Overdraft kuchengetedza kunoita kuti zvikwanise kupedza zvakawanda kupfuura iwe iye zvino zvaunenge uchitarisa maakaunti yako, izvo zvinogona kubatsira munjodzi kana kana nguva dzichigadzikana kwenguva duku, mune zvemari.
Mabhengi emakosheni aishandiswa kuwedzera ichi chinhu kune zvose maakaona, asi nhasi uno unofanira kusarudza-mukati, kana kukumbira, kushandisa sangano. Iwe unogona kuwana kuti haudi kutora zvekuchengetedzwa kwepamusoro nekuti inogona kuve yakadhura uye dzimwe nguva vanhu vari nani kunze kwayo.
Muchenjeri weOrdraft Protection
Kana iwe uine kudzivirirwa kwerejikiti ku-akhawunti yako uye mari yako inofamba yakaipa, bhangi ichavhara zvimwe zvikwereti kwauri. Iti iwe unoda kushandisa $ 100 nebhadhiro yako yemari asi iwe hauna $ 100 muongororo yako yekuongorora, kana kuti zvimwe une mari munyaya yako asi haisati yavapo yekushandisa .
Bhengi inogona kuramba ichibvuma kubhadhara, iyo inokubvumira kuti upedze kutenga kwako, ndokubva akuzivisa iwe kuti vanotarisira iwe kuisa mari pakarepo kubhadhara $ 100.
Iwe uchawana mabhangi nzvimbo yakasiyana-siyana paodhora yakawanda iyo chirongwa chavo chekudzivirira zvekare chinotakura.
Uyezve, iwe unogona kuva neropafadzo yakadzokidzwa kana iwe kazhinji uchinyorera cheki muhuwandu hwehutori hwako huripo.
Pros uye Cons
Chinonyanya kukosha, zvinodhura mari kuti ive nemari yakawanda. Zvichida chikonzero chawakanga uine kuti ndechekuti hauna mari yakakwana, uye iye zvino ane mari yepamusoro, iwe unenge uine zvishoma.
Iwe unogona kuona kuti kuchengetedzwa kwepasitoriki hakukubatsiri kwenguva refu.
Kune vamwe, ruzivo rwakanyanya rwekuchengetedzwa kwepasitare ndeyekuti bato rinogamuchira cheki rako harisi kuziva kuti wakanga uri pfupi pamari apo wakavapa cheki. Izvi zvinokubatsira kuti urege kunyadziswa, kunyanya kana iwe wakanyora cheki kune shamwari kana bhizimisi.
Overdraft kudzivirirwa kunobatsirawo kudzivisa zvikwereti kana mari yekupedzisira kana iwe wakanyora cheki kuti ubhadhara mutero wako wemotokari, kadhi rechikwereti kana chimwe chikwereti musati wasvika musi wacho.
Sezvimwe rubatsiro, iwe unogona kudzivisa bounced check check kubva kune vatengesi, vachifunga kuti iwe unobhadhara ne check. Kana iwe usingakwanisi kuchengetedza overdraft, iwe unofanirwa kubhadhara mari yausingaiti yakakwana (NSF) kubhangi rako uye mari yezvekudzorera yakadzorerwa kune mutengesi. Pakupedzisira, unogona kuguma nemishumo isina kunaka muFaxSystems yako faira.
Iko Kunokonzerwa neWorlddraft Protection
Mabhandi haawanzopi kupa rusununguko rusununguko rusununguko rusununguko. Vanobhadhara mari pamwe chete kukuchengetedza kuti usashandisa zvisina kunaka basa racho, uye nokuti inogadzira nzvimbo yemari yebhangi. Iva nechokwadi chekuti unonzwisisa zvingaita zvinodhura usati wawedzera huwandu hwekuchengetedza huwandu kune akaunti yako. Mhosva yacho inowanzove yakangofanana nemari yeBhange isiri Yakakwana.
Zvadaro, unogona kutora mari yekufarira. Zvichienderana neurongwa hwekudzivirira huwandu hwehuwandu hwekubhadhara mari yako, chikwereti chako chekare chinogona kuonekwa se "chikwereti." Kana zvakadaro, bhangi inokwereta chido kusvikira iwe uchibhadhara. Iyi sarudzo, inozivikanwa semutengo wekubhadhara mari yechikwereti , kazhinji inodhura zvishoma kudarika kubhadhara mari yepamusoro kune imwe neimwe yebhadharo iyo inotora akaunti yako.
Pakupedzisira, kana ukashandisa kudzivirira overdraft kakawanda, zvinogona kukubvumira kupinda muitiro wakaipa unopedzisira uine mari yakawanda pamusoro pehupenyu hwako. Zvichienderana nehodhi yekuchengetedzwa kunogona kuva chiratidzo chokuti iwe unogona kubatsirwa nekudzidza kururamisa zviri nani mari yako.
Kunyange zvazvo bounced checks haisi kuratidzira purogiramu yako yechikwereti pakarepo, inogona kukanganisa kuti mabhanki maduku uye zvikwereti zvekwereti zvinoongorora sei creditworthiness yako. Vanogonawo kutengesa mari yakawanda, kutungamirira kumagariro ehurumende uye emhosva , uye pakupedzisira zvinokuvadza chikwereti chako.
Kuderedza mari
Kana ukakuwana uchiita zvakanakisisa nepurogiramu yekudzivirira, tenga mabhandi akasiyana kuti udzikise mari yako. Mushure mezvose, zviri nani kuchengeta mari yakawanda sezvinobvira kune imwe yako mari, pane kuva nayo yakashandiswa kuvhara bounced-check check. Pasi apa uchawana mimwe mibvunzo yekubvunza mabhizinesi, izvo zvichakubatsira kuti uwane chirongwa chinopfuura chekuchengetedza mari yepamusoro:
Pane kune chikwata chekuda mari kana mari yepamusoro yepamusoro pemari yakawanda here? Zvichienderana nehuwandu hwehuwandu nehuwandu hwehuwandu hwemhirizhonga yaunoona, imwe nzira inogona kutenga mari shoma pane imwe.
Unogona here kubatanidza kero yako yekuongorora kune imwe nzvimbo yemari inoshandiswa musati wanyora zvekare? Kana iwe ukakwanisa kuisa kadhi rechikwereti, kana zviri nani zvakadaro nhoroondo yekuchengetedza kukwevera mari kubva, unogona kudzivisa mari yepamusoro.
Ungada here kubhadhara chikwereti chechikwereti kuti chive chakakunakira iwe? Kumbira mubhengi wako kuti ndezvipi zvavanokwanisa kuwana. Tsvaga kuti nzira imwe neimwe inoshanda sei nemigumisiro yesarudzo imwe neimwe.
Sezvaungangodaro wakafungidzira, nzira yakanakisisa yekuderedza mari yakawanda yekusachengetedza mari ndeyokudzivirira zvekare. Kunze kwekuita zvimwe zvinyorwa zvekubhadhara zvemari uchishandisa cheki rekuregeresa, unogonawo kuchengeta mabheji pamabhengi emabhangi ako ebhangi uchishandisa mabhizinesi epakombiyuta, kana mabhizinesi ekufambisa pfoni yako, kuti uone kuti mari yakadini iri kuongorora kero yako.
Kana iwe uchiziva kuti iwe uchava mune mari-yakanganisa munguva iri mberi, zvingabatsira kugadzirisa mamiriro acho ezvinhu. Kana imwe bhajeti yako ichiti iwe uchange usina mari, tsvaga nzira dzekutambidza kubhadhara nekuda kwemasikati mazuva mashoma ekuwedzera.
Iwe unogona kushevedza mutambo waunokweretesa cheki, sekambani yekadhi yemakadhi, chikwereti chemudzidzi wekambani kana kambani yehurumende, taurai ikozvino, kushandiswa kwemari kwenguva pfupi, uye mubvunze kana vakakwanisa kumirira mazuva mashomanana kubhadhara kwako. Zvakakoshawo kubvunza kana vakakwanisa kubhadhara mari yekurumidza kubva iwe wakadana mberi kuti uvazive.
Iwe unogona kuderedza zvinetso kana uchiramba uchitamba mabhesi paanotarisa mabhadharo ekambani yako, uye inowanikwa mune chero tsvakurudzo wawakatove wakanyora asi izvo zvisati zvava kubvisa bhangi yako yebhangi.
Are Overdraft Fees Is illegal?
Muna Gumiguru ra2010, mutemo wezvematongerwo enyika wakashandura mabhengi uye zvikwereti zvekwereti zvinobvumirwa kubhadhara mari yezvebhadhiro. Zvakare, mabhanisi aishandiswa kuwedzera kuwedzera overdraft kuchengetedzwa kuakaunti yako, uye kazhinji pakanga pasina nzira yekusarudza-kubva kune "kuchengetedzwa."
Somugumisiro, vatengi vakabhadhara mabhiriyoni mubhadharo kumabhangi nokuda kwezvikanganiso zviri nyore muchengeti yavo yekuongorora. Muenzaniso wakawanzana waiva $ 38 latte- $ 3 nokuda kwekofi uye $ 35 yemari yekubhadhara mari.
Mabhengi aifanira kuvharidza mari yepamusoro yekutora uye anopa chete chinhu ichocho kune vatengi vanoenda-mukati, asi vatengi vachiri kubhadhara mari yepamusoro yepamusoro pane dzimwe nguva pasina kupinda. Mamiriro maviri anogona kukonzera kutarisira kusingatarisirwi kudhura:
Bhengi iri kuputsa mutemo nekubhadhara vatengi zvisingaiti, izvo zvisingabviri asi zvakaitika zvechokwadi
Iyo mhosva yakanga isiri imwe ye "imwe nguva" mahomwe akavharwa nemutemo wepamusoro-soro
Iwe unogona kukakavara kana kuti kwete mutemo unofanirwa kunge wakanyatsotsanangurwa zvakadzama pamusoro pematareji, asi mutemo wezvino haukudziviriri kubva kune mamwe marudzi ekubhadhara mari yakawanda sekubhadhara kwekubhadhara iyo inotora ibhadharo yako yebhasi pasi pe zero.