Kana iwe uri kadhi rechikwereti mubayiro junkie, kana uchida kuva umwe, unogona kunge wakanzwa nezvekwereti kadhi rechikwereti. Ziva kuti kana iwe uchifanira kungwarira paunenge uchisayina kune dzimwe kadhi rechikwereti kuti uwane mabhonasi nezvimwe zvinowanikwa. Kana iwe usiri wemhosva nemakadhi emakwereti uye iwe hauna zvigaro zvezvemari panzvimbo, unogona kuguma zvakadzama mune chikwereti uye nechikwereti chinokanganisa chikwereti. Nezvokutanga kubva panzira, ngatitorei muhutano hwekuti kadhi rechikwereti churning rinoshanda sei.
Chii Chinonzi Credit Card Churning?
Vakawanda vane kadhi rechikwereti vanobvisa mabhonasi makuru ekunyora . Vatsva vadhidhidhi vanowana bhonasi yakawanda yekushandisa imwe mari mukati meimwe nguva yakatarwa - kazhinji mazuva ekutanga 90 ekuzarura kadhi rechikwereti. Iyo yakawanda mibairo yemakadhi emakadhi iwe ozarura, mabhonasi akawanda ekunyora iwe unogona kuwana.
Chikwereti churning chinoreva mutsika wekuvhara nekuvhara kadhi rechikwereti kuti uwane bhonasi yayo yokunyora kakawanda. Kuita izvi nezvikwereti zvakawanda zvemakadhi kunoita kuti uwane mimwe mibairo yakawanda kupfuura iwe waunowana kana iwe wakanamatira kamwe chete kadhi rechikwereti. Iwe unogona kushandisa mamwe mazano - sekubatanidza mibayiro kubva kuvimbika mapurogiramu - kuwedzera muwandu wemubairo waunowana.
Mirairo Yekutevera
Pane mazano mashomanana aunoda kubatisisa kune kubudirira zvikuru nekadhi kadhi rechikwereti.
Bhara bhadha yako yakazara mwedzi mumwe nomumwe . Iva nechokwadi chokuti hausi kushandisa mari kupfuura iwe unogona kubhadhara, kunyange iwe uchida kubhadhara.
Kana iwe usingakwanisi kubhadhara chikwereti chako chakakwana pamagumo emwedzi mumwe nomumwe, unofanira kufungisisa zvakare kadhi rechikwereti churning. Uye iwe zvirokwazvo haufaniri kuedza kuwana mabhonasi pane imwe kadhi rechikwereti panguva imwechete kana uri kutambudzika kushandisa uye kubhadhara kamwe chete kadhi rechikwereti. Kuvhara zvikwereti zvikwereti zvekadhi rechikwereti zvinogona kukuita iwe kuti uve rudzi rwechikwereti chinotora makore kuti ubhadharire.
Chimwe chikonzero chekubhadhara zviyero zvako mwedzi mumwe nomumwe - kurega kubhadhara chikwereti paunoyera. Pfungwa yekuchera makadhi ekukwereta ndeyokuwana rubatsiro kubva kune kadhi rechikwereti. Chero chikwereti chaunobhadhara chinoderedza pasi mari inobatsira yaunowana kubva pakadhi rako rechikwereti.
Nguva dzose ita zvikwereti zvako nenguva . Tumira chikwereti chako pamwedzi pane nguva yekudzivirira mari yekupedzisira uye kukanganisa kwereti yako. Kana chikwereti chako chichitsvaga nekuda kwekubhadhara kwekupedzisira, unogona kuwana zvakaoma kuti uwane mvumo yekupa mubayiro makadhi emakadhi munguva yemberi. Iwewo unoda kubhadhara pane nguva yekudzivisa kukanganisa mibairo yako.
Iva nechinangwa chemashoko ako . Iwe unofanirwa kugara uine pfungwa yezvauri kushanda kune. Mazuva mana mu Santorini. A cruise in the Bahamas. Kushanyira vanasekuru navanasekuru vako mazororo. Mikana yekushandisa mibairo yako inenge isingaperi. Kuziva zvaunoda kuita nemapfungwa ako kuchakubatsira kusarudza zvikwereti zvikwereti zvekwereti uye kukuchengetedza kubva kushandisa mapepa ako nguva pfupi.
Usatora mamwe makadhi emakwereti kupfuura iwe unogona kubata . Iwe unofunga kuti mamwe makadhi echikwereti anoreva mamwe mabhonasi uye mamwe mapeji. Asi, kutora zvikwereti zvakawanda zvemakadhi kunogona kuumba matambudziko. Kana iwe usingakwanisi kuwana mari shoma yekushandisa pamatarenda akawanda emakadhi iwe unogona kupedzisira uine chikwereti chakawanda kupfuura iwe unogona kuita.
Chengeta mari yegore negore mupfungwa . Zvikomborero zvakawanda zvekwereti makadhi zvinoshandiswa gore negore mugore rokutanga. Vamwe vanogona kupa rubatsiro rwakakodzera kubhadhara kadhi rechikwereti uye kubhadhara mari yegore negore. Somuenzaniso, unogona kuwana hotera yekusununguka kugara gore negore. Kana mutengo wegore negore wakaderera kupfuura husiku huri muhotera, kadhi ingave yakakodzera kuchengeta. Yeuka kuti unofanirwa kushandisa kadhi rako rechikwereti kamwechete kamwechete kwenguva pfupi kuti rirambe rakashanda uye iwe unofanira kuenzanisa mari yekushandisa mari yekwereti nemari yaunenge uchiita pamakadhi emakwereti apo uri kuedza nomwoyo wose kuwana bonus.
Nguva dzose unotarisa kunze kwekutenga kadhi kadi yechikwereti . Kadhi-kadhi yemabhadhari vanoshandura maitiro avo kazhinji. Usafungidzira kupa kwaunoona pane webhusaiti yavo ndiyo iyo yakanakisisa yaunogona kuwana panguva iyoyo. Apo iwe unofarira kadhi rechikwereti, chengeta mazita mashomanana akasiyana-siyana (kunyanya webusaiti yemakadhi ekukwereta) kuti uone zviri kugoverwa.
Shandisa chati kana spreadsheet kuti ugare nezvose . Hongu, zvinongova zvakanyanya. Iwe unoda kuchengetedza nezvimwe zvinhu zvakawanda zvekadhi rechikwereti iwe uri kuzarura:
- Iko kadhi rechikwereti uye kadhi rechikwereti chaiyo
- Musi wamakazarura kadhi rechikwereti
- Chikwereti chekwereti chemari yegore negore uye kana rakasunungurwa
- Zuva iro mari yegore roga roga ichabhadhara kana yakasunungurwa mugore rokutanga (kana iwe usingachengeteri account, unoda kuvhara kambani isati yasvika)
- Bhonasi
- Mari inoshandiswa
- Zuva raunoda kusangana nemari inoshandiswa
- Mari yako yemazuva ano yekwereti (uye zviyero pasi pemakadhi ose ekwereti)
- Kufambira mberi kwako kusvika kusangana nemari inoshandiswa
- Pasinei nokuti bhonasi yave yakashandiswa ku-akhawunti yako
- Pasinei nokuti wakashandisa bhonasi
- Nguva yekutsvaga kwehuwandu hwekutsvaga
Nguva dzose verenga zvinyorwa zvakanaka . Kuverenga kuburikidza nemitemo yemakadhi echikwereti inofanirwa. Dzimwe kadhi rechikwereti rinokubvumira kuti uwane bhonasi pane imwe mamiriro ezvinhu, sewe iwe hauna kuwana bhonasi kubva kumuchechi wekupa makadhi mukati memwedzi 24 yapfuura. American Express, somuenzaniso, inobvumira vatori vemakadhi kuti vawane bonus imwe chete pamakadhi ekwereti. Kana wawana bhonasi kune Amex chaiyo, haungakwanisi kuwana bhonasi yemakadhi echechi chekwereti zvakare. Mazwi emakadhi echetheni anogona kuchinja, saka edzai maitiro nemamiriro ezvinhu musati maita kadhi rechikwereti.
Ngwarira makadhi mashoma anozarura munguva pfupi . Kadhi kadikoni vanobvuma kukanganisa kadhi rako rechikwereti kana iwe wakazarura kana kushandisa ma kadhi akawanda emakadhi mumwedzi 12 kusvika ku24 yapfuura.
Usamboiti kuenzanisa kuwedzerwa kana kutora mari kufambira mberi . Izvi zvisingatengi sekutenga uye naizvozvo hazvizokubatsiri kusvika kushandiswa kwako kushandiswa. Vanongotora chikwereti chako chekwereti uye vachikusiya iwe nekamuri shoma rekushandisa. Kunyanya zvose kutengesa kunowanzoita mari, chimwe chinhu chaunoda kudzivisa kuwana huwandu hunobatsira kubva pakadhi rechikwereti churning. Uye, pane zvakaitika kare, iwe hauna kuwana nguva yenguva yemari yemari uye unotanga kubhadhara chikwereti pakarepo.
Mienzaniso yekuzarura makadhi eChechi
Kadhi-kadhi yemabhadhari vanoda kuve nevatengi vakavimbika avo vachava nemakadhi avo emakadhi kwemaawa mashoma. Saka, mukuedza kupedzisira pasi pa kadhi rechikwereti churning vazhinji vane kadhi rechikwereti vanopa mari zvino vari kukanganisa nhamba yemakadhi emakwereti unogona kuzarura.
Somuenzaniso, vazhinji vaChese vatengi vakaona kuti Chase haingabvumi kushandiswa kwevatengi vakazarura makadhi matsva emakadhi (chero makadhi emakadhi) mumwedzi 24 apfuura.
Mireji ekuzarura matsva emakadhi echikwere anongoreva iwe unofanirwa kuva nehuwandu hwepamusoro apo iwe uzarura makadhi emakwereti uye makadhi anokonzera iwe.
Kadhi-kadhi yemabhadharo anogonawo kugadzirisa nhamba yakazara yeakaunti dzakasununguka iwe unogona kuva nadzo panguva imwe chete. KwaAmerican Express, somuenzaniso, muganhu mune makadhi emakadhi.
Ko Credit Card Churning Inobatsira Chikwereti Here?
Chikwereti churning chinogona kukanganisa chikwereti chako chekwereti, asi zvichida hazvizoiti kukuvadza chikwereti chako. Yeuka kuti nhoroondo yekubhadhara uye uwandu hwechikwereti ndezvimwe zvikurusa zviviri zvinokanganisa chikwereti chako . Kana iwe uchiita mari yako yose pamwedzi nenguva uye uchengetedze kadhi rako rechikwereti rakaderedzwa, iwe uchachengeta chikwereti chako kubva kunotora.
Nguva dzose kana iwe ukanyorera kadhi rechikwereti, kune dambudziko rakaoma mukati mekwereti yemari yako. Iyi mibvunzo inogona kukukanganisa chikwereti chako - mibvunzo ndeye 10 muzana yekwereti yako chikoro - kunyanya mamiriyoni munguva pfupi.
Kuvhura nhoroondo idzva kunogona kuderedza chikamu chako chekwereti yezera - chimwe chinhu chiri 15 muzana chekwereti yako chikwereti.
Iwe unogona kutoona zvakasiyana - chikwereti chako chikoro chinowedzera - nokuti iwe uri kungwarira pamusoro pokugadzirisa yako nguva uye kubhadhara mari yako yakazara mwedzi mumwe nomumwe. Vamwe makadhi ekukweretesa vane chikwereti vanosanganisira chikwereti chekwereti pasina mukati memashoko enyu emwedzi. Kana pasina chekadhi yako ine ruzivo urwu, unogona kushandisa shanho yekwereti scoring service seKwereta Karma kana kuti Credit Sesame kuchengeta mabhesi pachikwereti chako. Iwe unogona kugara uchidzoka pane kadhi rechikwereti churning kana iri kukanganisa chikwereti chako chikoro.
Credit Card Churning Zvingave Zvisina Kuwe Kana ...
Sezvinonakidza sezvo zvingave zvakajeka kuti uwane bhonasi mushure mebhonasi kuitira kuti urege kusununguka, pane zvimwe zvinhu zvokutarisira apo iwe uri churning makadhi emakadhi.
Iwe hauna chikwereti chakanaka . Iwe unowanzodikanwa kuva nechikwereti chakanakisisa kusvika uchikwanisa kuwana mubayiro wakanaka makadhi emakadhi. Kana iwe uine ruzivo rwakashata pamushumo wekwereti yako, kufanana nekubhadhara kwekwereti kana kukwereta chikwereti, iwe unofanirwa kuvandudza mhizha yako yechikwereti usati waedza kubvisa makadhi emakadhi.
Uri kugadzirira chikwereti chikuru munguva pfupi . Iwe unogona kunge usingadi kubhadhara chikadhi chekwereti (kana zvichida kuisa churning yako pane imwe nguva kwenguva pfupi) kana uri kugadzirira chikwereti kana chimwe chikumbiro chikuru chekukwereta mumwedzi 18 kusvika ku24. Nhamba yekubvunzwa uye nhoroondo dzechangobva kuzarurwa dzinogona kukanganisa chikwereti chako chekwereti uye kuita kuti zvive zvakaoma kuti ugone kugamuchirwa kweakaunti itsva - kunyange kana wakambova nenguva uchibhadhara yako yose.
Iwe hausi kushandisa mari yakawanda mwedzi mumwe nomumwe kuti usangane nemari inoshandiswa . Iwe unofanirwa kupedza mazana emadhora emadhora mukutenga mune mwedzi mishomanana chete kuti usangane nemari inoshandiswa. Kana yako ikozvino kushandiswa haisi yakakwana zvakakwana kuti usangane nemari inoshandiswa, churning ingasave iri mberi kwako. Kuwedzerwa kwemari yako kuti uwane mabhonasi kunokuisa pangozi yekugadzira zviyero zvakakura kudarika iwe unogona kubhadhara.
Iwe hauna nguva kana kufarira kuchengetedza nekodhi yako kadhi rechikwereti . Iwe unogona kuramba uchiwana mari yechikwereti kushandisa mari mabhonasi nemubairo pane yako kutenga kadhi rechikwereti. Zvisinei, kana iwe wakanyanyisa nezvekuvhara makadhi emakadhi, kuronga zvaunoita ndiko chinhu chikuru.
Iwe hauna kumbova nekadhi rechikwereti . Credit card churning haisi yevasina ruzivo. Iwe unofanirwa kuva nechiitiko chakasimba uchishandisa kadhi rechikwereti uye uchibhadhara chikwereti chako chakazara mwedzi mumwe nomumwe usati wasvika mu credit card churning. Zviri nyore kuti upinde mumatambudziko uye kana kadhi rako rechikwereti rakakanganiswa, zvakaoma kuigadzirisa.