
Kana iwe ukazarura kadhi rechikwereti rakachengetedzwa, uyo anokweretesa kana anopa chikwereti achakumbira kuti iwe uise mari yemari mune imwe nhoroondo yekuchengetedza pamwe nesangano. Mari yaunenge waisa inowanzoenzana nekunokwereta kwemari iyo sangano ichabvumira paakaiti. Iyo mari inoshandiswa sevhudziro kune iyo chikwereti. Kana iwe usina kukanganisa mune ramangwana, uyo anokweretesa haazovi nemari nokuti inongova neyokutora mari kubva kubhuku rekudha kubhadhara pasi kana kubhadhara chikwereti chekwereti.
Kunze kwokuti ishandiswa kubhadhara mari yako, mari iri mubhuku rekuchengetedza ichiri iwe. Mushure mekureba kwe-nguva yekubhadhara, makambani mazhinji achakubvumira kuti uchinje kadhi yakachengeteka kune kadhi risina kuchengeteka rine chikwereti chakakwirira.
A kadhi rechikwereti yakachengetwa kazhinji ine chikamu chechiderera chakaderera kupfuura chero marekete asina kuchengetedzeka iwe unogona kukodzera kusvika pakarepo mushure mekufa.
- Unsecured Credit Card
Iyi ndiyo yemabhizimisi akaenzana. Hazvina kuchengetedzwa, zvichireva kuti hausimiri chekuchengeteka kana kuti kubhadhara (kureva dhipiti). Kana iwe usina kukwana pamitemo yako, kambani yekadhi yemakadhi haisi chinhu chaunoshandisa pakatarisana nemari yako.
Saka, ivo vachauya shure kwako pachako.
Zvinhu zvekutarisa
Muzviitiko zvose, cherechedza nyaya mbiri huru:
Interest Interest . Kubva kunze kwegedhi, iwe unogona kuwana nyore nyore nekodha ine chido chekuda kwe20 muzana kana kupfuura.
Mari . Mutori wemakadhi anowanzobhadhara mari yegore negore kuti iwe uite chikamu purogiramu yavo, asi vazhinji vanopa chikwereti mushure mekubhadhara mari yakawanda. Tsvaga zvinyorwa kwete kwete chete pamutengo wegore asi asi
- Isai mari
- Mutengo wemari
- Mutengo wekutungamirira
- Mari yekushanda
Hazvisi zvisiri zvekuti muiti wekambani itsva apiwe kambani ine chikwereti chemari yechikwereti chemadhora mazana matatu, asi inorohwa ne $ 150 mubhadharo iyo nguva yekushandira kwayo kugamuchirwa. Nokuti iyo nhoroondo inobatsira zvachose, inofanira kubhadhara mari iyo nokukurumidza sezvinobvira, asi kana ikasaita, ichave ichibhadhara zvakare mune zvekuda mari.
Chero nzira, uyo anokweretesa anobata.
Inopa Kufunga
Heano mamwe makadhi anowanikwa kazhinji maitiro akanaka. Mumwe nomumwe haafaniri kutora chikwereti chekwereti kana uyo anokweretesa achatarisa zvakaipa chikwereti kana kupera kwekupedzisira.
Makachengeteka Cards
Wells Fargo Secured Credit Card
- Mutengo wegore negore: $ 25
- APR: 20.24 muzana
- Chiremera / Dhipatimho: $ 300 ichakuwana chikwereti chemari ye $ 300
- Perks: Mugwagwa rubatsiro uye kushungurudza foni.
Capital One Secured MasterCard
- Mutengo wegore negore: Hapana
- APR: 24.99 muzana
- Muchidimbu / Deposit: $ 49 kusvika ku $ 200 zvichienderana nekwereworthworthiness
- Perks: Dhipatimendi rekuchengetedza inogona kunge iri pasi pechikwereti chekwereti, uye iwe unogona kuripa muzvikamu; migwagwa rubatsiro; car rent rental inshuwarise.
Kufambira Mberi Platinum Prestige MasterCard Secured Credit Card
- Mutengo wegore negore: $ 44
- APR: 11.99 muzana
- Chiremera / Dhipatimho: 200 kusvika $ 2,000
- Perks: Kupera kwechido chepakati pegore kupfuura vazhinji.
Makadhi asina kuchengetedzwa
Credit One Bank Platinum Visa
- Mutengo wegore negore: $ 0 kusvika $ 75
- APR: 16.99 muzana kusvika 24,99 muzana
- Chiremera: Chekutanga chikamu chichava $ 300 kusvika $ 500 zvichienderana nechikwereti chakakodzera
- Perks: 1 muzana mari inodzoka pamagetsi achitenga.
Chikuru cheGold MasterCard
- Mutengo wegore negore: $ 35 kusvika $ 99
- APR: 23.90 muzana
- Chiremera: $ 300
- Perks: Sarudza tsika yako yekadhi yakagadzirwa.