Kadhi rechikwereti inongova nzira yekuwana nayo keroti rechikwereti bhangi yakaita kuti iwe uwane. Nhoroondo yekwereti inouya nemimwe tsvimbo, iyo inotsanangurwa muchibvumirano chako chekadhi rechikwereti. Chibvumirano chekadhi rechikwereti chibvumirano chinotsanangura mazwi, mitemo, mitengo, uye zvikwereti zvekadhi rechikwereti.
Nokushandisa kadhi rako rechikwereti kana kusabvisa mukati mehumwe nguva mushure mokunge uchitora, uri kubvumirana nemashoko ari muchibvumirano chekadhi rechikwereti, chausina kuwana.
Chikwereti chekwereti chikwereti chinogona kuchinja mazwi panguva ipi neipi, nekucherechedza mberi, nekuramba uchishandisa zviratidzo zvekadhi rechikwereti iwe unobvumirana nekushandurwa mumashoko. Iwe unogona kukanganisa zvimwe zvikamu zvechibvumirano chako chekadhi rechikwereti, sechirevo chekubvumirana, asi zvinoenderana nekadhi kadhi rechikwereti.
Chii chiri muchibvumirano cheCredit Card
Chikwereti chikamu zvibvumirano hazvisi kufadza kuverenga, kunze kwekuti iwe unenge uchida kuziva mazwi emakadhi emakadhi. Asi, sezvo chibvumirano chekadhi rechikwereti chibvumirano chepamutemo, unoda kuziva zvauri kubvumirana nazvo.
Chibvumirano chekadhi rechikwereti chinonyora ruzivo rwekutengesa kwekadhi rechikwereti:
- gore rega rega purogiramu yega yega yega yemari inogona kutakurwa - kutenga, kutengesa kutengesa, uye kuenderera mberi kwemari - uye chirango chechirwere kana chinoshanda
- iyo nhamba yekutsvaga iyo inoshandiswa inowanikwa yakaenzana yakasungirirwa, sewe prime rate
- mari yekubhadhara mashoko, kusanganisira mari shoma yebhadharo, nzira yekubhadhara mari yemari, uye kana iwe usingakwanisi kubhadhara mari
- nyasha nguva
- iyo mari yaunogona kukweretwa uye apo ichakwaniswa
Zvinyorwa zvinoratidzwa pamusoro apa ndezvishoma zvinyorwa zvemashoko zvakabatanidzwa muchibvumirano chekadhi rechikwereti.
Aya magwaro anowanzotora nguva refu uye anotsanangura zvose zvese zvekadhi rako rechikwereti kusanganisira:
- chikwereti chako chekwereti uye ruzivo pamusoro pokuti ingabhadhara sei kadhi rako rechikwereti
- tsanangudzo yekushandisa kadhi rako rechikwereti mune imwe nyika
- kuti mari yako shoma inotarwa sei
- maitiro ekubhadhara chikoro chako chekwereti uye kuti mari yako inoshandiswa sei
- kuti chikwereti chako chekwereti chinonzi sei kune chikwereti chekwereti
- kuti mashoko ako akagoverwa sei kana akachengetwa pachedu
- inoshandura chikwereti chekwereti chikwereti chingaita ku account yako
- chii chinoreva kusipo uye chii chinoitika kana iwe usina kukwana
- nzira yekubata rakarasika kadhi rechikwereti
- nzira yekuvhara account yako
- mararamiro ekugadzirisa kukakavadzana nekadhi rechikwereti
- mutemo wepamutemo unotsigira chibvumirano chekadhi rechikwereti
Nzira Yokuwana Nayo Chikwereti Chako CheKwereti
Mutemo weBurumende unoda mari yose yekwereti yekwereti nemakadhi ekukwereta makadhi anokwana 10 000 kunyora kopi yemakadhi avo ekukweretesa paIndaneti. Kadhi kadi yako yekubhadhara chikwereti inofanira kukupawo kopi yechibvumirano chekadhi rechikwereti chekombi yako kana iwe uchikumbira. Pakupedzisira, Consumer Financial Protection Bureau ine gwaro rekushandisa iro rinosanganisira zvibvumirano zvekadhi rechikwereti kubva kune vanopfuura 300 kadhi rechikwereti.