Saka pano ndizvo zvaunogona kuita.
Tsananguro inotevera, asi matanho ekutanga ndeyekuita sheyo yakasimba yezvemari kusanganisira mari yakagadzikana uye yakanaka yekuongorora nhoroondo yemabhuku, dzidzisai mwana wenyu kuti chikwereti chinoshanda sei, uye zvino vanovabatsira kuwana mavoko-ruzivo nekadhi rechikwereti ravo pachavo.
Mwana Wako Asati Awana Chikwereti Chakwereta
Ita kuti mwana wako awane basa . Mutemo unoda chikwereti chekwereti kubhadhara kuti uone mari yevadzidzi vari pasi pemakore 21 . Uyezve, mwana wako anoda nguva yakasimba, yakavimbika yekuwana mari yekubhadhara chikwereti chekadhi rechikwereti. Chipo hachiverengi. Pasina pfuma yavo, mwana wenyu angatarisira kuti iwe ubhadhe chikwereti chekadhi rechikwereti mwedzi wega wega, kunyanya kana wakagara uchibhadhara zvimwe zvose.
Batsira mwana wako kuti atse mari yekuchengetedza kana kutarisa kambani . Kugadzira nhoroondo yakanaka yebhangi kunogona kubatsira mwana wako kuvaka shanho rakasimba rezvemari, iro ibwe rinokurumidza kuvaka chikwata chakanaka chekwereti. Mwana wako anofanira kunge akajaira kuisa nguva dzose mu akaunti yavo (s).
Kana mwana wenyu ari kuyaruka ane chekuita chekuongorora, vabatsire kudzidza kuti vangashandisa sei nekuchenjera uye vadzivise kudarika kana kubvisa debit kadi mhosva.
Iva nechokwadi chokuti mwana wako akagadzirira kadhi rechikwereti . Ave ari kutarisira mari yake zvakanaka here? Mwana wenyu anogadzirisa nguva uye anosangana nedzimwe nguva? Anonyatsogadzirisa sei kero yake yekuongorora?
Anofanirwa kukukumbira kuti uwane mari yekudzivisa overdrafts here? Kana mwana wako ane zvimwe zvikwereti, ndeye zvikwereti zvakabhadharwa nenguva?
Batsira mwana wako kunzwisisa zvikwereti zvekwereti uye kuti chikwereti chinoshanda sei ; vangave vasati vaziva. Iva nechokwadi chekujekesa mafungiro ose pamusoro pekuti makadhi ekukwereta anobata sei uye kuti chikwereti chakanaka chakavakwa sei. Kunyanya iva nechokwadi chekuti mwana wako anonzwisisa kuti chikwereti chekadhi rechikwereti chinofanira kubhadharwa uye nekukurumidza, zviri nani.
Ndeapi Makadhi Okubhadhara Anowanikwa Kune Mwana Wako?
Zvakanaka, mwana wako anofanira kuvaka chikwata muzita ravo oga, achishandisa zvinyorwa zvisingadi kuti uise zita rako uye chikwereti pamutsara. Icho chinonyangadza sezvo vazhinji vane kadhi rechikwereti vabhadhara vanoda vashandi kuti vave nekodzero yekwereti. Mwana wako anogona kutanga nekukumbira chikwereti kubhangi kana kubhadhara chikwereti uko pave vaine kero yekuongorora. Mune munhu ungave ari nani.
Retail Card
Imwe kadhi rechikwereti yekutengesa ndeimwe imwe chikwereti chekwereti yemukomana iyo mwana wako anogona kuongorora. Aya makadhi ane chinangwa akajeka anozivikanwa nekubvumira vashandi vasina zvishoma kana pasina chikwereti chenhoroondo. Chikwereti miganhu inowanzoperera, yakapoteredza $ 300 kana $ 500. Zvisinei, makadhi emakadhi ezvitengesi ane zvikwereti zvakakwirira. Kana mwana wako asingabhadhari chikamu chakazara mwedzi wega wega, ivo vachabhadhara mari yakawanda yemari.
Uyezve, kadhi rechikwereti rekutengesa padare raunofarira mwana wako rinogona kuvamanikidza kuti vaende kunotengesa zvinhu.
Secured Credit Card
Rimwe kadhi rechikwereti rakachengetedzwa nderimwe nzira. Zvakafanana nekadhi kadhi rechikwereti, kunze kwekuti zvinoda kuchengetedzwa kwekuchengetedzwa pamusana pekwereti yechikwereti. Vamwe vakachengetwa makadhi ekwereti vanobvumira zvishoma zvidhi ye $ 200. Iwe unogona kubatsira mwana wako kuwana kadhi rechikwereti rakachengetedzwa nokufananidza kuchengetedzwa kwavo kuchengetedzwa.
Iwe unogona kukwidza chikwereti chekwereti chemwana wako nekumuwedzera iye somunhu ane kodzero pane imwe yemakadhi ako kadhi rechikwereti, kana kunyange iyo nhoroondo itsva iyo iwe unotanga kumwana wako wechidiki. Mushandisi ane kodzero anowana zvikomborero zvekushandisa kadhi rechikwereti uye kunyange ane chikwereti chekwereti chakabatanidzwa pamushumo wavo wechikwereti. Asi, mushandisi ane kodzero haatongi mutoro wekwereti.
Nokuchengeta mwana wako semushandisi akakodzera, panzvimbo pekuchengetwa kwekambani yebhuku, iwe uchiri nekutonga kwekambani. Kana mwana wako achiva asingatarisi uye anodarika, iwe unogona kubvisa mvumo yevashandi vakagadzwa uye uvhare account.
Kuti uchengetedze zvinhu zviri nyore, rega mwana wako ave oga wekushandisa kambani uye ave naye, kana kuti kuripa mari yacho mwedzi mumwe nomumwe, zvakakodzera mazuva mashomanana zuva risati rasvika. Gara pasi pamwe chete uye ita izvi kumwedzi mishoma yapfuura, uye rega mwana wako aite izvozvo oga. Isa mutemo wekuti mutemo unofanirwa kubhadharwa mazuva maviri zuva risati rasvika kana kuti iwe uchava nekambani yakavharwa.
Joint Credit Card
Kuwana kadhi rechikwereti pamwe chete nemwana wako kune ngozi nekuti mutoro wakasiyana. Nekodhi yekodhi yemakadhi, mwana wako anowana kutonga kwakanyanya nechigadzirwa chavasingazivi uye zvakanyanya kukosha, chigadzirwa chinogona kuchinja chikwereti chako. Semuenzaniso, kana iwe uchiedza kuvhara account, kureva, nokuti mwana wako ari kushandisa iko kusina hanya, mwana wako anogona kukwanisa kuzarura kumashure kumashure kwako.
Kamwe kana mwana wako ane kadhi rechikwereti, vadzidzise kuti vangashandisa sei kuvakira chikwereti.
Hezvino zvinhu zvinokosha mwana wako anofanira kunzwisisa kuti awane yakanaka chikoro chikwata:
Kadhi rechikwereti chiitiko chitsva. Iva nechokwadi chokuti mwana wako anoziva zvaanotarisira . Tsanangura kuti kutengesa kadhi rechikwereti kunoshanda sei .
Mwedzi woga woga mwana wako achawana chirevo chekubhadhara . Iwe unogona kufamba navo kuburikidza naro, kutsanangura zvikamu zvakasiyana. Chinonyanya kukosha, nyora musi wekubhadhara uye ugoisa pane imwe kadhigiramu nemamwe mazuva anokosha uye nheyo.
Chikwereti chavo chekwereti chekwereti chichapa mbiri yekadhi yemakadhi echikwereti kumabhadharo emarikiti mwedzi woga woga. Iyi kuburitsa chikwereti ndeyekuti chikwereti chekwereti chakavakwa sei. Makambani ekubhadhara makambani anoshandisa mashoko pamusoro pemarikiti yemarikiti kuti awane chikwereti chekwereti. Kushandisa kadhi rechikwereti nzira yakarurama yakakosha pakuvaka chikwereti chenhoroondo yechikwereti uye, saka, chikwereti chekwereti yakanaka.
Mari yekubhadhara ndiyo inonyanya kukosha chikwereti chikonzero. Izvozvo zvinoreva kubhadhara nenguva nenguva mwedzi pasinei nokuti chii. Zviri nyore kubhadhara chikamu panguva yaunenge uchitenga zvishomanana kune zvaunogona kutenga. Saka usambobhadhara zvinopfuura iwe unogona kubhadhara.
Ita kuti mwana wako azive kuti iwe hausi kuzovashandisa mari imwe neimwe mwedzi mumwe nomumwe kana vachienda pane zvavanotenga. Kana mwana wako achifunga kuti vanogona kuvimba newe kuti uvashandise kunze, ivo vashoma kutora mutoro wekadhi rechikwereti.
Nhamba yemari chikamu chechipiri-chinonyanya kukosha chikwereti chikamu. Dzidzisai mwana wenyu chete kuti ashandise chikamu chemukwereti wavo wechikwereti. Thirty-percent and under is best. Iva nechokwadi chokuti vanoziva kuverenga 30% yemukwereti wavo wechikwereti: Chikwereti chikwereti chinowanikwa ne3, semuenzaniso, $ 500 X .30.
Kushandisa zvikwereti zvakawanda zvekwereti munguva shomanana zvinokuvadza kune chikwereti chikoro. Chikwereti chekwereti uye mvumo yezvikwereti inoratidzira pamakero edu emarikiti kwemwedzi makumi maviri nemasere uye inokanganisa chikoro chechikwereti che12