Credit Card Charge-Off

Chikonzero Nei Kupihwa-Kunopisa Izvo Zvinotyisa Zvokutenga Kwako

Kana iwe uri kunetseka pamusoro pekubhadhara-gadzirisa, zvichida nokuti wakawana mumwe pane rekwereti yemari yako. Kana, iwe wakagamuchira tsamba inotsanangura kuti iwe wakarambidzwa chikwereti nekuda kwekubhadhara pamushumo wekwereti yako. Zita rokuti "kurasikirwa" rinogona kutsausa. Iwe unogona nyore kufunga kuti wakaburitsa chikwata chechikwereti ichi. Zvinosuruvarisa, handizvo.

Vanhu vazhinji vanofunga zvisiri izvo kana chikwereti chave chapiwa mhosva-icho chave chakanatswa nemunhu ane chikwereti.

Haisi chokwadi. Iwe uchiri kukwanisa kubhadhara chikamu. Zvisinei, haungakwanisi kushandisa kadhi rako rechikwereti kutenga zvigadzirwa, uye iwe hauzovi nemukana wokuita mari shoma pamwedzi pamari yako. Nenguva iyo account yako ichinyorwa-iyo, zvinogona kunge yakavharwa kwemwedzi inoverengeka.

Mafambiro Api-Maitiro Anoitika

Chibvumirano chako chekadhi rechikwereti chinokuda kuti uite chikwereti chiduku nezuva rakakodzera mwedzi mumwe nomumwe. Kana iwe wakanonoka, unogona kutumira mubhadharo nguva ipi neipi pakati pezuva rakakodzera uye mazuva makumi maviri nemashanu apfuura zuva rakatarwa uye usadzivisa kuva nechiziviso chekubhadhara chinyorwa pachikwereti chako chekwereti (iwe uchiri kukwaniswa kubhadhara nguva refu nemakadhi emakadhi) . Zvisinei, kana usina kutora chikwereti chako panguva inouya zuva rakakodzera rinofanira kuuya, kubhadhara kwako kwemazuva makumi matatu kwemazuva, uye chiziviso chichaiswa pamushumo wekwereti yako. Zuva rega rega mazuva makumi matatu nemakumi matatu ezvinyorwa zvitsva zvinowanikwa pamushumo wekwereti. Maziso ekupedzisira akafambira mberi mumazuva makumi matatu ekuwedzera: mazuva makumi matatu ekupedzisira, mazuva makumi matanhatu ekupedzisira, mazuva makumi mapfumbamwe ekupedzisira, nezvimwewo.

kusvikira iwe unosvika mazuva makumi mapfumbamwe.

Mushure memazuva 180 kana mwedzi mitanhatu, yekusabhadhara, nhoroondo yako ichaderedzwa. Aunti yako inogona kutongororwa kana iwe uri kutumira zvikwereti, asi zvikwereti zvacho zvaive zvisingasviki zvishoma. Iwe unofanirwa kuunza compte yako ikozvino nekubhadhara chikwereti chakakwana chakanaka kana iwe uchida kudzivisa kuvharwa.

Sei Kubhadhara Kadhi Kadhi Kubhadharwa?

Makambani, kusanganisira chikwereti nevakweretesi, vane purogiramu uye kurasika gore negore. Vanoita mari kubva kune pfuma uye vanorasikirwa nemari kubva pakurasikirwa. Kana munhu akatora chikwereti-achibvisa akaunti yako, iri kuzivisa chikwereti chako sekurasikirwa kwekambani - nokuti iwe hauna kubhadhara mukanguva.

Kunyange zvazvo akakweretesa akabvuma chikwereti chako sekurasikirwa mune zvinyorwa zvemari, iwe hausi kurega kusununguka. Mukwereti wako achange awedzera mukana wekutsvaga (mubhadharo-kure) kumushandi wako wekwereti uye unoramba uchiedza kuunganidza pane chikwereti. Chikwereti chekwereti chikwereti chinogona kuunganidza kuburikidza nedhipatimendi rayo rekuunganidza kana kutumira iyo kero kune wechitatu chikwereti chikwereti.

Nzira yakatarwa yakatarwa inobvumirwa nemutemo (iwe unogona kutongwa nokuda kwayo) kwemakore anoverengeka zvichienderana nemamiriro ako emutemo ekukanganiswa pane chikwereti .

Mhosva-iyo icharamba iri pamushandi wako wechikwereti kwemakore manomwe kubvira pazuva raakayidzwa-kupiwa. Kubhadhara chikwereti chekubhadhara zvakakwana muzvizere hachizobvisa kubva kumbiko wekwereti yako. Pane kudaro, ichagadziriswa nehutano hwe "Kubhadhara-Kubhadharwa Kubhadhara" kana iwe wakabhadharwa zvakakwana kana "Kutora-Dhesi Yakarongedzwa" kana wakagadzirisa chikwereti uye sarudzo icharatidza $ 0 muyero. Zvimwe zviri nani kupfuura "chikwidziro" chinzvimbo chakakosha asi ichiri chisingadiwi.

Nzira imwe chete yekubvisa mhaka-yega kubva kumushumo wekwereti yako ndeyekumirira nguva yemakore manomwe kana kutaurirana nemunhu ane chikwereti kuti aibvise mushure mekunge iwe uchibhadhara kari yakazara. Iko kukurukurirana kwakaoma kuita, asi vamwe vane chikwereti vanobvumirana kana iwe ukaita nyaya yako nemunhu akakodzera mukati mekambani.

Kudzorera shure Mushure mokutengesa-Kuenda

Nekunge uine mvumo-yepa purogiramu yako yekwereti yakashata nokuda kwekwereti yako chikoro , zvose hazvina kurasikirwa. Iwe unogona kuvakazve chikwereti chako mushure mokunge waita mvumo yekuregedza nekubvisa mararamiro ekuderedza, kuita zvikwereti panguva yakatarwa kune dzimwe nhoroondo dzako dzose, nekuzvipa nguva. Sezvo kurasikirwa kwekukura kwacho kuchikwira, hakuzovi nemigumisiro shoma pachikwereti chako chikoro, kunyanya kana chakakanganiswa nemamwe mashoko akanaka.