Imwe yepamusoro-iyo-mubhadharo inobhadharwa kana chikwereti chako chekadhi chekwereti chichipfuura chikwereti chako chemari kuburikidza nekutenga, mari, kana mari yemhosva. Mari iyo inowanzoshanda kune makadhi emakwereti ane chikwereti chekwereti.
Mukutanga kwema2000, kuwedzera kwemari yemari yaiva dambudziko guru kune vatengi. Pane imwe nguva kadhi rechikwereti rakanga riri pamusoro pemiganhu, mari yaibhadharwa mwedzi wega wega yainge isina kuiswa pamiganhu. Kana mubhadharo wakaderera wakaderedza chikamu kusvika pasi pekumucheto, mhosva dzemari dzaizoderedza chikamu pane chikamu zvakare uye imwe mari yaizotorwa.
Izvi zvinenge zvichidzokorora mwedzi nemwedzi zvichiita kuti zvive zvakaoma kune vabati vemakadhi kuunza zviyero zvavo pasi uye kumisa mari.
Apo Chikwereti CARD Act chakatapurwa muna 2009, kushora kwemari yemari kwakabviswa. Kadhi-kadhi yemabhadhari aigona kungobhadhara mari yemiganhu mune imwe mamiriro ezvinhu uye nhamba yemari inogona kubhadharwa mumakwikwi ekubhadhara mabhengi yakanga yakagadzirirwa. Mumushumo weCARD Act wa2013 , Consumer Financial Protection Bureau inofungidzira kuti vatengi vakachengetedza $ 2.5 biliyoni muhuwandu hwemari inenge iripo panguva iyo Mutemo weCARD wakazobudirira munaFebruary 2010 uye chikamu chekupedzisira cha2012.
Mutemo Pamitero Yakawandisa
Mutemo weBurumende unorambidza kubhadhara kadhi rechikwereti kubva pakubhadhara mari yepamutengo kunze kwekunge wakasarudza-kupinda kuti uwedzere pamiganhu. Izvozvo zvinoreva iwe unofanirwa kupa chibvumirano chaunofanirwa usati waita kukwereta mari. Kana zvisina kudaro, chero shanduro iyo inodarika chikwereti chako chekwereti icharambidzwa ipapo nekubvumira kuti usapedza mari yakawanda yemari.
Kana iwe wakasarudza-mukati kuti uve nemiganhu yakawanda yakatengesa uye iwe ukadarika chikwereti chako chekwereti, iwe unogona kungotengesa mari yepamusoro-iyo-muchengeti wezvikwereti zviviri zvinotevera zvinokonzerwa kana mabheji ako akasara pamucheto. Zvisinei, kana iwe uchibhadhara chikwereti chako pasi uye chinopfuura chikamu zvakare kana kana ukawana chikwereti chikwereti ichiwedzerwa uye kudarika chikamu chechikwereti chitsva, kadhi rako rekukweretesa rinogona kukwereta chimwe chepamusoro-mu-mubhadharo.
Mari Yakawandisa Ipi?
Mushure mokunge hurumende yapfuura mutemo unoderedza mitero yakawanda yemari inogona kubhadharwa, vazhinji vane kadhi rechikwereti vakabvisa mari yacho zvachose. Izvi zvinoreva kuti haungagamuchiri mubhadharo wekutora chikwereti chako chemari, kana iwe wakasarudza-kana kuti kwete.
Mari yacho inokonzerwa nekadhi rechikwereti kune avo vanoita vachiripa mhosva. Mutemo weCARD unofanirwa kudarika $ 25 pamusoro pemari yekukwereta kwechiitiko chekutanga uye $ 35 yemari yechiitiko chechipiri mumwedzi mitanhatu. Iko kadhi rechikwereti haisi kubvumira kubhadhara mari yepamusoro yemari yakakwirira kupfuura mari yawakapedza chikwereti chako. Chengetedza chibvumirano chako chekadhi rechikwereti kana kumashure kwekatatimende yako yekubhadharira kadhi rechikwereti kana kudana kadhi yako yekwereti yekwereti kuti uwane mari yakawanda yemari yekukwereta kadhi rako rechikwereti.
Kunyange zvazvo chinangwa chako chichifanira kunge chisambopfuuri chikwereti chako, chinangwa chokusarudza kadhi rechikwereti risingatengi kudarika chikwereti chemari. Nenzira iyo, kana iwe uchikanganisa kuenda kune chikwereti chako chekwereti, haungatarwi nechirango chikuru chayo.
Iwe unogona kunyunyuta kune CFPB kana iwe uchida kuti kadhi yako yekubhadhara chikwereti haisi kutevera mutemo maererano nepamusoro pemari yemari.
Zvimwe Kupera Mhosva
Cherechedza kuti kunyange zvazvo chikwereti chekwereti chikwereti chisingakwanisi kupa mari yakawanda pamusoro pemari, zvinogona kuva nezvimwe zvirango zvekuwedzera chikwereti chako.
Semuenzaniso, mutori wemakadhi angasimudza purogiramu yako kumutengo wakanyanya kukura kana kurasikirwa nemaropafadzo awakagamuchira. Chibvumirano chako chekadhi rechikwereti chicharondedzera zvikwereti zvekuenda kune chikwereti chako chekwereti.