Kana iwe wakambofamba kune dzimwe nyika munguva ichangopfuura uye wakashandisa kadhi rako rekwereti iwe pawanga uri parwendo rwako, ungangodaro wakashamisika kuwana mvumo yekubhadhara kune imwe nyika pane yako kadhi yemarikiti. Haisi iko kukanganisa. Iyi ndiyo mvumo inokodzera kuti vazhinji vane kadhi rechikwereti vanokwidza uye nhamo, haisi imwe chete iyo iwe unogona nyore nyore kumira shure kwechokwadi.
Imari yekubhadhara kune dzimwe nyika inopa mari yekubhadhara chikwereti chekwereti paunoshandisa kadhi rako rechikwereti munyika yose, kana iwe paunotenga kutenga iyo inoshandisa bhengi rekunze.
Semuenzaniso, unogona kutarisana nemari yekutengeserana kune dzimwe nyika kana iwe ukaverenga ndege kuburikidza neSingapore Airlines, kunyange iwe ugere pamberi pekombiyuta yako ku Springfield, Missouri. Mari yacho inobhadharwa nokuda kwekushandura mari yekunze mumadhora e US uye inoita kuti mutengo wewendo rwepasi rose unodhura.
Ndezvipi Zvakawanda Zvokutengeserana Kwekune dzimwe nyika?
Visa uye MasterCard vanobhadhara 1% mari yekutengeserana kunze kwenyika uye vazhinji vane kadhi rechikwereti vanotora chikamu chepamusoro pamusoro pezvo. Izvi zvinopa mari yako yokutengeserana kune imwe nyika pakati pe1 ne3 muzana yekutengesa, zvichienderana nekwereti yako yekwereti uye kubhadhara kushandiswa kwenethiwekhi. American Express inodhura 2.7 muzana yemari kune imwe yemakadhi ayo ekwereti uye kuisa mari kune vamwe. Zivhura hazvibhadhari kutengeserana kwenyika kune imwe yemakadhi ayo emakadhi. Vamwe vatungamiri uye mafambiro ekufambisa makadhi emakwereti haatengi mari yekubhadhara zvachose uye kunyange kutora chikamu kana kuti mari yose inotengeswa nekubhadhara kushandiswa kwenethiwekhi.
Nzira Yokutarisa Kana Kadhi Yako Kadhi Inotenga Mari
Kadhi kadikiti vanobhadhara inofanirwa kuzarura mari yekubhadhara kune dzimwe nyika kwauri. Muna 2006, vamwe vekukwereta makadhi ekukwereta vaifanira kubhadhara kugadziriswa kune vadhigiri vemakadhi nokuti vaipihwa vakanga vasati vaudza vatengesi vaizobhadharwa mari. Iye zvino, mari iyi inoratidzwa muchibvumirano chekadhi rechikwereti .
Verenga chibvumirano chako chekadhi rechikwereti kuti uwane zvakakwana mari yako yekwereti yekwereti ichabhadhara kune dzimwe nyika kutengesa. Kana iwe usina chikamu, unogona kuwana imwe pane webhutiti yako yekwereti yemari yekwereti kana kuti Federal database yezvikwereti zvekadhi rechikwereti. Iwe unogonawo kudana wako kadhi rechikwereti kuti aone kana kadhi rako rechikwereti richibhadhara mari yekutengeserana kwekunze uye kana iwe unogona kutarisira kuripa. (Paunenge uri papefoni, zvakarewo pfungwa yakanaka kubvumira kadhi yako yekwereti chikwereti kuti uchave uri kufamba kune dzimwe nyika kuitira kuti varege kungoerekana vafambisa kutengeswa kwako kwenyika yose sekunyengera.)
Nzira Yokudzivisa Nayo Kutengeswa Kwedzimwe Nyika Mari
Pane zvakawanda zvemakadhi emakwereti asingatengi mari yekubhadhara kune dzimwe nyika, saka funga kuzarura imwe yei izvi usati waita rwendo rwepasi rose. Vose Guta Guru uye Discover vakabvisa mari yekutengeserana kune dzimwe nyika kubva kumakadhi avo emakadhi, saka kana iwe uine imwe yeiyi muhomwe yako, unogona kushambadzira parwendo rwako uchiziva kuti haungatori chero mari yakawedzerwa. Iwe unogonawo kusarudza kushandisa mari kana mari yemunharaunda pazororo rako kuti urege kubhadharwa zvachose, asi ona kuti kutakura mari kunogona kusachengeteka. Kana mari yako yakabiwa, haugone kuwana mari. Nekadhi rechikwereti, kune rumwe rutivi, iwe hauna mhosva yekupomerwa kwenhema chero bedzi iwe uchitaura kubba panguva yakakodzera.