Mutemo Waipfuura Kuti Uchengetedze Vatengi veKadhi Card
Mutemo weCARD wakaita kuchinja kukuru kune mutemo wekadhi yekwereti iripo kusanganisira mitemo pamusoro pezvikwereti zvinowedzera kuwedzera, zvinyorwa zvekutengesa, zvidzoro-zvimhosva, uye kubhadhara nekuda kwemasikati.
Kunyange zvazvo hurukuro dzakawanda dzeCARD Act dzisina kutora kusvika musi waFebruary 22, 2010, mamwe emutemo akazobudirira kutanga musi waAugust 20, 2009. Heino mhedziso yezvimwe zviitiko zvakakosha zvakauya negore ra2009.
Advance Notice yeNhamba Yechido
Kutanga musi waAugust 20, 2009, kadhi rechikwereti zvinobudisirwa zvino inotarisirwa kutumira zvinguva makumi makumi mashanu nemakumi mashanu ekunyorwa kwezvinyorwa zvinyorwa zvekuda kwekuwedzera kuwedzerwa kana zvimwe zvakakosha kadhi rechikwereti. Izvo zvimwe zviitiko zvinokosha zvinosanganisira kuwedzera mune chero mari yekubhadhara kana mari yemari. Vatengi vemakadhi echetheni vanofanira kuziviswa nezvekodzero yavo yekuramba, kana kusarudza-kubva, kuchinja. Kunyange zvazvo mutemo unoda makambani ekukwereta kadhi rechikwereti kuti ape chiziviso chekuwedzera kwechido chekuwedzera, chiito hachidi kuti zviziviso zvekubhadhara zvishoma zvigone kuwedzerwa.
Hapana Mutemo weKubuda-Kunze
Kana ukasarudza kusarudza kubva mune kadhi rechikwereti uye uvhare kadhi yako yekadhi yemakadhi, kadhi yako yakabhadhara haikwanisi kubhadhara mari yakawedzerwa nokuti wakavhara kero yako, kukanganisa konti yako, kana kuti iwe ubhadhe chikwereti zvakakwana pakarepo.
Chikwereti chako chekwereti chekwereti chingaita: kuwedzera kubhadhara kwako kwemwedzi kusvika kune 100% (kaviri yacho), zvinoda iwe kuti udzorere mari yako mukati megore mashanu, kana kuti inogona kusiya chirongwa chako chekubhadhara chakafanana.
Hapana Nhamba Inowedzera kuZvienzanirana Zviripo
Kadhi kadikiti vanobhadhara havakwanise kusimudza chikwereti chenharaunda yako pane zviyero zviripo (hakuna retroactive interest rate inowedzera), kunze kwemamwe mamiriro ezvinhu.
Mienzaniso yeNharaunda Yechido inowedzera
Kadhi kadikiti vanobhadhara havakwanise kuwedzera chiyero chezvikwereti pane zviyero zviripo kunze kwemamwe mamiriro ezvinhu:
- Chikwata chekufarira chikwata chapera . Chikwereti chekwereti chikwereti chinofanirwa kunge chakakuzivisa iwe kutanga kwekutanga kwekutsvaga kwehuwandu kwehuwandu hwekutsvaga kwekutsvaga kwaizoguma uye chii icho chikwata chekudarika chichava kana chikoro chokudhinda chapera. Kukurudzira mitengo kunofanira kupedza mwedzi mitanhatu.
- Kadhi rekwereti rechikwereti rine chido chekutsvaga chinokanganisa icho chikwereti chekwereti chisingatungamiri uye chinogona kutaridzirwa nyore nyore nevanhu vose.
- Iwe wapedza chirongwa chekuoma kana kuti chirongwa chekuoma chinogona kubviswa . Iko kuwedzerwa kwechirwere ichi hachikwanisi kuva chakakwirira kudarika zvaive iwe usati watanga purogiramu. Uyezve, unofanira kunge wakamboudzwa usati watanga purogiramu icho icho chido chekufarira chaizove kana chirongwa chacho chapera kana kubviswa.
- Iwe wakanga uri mazuva anopfuura makumi matanhatu ekupedzisira pamutengo wako wekubhadhara kadhi rechikwereti. Kana chikwereti chako chinowedzera nekuda kwekubhadhara kwekupedzisira, iwe unofanirwa kugamuchira chiziviso kana chikwata chekufarira chichiwedzera kukuudza iwe nei chiyero chawedzerwa. Kana iwe ukaita bhadharo yako shoma pane imwe nguva kwemwedzi mitanhatu inotevera, kadhi yako yakabhadhara inofanira kuderedza chidimbu chako chechido.
Hapana Nhamba Inowedzera kuNhoroondo dzeNew
Kana ukazarura kadhi kadhi rekwereti, kadhi yako yakabhadhara haikwanise kusimudza chido chako chekuda mukati memwedzi gumi nembiri yekambani yako, kunze kwekuda kunotsanangurwa pamusoro apa.
Kuwedzera Kuwedzera Kunofanira Kuongororwa Bi-Gore
Mushure mekuda kwekudarika kwave kuchiwedzerwa, kadhi rechikwereti chikwereti rinofanira kuongorora iyo nhamba mwedzi mitanhatu kuti ione kana iyo inogona kuderedzwa. Kana zvikonzero izvo zvakatanga kukonzera kuwedzera kwechidhindo kuwedzera kwave kuchinja, mubhadhadzi wekadhi anofanira kuderedza chikwereti chechido.
Sarudza-In Inodiwa Kuda Kwemitemo
Kadhi-kadhi yemabhadhari inofanirwa kupa vateeri vemakadhi mukana wekusarudza-kupinda kune -iyo-pamari . Kunze kwekunge vatori vemakadhi vataura kuti vangada kudarika-iyo-kugadzirisa kushandiswa kugadziriswa, izvo zvishandiswa zvinopfuura kudarika chikwereti chekwereti zvinofanira kurambidzwa.
Vasati vasarudza-in, vatambi vemakadhi vanofanira kutaurirwa chiyero chemari yepamusoro-ye-mubhadharo. Muchengeti wekadhi akange asarudza-kupinda-iyo-mubhadharo ane kodzero yekusarudza-chero nguva.
Zvikwereti zveMari-ye-Chikwereti
Anopfuura-iyo-mubhadharo unogona kungotengeswa kamwe chete mubhadharo yekubhadhara uye chete kwezvikamu zvitatu zvekubhadhara mabhiriji kunze kwekuti iwe uchibhadhara bhadha yako pasi pemutengo wechikwereti uye uendezve zvakare kana iwe uwane chikwereti chekwereti uye uwedzere new limit.
Mitsara Inofanira Kuzoshandurwa PaZuva Rinozogamuchirwa
Chero kubhadhara kwakagamuchirwa ne5: 00 masikati pamusi wakakodzera kunofungidzirwa nenguva. Zuva rako rekubhadhara rinofanira kuva zuva rimwe chete pamwedzi. Kana zuva rako rekubhadhara rinowanikwa pazororo, vhiki yevhiki, kana rimwe zuva kadiki yako mubhadhari haagamuchiri kubhadhara, mutero wako unogona kushandiswa pazuva rebhizimisi rinotevera pasina chekubhadhara chikwereti.
Kana kadhi yemukana achibvuma kubhadhara pabazi remukati, mari ipi zvayo yakagamuchirwa pabazi remukati inofanira kushandiswa musi iwoyo.
Pamusoro-Pasi Pazvinobhadhara Inofanira Kugoverwa Zvakanaka
Mishonga iri pamusoro pehuwandu inofanira kushandiswa kune yepamusoro yemari yekutengesa yekutanga, inoteverwa neyo inotevera yakanyanya kufarira, kunze kwekuda kwechiyero nechechiri kuwanikwa. Kana iwe uine chikwereti chakakodzwa chibereko, hutori wose huchaenda kune iyo yero muzvikamu zviviri zvekupedzisira zvekubhadhara.
Hapana Chete Chakatsiviwa Chekuendesa Kadhi Chekuchinja
Iwe haugoni kubhadharwa mari yekupedzisira kana chikwereti chako chisina kushandiswa nokuti kadhi yako yekwereti yekwereti yakaita shanduko kumakero ayo ekutumira kana kubhadhara kushandiswa kwemitemo. Izvi zvinoshanda kumitero yakagamuchirwa kwemazuva makumi matanhatu mushure mekushandurwa uku kwakabudirira.
Hapana Chee Nenzira Yokubhadhara
Kadhi kadikiti vanobhadhara havakwanisi kubhadhara mari inobva pamutero wenyu wekubhadhara kunze kwekunge makakumbira kubhadhara kutengesa kunofanirwa kushandiswa nemumiririri wevashandi.
Unofanira Kupiwa Nguva Yokubhadhara Bhiri Yako
Kadhi kadikiti yako yechikwereti inofanira kutumira zvinyorwa yako yekubhadhara kwemazuva makumi maviri nemaviri zvisati zvaitika zuva rako rakakodzera. Iwe haugoni kukweretwa mari yekupedzisira kana mutemo wako wekutengesa usina kutumirwa kana kutumirwa kwauri kwemazuva makumi maviri nemaviri asati kubhadhara kadhi rako rechikwereti.
Iwe Unofanirwa Kuva Nenguva Yokubhadhara Mukati Nyaya Yenyasha
Kana kadhi yako yekwereti yekwereti ine nguva yenyasha iyo iwe unogona kubhadhara mari yacho yakazara uye udzivirire mari yekubhadhara mari, chirevo chako chinofanira kutumirwa kana kutumirwa kwauri kwemazuva makumi maviri nemaviri gore risati rasvika mari yekubhadhara mari yako.
Universal Default Inorambidzwa
Zvose zvisiri pasi ndeye chirevo mukati memvumo yako yekadhi yemakadhi yemvumo inobvumira card yako mupeti kuti akure iwe chido chekuda chero nguva chero ipi zvayo. Kadhi-kadhi yemabhadhari vakashandisa chirevo ichi kushandisa chikwereti chechibereko chekuda kana iwe wakanonoka pane kubhadhara kune imwe kadhi rechikwereti. Mutemo weCARD unorambidza zvachose kusakanganisika.
Kubhadharwa Kwechipiri Kushandiswa Kwemari Mari Dzakabhadharwa
Nzira yekubhadhara kaviri yekubhadhara mitero yemari haisi pamutemo pasi peCARD Act. Kadhi-kadhi yemabhadhari havagoni kubhadhara chikwereti pane zviyero kubva kumutambo wekubhadhara wapfuura. Izvowo hazvikwanisi kubhadhara chikwereti muzviyero zvakave zvakabhadharwa. Chimwe chinhu chinowanikwa pamatare emari pamarikero iyo yaiva chikamu chekubhadhara kukanganisa kukanganisa kana mari yebhadharo yakapomerwa chekudzoka.
Zvikwereti paMari yekutanga yeApriprime Credit Cards
Mugore rayo rokutanga, chero mari inoshandiswa nepa subprime credit card haigone kudarika 25% yekwereti yechikwereti. Pane kadhi rechikwereti rine $ 400 chikwereti chikwereti, zvikwereti zvacho zvinotengeswa kana kadhi rechikwereti rakazarurwa hazvikwanisi kuva rinopfuura $ 100. Izvi zvinosanganisa mari yekubhadhara kwekupedzisira, kudarika-iyo-mubhadharo yemari, uye kudzoka chekubhadhara mari.
Minimum Payment Mirayiridzo Inofanira Kuonekwa Pamitemo Yekubhadhara
NeCARD Act, vatori vemakadhi ekwereti vaifanira kutanga kuzarura mari yekuita zviduku-chete chete . Mashoko okubhadhara anofanira kunge aine chirevo ichi (kana chimwe chinhu chakafanana nacho): "Minimum Payment Warning: Kuita chete mari shoma inowedzera kuwanda kwezvaunofarira iwe uye nguva inotora kuti udzorere mari yako."
Mutemo wekubhadhara unofanira kusanganisira:
- Nhamba yemwedzi inotora kubhadhara chikamu kana kungowanikwa mari shoma.
- Iro mari yose yekuita zviduku-zvinongororo chete zvichienderana nehuwandu hwechidimbu. Mutemo wekubhadhara unofanira kusanganisira muwandu wehutungamiri nemari inobhadharwa.
- Mari yekubhadhara yemwedzi inodiwa yekubhadhara chikero mukati memwedzi makumi matatu nemakumi matatu pamwe chete nehuwandu hwekuda uye mukuru wechipiri wakabhadharwa purogiramu yekubhadhara mwedzi 36.
- Nhamba yekushambadzira iwe unogona kukoshesa kuti uwane ruzivo pamusoro pekubhadhara mari yechikwereti.
Idzi ruzivo runofanira kuratidzwa mu tafura apo iwe unogona kuiverenga. Haikwanisi kuvanzwa pane imwe nzvimbo mumutemo wekutengesa uko iwe usingaiti kuti uiwane.
Mashoko Okubhadhara Anofanira Kubatanidza Kubhadhara Kwekupedzisira Kwemafaini uye Mhosva
Pamusoro pezvikwereti zvikwereti zvinotengesa mari yekupedzisira yekubhadhara kwekupedzisira, mutemo wekubhadhara unofanira kusanganisira zuva rekubhadhara rinofanira (kana zuva rinobhadhara mari inenge ichishandiswa) pamwe chete nemari yekubhadhara kwapera. Kana chikwereti chekupedzisira chizoita kuti chido chekuwedzera chiwedzere, ichocho pamwe chete nemari yemari yekuda kufanirwa inofanira kunyorwa pane zvinyorwa zvekubhadhara. Zvikamu zviviri zvemashoko zvinofanira kuonekwa mune imwe nzvimbo iyo cardholder inogona kuwana uye kuiverenga.
Kuzivisa Mitemo ye "Free" Reports Reports
Chero chiziviso cheshumo chekwereti chepachena chinofanira kuzivisa kuti mutemo weGedhiyo unobvumira vashandi kuwana mari yebhadharo rekubhadhara pa AnnualCreditReport.com. Terevhizheni nemadhidhiyo anotengeswa anofanira kusanganisira mutsetse unotevera: "Iri haisi ripoti risina mari yechikwereti rakapiwa neRussia mutemo."
- Nzira Yokudzivirira Nemahara Chikwereti Mharidzo
- Nzira Nhanhatu dzekushandisa mari yekusununguka
- Nzira Yokurapa Yako Gore Negore Chikwereti
Inotonga pamadhikodhi eVaduku Vakuru
Pasi peCARD ACt, makadhi ekubhadhara chikwereti haakwanise kupa makadhi emakadhi kune chero mutengi pasi pe21 kunze kwekuti munhu wacho atumira chikumbiro chakanyorwa chekadhi rechikwereti. Vakuru vechidiki vari pasi pemakumi maviri nemaviri vanofanira kuva ne-sign-mark kuti vawane kadhi rechikwereti kana vanofanira kuratidza kuti vane nzira yekudzorera chikwereti chekadhi rechikwereti.
Pre-screened offers for credit can not be sent to consumers under 21.
Kadhi kadikiti vanobvumidzawo vanorambidzwa kupa zvinhu zvisingabhadhari kuvadzidzi vekukolishi mukutsinhanisa chikwata chekadhi rechikwereti chakapedzwa pane chero chiitiko chinowanikwa pamusasa, pedyo nekambasi, kana kuti pachiitiko chekoroji.
Muchiito chacho, Congress inokurudzira, asi haifaniri, kuti zvikoro zvinoda makambani ekadhi rechikwereti kuti azivise chero musangano wekutengeserana wekambani kare; iyo makoroji anogadzirisa nzvimbo iyo zviitiko zvekukwereta zvine kadhi rechikwereti zvinoitika; uye kuti zvikoro zvinopa chikwereti chekwereti uye chekuita chikwereti sechikamu chekutsvaga kwevadzidzi.
Inotonga pamusoro peChip Card uye Chipo cheSitifiketi Chikwereti
Kwose kambani inopa kadhi yechipo, chipo chechipo, kana kadhi yakabhadharwa haibvumirwi kubhadhara kusabhadhara mari kunze kwekuti kadhi rechipo risina kushandiswa kwemwedzi gumi nembiri. Mutengi anofanira kuudzwa (asati atenga chikadhi chechipo) kuti kusabhadhara mari inogona kuongororwa. Nhamba yemari iyo inofanira kubudiswa mberi nguva.
Chipo chechipo chekupera chinofanira kuva makore mashanu kubva pazuva raakatenga kana makore mashanu kubva pamusi wekupedzisira mari yakatakirwa muchoti. Kana kadhi yechipo ine zuva rokupera, rinofanira kuzarurirwa isati yatenga chiremba.
Mitemo iyi haishandisi kumakadhi efoni anokwanisa kutakurwa, makadhi anokwanisa kutengeswa asingatengeswi sezvipo zvemakadhi kana zvipo zvechipo, makadhi anoshandiswa panzvimbo yetikiti zvekupindirwa kune zvimwe zviitiko, uye zvipi zvepatipi zvipo.
Zvikwereti zveKodhadhi Mucheri Mhirizhonga
Chikadhi chekwereti chekwereti chinoputsa Chikwereti CARD Act chinogona kubhadharwa pakati pe $ 500 ne $ 5,000 nokuda kwekuputswa kwega kwega.