Zvichienderana nezvinoitika sei, kubhadhara chikwereti ichocho kunogona kubatsira kana kukuvadza chikoro chako chikoro. Zvechokwadi, chinhu chakaipisisa chingaitika ndechekurumidza (kana kushaiwa) kubhadhara chikwereti chawakabatanidzwa.
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Paunobvumirana, chikwereti ichocho chinofanira kuonekwa mumitemo yako yechikwereti . Pashure pezvose, iwe uri 100% ane mhosva yekubhadhara chikwereti - semunhu waunobatsira-kunyange kana iwe usingadi kuita chero mari. Chikwereti chinyorwa chinobatsira vanokweretesa kunzwisisa kuti iwe unogona sei kubhadhara chikwereti, uye kune mukana chaiwo wekuti iwe uchazobhadhara chikwereti chero chipi zvacho iwe waunyoresa (anenge akwereta angave ane mhosva, asi zvinhu zvinoitika - kurasikirwa nebasa, njodzi dzinongoitika dzoga, uye ngozi dzemotokari dzinogona kutora kukwereta kukwanisa kubhadhara).
Izvi zvinogona kukanganisa chikwereti zvingaita kuti zvive zvakaoma kuti iwe ukwereke.
Chikoro chikoro chekuongorora mitemo yakawanda, uye zvikwata zvako zvichataridzika kana iwe ukati usaina. Semuenzaniso, Chikamu Chikwereti Chikwereti muFICO chikwereti chekwereti - icho chinoumba makumi matatu kubva muzana chepikiso chako - chinotarisa:
- Iwe unorema zvakadini
- Mari yako yakawanda sei yauri kushandisa ikozvino (yakaderera zviri nani)
- Ndedzipi mabhadharenda maune zvikwereti (zvikwereti zvikwereti zvekwereti zvinogona kutarisa zvakaipa)
- Ko chikwereti chechikwereti chechikwereti chichiri chikwereti (chikwata chitsva chezvikwereti chichave chiine zviyero zvakakwirira)
Kushandura-shona kuchachinja zvose zvezvinhu izvi-kwete kwete nenzira yakanaka. Kana iwe uine chikwereti chakasimba (somuenzaniso, une chikamu cheFICO pamusoro pe800 uye iwe wakanga uine chikwereti chakanaka kwemakore), zvingave zvisingakoshi.
Asi kana iwe uine "uonda" chikwereti kana usati wambotora chikwereti iwe unoda kuchenjerera. Izvozvo zvakati, kubatikana kwechikwereti kunogona kukubatsira kuvaka chikwereti chako - ona pasi apa.
Hazvikwanisi kukwereta mushure mekunge masayina, asi iwe unoderedza kukwereta kwako. Vatengesi vanoongorora kuti mungave muripo sei kubhadhara kubva pane zvimwe zvinhu pane kuwedzera kune chikwereti chenhamba. Semuenzaniso, vanotarisa kuti mari yako yakawanda sei pamwedzi inowanika kubhadhara zvikwereti zvitsva ( chikwereti chako chekuwana mari ). Chikwereti chawakabatanidzwa-chinyorera chichaderedza maonero ekukweretesa kwekuti iwe unogona kutenga zvakadini.
Mashoko Akanaka
Pachigadziko chakajeka, kubatirana kwekwereti kunogona kukubatsira kuti uwedzere chikwereti chako. Izvi zvinonyanya kuitika kana iwe usati wamboshandisa chikwereti munguva yakapfuura kana une zvinhu zvishoma zvisina kunaka mukwereti yako yekwereti.
Kana chikwereti chibhadharwa panguva, chikwereti chako chinowedzera. Kubatana ne (uye kune chikwereti) chikwereti icho chinoribhadharwa kubudirira chinogona kubatsira chete. Zvisinei, kana pane imwe nguva yekubhadhara-kana iwe uye mumwe wacho akakwereta (s) asina kukweretesa pachikwereti - iwe uchabhadhara mutengo sekuti iwe wakangotarisirwa chete nemutero.
Imwe nzira iyo kubatirana kwekubatsira kunokubatsira kuvaka chikwereti chiri muCredit Mix chikamu cheFICO chikwereti chako chikwereti.
Kunyange zvazvo chikamu ichi chete chinoumba 10% yehuwandu hwenyu, zvishoma zvishoma zvinobatsira. Chikwereti Chine chikamu chinotarisa kuti ndeapi marudziro emari yawakashandisa. Kana iwe uchingokwereta nezvikwereti zvemakadhi (kana se-sign-credit for credit card accounts), iwe haugoni kuwana huwandu hwekuvandudza. Asi kana iwe uchibatana nemamwe chikwereti chekwereti semari yezvikwereti nemari yemari, iwe uchavandudza kusanganiswa kweakaunti mumakero ako emari - uye ichi chinhu chakanaka.
Chinhu Chinokosha Kupfuura Yose
Pasinei nokuti iwe unofunga nezvekudzivisa kukuvara kwezvikoro zvako kana kuwedzera chikwereti chako, chinhu chakakosha ndechokuti zvipo zvose zvinowanikwa panguva. Kana iwe uri mubati wemubatanidzwa, ichi ndicho bhizimisi rako rakawanda (uye dambudziko rako kana risingaitiki). Kubhadhara kwemazuva mashoma kuchakuvadza zvakanaka chikwereti uye kunonyanya kunonoka chero kubudirira kwauri kuita nekwakwa kechivakwa.