Chikadhi chekwereti chikwereti ibhangi kana chikwereti chekwereti chinopa makadhi echikwereti. Chikwereti chekwereti chikwereti chinoita kuti chikwereti chikwereti chinowanikwa kune vadhigiri vemakadhi uye inotarisirwa kutumira mvumo kune vatengesi kwekutenga kunoitwa nemakadhi emakadhi kubva kubhangi iroro. Vakuru vekuAmerica vane makadhi ekukweretesa vanosanganisira Chase, Bank of America, American Express, Wells Fargo, US Bank, Citi, Discover, uye Capital One.
Mari Inokwereta Sei Vanokonzera Matenga Makadhi?
Kadhi-kadhi yemabhadhari rudzi rwepepeti.
Kadhi yakabhadhara inogamuchira imwe yengozi yepamusoro apo inogamuchira vhidhiyo yekwereti yekwereti uye inowedzera chikwereti chekwereti. Kadhi-kadhi yemarikiti vanoongorora sarudzo imwe neimwe uye vanoisa mitemo yemakadhi echikwereti anotsvaga muchengeti wechikwereti. Mamwe makadhi anogona kuva nemubairo kana zvimwe zvinokurudzira kuvengesa vatengi kuti vasainire makadhi echikwereti.
Kadhi kadikiti vanotora inofanira kutevera mitemo yehurumende yekubudisa makadhi makadhi. Vanofanirawo kushanda nekubhadhara kushandiswa mitambo iyo inobatsira kutengesa kadhi rechikwereti. Mazhinji evanhu vane ruzivo rwemakadhi ane ruzivo anotumirwa mune zvekushanda uye makadhi ekubhadhara chikwereti vanofanira kunge vane zvigadziridzo zvekutora mari yekutengesa uye kuchengetedza ruzivo rwakachengeteka kubva kune vanovhura.
Mari Inokwereta Kadhi Inoshandisa Sei Mari?
Chikwereti makadhi chikamu chemadhora mabhiriyoni emadhora emadhora. Pasinei nemutemo wa2009 unogadzirisa zvimwe zvikwereti uye chikwereti icho chikwereti chekwereti chinogona kukwereta, makadhi emakwereti achiri kuramba achipa mari yakawanda yemari kubhengi.
Zvichida zvakajeka, kadhi rechikwereti rinobudisa mari rinoita mari kubva pamari uye chikwereti chinotambirwa kune vadhidhidhi. Pose paunotakura chikamu pane kadhi rako rechikwereti, unobhadhara chikwereti kune kadhi rechikwereti. Mamwe makadhi emakadhi anouya nebhadharo yegore negore . Kana iwe wakanonoka pamubhadharo, iwe uchabhadhara nguva yekupedzisira. Kana ukashandisa kadhi yako kuendesa chikwereti, iwe uchabhadhara mari yeiyo.
Kune dzimwe mimwe mitero yemari yako yekodhi yemakadhi yakabva mauri kushandisa kadhi rako rechikwereti.
Kadhi-kadhi yemarikiti inopawo mari kune vatengesi. Nguva imwe neimwe paunoshandisa kadhi yako, mutengesi anofanira kubhadhara mari iri pakati pe1% uye 3% zvichienderana nekutengeserana kwako uye rudzi rwekadhi rauri kushandisa. Vakawanda vane kadhi rechikwereti vanokonzera mutengo wemari pamwe nekubhadhara kushandiswa kwenethiwekhi (zvimwe pamabasa avo pasi apa).
Pakupedzisira, vamwe vane kadhi rechikwereti vanoita mari nekutengesa zvimwe zvezvigadzirwa nemishandi kune vadhigiri vemakadhi. Semuenzaniso, kadhi yako yakabhadhara inogona kunge yakaisa kuchengetedza chikwereti kana kuti zvikwereti zvekuona chikwereti kwauri. Izvi zvinowedzera-ons zvinowedzera mari yekukwereta kadhi rechikwereti.
Ndiani Wako Kadhi Kadhi Mushandi?
Tarisa mberi kwekadhi rako rechikwereti. Kazhinji kadhi rechikwereti chikwereti ibhangi rine zita rakadhindwa pamusoro pekadhi. Uine makadhi emakadhi emakadhi, zita rekadhi kadhi rechikwereti rakadhindwa kumashure kwekadhi rechikwereti mune zvinyorwa zviduku.
Zvakakosha kuziva kadhi rako rechikwereti kuitira kuti iwe uzive kuti ndiani angadana kana iwe une dambudziko nekadhi rako, unyengeri hwenzvimbo paaunti yako, kana kuti unoda kubvunza mibvunzo pamusoro pekombi yako.
Credit Card Issuers vs. Payment Networks
Kadhi kadikiti vanobudisa mari havagoni kupa makadhi emakadhi ose pachavo, vanoda rubatsiro rwekubhadhara kushandiswa mitambo seVisa uye MasterCard.
Zvisinei, American Express uye Discover vanoita sevari mbiri yekadhi yemakadhi uye kubhadhara kushandiswa kwenzvimbo yekodhi yemakadhi. Iyo yekugadziridza mitambo inobvumidza uye inogadzirisa kutengesa, inogadzirisa matanho ekutengeserana, uye kubatsira kubatsira kubhadhara pakati pevatengesi, makadhi ekubhadhara chikwereti, uye makadhi.