Nekodha yekuongorora, iwe unowanzobvumirwa kungopedza mari yaunayo muakaunti yako. Apo kushambadzira kunokonzera bhangi rako kuenzanisa kuti rive rakashata, rinotumidzwa sebhadhiroji yepamusoro.
Iwe unogona kunge unoziva bhengi rako richabhadhara mari yepamusoro yebhadhiro yekuremekedza kubhadhara kutengesa kwako kwako. Iwe unogona kunge uchifanira kubhadhara mari yezuva rimwe nerimwe nhoroondo yako inoramba isina kunaka. Asi zvinorevei zvinorevei kune chikwereti chako?
Mafambisi Akawedzerwa Anokanganisa Sei Chikwereti Chakwereti
Nhoroondo yekutarisa kwekodha yako haigoni kuendeswa kune zvikwereti zvekwereti - nokuti uri kushandisa mari yako, kwete mari yawakwereta. Nenzira yakanaka, bhizimusi rinoshandiswa pamabhadharo harifaniri kukanganisa chikwereti chako chekwereti kana iwe uchigadzirisa ivo panguva yakakodzera. Kana uchinge wabhadhara chikwereti chekubhadhara mari uye uuye neakaunti yako kuti iwane zero yakatarisa, unogona kuramba uchishandisa kero yako yekuongorora seyakajairika.
Zvisinei, kana iwe ukasabhadhara kuedza kwebhangi kuita kuti akaunti yako ibudise mubhadharo wakaipa, bhadha yako yakanyanya inogona kutumirwa kusangano rekuunganidza . Kana izvozvo zvikaitika, chikwereti chichaenda pane zvinyorwa pamushumo wekwereti. Panguva iyoyo, kukohwa kunowanikwa kubva kune yako overdraft kuchaita kuti uwane chikamu chako. Nhoroondo yekusungirirwa icharamba iri pamushumo wako wekwereti kwemakore manomwe, kunyange mushure mokunge muribhadhara, kunze kwekuti iwe uite kuti sangano rekuunganidza ribvise.
Kubhadhara Chikwereti Chako Cheko Nekutarisa
Chikwereti chako chikwanganiso chinogona kukuvadzwa kana cheko iwe wakanyora kuti uvhare chikwereti chako chekwereti chekwereti chinodzoserwa nekuda kwemari isina kukwana .
Izvi zvinoitika kana pasina mari yakakwana muongororo yako yekuongorora kuti uvhare kubhadhara uye bhangi rako harubhadhara cheki chero zvakadaro
Muchiitiko ichi, kambani yako yekadhi yemakadhi ichakubhadhara iwe yakadzoka chekubhadhara mari . Kana iwe usingaiti mubhadharo mukati memazuva makumi matatu, iyo nhoroondo yako ichaonekwa seyokudarika kune chikwereti chekwereti uye chikwereti chako chekwereti chichagadziriswa.
Cherechedza kuti izvi hazviitike nokuti iwe waive nechikwereti chakadzoka, asi nokuti cheki yakanyorerwa kuti uvhare chikwereti chako chekwereti chekwereti yakadzoserwa.
Kana cheko ichiri kuramba ichidzorerwa, kadhi yako yekadhi yemakadhi icharamba ichinzi ichinyanyisa uye chikwereti chako chikwanganiso chichaita zvakanyanya kukuvadza. Paunoshandisa cheki kuti ubhadhe kadhi rako rechikwereti , iva nechokwadi chokuti une mari yakakwana muakaunti yako kuti uvhare cheki uye chero ipi zvayo yakatengesa.
Bank Overdrafts uye Your Credit Score
Kunyange zvazvo bhizinesi risina kubhadhara zvingave zvisina kukanganisa yako chikwereti chikwata, pangave nekugadzirisana pakati pebhengi rakakura rebhadhiro uye chikwata chechikwereti chakaderera. Kana iwe kazhinji uchingotarisa kuongorora kero yako , chiratidzo chokuti uri kushandisa mari yakawanda kupfuura iwe. Izvi zvinogona kureva kuti iwe uri kutora chikwereti chakawanda kudarika iwe unogona kubhadhara uye kuti iwe wakashaya chikwereti chako chekadhi rechikwereti nokuti hauna mari yekubhadhara zvikwereti zvako. Izvi ndezvipi zviviri zvakakosha pane yako chikwereti mapeji .
Zvimwe zvikwereti zvekwereti
Bhengi yako inogona kuva nekodhikodha scoring system iyo inoshandisa ruzivo mubhuku rako rekwereti pamwe nemuganhu wako webhuku nebhangi iroro. Kana bhenji yako ikashandisa rudzi urwu rwekwereti chikwereti , icho chikwereti chekwereti chaiyo chinogona kuchinjwa nekudarika kwako kwepiritori.
Iko kungangobatsira kukwanisa kwako kuwana kadhi rechikwereti kana chikwereti nebhangi iyo kana mabhizimisi ayo. Yako FICO chikamu uye chikoro chikoro chakagadzirwa nemarikiti chekwereti nemamwe mabhizimusi haachazogadziriswa nekodhidhi yebhangi inodhadharwa kunze kwekuti iyo overdraft inoguma pamusoro pekwereti yako yekwereti kuburikidza nekambani yekuunganidza kana kubhadhara kwenguva pfupi .
Iko kunewo mazano ehupfumi ehurumende anotaura nezvekuongorora maakare akavharwa nebhadharo yakakosha. Izvi zvinosanganisira Certegy Check Services, ChexSystems, uye Telecheck. Kuva nekodhi yakanyorwa neimwe yezvikwata izvi kunogona kuchinja kukwanisa kwako kuwana kero itsva yekuongorora. Zvisinei, ruzivo runobva kune mamwe mazano ehupfumi hwenhau hauna kubatanidzwa muchikwereti chako.