Zvose Zvaunoda Kuziva Nekuvaka Chikwereti
Chikwereti chakaipa chinogona kukuchengetedza kubva pakutenga imba, kubhadhara mari yako dzidzo, uye kunyange kubva pakuwana basa. Ichi ndicho chikonzero zvakakosha kuvaka chikwata chakanaka .
Kutanga nekutanga yako kadhi rechikwereti, zvose zvaunoita zvinosanganisira chikwereti chinova chikamu chenhoroondo yako yechikwereti. Kuti uve nekodzero yakanaka yekwereti, unofanirwa kushandisa chikwereti zvine musoro. Asi chii chakakosha sekushandisa chikwereti zvakanaka?
Tanga Kuvaka Chikwereti Nokuwana Chikwereti
Kuva nechikwereti chakanaka kunoreva iwe wakaratidza kuti iwe unogona kubata chikwereti nekuchengetedza - kuti wakagadzirisa zvikwereti zvako zvekwereti uye wakabhadhara panguva.
Nhanho yekutanga yekuvaka chikwereti ndeyekuwana chikwereti. Kuwana chikwereti kwenguva yekutanga kunogona kuoma kubva mabhengi uye makadhi ekubhadhara chikwereti vachatarisa chikwereti chako kuti chibvumirane neshoko rako. Pane dzimwe nzira dzaungatora chikwereti kwekutanga:
Shandisa Kadhi Yakabhadhara Kadhi
Makadhi emakwereti akachengeteka ndiwo rudzi rwekadhi rechikwereti rinoda kuti iwe uite kuchengeteka pamusana pekwereti chekwereti usati wabvumirwa. Kuchengetedzwa kwekuchengetedzwa kwakaitwa sechikwata chekubhadhara kwaunoita pane kadhi rechikwereti uye kunodzoswa kana iwe ukavhara account kana yakagadziridzwa kune imwe nyaya isina kuchengetedzwa.
Kadhi-kadhi yemabhadharo vanowanzokubvumira kuti vawane kadhi rechikwereti rakachengeteka nokuti kuchengetedzwa kwekuchengetedza kunopedza zvimwe zvekukweretesa chikwereti.
Tora Retail Store Credit Cards
Makadhi ekukweretesa zvekutengesa kazhinji ane zvishoma zvakanyanya zvinokweretwa mari. Sekushandira chikwereti chitsva, iwe uchava nemukana wepamusoro wekugamuchirwa kwekadhi rechikwereti rekutengesa kupfuura mamwe marudzi emakadhi makuru emakadhi.
Iva nehanya kuti makadhi emakadhi ezvitengesi anowanzova nemadhora ekudhura uye e-interest rates uye anogona kungoshandiswa mune imwe nzvimbo yezvitoro.
Kana iwe uchienda nenzira iyi, gara uchiyeuka kuti uri kushandisa kadhi rino kukubatsira iwe kuvaka chikwata chakanaka, kwete kuti uende kunzvimbo yekutengesa pane doro rako raunoda.
Bvunza Mumwe Munhu Kuti Aite Iwe Mvumo Wemushandi
Kuva mushumiri ane kodzero kunogona kubatsira kubvumira chikwereti chako kana chikwereti chekwereti chekwereti inoshuma iyo nhoroondo kune imwe huru yemari yechikwereti. Edzai kuti nhoroondo iri mumamiriro akanaka, haina hutengo hwakakwirira, uye haina nhoroondo yekubhadhara nguva. Kana zvisina kudaro, nhoroondo yakaipa nhoroondo ichakuvadza uye kwete kubatsira chikwereti chako.
Tora Cosigner yeKodhadhi yeKwereta kana Mari
Mumwe mubatsiri ane chikwereti chakanaka anogona kushanda newe kuti uwedzere mikana yako yekugoneswa.
Cosigners vane mutoro pamwe chete wekambani. Izvozvo zvinoreva kubhadhara kunononoka kwekambani kuchaita kuti chikwereti chekosigner chiwedzerewo.
Shandisa maakaunti akachengetedzwa uye ane kodzero yekugadzira kambani yako yekutanga. Zvadaro, kana iwe unogona kugamuchirwa nekodha uri wega, haufaniri kuvimba kune mumwe munhu kuti akubatsire.
Ita Zvaunobhadharwa Nenguva
Mari yekubhadhara ndicho chinhu chakanyanya kukosha muchikwereti chako . Ita kuti chikwereti chako chese chibhadharwe nenguva nenguva mwedzi wega wega kuti uwane chikwereti chakanaka. Kunyanya pa-nguva yekubhadhara iwe unazvo, kunyanya chikwereti chako chikoro chichavandudza.
Iwe uchange uine mamwe mabhiriyoni emwedzi asingabatanidzwi pamushumo wekwereti yako. Izvi zvinosanganisira zvinhu zvakadai sekubhadharwa kwefoni, zvishandiso, uye inshuwarimi. Hazvikuvadzi chikwereti chako chero bedzi uri kubhadhara panguva. Zvisinei, kana iwe usina kukwana pane zvaunenge waita (kusvika pakatarisana nekeri yako yakavharwa), iyo nhoroondo ichaendeswa kune imwe sangano rekuunganidza uye iyo inogona kukurudzira pamushumo wekwereti yako. Panguva iyoyo, zvinokuvadza chikwereti chako chikoro zvikuru.
Tanga Nekwereti Rimwe Kadhi
Vashandi vakawanda vekadhi rechikwereti vepakutanga vanounganidza kuunganidza kadhi rechikwereti mumakore avo mashoma ekushandisa kushandisa chikwereti. Usaita chikanganiso chekuzarura makadhi akawanda emakadhi kare munguva pfupi. Kana iwe uine chikwereti chakawanda, iwe unopedzisa kushandisa uye zvakaoma kuti ugare uchienderana nezviyero zvako nekubhadhara.
Kushandisa kwekadhi kadhidhikiti munguva shoma kwenguva inotungamirira kumibvunzo yakawanda mukwereti yako. Iyi mibvunzo inogona kukuvadza chikwereti chako. Kwete chete izvozvo, mazhinji mitsva yemakadhi ekwereti inogona kukanganisa kero yako yechikwereti. Zviri nani kutanga udzidze kuve nekutarisira nekwereti usati wanyorera mamwe makadhi emakadhi.
Cherechedza Kwakawanda Iwe Unokwereta
Sezvo mutemo, haufaniri kutora chikwereti kupfuura iwe unogona kubhadhara mwedzi mumwe nomumwe. Kukwereta mune zvaunowana zvinoratidza vatengesi venguva yemberi uye vateresi vanoziva kuti iwe uri chikwereti chinokwereta. Uchaona zviri nyore kukwereta mari uye kuwana chikwereti chitsva paunoratidza kuti unoziva kungokwereta zvaunogona kubhadhara.
Kwete izvozvo chete, kungobhadhara zvaunokwanisa chete kunobatsira kuti urege kudzivirira chikwereti .
Kubvisa makadhi ako ekwereti - kana kuti kunyange kusvika pedo-hazvirevi, kunyanya kana iwe usingafungi kubhadhara mari yakazara mukati memwedzi. Vatengesi vanoziva kuti vakwereta vanowedzera maikadhi avo vanowanzoomerwa kudzorera zvavakakwereta. Kuchengetedza chikamu chako pasi pe30 muzana chekwereti yako chikwereti zvakanakisisa pakuvaka chikwereti - chezasi chiri nani.
Chinhu chimwe chete chinoenda kune zvikwereti. Ingotora chikwereti chakawanda sezvaungagona kubhadhara, pasinei nezvinoitwa nemunhu anokweretesa iwe unokodzera. Iwe usati watenga chikwereti, dzoongorora bhajeti yako kuti uone kuti mari ipi neipi yaunogona kubhadhara. Iva nechokwadi chokuti kubhadhara chikwereti chako hachipfuuri mari yawakauya nayo.
Chengetedza Zvikuru Kupfuura Zvishoma PaKadhi Makadhi
Chikwereti chako chikwanganiso hachina kukanganiswa nehuwandu hwekubhadhara kadhi rako rechikwereti - kwete zvakananga zvishoma. Mari yako yechikwereti inofunga kana iwe uchibhadhara panguva uye zviyero zvinokweretwa pamakadhi ako ekwereti uye zvikwereti.
Kunyange zvazvo mutengo wako wekubhadhara hauverengi muchikwereti chako, iwe unofanirwa kubhadhara mari yako yakazara mwedzi mumwe nomumwe.
Izvi zvinokudzivirira iwe kutakura chikwereti chakawanda. Kana iwe uri kungobhadhara izvo zvaunokwanisa kubhadhara, izvi hazvingavi dambudziko. Kubhadhara mari yako mwedzi woga woga kunoratidza kuti iwe unokwanisa kubhadhara zvikwereti, chimwe chinhu chinokwereta uye vatengi vanoda kuona.
Kuita mari shoma hakuzokuvadzi chikwereti chako (kunze kwekuti ichichengetedza chikamu chako chepamusoro makumi matatu kubva muzana chekwereti chekwereti), asi chinokuchengetedza iwe chikwereti kwenguva refu.
Chengetedza Nhoroondo Dzako Dzakasununguka
Kana uchinge watora chikwereti, zviri nani kuti zvikwereti zvako zvikwereti - 15 muzana yekwereti yako chikoro inobva pachikwereti chaunotakura. Kusiya nhoroondo yako yekare yakazaruka kunobatsira kuwedzera nguva yako yechikwereti. Kuvhara kambani hakuiti kuibvisa kubva kumushumo wako wechikwereti pakarepo. Asi, mushure memazana emakore, chikwereti chekwereti chichapedzisira chichikwegura kare, mavhareji akavharwa kubva mushumo wekwereti yako.
Unogona Kuzviita Pasina Kadhi Remari?
Yeuka kuti chikwereti chako chekwereti chakakonzerwa nekunyatsoshandisa kwako chikwereti chako, saka chikwereti chekuvaka chinoda kubhadhara mari mune imwe nzira. Marikiti yemakadhi inowanzova nyore kuwana, kunyanya kana iwe uchangotangira, asi dzimwe nzira dziripo.
Iwe unogona kuvaka chikwereti chakanaka nekukwereta chikwereti uye kuchiripazve panguva. Inogona kuva chikwereti, chikwereti chemotokari, chikwereti chomudzidzi, kana chikwereti chemunhu. Kazhinji, zvikwereti zvose zvakakweretwa kubva kubhangi guru kana chikwereti chekoni zvichakubatsira iwe kuvaka chikwereti chako.
Payday zvikwereti uye chikwereti chikwereti hazvibvumirwi kunzvimbo dzekwereti uye hazvikubatsiri kuvaka kadhi. Iwe unofanirwa kudzivisa marudzi aya ezvikwereti chero zvakadaro nekuti inodhura uye inoparadza.
Inguva Yakatora Rini?
Hapana nzira yekufanotaura kuti inguva yakareba sei ichakutora iwe kuvaka chikwata chekwereti yakanaka. Paunotanga kubuda, unofanira kuve nekambani yako yokutanga yakazaruka uye yakashanda kwemwedzi mitanhatu isati yatora chikwereti chako chikwereti chingaverengwa. Mushure meizvozvo, inongova nyaya yekuwedzera mwedzi yekubhadhara kwakanaka kune mvumo yako yechikwereti.
Unoziva Sei Kana Uri Kuita Basa Rakanaka?
Kunyange zvazvo mushumo wenyu wechikwereti unobata zvose zvese nezvekwereti yako yekwereti, chikwereti chako chikoro ndiyo nzira yakanakisisa yekuyera kufambira mberi kwako pakuvaka chikwereti chako. Chikwereti chenyu chikamu chidimbu chechiverengero chemashoko ari mushumo wekwereti yako pane imwe nguva panguva. Ndiyo nhamba iyo vanokwereta nevakweretesa vanoshandisa kusarudza kana vachibvumira zvikumbiro zvenyu uye kuti chidimbu chekufarira chinokubhadharai.
Kana uchinge wave nekwereti yekwereti inoshanda kwemwedzi mitanhatu, iwe uchava nechikwereti chekwereti. Iwe unogona kutarisa chikwereti chako chikwereti pane zvekuda pane CreditKarma.com kana CreditSesame.com. Iwe unogona zvakare kutenga FICO yako chikamu kubva pa myFICO.com. Iko FICO chikamu ndicho chikoro chekwereti chinowanzoshandiswa nevakweretesi.
Iwe unogona kutarisa chikwereti chako chikoro nguva dzose kuti uone kuti chinoshanduka sei nguva ichipfuura uye kubhadhara nguva yakakodzera kuwedzerwa kune chikwereti chenhoroondo yako.
Zvikanganiso Zvikuru Zvokudzivisa
Zviri nyore kwazvo kuvaka chikwata chakanaka chechikwereti pane kugadzirisa chikwereti chako kana chaparadzwa. Sezvauri kushanda kuti uvandudze chikwereti chako, hezvino zvimwe zvinhu zvaunofanira kudzivisa.
Kubhadhara Kare
Kana imwe nguva ruzivo rwakashata, kufanana nekubhadhara kwekwereti kana kukwereta chikwereti, kune purogiramu yako yekwereti, ichagara kwemakore manomwe. Iwe unotofanira kushanda zvakaoma kukunda kukanganisa kwakaitwa kuchikwereti chako. Bhadhara zvikwereti zvako pane nguva kuti uchengetedze nhoroondo dzisina kunaka kubva pamushumo wekwereti yako.
Kutendera Kadhi Yenyu Yokubhadhara Iende Usina Kushandiswa
Iwe unofanirwa kuva neawa imwechete iyo inoshandiswa kwemwedzi mitanhatu yapfuura kuti uwane chikwereti chekwereti. Kana iwe ukakundikana kushandisa kadhi rako rechikwereti, kwete chete richakanganisa chikwereti chako, chikwereti chako chekwereti chikwereti chinogona kubvisa kero yako . Shandisa kadhi rako rechikwereti kamwe chete kamwe chete mwedzi mishomanana kuitira kuti rive rakasununguka uye rinoshanda.
Kukwereta Zvakawanda Kupfuura Iwe Unogona Kuchinja
Kuva nechikwereti chakawanda kunogona kukuvadza chikwereti chako, kunyanya kubva 30 muzana yemari yako chikwereti inobva pane chikwereti chaunotakura. Imwe dambudziko nekukwereta kupfuura iwe unogona kuwana ndeyokuti inogona kutungamirira kune zvinetso zvakakomba zvakadai sekuvhara, kudzorera, kana kunyange kubhadhara.
Kwete Kuchengeta Chikwereti Chako
Nzira yakanakisisa yekutora chikwereti chako chikwereti ndeyekuti uongorore chikwereti chako chekwereti uye udzoke nguva nenguva. Kuongorora chikoro chako chekwereti kunobatsira kuti uzive kuti unomirirei, asi hazvikupi mufananidzo wakazara. Iwe unofanirwawo kutarisa chikwereti chako chekwereti kuti uone kuti ruzivo rwacho rwakarurama - chero zvikanganiso zvingakanganisa chikwereti chako chekwereti. Kana iwe ukawana zvikanganiso pamushumo wekwereti yako, unogona kuvapikisa nechechikwereti kuti zvibvise.